{"id":1006,"date":"2022-08-05T15:47:58","date_gmt":"2022-08-05T18:47:58","guid":{"rendered":"https:\/\/loitlegal.com.br\/blog\/?p=1006"},"modified":"2022-08-17T17:20:44","modified_gmt":"2022-08-17T20:20:44","slug":"fgts-para-comprar-imovel","status":"publish","type":"post","link":"https:\/\/loitlegal.com.br\/blog\/fgts-para-comprar-imovel\/","title":{"rendered":"FGTS para comprar im\u00f3vel: esclare\u00e7a suas principais d\u00favidas"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1006\" class=\"elementor elementor-1006\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f87e44d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f87e44d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bcfcf2e\" data-id=\"bcfcf2e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f5c742a elementor-widget elementor-widget-text-editor\" data-id=\"f5c742a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 15-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><span style=\"font-weight: 400;\">No Brasil, \u00e9 permitido fazer o saque do saldo do FGTS em algumas hip\u00f3teses previstas em lei, tais como a compra de um im\u00f3vel, o acometimento de doen\u00e7as graves, decretamento de estado de calamidade p\u00fablica e t\u00e9rmino de contrato de trabalho sem justa causa. Nesse artigo falaremos um pouco sobre o uso do FGTS para compra ou reforma de im\u00f3vel. Saiba como utilizar esse recurso para alcan\u00e7ar o seu objetivo.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b58624b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b58624b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9899713\" data-id=\"9899713\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-590ff9e elementor-widget elementor-widget-table-of-contents\" data-id=\"590ff9e\" data-element_type=\"widget\" data-settings=\"{&quot;headings_by_tags&quot;:[&quot;h2&quot;],&quot;exclude_headings_by_selector&quot;:[],&quot;marker_view&quot;:&quot;bullets&quot;,&quot;icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;collapse_subitems&quot;:&quot;yes&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor-pro - v3.7.2 - 15-06-2022 *\/\n.elementor-widget-table-of-contents .elementor-toc__header-title{color:var(--header-color)}.elementor-widget-table-of-contents.elementor-toc--collapsed 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.elementor-toc__list-wrapper{margin-top:.5em;margin-left:var(--nested-list-indent,1em)}.elementor-toc__list-item-text:hover{color:var(--item-text-hover-color);-webkit-text-decoration:var(--item-text-hover-decoration);text-decoration:var(--item-text-hover-decoration)}.elementor-toc__list-item-text.elementor-item-active{color:var(--item-text-active-color);-webkit-text-decoration:var(--item-text-active-decoration);text-decoration:var(--item-text-active-decoration)}.elementor-toc__list-item-text-wrapper{display:-webkit-box;display:-ms-flexbox;display:flex;-webkit-box-align:center;-ms-flex-align:center;align-items:center}.elementor-toc__list-item-text-wrapper:before,.elementor-toc__list-item-text-wrapper i{margin-right:8px;color:var(--marker-color)}.elementor-toc__list-item-text-wrapper svg{margin-right:8px;fill:var(--marker-color);height:var(--marker-size,.5em);width:var(--marker-size,.5em)}.elementor-toc__list-item-text-wrapper i{font-size:var(--marker-size,.5em)}.elementor-toc__list-item-text-wrapper:before{font-size:var(--marker-size,1em)}.elementor-toc--content-ellipsis .elementor-toc__list-item-text{white-space:nowrap;overflow:hidden;-o-text-overflow:ellipsis;text-overflow:ellipsis}.elementor-toc__list-items--collapsible>.elementor-toc__list-wrapper>.elementor-toc__list-item>.elementor-toc__list-wrapper{display:none}.elementor-toc__heading-anchor{position:absolute}.elementor-toc__body .elementor-toc__list-item-text{color:var(--item-text-color);-webkit-text-decoration:var(--item-text-decoration);text-decoration:var(--item-text-decoration)}.elementor-toc__body .elementor-toc__list-item-text:hover{color:var(--item-text-hover-color);-webkit-text-decoration:var(--item-text-hover-decoration);text-decoration:var(--item-text-hover-decoration)}.elementor-toc__body .elementor-toc__list-item-text.elementor-item-active{color:var(--item-text-active-color);-webkit-text-decoration:var(--item-text-active-decoration);text-decoration:var(--item-text-active-decoration)}ol.elementor-toc__list-wrapper{counter-reset:item}ol.elementor-toc__list-wrapper .elementor-toc__list-item{counter-increment:item}ol.elementor-toc__list-wrapper .elementor-toc__list-item-text-wrapper:before{content:counters(item,\".