{"id":12182,"date":"2025-06-05T18:53:55","date_gmt":"2025-06-05T18:53:55","guid":{"rendered":"https:\/\/jornal365.com.br\/?p=12182"},"modified":"2025-12-26T03:41:51","modified_gmt":"2025-12-26T03:41:51","slug":"%d0%ba%d0%b0%d0%ba-%d0%b4%d0%b0-%d0%ba%d1%83%d0%bf%d1%8f-%d0%b8%d0%bc%d0%be%d1%82","status":"publish","type":"post","link":"https:\/\/jornal365.com.br\/bg\/beneficios\/como-comprar-um-imovel\/","title":{"rendered":"\u041a\u0430\u043a \u0434\u0430 \u043a\u0443\u043f\u0438\u0442\u0435 \u0438\u043c\u043e\u0442 \u0447\u0440\u0435\u0437 Minha Casa, Minha Vida, \u0431\u0435\u0437 \u0434\u0430 \u043f\u043b\u0430\u0449\u0430\u0442\u0435 \u0442\u0432\u044a\u0440\u0434\u0435 \u043c\u043d\u043e\u0433\u043e - \u0441\u0442\u044a\u043f\u043a\u0430 \u043f\u043e \u0441\u0442\u044a\u043f\u043a\u0430 \u0441\u044a\u0441 \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u044f"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"12182\" class=\"elementor elementor-12182\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71b26bb e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"71b26bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d01a93f elementor-widget elementor-widget-html\" data-id=\"d01a93f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"ad-label\" style=\"font-size:10px;text-align:center;color:#000;\">\u041e\u0431\u044f\u0432\u0438<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-707cabf elementor-widget elementor-widget-text-editor\" data-id=\"707cabf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0421\u043b\u0435\u0434 \u043a\u0430\u0442\u043e \u0440\u0430\u0437\u0431\u0440\u0430\u0445\u0442\u0435 \u043a\u0430\u043a \u0440\u0430\u0431\u043e\u0442\u0438 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u0430\u0442\u0430 \u0438 \u0440\u0430\u0437\u0431\u0440\u0430\u0445\u0442\u0435 \u043d\u0430 \u043a\u0430\u043a\u0432\u043e \u0438\u043c\u0430\u0442\u0435 \u043f\u0440\u0430\u0432\u043e, \u0441\u043b\u0435\u0434\u0432\u0430\u0449\u0438\u044f\u0442 \u0432\u044a\u043f\u0440\u043e\u0441 \u0435: <strong data-start=\"4618\" data-end=\"4727\">\u043a\u0430\u043a \u0434\u0430 \u043a\u0443\u043f\u0438\u0442\u0435 \u0438\u043c\u043e\u0442 \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u0447\u0435\u0441\u043a\u0438, \u0431\u0435\u0437 \u0434\u0430 \u043f\u043e\u043f\u0430\u0434\u0430\u0442\u0435 \u0432 \u043a\u0430\u043f\u0430\u043d\u0438 \u0438 \u0431\u0435\u0437 \u0434\u0430 \u043f\u043b\u0430\u0449\u0430\u0442\u0435 \u043f\u043e\u0432\u0435\u0447\u0435 \u043e\u0442 \u043d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u043e\u0442\u043e?<\/strong><\/p><h2 data-start=\"4864\" data-end=\"4908\">\u0421\u044a\u0432\u0435\u0442 1: \u041f\u0440\u0435\u0434\u0438 \u0432\u0441\u0438\u0447\u043a\u043e \u0438\u0437\u043f\u043e\u043b\u0437\u0432\u0430\u0439\u0442\u0435 \u0441\u0438\u043c\u0443\u043b\u0430\u0442\u043e\u0440\u0430<\/h2><p data-start=\"4910\" data-end=\"5056\">\u041f\u043e\u0432\u0435\u0447\u0435\u0442\u043e \u0445\u043e\u0440\u0430 \u0437\u0430\u043f\u043e\u0447\u0432\u0430\u0442 \u043e\u0442 \u0433\u0440\u0435\u0448\u043d\u043e\u0442\u043e \u043c\u044f\u0441\u0442\u043e: \u043e\u0442\u0438\u0432\u0430\u0442 \u043d\u0430\u043f\u0440\u0430\u0432\u043e \u043d\u0430 \u0443\u0435\u0431\u0441\u0430\u0439\u0442\u043e\u0432\u0435 \u0437\u0430 \u0438\u043c\u043e\u0442\u0438, \u0431\u0435\u0437 \u0434\u0430 \u0437\u043d\u0430\u044f\u0442 \u043a\u043e\u043b\u043a\u043e \u043c\u043e\u0433\u0430\u0442 \u0434\u0430 \u043f\u043e\u0445\u0430\u0440\u0447\u0430\u0442 \u0438 \u043a\u043e\u043b\u043a\u043e \u0449\u0435 \u043f\u043e\u043b\u0443\u0447\u0430\u0442 \u0432 \u0437\u0430\u043c\u044f\u043d\u0430.<\/p><p data-start=\"5058\" data-end=\"5122\">\u041f\u044a\u0440\u0432\u043e \u0438\u0437\u043f\u043e\u043b\u0437\u0432\u0430\u0439\u0442\u0435 \u043a\u0430\u043b\u043a\u0443\u043b\u0430\u0442\u043e\u0440\u0430 \"\u041c\u043e\u044f\u0442\u0430 \u043a\u044a\u0449\u0430, \u043c\u043e\u044f\u0442 \u0436\u0438\u0432\u043e\u0442\", \u0437\u0430 \u0434\u0430 \u0440\u0430\u0437\u0431\u0435\u0440\u0435\u0442\u0435:<\/p><ul data-start=\"5124\" data-end=\"5261\"><li data-start=\"5124\" data-end=\"5162\"><p data-start=\"5126\" data-end=\"5162\">\u041a\u0430\u043a\u044a\u0432 \u0440\u0430\u0437\u043c\u0435\u0440 \u043d\u0430 \u0441\u0443\u0431\u0441\u0438\u0434\u0438\u044f\u0442\u0430 \u0449\u0435 \u043f\u043e\u043b\u0443\u0447\u0438\u0442\u0435.<\/p><\/li><li data-start=\"5163\" data-end=\"5209\"><p data-start=\"5165\" data-end=\"5209\">\u0412 \u043a\u0430\u043a\u044a\u0432 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432 \u0434\u0438\u0430\u043f\u0430\u0437\u043e\u043d \u043f\u043e\u043f\u0430\u0434\u0430\u0442\u0435?.<\/p><\/li><li data-start=\"5210\" data-end=\"5261\"><p data-start=\"5212\" data-end=\"5261\">\u041a\u0430\u043a\u0432\u0430 \u0441\u0443\u043c\u0430 \u043c\u043e\u0436\u0435\u0442\u0435 \u0434\u0430 \u043f\u043b\u0430\u0449\u0430\u0442\u0435 \u0432\u0441\u0435\u043a\u0438 \u043c\u0435\u0441\u0435\u0446 \u0441 \u043d\u0430\u043c\u0430\u043b\u0435\u043d\u0430\u0442\u0430 \u043b\u0438\u0445\u0432\u0430.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-feccda7 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"feccda7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2c43164 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"2c43164\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-02578ce elementor-widget elementor-widget-html\" data-id=\"02578ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"mcvmv-calculadora\">\r\n  <h2 class=\"mcvmv-titulo\">\u041c\u043e\u044f\u0442\u0430 \u043a\u044a\u0449\u0430, \u043c\u043e\u044f\u0442 \u0436\u0438\u0432\u043e\u0442<\/h2>\r\n  <p>\u0420\u0430\u0437\u043a\u0430\u0436\u0435\u0442\u0435 \u043d\u0438 \u0432\u0430\u0448\u0438\u044f <strong>\u043c\u0435\u0441\u0435\u0447\u0435\u043d \u0441\u0435\u043c\u0435\u0435\u043d \u0434\u043e\u0445\u043e\u0434<\/strong> \u0437\u0430 \u0434\u0430 \u0440\u0430\u0437\u0431\u0435\u0440\u0435\u0442\u0435 \u043f\u0440\u0438\u0431\u043b\u0438\u0437\u0438\u0442\u0435\u043b\u043d\u0438\u044f \u0441\u0438 \u043e\u0431\u0445\u0432\u0430\u0442 \u0438 \u0432\u0445\u043e\u0434\u043d\u0438 \u0434\u0430\u043d\u043d\u0438:<\/p>\r\n\r\n  <label for=\"mcvmv-renda\">\u041c\u0435\u0441\u0435\u0447\u0435\u043d \u0434\u043e\u0445\u043e\u0434 (R$):<\/label>\r\n  <input type=\"number\" id=\"mcvmv-renda\" placeholder=\"\u041d\u0430\u043f\u0440\u0438\u043c\u0435\u0440: 3200\" \/>\r\n\r\n  <button onclick=\"mcvmvCalcular()\">\u0418\u0437\u0447\u0438\u0441\u043b\u044f\u0432\u0430\u043d\u0435 \u043d\u0430 \u043e\u0431\u0445\u0432\u0430\u0442\u0430<\/button>\r\n\r\n  <div class=\"mcvmv-resultado\" id=\"mcvmv-resultado\"><\/div>\r\n<\/div>\r\n\r\n<style>\r\n  .mcvmv-calculadora {\r\n    background: #ffffff;\r\n    border: 2px solid #00b894;\r\n    padding: 20px;\r\n    border-radius: 10px;\r\n    max-width: 100%;\r\n    box-shadow: 0 0 10px rgba(0,0,0,0.05);\r\n    margin: 20px 0;\r\n  }\r\n\r\n  .mcvmv-calculadora input,\r\n  .mcvmv-calculadora button {\r\n    width: 100%;\r\n    padding: 10px;\r\n    margin: 8px 0;\r\n    font-size: 16px;\r\n    box-sizing: border-box;\r\n  }\r\n\r\n  .mcvmv-calculadora button {\r\n    background: #00b894;\r\n    color: #fff;\r\n    border: none;\r\n    border-radius: 5px;\r\n    transition: 0.3s;\r\n  }\r\n\r\n  .mcvmv-calculadora button:hover {\r\n    background: #019875;\r\n  }\r\n\r\n  .mcvmv-resultado {\r\n    margin-top: 15px;\r\n    background: #eafaf1;\r\n    padding: 15px;\r\n    border-left: 4px solid #00b894;\r\n    font-weight: bold;\r\n  }\r\n\r\n  .mcvmv-titulo {\r\n    color: #00b894;\r\n    margin-top: 0;\r\n  }\r\n<\/style>\r\n\r\n<script>\r\n  function mcvmvCalcular() {\r\n    const renda = parseFloat(document.getElementById(\"mcvmv-renda\").value);\r\n    const resultado = document.getElementById(\"mcvmv-resultado\");\r\n\r\n    if (isNaN(renda) || renda <= 0) {\r\n      resultado.innerHTML = \"Por favor, insira uma renda v\u00e1lida.\";\r\n      return;\r\n    }\r\n\r\n    let faixa = \"\";\r\n    let entrada = 0;\r\n\r\n    if (renda <= 2640) {\r\n      faixa = \"Faixa 1\";\r\n      entrada = 0;\r\n    } else if (renda <= 4400) {\r\n      faixa = \"Faixa 2\";\r\n      entrada = 10;\r\n    } else if (renda <= 8000) {\r\n      faixa = \"Faixa 3\";\r\n      entrada = 15;\r\n    } else {\r\n      faixa = \"Faixa 4\";\r\n      entrada = 20;\r\n    }\r\n\r\n    resultado.innerHTML = `Voc\u00ea est\u00e1 na <strong>${faixa}<\/strong>.<br>\r\n    A entrada estimada para o im\u00f3vel \u00e9 de <strong>${entrada}%<\/strong> do valor.`;\r\n  }\r\n<\/script>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a776bc elementor-widget elementor-widget-text-editor\" data-id=\"0a776bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"5331\" data-end=\"5365\">\u0421\u044a\u0432\u0435\u0442 2: \u0418\u0437\u0431\u0435\u0440\u0435\u0442\u0435 \u0434\u043e\u0431\u0440\u0435 \u0440\u0435\u0433\u0438\u043e\u043d\u0430 \u0441\u0438<\/h2><p data-start=\"5367\" data-end=\"5522\">\u041c\u0430\u043a\u0441\u0438\u043c\u0430\u043b\u043d\u0430\u0442\u0430 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u0430\u043d\u0430 \u0441\u0443\u043c\u0430 \u0438 \u0443\u0441\u043b\u043e\u0432\u0438\u044f\u0442\u0430 \u0432\u0430\u0440\u0438\u0440\u0430\u0442 \u0432 \u0440\u0430\u0437\u043b\u0438\u0447\u043d\u0438\u0442\u0435 \u0433\u0440\u0430\u0434\u043e\u0432\u0435. \u0412 \u0441\u0435\u0432\u0435\u0440\u043d\u0438\u0442\u0435, \u0441\u0435\u0432\u0435\u0440\u043e\u0438\u0437\u0442\u043e\u0447\u043d\u0438\u0442\u0435 \u0438 \u0441\u0440\u0435\u0434\u043d\u043e-\u0437\u0430\u043f\u0430\u0434\u043d\u0438\u0442\u0435 \u0440\u0435\u0433\u0438\u043e\u043d\u0438 \u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u0430\u0442\u0430 \u0435 \u043f\u043e-\u0433\u044a\u0432\u043a\u0430\u0432\u0430.<\/p><p data-start=\"5524\" data-end=\"5538\">\u0422\u044a\u0440\u0441\u0435\u0442\u0435 \u043e\u0431\u043b\u0430\u0441\u0442\u0438:<\/p><ul data-start=\"5540\" data-end=\"5696\"><li data-start=\"5540\" data-end=\"5576\"><p data-start=\"5542\" data-end=\"5576\">\u0421 \u043d\u0430\u0440\u0430\u0441\u0442\u0432\u0430\u0449\u0430 \u0438\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0430.<\/p><\/li><li data-start=\"5577\" data-end=\"5609\"><p data-start=\"5579\" data-end=\"5609\">\u0412 \u0431\u043b\u0438\u0437\u043e\u0441\u0442 \u0434\u043e \u043e\u0431\u0449\u0435\u0441\u0442\u0432\u0435\u043d \u0442\u0440\u0430\u043d\u0441\u043f\u043e\u0440\u0442.<\/p><\/li><li data-start=\"5610\" data-end=\"5696\"><p data-start=\"5612\" data-end=\"5696\">\u043a\u043e\u0438\u0442\u043e \u0438\u043c\u0430\u0442 \u043f\u0440\u043e\u0435\u043a\u0442\u0438, \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u0430\u043d\u0438 \u043e\u0442 \u043f\u0430\u0440\u0442\u043d\u044c\u043e\u0440\u0441\u043a\u0438 \u0441\u0442\u0440\u043e\u0438\u0442\u0435\u043b\u043d\u0438 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438 (\u043a\u043e\u0438\u0442\u043e \u043f\u0440\u0438\u0435\u043c\u0430\u0442 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u0430\u0442\u0430).<\/p><\/li><\/ul><h2 data-start=\"5703\" data-end=\"5742\">\u0421\u044a\u0432\u0435\u0442 3: \u041f\u0440\u0435\u0433\u043e\u0432\u0430\u0440\u044f\u0439\u0442\u0435 \u0441\u044a\u0441 \u0441\u0442\u0440\u043e\u0438\u0442\u0435\u043b\u044f<\/h2><p data-start=\"5744\" data-end=\"5788\">\u0418\u043c\u0430\u0442\u0435 <strong data-start=\"5753\" data-end=\"5775\">\u043a\u0430\u0440\u0442\u0430 \u0432 \u0440\u044a\u043a\u0430\u0432\u0430 \u0441\u0438<\/strong>\u0441\u0443\u0431\u0441\u0438\u0434\u0438\u044f\u0442\u0430.<\/p><p data-start=\"5790\" data-end=\"5881\">\u0421\u0442\u0440\u043e\u0438\u0442\u0435\u043b\u0438\u0442\u0435 \u043e\u0431\u0438\u0447\u0430\u0442 \u043a\u043b\u0438\u0435\u043d\u0442\u0438, \u043a\u043e\u0438\u0442\u043e \u0432\u0435\u0447\u0435 \u0441\u0430 \u043e\u0434\u043e\u0431\u0440\u0435\u043d\u0438 \u0437\u0430 Minha Casa, Minha Vida. \u0418\u0437\u043f\u043e\u043b\u0437\u0432\u0430\u0439\u0442\u0435 \u0442\u043e\u0432\u0430, \u0437\u0430 \u0434\u0430:<\/p><ul data-start=\"5883\" data-end=\"6005\"><li data-start=\"5883\" data-end=\"5911\"><p data-start=\"5885\" data-end=\"5911\">\u041f\u043e\u043f\u0438\u0442\u0430\u0439\u0442\u0435 \u0437\u0430 \u043e\u0442\u0441\u0442\u044a\u043f\u043a\u0430 \u043f\u0440\u0438 \u0432\u043b\u0438\u0437\u0430\u043d\u0435.