{"id":12526,"date":"2025-10-10T17:29:20","date_gmt":"2025-10-10T20:29:20","guid":{"rendered":"https:\/\/fenati.org.br\/?p=12526"},"modified":"2025-10-13T11:24:56","modified_gmt":"2025-10-13T14:24:56","slug":"caixa-oferecer-financiamento-80-do-valor-imoveis","status":"publish","type":"post","link":"https:\/\/homolog.fenati.org.br\/en\/caixa-oferecer-financiamento-80-do-valor-imoveis\/","title":{"rendered":"Caixa volta a oferecer financiamento de at\u00e9 80% do valor dos im\u00f3veis"},"content":{"rendered":"<p><strong>Caixa &#8211;<\/strong> A Caixa Econ\u00f4mica Federal anunciou o retorno do financiamento de at\u00e9 80% do valor de im\u00f3veis residenciais, uma medida que promete impulsionar o setor habitacional. O an\u00fancio foi feito nesta sexta-feira (10) pelo presidente do banco, Carlos Ant\u00f4nio Vieira Fernandes, durante a apresenta\u00e7\u00e3o do novo modelo de cr\u00e9dito imobili\u00e1rio do governo federal.<\/p>\n<p>Desde novembro de 2024, o teto de financiamento estava limitado a 70% do valor dos im\u00f3veis. Segundo Fernandes, a combina\u00e7\u00e3o das novas regras de cr\u00e9dito e das mudan\u00e7as nas normas de saque do <a href=\"https:\/\/pt.wikipedia.org\/wiki\/Fundo_de_Garantia_do_Tempo_de_Servi%C3%A7o\">FGTS<\/a> \u2013 divulgadas no in\u00edcio da semana \u2013 permitiu restabelecer o percentual mais alto de financiamento.<\/p>\n<p><a href=\"https:\/\/fenati.org.br\/supremo-congresso-regulamentar-automacao-trabalho\/\"><strong>LEIA: Supremo d\u00e1 prazo para Congresso regulamentar impactos da automa\u00e7\u00e3o no trabalho<\/strong><\/a><\/p>\n<h4>Regras<\/h4>\n<p>O limite ampliado valer\u00e1 tanto para im\u00f3veis novos quanto usados, desde que o contrato siga o Sistema de Amortiza\u00e7\u00e3o Constante (SAC), modelo em que as parcelas come\u00e7am mais altas e v\u00e3o diminuindo ao longo do tempo.<\/p>\n<p>Na modalidade Price, em que as presta\u00e7\u00f5es permanecem fixas, o percentual m\u00e1ximo de financiamento continuar\u00e1 sendo de 70%, explicou In\u00eas Magalh\u00e3es, vice-presidente de Habita\u00e7\u00e3o da Caixa.<\/p>\n<p>O novo formato de cr\u00e9dito habitacional combina recursos do FGTS e da poupan\u00e7a para facilitar o acesso \u00e0 moradia. Al\u00e9m de elevar o limite de financiamento, o teto para im\u00f3veis subir\u00e1 de R$ 1,5 milh\u00e3o para R$ 2,25 milh\u00f5es, e a taxa de juros m\u00e1xima ser\u00e1 de 12% ao ano.<\/p>\n<p>A proposta busca ampliar o alcance do programa entre fam\u00edlias de classe m\u00e9dia e fomentar a atividade do setor. Segundo o ministro das Cidades, Jader Filho, a expectativa \u00e9 que a Caixa consiga financiar aproximadamente 80 mil novas unidades por ano com o modelo atualizado.<\/p>\n<h4>Recursos da poupan\u00e7a<\/h4>\n<p>Al\u00e9m de aumentar o valor financi\u00e1vel, o governo tamb\u00e9m reformulou as normas de destina\u00e7\u00e3o dos recursos da poupan\u00e7a pelos bancos. Hoje, 65% desses recursos devem ser aplicados em cr\u00e9dito imobili\u00e1rio, 20% s\u00e3o mantidos como dep\u00f3sito compuls\u00f3rio no Banco Central, e 15% ficam livres para outras opera\u00e7\u00f5es.<\/p>\n<p>Com o novo sistema, a meta \u00e9 elevar gradualmente a exig\u00eancia de aplica\u00e7\u00e3o em cr\u00e9dito imobili\u00e1rio at\u00e9 alcan\u00e7ar 100%. A transi\u00e7\u00e3o come\u00e7ar\u00e1 em 2025 e se estender\u00e1 at\u00e9 2027, com um per\u00edodo de adapta\u00e7\u00e3o de at\u00e9 dez anos.