\") \". \"}<\/style>\t\t<div class=\"elementor-toc__header\">\n\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tNeste texto, voc\u00ea vai saber:\t\t\t<\/h4>\n\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-toc__body elementor-toc__list-items--collapsible\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbcdc63 elementor-widget elementor-widget-text-editor\" data-id=\"dbcdc63\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Como usar o FGTS no financeiro imobili\u00e1rio? <\/b><\/h2><p><span style=\"font-weight: 400;\">H\u00e1 tr\u00eas principais formas de utiliza\u00e7\u00e3o do FGTS na conquista da casa pr\u00f3pria: para dar entrada, como amortiza\u00e7\u00e3o da d\u00edvida ou para reduzir o valor das parcelas.\u00a0<\/span><\/p><h3>Para dar entrada<\/h3><p><span style=\"font-weight: 400;\">O financiamento de um im\u00f3vel costuma exigir parte do valor total como entrada, no m\u00ednimo 20%. Essa porcentagem pode ser coberta pelo saldo do FGTS.\u00a0<\/span><\/p><h3><b>Para amortizar o valor da d\u00edvida<\/b><\/h3><p><span style=\"font-weight: 400;\">Para reduzir o valor total da d\u00edvida, o FGTS pode ser utilizado. As vantagens dessa op\u00e7\u00e3o incluem a redu\u00e7\u00e3o dos juros e a redu\u00e7\u00e3o do tempo da d\u00edvida.\u00a0<\/span><\/p><h3><b>Redu\u00e7\u00e3o do valor da parcela<\/b><\/h3><p><span style=\"font-weight: 400;\">Ao inv\u00e9s de reduzir o valor total, h\u00e1 redu\u00e7\u00e3o no valor das parcelas, com valores do FGTS sendo destinados m\u00eas a m\u00eas para amortizar at\u00e9 80%\u00a0 de cada parcela.\u00a0<\/span><\/p><p>\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdd1426 elementor-widget elementor-widget-text-editor\" data-id=\"bdd1426\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Quem pode financiar um im\u00f3vel com o FGTS?<\/b><\/h2><p><span style=\"font-weight: 400;\">Qualquer trabalhador com carteira assinada a pelo menos tr\u00eas anos, consecutivos ou n\u00e3o, atende o principal requisito para utiliza\u00e7\u00e3o do FGTS na compra do im\u00f3vel. Al\u00e9m disso, tamb\u00e9m \u00e9 preciso que:\u00a0<\/span><\/p><ul><li style=\"list-style-type: none;\"><ul><li style=\"list-style-type: none;\"><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">N\u00e3o tenha outro financiamento ativo no SFH (Sistema Financeiro de Habita\u00e7\u00e3o);<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">N\u00e3o seja dono de outro im\u00f3vel residencial na cidade onde mora ou trabalha;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A compra do im\u00f3vel seja para moradia pr\u00f3pria;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tenha renda mensal suficiente para que as parcelas do im\u00f3vel n\u00e3o superem 30% do sal\u00e1rio;\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">N\u00e3o tenha pend\u00eancias em \u00f3rg\u00e3os de institui\u00e7\u00e3o de cr\u00e9dito, como SPC e SERASA.<\/span><\/li><\/ul><\/li><\/ul><\/li><\/ul><p style=\"padding-left: 80px;\">\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a20e1b elementor-widget elementor-widget-text-editor\" data-id=\"6a20e1b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Quais os requisitos m\u00ednimos do im\u00f3vel para utiliza\u00e7\u00e3o do FGTS?