<\/p><\/li><li data-start=\"5912\" data-end=\"5964\"><p data-start=\"5914\" data-end=\"5964\">\u041f\u043e\u0438\u0441\u043a\u0430\u0439\u0442\u0435 \u043e\u0441\u0432\u043e\u0431\u043e\u0436\u0434\u0430\u0432\u0430\u043d\u0435 \u043e\u0442 \u0442\u0430\u043a\u0441\u0438, \u043a\u0430\u0442\u043e \u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440 \u0437\u0430 \u043d\u043e\u0442\u0430\u0440\u0438\u0430\u043b\u043d\u0438\u044f \u0430\u043a\u0442 \u0438\u043b\u0438 ITBI.<\/p><\/li><li data-start=\"5965\" data-end=\"6005\"><p data-start=\"5967\" data-end=\"6005\">\u041f\u043e\u043b\u0443\u0447\u0435\u0442\u0435 \u043f\u043e-\u043b\u0435\u0441\u043d\u0430 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u0430\u0446\u0438\u044f.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-176537d e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"176537d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b90ef88 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"b90ef88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.caixa.gov.br\/voce\/habitacao\/minha-casa-minha-vida\/Paginas\/default.aspx\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\ud83d\udc49 \u041a\u0430\u043a \u0434\u0430 \u0441\u0435 \u0440\u0435\u0433\u0438\u0441\u0442\u0440\u0438\u0440\u0430\u0442\u0435 \u0437\u0430 Minha Casa Minha Vida<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f4a4e8c e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"f4a4e8c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1ab991 elementor-widget elementor-widget-text-editor\" data-id=\"a1ab991\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"6012\" data-end=\"6051\">\u0421\u044a\u0432\u0435\u0442 4: \u0412\u043d\u0438\u043c\u0430\u0432\u0430\u0439\u0442\u0435 \u0437\u0430 \u043a\u0430\u043f\u0430\u043d\u0438<\/h2><p data-start=\"6053\" data-end=\"6101\">\u0414\u043e\u0440\u0438 \u0438 \u0441 \u043e\u0442\u0441\u0442\u044a\u043f\u043a\u0430 \u0438 \u043d\u0438\u0441\u043a\u0438 \u043b\u0438\u0445\u0432\u0435\u043d\u0438 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u0438, \u0432\u043d\u0438\u043c\u0430\u0432\u0430\u0439\u0442\u0435:<\/p><ul data-start=\"6103\" data-end=\"6262\"><li data-start=\"6103\" data-end=\"6141\"><p data-start=\"6105\" data-end=\"6141\">\u041f\u0440\u043e\u0447\u0435\u0442\u0435\u0442\u0435 \u0432\u0441\u0438\u0447\u043a\u0438 \u043a\u043b\u0430\u0443\u0437\u0438 \u0432 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430.<\/p><\/li><li data-start=\"6142\" data-end=\"6225\"><p data-start=\"6144\" data-end=\"6225\">\u0421\u044a\u0431\u0435\u0440\u0435\u0442\u0435 <strong data-start=\"6152\" data-end=\"6173\">\u0434\u043e\u043f\u044a\u043b\u043d\u0438\u0442\u0435\u043b\u043d\u0438 \u0440\u0430\u0437\u0445\u043e\u0434\u0438<\/strong>\u0430\u043a\u0442, \u0442\u0430\u043a\u0441\u0430 \u0437\u0430 \u0440\u0435\u0433\u0438\u0441\u0442\u0440\u0430\u0446\u0438\u044f, \u0437\u0430\u0434\u044a\u043b\u0436\u0438\u0442\u0435\u043b\u043d\u0430 \u0437\u0430\u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043a\u0430.