Mortgage

What it is

Long-term credit with the property under a fiduciary lien. Over thirty years, half a point of rate is the price of a car in total paid.

I compare rate, term, mandatory insurance and total effective cost (CET) across banks. If the best offer is the one from your own bank, I say so.

When it makes sense

• You have already chosen the property and only have your bank's offer
• The developer offered a single financing option
• You want to know what really fits your budget before you negotiate

How it works

• CapacityI look at income, available down payment and possible term.
• OffersI compare the banks that lend to your profile and to that property.
• AnalysisCredit approval and property valuation.
• RegistrationSigning, registry office and payment to the seller.

What you will need

• Photo ID, CPF (Brazilian individual tax ID) and proof of income
• Proof of marital status
• Title record (matrícula) of the property you want
• Bank statements and income tax return

The list can change with the institution and the size of the deal. I confirm what is actually required before you gather a single document.