<\/b><\/h2><p><span style=\"font-weight: 400;\">N\u00e3o somente o trabalhador tem requisitos a cumprir para conseguir realizar a compra de um im\u00f3vel com o FGTS, como tamb\u00e9m o im\u00f3vel e o propriet\u00e1rio atual, caso o im\u00f3vel seja negociado entre pessoas f\u00edsicas:\u00a0<\/span><\/p><ul><li style=\"list-style-type: none;\"><ul><li style=\"list-style-type: none;\"><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Deve ser classificado como moradia residencial urbana;\u00a0<\/span><\/li><\/ul><\/li><\/ul><\/li><\/ul><ul><li style=\"list-style-type: none;\"><ul><li style=\"list-style-type: none;\"><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">N\u00e3o pode ter pend\u00eancias financeiras na inscri\u00e7\u00e3o de matr\u00edcula;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Deve custar no m\u00e1ximo R$ 1,5 milh\u00e3o;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">N\u00e3o pode ter sido comprado anteriormente com o FGTS por outro contribuinte nos \u00faltimos tr\u00eas anos;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">O im\u00f3vel precisa estar pronto para morar e deve estar nas mesmas condi\u00e7\u00f5es constatadas na matr\u00edcula.<\/span><\/li><\/ul><\/li><\/ul><\/li><\/ul><ul><li style=\"list-style-type: none;\"><ul><li style=\"list-style-type: none;\"><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">O atual propriet\u00e1rio n\u00e3o pode ter pend\u00eancias financeiras em \u00f3rg\u00e3os de prote\u00e7\u00e3o de cr\u00e9dito, como SPC e SERASA;<\/span><\/li><\/ul><\/li><\/ul><\/li><\/ul><ul><li style=\"list-style-type: none;\"><ul><li style=\"list-style-type: none;\"><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">O atual propriet\u00e1rio n\u00e3o pode estar respondendo processo judicial, especialmente na Justi\u00e7a Trabalhista ou de Fam\u00edlia.\u00a0<\/span><\/li><\/ul><\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-253619a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"253619a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7d0695a\" data-id=\"7d0695a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ad6f01e content-align-cta-center elementor-widget elementor-widget-eael-cta-box\" data-id=\"ad6f01e\" data-element_type=\"widget\" data-widget_type=\"eael-cta-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"eael-call-to-action cta-basic bg-lite cta-preset-1\">\n        <h3 class=\"title\">Quer se manter atualizado sobre seus direitos?<\/h3><p><p>Receba nossa newsletter<\/p><\/p><a href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjI3NCIsInRvZ2dsZSI6ZmFsc2V9\" class=\"cta-button  \">Cadastre-se<\/a>\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-452926f3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"452926f3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-40ae7c5\" data-id=\"40ae7c5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a38d229 elementor-widget elementor-widget-text-editor\" data-id=\"a38d229\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Como funciona o Sistema Financeiro de Habita\u00e7\u00e3o (SFH)<\/b><\/h2><p><span style=\"font-weight: 400;\">O SFH \u00e9 o sistema de financiamento imobili\u00e1rio obrigat\u00f3rio no caso do financiamento de im\u00f3veis com o FGTS. Todavia, a obrigatoriedade n\u00e3o \u00e9 um problema para o trabalhador, pois esse sistema possui uma das menores taxas de juros dispon\u00edveis no mercado<\/span><b>.\u00a0<\/b><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c5d138f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c5d138f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-309a43d\" data-id=\"309a43d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d79f784 elementor-widget elementor-widget-text-editor\" data-id=\"d79f784\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Quais os documentos necess\u00e1rios? <\/b><\/h2><p><span style=\"font-weight: 400;\">\u00c9 preciso apresentar documentos do trabalhador e documentos do im\u00f3vel pretendido:\u00a0<\/span><\/p><ul><li style=\"list-style-type: none;\"><ul><li style=\"list-style-type: none;\"><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Carteira de trabalho;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comprovante de resid\u00eancia;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Certid\u00e3o de nascimento ou casamento;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Carteira de identidade e CPF;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Certid\u00e3o de matr\u00edcula do im\u00f3vel;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">IPTU do im\u00f3vel.