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O seu canal diário de Notícias

Caixa Econômica Federal impõe novas regras para financiamento imobiliário 3g4d27

Banco aumenta exigência de entrada e reduz percentual de financiamento para imóveis; mudanças visam ajustar a concessão de crédito habitacional ao orçamento 393668

A partir desta sexta-feira, 1º de novembro, a Caixa Econômica Federal implementará novas restrições para financiamento de imóveis por meio do Sistema Brasileiro de Poupança e Empréstimo (SBPE), que utiliza recursos da caderneta de poupança. Os novos mutuários terão de arcar com uma entrada maior e o percentual de financiamento do valor do imóvel será reduzido, impactando as condições de crédito.

Para financiamentos pelo sistema de amortização constante (SAC), onde as parcelas diminuem ao longo do tempo, o valor da entrada aumentará de 20% para 30% do preço do imóvel. No sistema Price, de prestações fixas, a entrada mínima subirá de 30% para 50%. Além disso, o banco limitará o crédito apenas a quem não possua outro financiamento ativo com a instituição. A avaliação máxima dos imóveis financiáveis pelo SBPE também a a ser de R$ 1,5 milhão em todas as modalidades.

As novas diretrizes não afetam financiamentos de empreendimentos habitacionais em construção financiados diretamente pela Caixa, que mantém as condições vigentes para essas operações. Com cerca de 70% do mercado de crédito imobiliário no Brasil, a Caixa concentra 48,3% das contratações via SBPE.

Segundo comunicado emitido pela Caixa, o aumento das restrições é uma medida para manter o controle sobre o orçamento do crédito habitacional, que até setembro já alcançava R$ 175 bilhões, registrando crescimento de 28,6% em relação ao mesmo período do ano ado. Somente no SBPE, a Caixa concedeu R$ 63,5 bilhões nos primeiros nove meses de 2023.

A limitação de crédito também reflete o aumento de saques na poupança e mudanças nas Letras de Crédito Imobiliário (LCI) no início do ano, o que limitou ainda mais os recursos disponíveis. Em setembro, a poupança registrou um saldo negativo de R$ 7,1 bilhões, o maior do ano. A Caixa não confirmou se as restrições serão revisadas em 2025 com o novo orçamento ou se as medidas podem se tornar permanentes.

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