<\/p>\n<p>Durante a fase inicial \u2014 at\u00e9 o fim de 2026 \u2014, os bancos que ampliarem suas carteiras de financiamento poder\u00e3o liberar at\u00e9 5 pontos percentuais do dep\u00f3sito compuls\u00f3rio, reduzindo-o de 20% para 15%. A medida deve incentivar o aumento das opera\u00e7\u00f5es habitacionais e garantir mais liquidez ao setor.<\/p>\n<p><em><strong>(Com informa\u00e7\u00f5es de ICL)<\/strong><\/em><br \/>\n<em><strong>(Foto: Reprodu\u00e7\u00e3o\/Freepik\/Marcelo Camargo)<\/strong><\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>Modelo integra recursos da poupan\u00e7a e do FGTS, elevando o teto do valor financi\u00e1vel, que estava em 70%<\/p>","protected":false},"author":11,"featured_media":12527,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42],"tags":[13],"class_list":["post-12526","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-sindical"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Caixa volta a oferecer financiamento de at\u00e9 80% do valor dos im\u00f3veis - FENATI<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Caixa volta a oferecer financiamento de at\u00e9 80% do valor dos im\u00f3veis - FENATI\" \/>\n<meta property=\"og:description\" content=\"Modelo integra recursos da poupan\u00e7a e do FGTS, elevando o teto do valor financi\u00e1vel, que estava em 70%\" \/>\n<meta property=\"og:url\" content=\"https:\/\/homolog.fenati.org.br\/en\/caixa-oferecer-financiamento-80-do-valor-imoveis\/\" \/>\n<meta property=\"og:site_name\" content=\"FENATI\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/feittinf\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-10T20:29:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-13T14:24:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/homolog.fenati.org.br\/wp-content\/uploads\/2025\/10\/caixaa.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Caio Simidzu\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@FederacaoTiBR\" \/>\n<meta name=\"twitter:site\" content=\"@FederacaoTiBR\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Caio Simidzu\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/homolog.fenati.org.br\\\/caixa-oferecer-financiamento-80-do-valor-imoveis\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/homolog.fenati.org.br\\\/caixa-oferecer-financiamento-80-do-valor-imoveis\\\/\"},\"author\":{\"name\":\"Caio Simidzu\",\"@id\":\"https:\\\/\\\/homolog.fenati.org.br\\\/#\\\/schema\\\/person\\\/966badfad0bf2512a372e082dc1c783e\"},\"headline\":\"Caixa volta a oferecer financiamento de at\u00e9 80% do valor dos im\u00f3veis\",\"datePublished\":\"2025-10-10T20:29:20+00:00\",\"dateModified\":\"2025-10-13T14:24:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/homolog.fenati.org.br\\\/caixa-oferecer-financiamento-80-do-valor-imoveis\\\/\"},\"wordCount\":461,\"publisher\":{\"@id\":\"https:\\\/\\\/homolog.fenati.org.br\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/homolog.fenati.org.br\\\/caixa-oferecer-financiamento-80-do-valor-imoveis\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/homolog.fenati.org.br\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/caixaa.jpg\",\"keywords\":[\"sindical\"],\"articleSection\":[\"Not\u00edcias\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/homolog.fenati.org.br\\\/caixa-oferecer-financiamento-80-do-valor-imoveis\\\/\",\"url\":\"https:\\\/\\\/homolog.fenati.org.br\\\/caixa-oferecer-financiamento-80-do-valor-imoveis\\\/\",\"name\":\"Caixa volta a oferecer financiamento de at\u00e9 80% do valor dos im\u00f3veis - 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