Aprenda a como usar o Aplicativo de financiamento da Caixa

Mr English 20 de novembro de 20239 de janeiro de 2024 0 Comments Aplicativo Caixa, Aplicativo de financiamento da Caixa, Aplicativo para financiar, App Caixa, App Caixa Habitação, App de financiamento, App financiamento Caixa, Caixa Habitação

Technology once again comes to help the realtor in his day to day. However, Caixa has just made real estate financing easier, so professionals should be aware that their clients do not miss this chance. After the decrease in interest rates, the agency mentioned the possibility of applying for real estate financing through its Caixa financing application for Android and iOS. Now all you have to do is use the application to simulate real estate financing, apply, maintain and monitor your contracts.

This way, anytime, anywhere, all information is available through self-service options.

Real estate financing is much more practical and safer

For brokers, for example, this is a good chance to help their clients simulate real estate financing. However, hiring can be requested completely digitally through the app. But! To do this, the customer just has to follow the entire process through the app itself, register digitally and send all the documentation.

Because, with that, Caixa simplifies the process and reduces queue time at branches, eliminating the need for face-to-face assistance. The signing of the contract is still done in person only at the end of the process. Thus, all other steps are done remotely through the app.

Know the steps

The whole process of applying for real estate financing is very easy and safe. Learn how and find out how to help your customers close deals:

Download the app on your iOS or Android phone;

Do a credit simulation and choose the best alternative on offer. It is possible to adapt the desired maximum installment, the down payment, the amortization system, the interest index and the financing period;

Register and register all those who will be involved in the proposal for financing the property, such as children, spouse, partner, among others;

Insert the municipality of residence of the property and the purchase price;

Choose a service channel for sending documents digitally. It can be a digital agency or a Caixa Aqui correspondent. To sign the financing agreement in person, choose an agency. However, this must be the only step in physical agency;

Submit a proposal and follow the process through the app:

Receipt of the proposal;
Pending documents;
Approval or not of the credit;
Bill for payment of the initial valuation fee for the intended property;
Result of the appraisal report;
Release of funds from your linked FGTS account if used as a down payment on financing, as well as the expected date for signing the contract.

For those who already have a contract with Caixa: more agility too

Caixa’s financing application also provides additional advantages for those who have open real estate financing. It is now possible:

Changing due dates;
View the legal statements linked to your contract;
See the updated value for settlement, on the chosen date, and release of the slip;
Or copy of the bar code for early settlement with own funds.

In addition, the app also allows the customer to see the open installments and take the slip or a copy of the bar code to pay outstanding debts. Thus, the evolution of real estate financing can be seen in the construction phase. Add or update Caixa account data for automatic debit.

And also carry out the simulation and/or use the FGTS for settlement, amortization and payment of part of the installment, declaration of annual payment of debts, statement for Income Tax and statement of amounts paid.

How can the app help the broker?

The Caixa financing application can help realtors a lot. For example, the app can be a great ally for undecided customers. Therefore, it facilitates the simulation and contracting of real estate financing. Therefore, the whole process is easier, reducing the time of the buying and selling process.

It also becomes another chance to provide quality service to your customers, helping them to simulate entries and services that best suit their profile. However, it is important for the broker to be aware of the solutions that technology provides to the real estate market. That can help increase productivity and security, especially in times of crisis.

Caixa’s interest rate reduction

Caixa spoke of the decrease in the home financing rate for individuals, with resources in savings. Because, with that, the percentage of the floor went from 6.5% to 6.25% added to the annual reference rate (TR). The ceiling, on the other hand, decreased from 8.5% to 8% plus TR. The new values come into effect from October 22.

Before doing the simulation, read our safety tip:

Be careful when shopping online or using bank sites

Making purchases through the internet is a greater convenience, however, only do it on recognized sales sites. If you’re interested in a product sold on an unfamiliar website, do an internet search to find out if there are any complaints against the company.

Also, a good service for this is the Reclame Aqui website. So, when accessing your bank account through the internet, be careful too! Finally, avoid doing this on public computers, always check that the link address is the same as the banking service and follow all the security standards recommended by the bank.

MR English