{"id":5992,"date":"2022-11-11T23:00:00","date_gmt":"2022-11-11T23:00:00","guid":{"rendered":"https:\/\/senhorcartao.com\/?p=5992"},"modified":"2022-11-10T19:55:44","modified_gmt":"2022-11-10T19:55:44","slug":"pedir-credito-habitacao","status":"publish","type":"post","link":"https:\/\/senhorcartao.com\/en\/pedir-credito-habitacao\/","title":{"rendered":"Prepare yourself financially to apply for housing credit! See 7 tips that will help you"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-prepare-se-financeiramente-para-pedir-credito-habitacao-e-aumente-suas-chances-de-fazer-um-bom-negocio\">Prepare yourself financially to apply for housing credit and increase your chances of getting a good deal<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-image size-large\"><img width=\"1024\" height=\"682\" loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-1024x682.jpg\" alt=\"casa ao fundo em meio ao verde da mata \" class=\"w-full object-cover object-center border mx-auto wp-image-5996\" srcset=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-1024x682.jpg 1024w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-300x200.jpg 300w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-768x512.jpg 768w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Find out everything about the subject here. Source: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Buying a property is something serious and requires thought and preparation! Therefore, it is essential that you prepare yourself financially to apply for housing credit before applying for it.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZGxkYC\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorcartao.com\/en\/o-que-e-credito-habitacao\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"What is a housing loan? Find out today how it works, types and conditions\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/o-que-e-um-credito-habitacao-1.jpg\" alt=\"chave na porta de uma casa que foi adquirida com uso de cr\u00e9dito habita\u00e7\u00e3o\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorcartao.com\/en\/o-que-e-credito-habitacao\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"What is a housing loan? Find out today how it works, types and conditions\">\n            What is a housing loan? Find out today how it works, types and conditions        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Thinking about building, renovating or buying a property? So find out what a housing loan is, what its types, purposes are and what you need to do to get one. Read our full article below!\n\n\n        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorcartao.com\/en\/o-que-e-credito-habitacao\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Keep Reading            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorcartao.com\/en\/o-que-e-credito-habitacao\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/o-que-e-um-credito-habitacao-1.jpg\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                What is a housing loan? Find out today how it works\u2026              <\/p>\n              <a href=\"https:\/\/senhorcartao.com\/en\/o-que-e-credito-habitacao\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Keep Reading                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                You will remain on the same website              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>At this point, there are several steps that should have your attention. Also care and details that cannot escape the eye. In fact, all of this is essential for you to do good business. So, follow the tips below!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Tips for preparing and applying for housing credit<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>To guarantee contracting a good deal and the financial capacity to pay the installments of a housing loan, it is important to find out a lot about the subject, as you are doing by reading this text.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, continue and see important tips on how to prepare to apply for housing credit. So, win good deals and finally acquire the property you dreamed of!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-1-valor-de-entrada\">1 \u2013 Entry value<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>If you want to buy a property it is important to keep this in mind from the start. After all, you will need to have savings available to present as a down payment.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>After all, even though there are home loans that offer financing of 100% of the value of the property, this is not the best choice. This is because the value of the installments will be higher, as will the applicable interest. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Also, because this greatly restricts the options you will have for hiring. Therefore, it is important to organize yourself to have the entry fee available. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>The most common (and recommended) is that you have at least 20% of the property&#039;s value. To do this, you can now:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Increase budget control;<\/li><li>Search for sources of extra income;<\/li><li>Cut unnecessary expenses;<\/li><li>Make investments whose future income will be used to present the entry.<\/li><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-2-garanta-que-seu-nome-esta-limpo\">2 \u2013 Make sure your name is clean<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Continuing with the steps to apply for housing credit, it is crucial that your name is clean. In other words, that he is not registered on the Banco de Portugal black list, a document that is updated monthly.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>It lists those who are late in paying their debts and \u201cdirties\u201d the name of the consumer, who is prevented from obtaining new credit agreements. So make sure your name is clean.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>To do this, you can do a quick online search on the Banco de Portugal website. If there is any debt registered, in fact, try to negotiate it as quickly as possible.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Only when your name is clear (after payment of outstanding debts) will you be able to apply for the loan. So, get ready to apply for housing credit!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z2oSa6a\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorcartao.com\/en\/saber-lista-negra-do-banco-de-portugal\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Find out if you are on the Banco de Portugal blacklist and how to get out: step by step!\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/02\/lista-negra-de-devedores-banco-de-portugal-4-1200.png\" alt=\"logotipo Fonte: Banco de Portugal YouTube\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorcartao.com\/en\/saber-lista-negra-do-banco-de-portugal\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Find out if you are on the Banco de Portugal blacklist and how to get out: step by step!