<\/span><\/li><\/ul><\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ec30554 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ec30554\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-429b946\" data-id=\"429b946\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c3770ed elementor-widget elementor-widget-text-editor\" data-id=\"c3770ed\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><b>Como \u00e9 realizada a solicita\u00e7\u00e3o do saque para a compra de um im\u00f3vel?\u00a0<\/b><\/p><p><span style=\"font-weight: 400;\">O primeiro passo \u00e9 verificar o saldo dispon\u00edvel em conta a fim de analisar as possibilidades:<\/span><\/p><ul><li style=\"list-style-type: none;\"><ul><li style=\"list-style-type: none;\"><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Atrav\u00e9s do site da Caixa, munido do n\u00famero de NIS (PIS\/PASEP) e senha (cadastre uma ou use a senha do seu Cart\u00e3o Cidad\u00e3o);<\/span><\/li><\/ul><\/li><\/ul><\/li><\/ul><ul><li style=\"list-style-type: none;\"><ul><li style=\"list-style-type: none;\"><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pelo aplicativo \u201cFGTS\u201d, dispon\u00edvel na App Store e Google Play;<\/span><\/li><\/ul><\/li><\/ul><\/li><\/ul><ul><li style=\"list-style-type: none;\"><ul><li style=\"list-style-type: none;\"><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Por SMS, ap\u00f3s realizar o cadastro gratuito no site da Caixa referente \u00e0s comunica\u00e7\u00f5es sobre saldo, extrato, dep\u00f3sito, corre\u00e7\u00f5es e saques na conta.<\/span><\/li><\/ul><\/li><\/ul><\/li><\/ul><ul><li style=\"list-style-type: none;\"><ul><li style=\"list-style-type: none;\"><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pessoalmente em uma ag\u00eancia da Caixa Econ\u00f4mica.\u00a0<\/span><\/li><\/ul><\/li><\/ul><\/li><\/ul><p><span style=\"font-weight: 400;\">Em seguida, \u00e9 preciso procurar um gerente banc\u00e1rio que ajude na pr\u00e9-aprova\u00e7\u00e3o de um financiamento imobili\u00e1rio dentro do sistema SFH.<\/span><\/p><p><span style=\"font-weight: 400;\">Com o cr\u00e9dito pr\u00e9-aprovado \u00e9 preciso escolher o im\u00f3vel ideal que atenda os requisitos e esteja regularizado. O im\u00f3vel precisa ter \u201cHabite-se\u201d e estar com registro do im\u00f3vel finalizado no cart\u00f3rio de im\u00f3veis da regi\u00e3o.<\/span><\/p><p><span style=\"font-weight: 400;\">Em seguida, o banco em que realizou a pr\u00e9-aprova\u00e7\u00e3o iniciar\u00e1 algumas etapas burocr\u00e1ticas que incluem a an\u00e1lise e aprova\u00e7\u00e3o dos documentos, e vistoria do im\u00f3vel.<\/span><\/p><p><span style=\"font-weight: 400;\">Tudo transcorrendo bem com a etapa documental, ser\u00e1 emitido o contrato de financiamento com os valores detalhados de pagamento, incluindo o valor correspondente ao FGTS.<\/span><\/p><p><span style=\"font-weight: 400;\">O registro do im\u00f3vel no cart\u00f3rio \u00e9 realizado antes da transfer\u00eancia financeira para o vendedor, mas assim que os registros forem finalizados, o pr\u00f3prio banco cuida do processo de saque e repassa o pagamento para o antigo propriet\u00e1rio.\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a9f7ecc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a9f7ecc\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b98b10b\" data-id=\"b98b10b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9342d90 elementor-widget elementor-widget-text-editor\" data-id=\"9342d90\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Quanto tempo demora?<\/b><\/h2><p><span style=\"font-weight: 400;\">Caso n\u00e3o haja pend\u00eancias documentais ou impedimentos relacionados aos requisitos, o FGTS \u00e9 liberado com prazo de 30 a 40 dias, diretamente para o vendedor, sem passar pela conta do comprador.