Loan and Credit’s property financing is one of the most sought after options for property installment in Brazil. Full of possibilities, the alternative allows the purchase of new residential or commercial real estate, in the plant or used, in urbanized or not. With the same type of financing, it is still possible to build or renovate property already on behalf of the consumer.

The financial institution has good funding percentages.

For private workers, Loan and Credit can afford up to 70% of the value of property, while public sector workers can account for 80% of the cost of ownership.

Loan and Credit finances up to 80%


Real estate that can be financed is divided into two types: the Housing Finance System (SFH) and the Real Estate Financing System (SFI).

The difference between the alternatives is in the rates and price estimates of real estate possessions. In SFH, there are properties of up to R $ 950 thousand (in the states of Minas Gerais, Sao Paulo, Rio de Janeiro and the Federal District) and up to R $ 750 thousand in the rest of Brazil. For values ​​higher than these, the properties are financed through the SFI.

Regardless of the category of property, financing enables planning of expenses. This is because the bank allows the commitment of only 30% of income, ensuring the receipt of installments and the financial health of the customer.

Advantages of Cash Financing

Advantages of Cash Financing

In any case, Loan and Credit’s financing is full of advantages. Know them, as well as the steps of joining the option.

Low interest

Loan and Credit has one of the lowest interest rates in the mortgage market. The values ​​are calculated according to the property price and the rent of each client, allowing for lighter pocket charges.

In financial, interest rates are between 9.75% and 11% per year, with installments for up to 35 years. Differentials allow, for example, that the debt paid is not much higher than the real value of the property, as well as the maintenance of monthly income with cheaper installments.

FGTS Usage

Today, the box has the Pro-Quota FGTS financing line suspended, but the option should soon return to the market – after all, this year alone, the alternative was suspended and returned to active twice.

Pro-Quotaholder FGTS is a cheaper line of credit as it uses FGTS resources. To adhere to it, the consumer must have contributed to the Time and Service Guarantee Fund for more than three years.

Possibility interest rates range from 7.85% to 8.85%. The customer may or may not have an active account. For the latter, credit is only granted when the balance of FGTS consists of at least 10% of the total value of the property.

In addition to the Pro-Quotaholder, the consumer can use the values ​​of his FGTS for any SFH financing. The Box allows two choices:

    • use of the amount to amortize or settle the outstanding balance;
  • or payment of up to 80% of the value of installments of up to 12 consecutive months.

Loan and Credit Property Financing: step by step

Loan and Credit Property Financing: step by step

  • Financing Simulation

Consumers interested in financing real estate at Loan and Credit must first simulate their investment. The value of the property is bankable in the financial? Do the planned installments fit the budget? To find out this information, there are two alternatives: agency attendance, or online simulation.

Through the internet, users can enter their forecasts and get estimates of installments, interest and other values ​​of real estate financing. Just enter the site, fill in data on income and type of installment, and check the results.

  • Registration and delivery of documentation

Simulating a loan, as its name suggests, is only an estimate of the plan. To know the real conditions of the financing, the consumer must attend a Loan and Credit branch with documents such as ID, CPF, proof of address and income.

These statements will allow the bank to review credit as well as negotiate better terms for the user.

If funding is joint, the documents of all those responsible must be submitted. The alternative is especially interesting to ensure minimum income requested for credit approval.