\">\n            Find out if you are on the Banco de Portugal blacklist and how to get out: step by step!        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Knowing whether you are on the Banco de Portugal blacklist is essential for everyone who has contracts with financial services. Learn today how to check if you are on the list and how to get off it!\n\n        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorcartao.com\/en\/saber-lista-negra-do-banco-de-portugal\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Keep Reading            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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Therefore, separate the following documentation:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Identification document (or residence permit);<\/li><li>Proof of income for the last 3 to 6 months (for formal or self-employed workers, respectively);<\/li><li>Declaration from the employer (for formal workers);<\/li><li>Bank statements from the last 3 to 6 months (for formal or self-employed workers, respectively);<\/li><li>IRS declaration with proof of payment;<\/li><li>Map of Banco de Portugal&#039;s responsibilities.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>This last document, as well as the blacklist, is available on the Banco de Portugal website. It is important because it provides a summary of consumers\u2019 financial lives.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-4-estude-sobre-financas-e-emprestimos-para-conhecer-os-termos-e-entender-as-propostas-e-contratos\">4 \u2013 Study finance and loans to know the terms and understand the proposals and contracts<\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-image size-large\"><img width=\"1024\" height=\"682\" loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-1-1024x682.jpg\" alt=\"varanda com uma mesa e cadeiras \" class=\"w-full object-cover object-center border mx-auto wp-image-5995\" srcset=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-1-1024x682.jpg 1024w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-1-300x200.jpg 300w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-1-768x512.jpg 768w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-1.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Study hard to be able to apply for housing credit. Source: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Continuing with the essential preparations to apply for housing credit, know that it is a good time to study finance and learn more about the financial world and credits. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>For example, it is important to know the types of fees, how they apply and other details. After all, they are part of a financial commitment that you will make. Therefore, knowing what will impact your finances becomes essential.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Therefore, try to follow news about the financial market and study financial publications available online, okay? Like Mr Card\u2019s posts!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-5-conheca-os-prazos-de-quitacao-de-acordo-com-as-faixas-etarias\">5 \u2013 Know the payment deadlines according to age groups<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>One of the important factors for applying for housing credit refers to payment deadlines. Banco de Portugal stipulates maximum deadlines according to the consumer&#039;s age group. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Up to 30 years of age: 40 years to pay off;<\/li><li>31 to 35 years of age: Up to 37 years of age for payment;<\/li><li>36 years or more: 35 years of discharge.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>And, although all banks follow this regulation, note that these are maximum deadlines. Therefore, they correspond to the ceiling, but the bank may offer less time.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-6-saiba-quais-sao-as-instituicoes-com-as-melhores-condicoes\">6 \u2013 Find out which institutions have the best conditions<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Preparing to apply for housing credit also requires knowledge of where you can apply for it. That is, which banks can help you.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>To do this, try to find out more about banking institutions. See what rules each one practices and the average loan conditions.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Likewise, find out what the institution\u2019s image is in the market and consumers. Also, do credit simulations. With this, you can buy the conditions of each one and know who has the most beneficial rules.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-7-seja-intimo-do-seu-orcamento\">7 \u2013 Be intimate with your budget<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Before applying for housing credit, it is essential that you know your budget. After all, you will take on a debt that will accompany you for years and years.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Therefore, you must be sure that you will be able to pay the installments. Otherwise, you could end up with a bad name, as well as losing your property.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, write down all your expenses. Consider both short-term and long-term. Also, write down fixed and variable expenses.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Likewise, consider what your income is and your expectations for it to increase or decrease. Likewise, be sure to analyze scenarios in which you are left without salary income.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>All of this helps you stay organized. Also, look at solutions, such as waiting to apply for credit, making emergency savings or seeking extra income.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Furthermore, these considerations are relevant as they help in choosing credit interest rates (mixed, variable or fixed).<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Finally, do you want to know more about housing credit? Then access the article below! In it, we explain what the types are, the characteristics of each one and how the rates work. Check out!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z12yY1H\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorcartao.com\/en\/tipos-de-taxa-de-credito-habitacao\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"What are the types of home loan rates? 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With them, you increase your chances of having a successful operation! Check out!<\/p>","protected":false},"author":4,"featured_media":5994,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[3,5],"tags":[10,244,1603],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Prepare-se financeiramente para pedir cr\u00e9dito habita\u00e7\u00e3o! Veja 7 dicas que lhe ajudar\u00e3o - Senhor Cart\u00e3o<\/title>\n<meta name=\"description\" content=\"Quer seu im\u00f3vel pr\u00f3prio? Ent\u00e3o voc\u00ea vai amar as dicas que separamos para ajudar. 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