{"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":"kako-kupiti-nekretninu","status":"publish","type":"post","link":"https:\/\/jornal365.com.br\/hr\/beneficios\/como-comprar-um-imovel\/","title":{"rendered":"Kako kupiti nekretninu putem programa &#x27;Minha Casa, Minha Vida&#x27; bez prepla\u0107ivanja \u2013 korak-po-korak vodi\u010d sa strategijom"},"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;\">Oglas<\/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>Sada kada ste shvatili kako shema funkcionira i shvatili da ispunjavate uvjete, sljede\u0107e pitanje je: <strong data-start=\"4618\" data-end=\"4727\">Kako mo\u017eete strate\u0161ki kupiti nekretninu, a da ne upadnete u zamke i ne platite vi\u0161e nego \u0161to trebate?<\/strong><\/p><h2 data-start=\"4864\" data-end=\"4908\">Savjet 1: Prije svega, koristite simulator<\/h2><p data-start=\"4910\" data-end=\"5056\">Ve\u0107ina ljudi krivo kre\u0107e: odmah odlaze na web-stranice za nekretnine, a da ne znaju koliko si mogu priu\u0161titi ili koliki \u0107e popust dobiti.<\/p><p data-start=\"5058\" data-end=\"5122\">Prvo upotrijebite kalkulator &#x27;Minha Casa, Minha Vida&#x27; kako biste saznali:<\/p><ul data-start=\"5124\" data-end=\"5261\"><li data-start=\"5124\" data-end=\"5162\"><p data-start=\"5126\" data-end=\"5162\">Koliko \u0107ete dobiti u naknadama.<\/p><\/li><li data-start=\"5163\" data-end=\"5209\"><p data-start=\"5165\" data-end=\"5209\">U koju kategoriju financiranja spadate?.<\/p><\/li><li data-start=\"5210\" data-end=\"5261\"><p data-start=\"5212\" data-end=\"5261\">Koliko mo\u017eete priu\u0161titi pla\u0107ati svakog mjeseca uz smanjenu kamatnu stopu?.<\/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\">Moj dom, moj \u017eivot<\/h2>\r\n  <p>Molimo unesite svoj <strong>mjese\u010dni ku\u0107ni prihod<\/strong> da saznate svoju grupu i procijenjeni ulazak:<\/p>\r\n\r\n  <label for=\"mcvmv-renda\">Mjese\u010dni prihod (R$):<\/label>\r\n  <input type=\"number\" id=\"mcvmv-renda\" placeholder=\"Npr.: 3200\" \/>\r\n\r\n  <button onclick=\"mcvmvCalcular()\">Izra\u010dunaj raspon<\/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\">Savjet 2: Pa\u017eljivo odaberite svoju regiju<\/h2><p data-start=\"5367\" data-end=\"5522\">Maksimalni iznos koji se financira i uvjeti razlikuju se od grada do grada. U sjevernim, sjeveroisto\u010dnim i sredi\u0161nje-zapadnim regijama, na primjer, program je fleksibilniji.<\/p><p data-start=\"5524\" data-end=\"5538\">Pretra\u017ei podru\u010dja:<\/p><ul data-start=\"5540\" data-end=\"5696\"><li data-start=\"5540\" data-end=\"5576\"><p data-start=\"5542\" data-end=\"5576\">S rastu\u0107om infrastrukturom.<\/p><\/li><li data-start=\"5577\" data-end=\"5609\"><p data-start=\"5579\" data-end=\"5609\">Blizu javnog prijevoza.<\/p><\/li><li data-start=\"5610\" data-end=\"5696\"><p data-start=\"5612\" data-end=\"5696\">Da imaju projekte financirane od partnerskih gra\u0111evinskih tvrtki (koje prihva\u0107aju shemu).<\/p><\/li><\/ul><h2 data-start=\"5703\" data-end=\"5742\">Savjet 3: Pregovarajte s gra\u0111evinskim izvo\u0111a\u010dem<\/h2><p data-start=\"5744\" data-end=\"5788\">Imate li <strong data-start=\"5753\" data-end=\"5775\">As u rukavu<\/strong>: naknada.<\/p><p data-start=\"5790\" data-end=\"5881\">Investitori nekretnina vole klijente kojima je ve\u0107 odobrena shema &#x27;Minha Casa, Minha Vida&#x27;. Iskoristite ovo za:<\/p><ul data-start=\"5883\" data-end=\"6005\"><li data-start=\"5883\" data-end=\"5911\"><p data-start=\"5885\" data-end=\"5911\">Zatra\u017eite popust na cijenu ulaznice.<\/p><\/li><li data-start=\"5912\" data-end=\"5964\"><p data-start=\"5914\" data-end=\"5964\">Podnesite zahtjev za oslobo\u0111enje od naknada, kao \u0161to su naknade za upis u zemlji\u0161ne knjige ili ITBI.