Today you can find a series of tips on how to choose housing credit without leaving home. In fact, first of all, know that this type of loan is aimed at obtaining a property. Or, for construction or renovation.

For example, you can use it to buy a built property or just the land. Likewise, to build or renovate an existing property.

Furthermore, even those who already have a property in their name can choose a good mortgage loan. For example, to obtain a summer house or for rent.

Want to know how to make a good choice? So continue reading! Below you will find important tips that will make all the difference in the quality of the operation!

There are several banks that offer credit related to the property. However, each of them has its own conditions.

For example, they vary in relation to the amount made available, the applicable interest and the installments available. They also have different rates.

All of this tends to make the choice difficult, because how can you be sure that you are hiring the best option? How to recognize abusive rates and conditions?

To prevent this type of doubt from arising, the best solution is to use the services of credit simulators and intermediaries.

Intermediaries are companies that act as a middle ground between the consumer and the banking institution offering the loan. In this way, they are responsible for:

Below, then, check out 4 options of companies that operate in this way and that help you choose housing credit.

This is one of the main housing credit intermediaries. After all, SI Crédito specializes in loans relating to real estate. There are 4 categories that this company offers. Are they:

Therefore, this is an interesting option because it places the operation in the hands of a company that specializes in real estate credit.

Furthermore, it also stands out for the following advantages:

Another option that also offers online service and helps you choose housing credit is CrediSolution. In fact, the company also provides services for consolidated loans, personal loans and credit cards.

See the advantages:

Another company that mediates loan acquisition and helps you choose the best home loan is Finance Star. Therefore, see benefits:

Finally, the last option for a company that mediates the contracting of credit and can help you choose housing credit is DS Intermediários de Crédito. See benefits:

In addition to having help from a credit intermediary, there are other steps and precautions that can help with a good choice. See what they are!

Firstly, it is essential that you know the value of the property you are interested in. Therefore, do market research, contact real estate agents, etc.

In addition, have documents on hand that reveal the developer's, construction company's or real estate company's proposal for the sale of this property.

In fact, this facilitates the delivery of documents to companies that grant credit (and to intermediaries) and makes the process faster.

Still, this is crucial to know how much you will really need to get from a loan, as the operation focuses on acquiring the property.

If it is renovation or construction, make budgets for the works, considering construction materials, labor, permits, etc.

Another important point is knowing whether you will have the amounts to pay as a down payment. In other words, to reduce part of the value of the property right away.

In this case, consider that part of the property is already paid for, while the bank only needs to grant the remaining amount as a loan.

This reduces the amount needed to purchase (construction or renovate) the property, which can also reduce the number of installments or their value.

With this data in hand, look for credit options. In this case, you can use credit simulators and intermediaries, as listed above.

Compare the proposals of each of them. See what rates and fees apply to each alternative, payment terms and available amounts.

Make a table with the pros and cons of each one and eliminate those that are not as interesting as the others.

Finally, our last tip for choosing a home loan is to analyze your budget. Knowing how much you can spend is essential.

You need to be sure that you can afford the amounts. Furthermore, know that the more committed your budget, the higher your effort rate.

It directly impacts the interest rates that are applicable to your credit. Therefore, reducing it is a way to pay less interest

Finally, if you want to understand more about housing credit, we suggest you read the following text. Click below and check it out!