<\/p><\/li><li data-start=\"6226\" data-end=\"6262\"><p data-start=\"6228\" data-end=\"6262\">\u0412\u0438\u043d\u0430\u0433\u0438 \u0441\u0440\u0430\u0432\u043d\u044f\u0432\u0430\u0439\u0442\u0435 \u0441 \u0434\u0440\u0443\u0433\u0438 \u043e\u0444\u0435\u0440\u0442\u0438.<\/p><\/li><\/ul><p data-start=\"6264\" data-end=\"6328\">\u041d\u0438\u043a\u043e\u0433\u0430 \u043d\u0435 \u043f\u043e\u0434\u043f\u0438\u0441\u0432\u0430\u0439\u0442\u0435 \u043d\u0438\u0449\u043e, \u043f\u0440\u0435\u0434\u0438 \u0434\u0430 \u0441\u0442\u0435 \u0440\u0430\u0437\u0431\u0440\u0430\u043b\u0438 100% \u0441\u0442\u043e\u0439\u043d\u043e\u0441\u0442\u0438\u0442\u0435, \u0441\u0432\u044a\u0440\u0437\u0430\u043d\u0438 \u0441 \u043d\u0435\u0433\u043e.<\/p><h2 data-start=\"6335\" data-end=\"6376\">\u0421\u044a\u0432\u0435\u0442 5: \u0421\u0440\u0430\u0432\u043d\u0435\u0442\u0435 \u043e\u0444\u0435\u0440\u0442\u0438\u0442\u0435 \u043d\u0430 \u0431\u0430\u043d\u043a\u0438\u0442\u0435<\/h2><p data-start=\"6378\" data-end=\"6467\">Caixa \u0435 \u043d\u0430\u0439-\u0440\u0430\u0437\u043f\u0440\u043e\u0441\u0442\u0440\u0430\u043d\u0435\u043d\u0430\u0442\u0430, \u043d\u043e Banco do Brasil \u0438 \u0447\u0430\u0441\u0442\u043d\u0438 \u0431\u0430\u043d\u043a\u0438 \u0441\u044a\u0449\u043e \u0443\u043f\u0440\u0430\u0432\u043b\u044f\u0432\u0430\u0442 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u0430\u0442\u0430.<\/p><p data-start=\"6469\" data-end=\"6498\">\u0421\u0438\u043c\u0443\u043b\u0438\u0440\u0430\u0439\u0442\u0435 \u0441 \u0440\u0430\u0437\u043b\u0438\u0447\u043d\u0438\u0442\u0435 \u0431\u0430\u043d\u043a\u0438:<\/p><ul data-start=\"6500\" data-end=\"6566\"><li data-start=\"6500\" data-end=\"6519\"><p data-start=\"6502\" data-end=\"6519\">\u0421\u0442\u043e\u0439\u043d\u043e\u0441\u0442 \u043d\u0430 \u0432\u043d\u043e\u0441\u043a\u0430\u0442\u0430.<\/p><\/li><li data-start=\"6520\" data-end=\"6542\"><p data-start=\"6522\" data-end=\"6542\">\u041e\u0431\u0449\u043e \u043f\u043b\u0430\u0442\u0435\u043d\u0430 \u0441\u0443\u043c\u0430 \u0432 \u043a\u0440\u0430\u044f.<\/p><\/li><li data-start=\"6543\" data-end=\"6566\"><p data-start=\"6545\" data-end=\"6566\">\u0420\u0435\u0430\u043b\u043d\u0438 \u043b\u0438\u0445\u0432\u0435\u043d\u0438 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u0438.<\/p><\/li><\/ul><p data-start=\"6568\" data-end=\"6639\">\u0422\u043e\u0432\u0430 \u043c\u043e\u0436\u0435 \u0434\u0430 \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043b\u044f\u0432\u0430 <strong data-start=\"6590\" data-end=\"6623\">\u0441\u043f\u0435\u0441\u0442\u044f\u0432\u0430\u043d\u0438\u044f \u0432 \u0440\u0430\u0437\u043c\u0435\u0440 \u043d\u0430 \u0445\u0438\u043b\u044f\u0434\u0438 \u0440\u0435\u0430\u043b\u0430<\/strong> \u0432 \u0434\u044a\u043b\u0433\u043e\u0441\u0440\u043e\u0447\u0435\u043d \u043f\u043b\u0430\u043d.