<\/p><\/li><li data-start=\"5965\" data-end=\"6005\"><p data-start=\"5967\" data-end=\"6005\">Za dobivanje pomo\u0107i pri papirologiji.<\/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 Kako se prijaviti za program 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\">Savjet 4: Pazite na zamke<\/h2><p data-start=\"6053\" data-end=\"6101\">\u010cak i uz popuste i niske kamatne stope, budite oprezni:<\/p><ul data-start=\"6103\" data-end=\"6262\"><li data-start=\"6103\" data-end=\"6141\"><p data-start=\"6105\" data-end=\"6141\">Molimo pro\u010ditajte sve odredbe ugovora.<\/p><\/li><li data-start=\"6142\" data-end=\"6225\"><p data-start=\"6144\" data-end=\"6225\">Dodaj <strong data-start=\"6152\" data-end=\"6173\">dodatni tro\u0161kovi<\/strong>: vlasni\u010dki list, registracijska pristojba, obavezno osiguranje.<\/p><\/li><li data-start=\"6226\" data-end=\"6262\"><p data-start=\"6228\" data-end=\"6262\">Uvijek uspore\u0111ujte s drugim ponudama.<\/p><\/li><\/ul><p data-start=\"6264\" data-end=\"6328\">Nikada ne potpisujte ni\u0161ta dok u potpunosti ne razumijete uklju\u010dene brojke.<\/p><h2 data-start=\"6335\" data-end=\"6376\">Savjet 5: Usporedite ponude banaka<\/h2><p data-start=\"6378\" data-end=\"6467\">Caixa je naj\u010de\u0161\u0107a, ali Banco do Brasil i privatne banke tako\u0111er provode program.<\/p><p data-start=\"6469\" data-end=\"6498\">Isprobajte na razli\u010ditim bankama:<\/p><ul data-start=\"6500\" data-end=\"6566\"><li data-start=\"6500\" data-end=\"6519\"><p data-start=\"6502\" data-end=\"6519\">Iznos rate.<\/p><\/li><li data-start=\"6520\" data-end=\"6542\"><p data-start=\"6522\" data-end=\"6542\">Ukupno pla\u0107anje na kraju.<\/p><\/li><li data-start=\"6543\" data-end=\"6566\"><p data-start=\"6545\" data-end=\"6566\">Stvarne kamatne stope.<\/p><\/li><\/ul><p data-start=\"6568\" data-end=\"6639\">Ovo bi moglo zna\u010diti <strong data-start=\"6590\" data-end=\"6623\">u\u0161tede od tisu\u0107a reala<\/strong> na duge staze.<\/p><h2 data-start=\"6646\" data-end=\"6661\">Zaklju\u010dak<\/h2><p data-start=\"6663\" data-end=\"6833\">Kupnja nekretnine putem programa &#x27;Minha Casa, Minha Vida&#x27; prava je prilika da postanete vlasnik doma uz ni\u017eu cijenu. Ali da <strong data-start=\"6780\" data-end=\"6798\">ne pla\u0107ati previ\u0161e<\/strong>, morate djelovati strate\u0161ki:<\/p><ul data-start=\"6835\" data-end=\"6903\"><li data-start=\"6835\" data-end=\"6853\"><p data-start=\"6837\" data-end=\"6853\">Koristite simulator.<\/p><\/li><li data-start=\"6854\" data-end=\"6875\"><p data-start=\"6856\" data-end=\"6875\">Donosite dobre odluke.<\/p><\/li><li data-start=\"6876\" data-end=\"6903\"><p data-start=\"6878\" data-end=\"6903\">Pregovarajte mudro.<\/p><\/li><\/ul><p>\ud83d\udc49 Pratite ovo\u00a0<a href=\"https:\/\/jornal365.com.br\/hr\/\">blog<\/a>\u00a0za nadolaze\u0107e \u010dlanke u\u00a0<a href=\"https:\/\/www.instagram.com\/jornal.365\/\" target=\"_blank\" rel=\"noopener\">Novine 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\/hr\/wp-json\/wp\/v2\/posts\/12182","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/comments?post=12182"}],"version-history":[{"count":3,"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/posts\/12182\/revisions"}],"predecessor-version":[{"id":17546,"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/posts\/12182\/revisions\/17546"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/media\/12183"}],"wp:attachment":[{"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/media?parent=12182"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/categories?post=12182"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/tags?post=12182"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/post_folder?post=12182"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}