Novo financiamento CEF
Autor: EXCLUSIVA MINERAÇÃO E SIDERURGIA | Publicado: 2016-07-25T10:32:00-07:00

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A partir
de hoje, Caixa passa a financiar imóveis de até R$ 3 milhões



25/07/2016 10h26
Brasília















Da
Agência Brasil 

A partir de hoje (25), os
mutuários da Caixa Econômica Federal poderão financiar imóveis de até R$ 3 milhões,
o dobro do limite de financiamento em vigor até agora, de R$ 1,5 milhão.



A mudança foi anunciada na semana
passada pela instituição financeira e afeta somente operações de crédito do
Sistema Financeiro Imobiliário (SFI). Essa modalidade de crédito financia
imóveis mais caros, sem emprestar dinheiro do Fundo de Garantia do Tempo de
Serviço (FGTS).



Além de aumentar o limite de
crédito, a Caixa anunciou que passará a financiar uma parcela maior do valor
dos imóveis por meio do SFI. A cota de financiamento para imóveis usados subiu
de 60% para 70% do valor total. Para a compra de imóvel novo, construção em
terreno próprio, aquisição de terrenos e reforma ou ampliação, a cota passou de
70% para 80%.



Saiba
Mais

Setor imobiliário espera recuperar vendas com mudanças
     no financiamento da Caixa
Caixa vai financiar imóveis de até R$ 3 milhões


Nas operações contratadas com
interveniente quitante, nas quais haverá quitação de financiamento com outra
instituição financeira, a cota de financiamento subirá de 50% para 70%. Até o
início do ano passado, a Caixa financiava 70% dos imóveis adquiridos pelo SFI.
O teto caiu para 40% em maio de 2015 e tinha sido reajustado para 60% em março
deste ano.



As mudanças que entram em vigor
hoje não afetam as operações do Sistema Financeiro da Habitação (SFH), que
financia a compra de imóveis de até R$ 750 mil em São Paulo, no Rio de Janeiro,
em Minas Gerais e no Distrito Federal e de até R$ 650 mil nas demais
localidades do país. O SFH financia imóveis com recursos da poupança e do FGTS.
O SFI financia unidades de maior valor, com recursos de fundos de pensão,
fundos de renda fixa, companhias seguradoras e bancos de investimento.



Setor imobiliário

A mudança nas regras de
financiamento habitacional pela Caixa Econômica Federal, que vai permitir a
compra de imóveis mais caros, poderá reaquecer o setor imobiliário, que vem
sentindo fortemente os impactos da crise financeira nos últimos anos.



Para o presidente da Câmara
Brasileira da Indústria da Construção, José Carlos Martins, apesar de ser
voltada para um mercado mais restrito, a medida é muito bem-vinda para o setor.
"Quando se trabalha com financiamento, acaba-se tendo dinheiro mais barato
e facilitando-se os negócios. E tem-se um conforto maior”, disse Martins.



As mudanças nas regras de
financiamento chegam em “excelente hora”, na avaliação do vice-presidente da
Associação das Empresas do Mercado Imobiliário do Distrito Federal (Ademi-DF),
Eduardo Aroeira. Isso porque, segundo ele, as expectativas e o otimismo das
pessoas têm melhorado. “Vai auxiliar bastante na compra de imóveis para classes
mais elevadas, que vinham sofrendo bastante com a maior dificuldade de
financiamento”, observou.&nbsp;

Edição: Maria
Claudia 
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