<\/p><h2 data-start=\"6646\" data-end=\"6661\">\u0417\u0430\u043a\u043b\u044e\u0447\u0435\u043d\u0438\u0435<\/h2><p data-start=\"6663\" data-end=\"6833\">\u0417\u0430\u043a\u0443\u043f\u0443\u0432\u0430\u043d\u0435\u0442\u043e \u043d\u0430 \u0438\u043c\u043e\u0442 \u0447\u0440\u0435\u0437 Minha Casa, Minha Vida \u0435 \u0440\u0435\u0430\u043b\u0435\u043d \u0448\u0430\u043d\u0441 \u0434\u0430 \u0441\u0435 \u0441\u0434\u043e\u0431\u0438\u0435\u0442\u0435 \u0441\u044a\u0441 \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d \u0434\u043e\u043c \u0437\u0430 \u043f\u043e-\u043c\u0430\u043b\u043a\u043e \u043f\u0430\u0440\u0438. \u041d\u043e \u0437\u0430 <strong data-start=\"6780\" data-end=\"6798\">\u043d\u0435 \u043f\u043b\u0430\u0449\u0430\u0439\u0442\u0435 \u0442\u0432\u044a\u0440\u0434\u0435 \u043c\u043d\u043e\u0433\u043e<\/strong>, \u0442\u0440\u044f\u0431\u0432\u0430 \u0434\u0430 \u0434\u0435\u0439\u0441\u0442\u0432\u0430\u0442\u0435 \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u0447\u0435\u0441\u043a\u0438:<\/p><ul data-start=\"6835\" data-end=\"6903\"><li data-start=\"6835\" data-end=\"6853\"><p data-start=\"6837\" data-end=\"6853\">\u0418\u0437\u043f\u043e\u043b\u0437\u0432\u0430\u0439\u0442\u0435 \u0441\u0438\u043c\u0443\u043b\u0430\u0442\u043e\u0440\u0430.<\/p><\/li><li data-start=\"6854\" data-end=\"6875\"><p data-start=\"6856\" data-end=\"6875\">\u041f\u0440\u0430\u0432\u0435\u0442\u0435 \u0434\u043e\u0431\u044a\u0440 \u0438\u0437\u0431\u043e\u0440.<\/p><\/li><li data-start=\"6876\" data-end=\"6903\"><p data-start=\"6878\" data-end=\"6903\">\u041f\u0440\u0435\u0433\u043e\u0432\u0430\u0440\u044f\u0439\u0442\u0435 \u0438\u043d\u0442\u0435\u043b\u0438\u0433\u0435\u043d\u0442\u043d\u043e.<\/p><\/li><\/ul><p>\ud83d\udc49 \u0414\u0440\u044a\u0436\u0442\u0435 \u043f\u043e\u0434 \u043e\u043a\u043e\u00a0<a href=\"https:\/\/jornal365.com.br\/bg\/\">\u0431\u043b\u043e\u0433<\/a>\u00a0\u0437\u0430 \u0441\u043b\u0435\u0434\u0432\u0430\u0449\u0438\u0442\u0435 \u0441\u0442\u0430\u0442\u0438\u0438 \u0437\u0430\u00a0<a href=\"https:\/\/www.instagram.com\/jornal.365\/\" target=\"_blank\" rel=\"noopener\">\u0412\u0435\u0441\u0442\u043d\u0438\u043a 365.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>An\u00fancio Agora que voc\u00ea j\u00e1 entendeu como funciona o programa e viu que tem direito, a pr\u00f3xima pergunta \u00e9: como comprar um im\u00f3vel de forma estrat\u00e9gica, sem cair em armadilhas e sem pagar mais do que o necess\u00e1rio? Dica 1: Antes de tudo, use o simulador A maioria das pessoas come\u00e7a pelo lugar errado: vai direto para os sites de im\u00f3veis sem saber quanto pode gastar e quanto vai receber de desconto. Use primeiro a calculadora do Minha Casa, Minha Vida para saber: Quanto voc\u00ea vai receber de subs\u00eddio. Qual faixa de financiamento voc\u00ea se encaixa. Quanto pode pagar por m\u00eas com os juros reduzidos. Minha Casa Minha Vida Informe sua renda mensal familiar para descobrir sua faixa e entrada estimada: Renda Mensal (R$): Calcular Faixa Dica 2: Escolha bem a regi\u00e3o O valor m\u00e1ximo financiado e as condi\u00e7\u00f5es variam de cidade para cidade. Nas regi\u00f5es Norte, Nordeste e Centro-Oeste, por exemplo, o programa \u00e9 mais flex\u00edvel. Procure \u00e1reas: Com infraestrutura em crescimento. Pr\u00f3ximas a transporte p\u00fablico. Que tenham projetos financiados por construtoras parceiras (que aceitam o programa). Dica 3: Negocie com a construtora Voc\u00ea tem uma carta na manga: o subs\u00eddio. Construtoras adoram clientes que j\u00e1 t\u00eam aprova\u00e7\u00e3o no Minha Casa, Minha Vida. Use isso para: Pedir desconto na entrada. Solicitar isen\u00e7\u00e3o de taxas como escritura ou ITBI. Conseguir facilidades na documenta\u00e7\u00e3o. \ud83d\udc49 Como se inscrever na Minha Casa Minha Vida Dica 4: Cuidado com as armadilhas Mesmo com desconto e juros baixos, fique atento: Leia todas as cl\u00e1usulas do contrato. Some os custos adicionais: escritura, taxa de registro, seguros obrigat\u00f3rios. Compare sempre com outras ofertas. Nunca assine nada antes de entender 100% dos valores envolvidos. Dica 5: Compare propostas de bancos A Caixa \u00e9 a mais comum, mas o Banco do Brasil e bancos privados tamb\u00e9m operam o programa. Simule nos diferentes bancos: Valor da parcela. Total pago ao final. Taxas de juros reais. Isso pode representar economia de milhares de reais no longo prazo. Conclus\u00e3o Comprar um im\u00f3vel pelo Minha Casa, Minha Vida \u00e9 uma chance real de conquistar a casa pr\u00f3pria pagando menos. Mas para n\u00e3o pagar caro, voc\u00ea precisa agir com estrat\u00e9gia: Use o simulador. Fa\u00e7a boas escolhas. Negocie com intelig\u00eancia. \ud83d\udc49 Fique de olho aqui no\u00a0blog\u00a0para os pr\u00f3ximos artigos no\u00a0Jornal 365.<\/p>","protected":false},"author":1,"featured_media":12183,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"googlesitekit_rrm_CAow2qXbCw:productID":"","neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","footnotes":""},"categories":[10],"tags":[],"post_folder":[],"class_list":["post-12182","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-beneficios"],"_links":{"self":[{"href":"https:\/\/jornal365.com.br\/bg\/wp-json\/wp\/v2\/posts\/12182","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jornal365.com.br\/bg\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jornal365.com.br\/bg\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/bg\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/bg\/wp-json\/wp\/v2\/comments?post=12182"}],"version-history":[{"count":3,"href":"https:\/\/jornal365.com.br\/bg\/wp-json\/wp\/v2\/posts\/12182\/revisions"}],"predecessor-version":[{"id":17546,"href":"https:\/\/jornal365.com.br\/bg\/wp-json\/wp\/v2\/posts\/12182\/revisions\/17546"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/bg\/wp-json\/wp\/v2\/media\/12183"}],"wp:attachment":[{"href":"https:\/\/jornal365.com.br\/bg\/wp-json\/wp\/v2\/media?parent=12182"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jornal365.com.br\/bg\/wp-json\/wp\/v2\/categories?post=12182"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jornal365.com.br\/bg\/wp-json\/wp\/v2\/tags?post=12182"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/jornal365.com.br\/bg\/wp-json\/wp\/v2\/post_folder?post=12182"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}