\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ac1db3a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ac1db3a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-da21ab3\" data-id=\"da21ab3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-95bc95c elementor-widget elementor-widget-text-editor\" data-id=\"95bc95c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Posso usar o FGTS para comprar uma casa ou apartamento na planta?\u00a0<\/b><\/h2><p><span style=\"font-weight: 400;\">O financiamento imobili\u00e1rio com uso do FGTS n\u00e3o \u00e9 permitido para im\u00f3veis na planta, pois entre os requisitos a serem atendidos \u00e9 que o im\u00f3vel esteja pronto para morar e com registro p\u00fablico regular, o que n\u00e3o acontece no caso de um im\u00f3vel ainda em fase de constru\u00e7\u00e3o.<\/span><\/p><p>\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bf5cf20 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bf5cf20\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3abdeb5\" data-id=\"3abdeb5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-03d0250 elementor-widget elementor-widget-text-editor\" data-id=\"03d0250\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Posso usar o FGTS para reformar um im\u00f3vel?<\/b><\/h2><p><span style=\"font-weight: 400;\">A reforma n\u00e3o \u00e9 uma das possibilidades previstas em que o FGTS pode ser usado. O veto tamb\u00e9m se aplica para compra de im\u00f3veis para terceiros, im\u00f3veis comerciais ou materiais de constru\u00e7\u00e3o.\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-014bd6e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"014bd6e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d38b314\" data-id=\"d38b314\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b27fc0c elementor-widget elementor-widget-text-editor\" data-id=\"b27fc0c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Posso usar o FGTS para comprar um terreno?\u00a0<\/b><\/h2><p><span style=\"font-weight: 400;\">A compra do terreno nesta modalidade s\u00f3 \u00e9 permitida caso o comprador tamb\u00e9m realize o financiamento para constru\u00e7\u00e3o da casa. O financiamento tamb\u00e9m deve ser dentro do sistema SFH.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6da2b71 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6da2b71\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-67abc0b\" data-id=\"67abc0b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4aa1c88 elementor-widget elementor-widget-text-editor\" data-id=\"4aa1c88\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Posso usar o FGTS para comprar um segundo im\u00f3vel?<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/h2><p><span style=\"font-weight: 400;\">S\u00f3 \u00e9 poss\u00edvel caso o primeiro im\u00f3vel financiado esteja quitado, e desde que a segunda propriedade n\u00e3o esteja na mesma cidade que o primeiro.\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b26a359 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b26a359\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-db2dfcb\" data-id=\"db2dfcb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-858be7d elementor-widget elementor-widget-text-editor\" data-id=\"858be7d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Preciso usar todo o saldo do FGTS para a compra do im\u00f3vel?<\/b><\/h2><p><span style=\"font-weight: 400;\">N\u00e3o h\u00e1 impedimentos quanto a utiliza\u00e7\u00e3o parcial do saldo, basta informar ao banco respons\u00e1vel pelo financiamento qual o valor gostaria de utilizar para a transa\u00e7\u00e3o.\u00a0<\/span><\/p><h3>\u00a0<\/h3><h3>Voc\u00ea sabia que o saldo do seu FGTS poderia ser maior se n\u00e3o fossem as recorrentes perdas para a infla\u00e7\u00e3o?<\/h3><p>Desde 1999, quando o saldo passou a ser corrigido pela TR, foram poucas as vezes em que o reajuste rep\u00f4s as perdas com infla\u00e7\u00e3o.\u00a0<\/p><p>A a\u00e7\u00e3o de revis\u00e3o do FGTS pleiteia a substitui\u00e7\u00e3o da TR por outro fator mais pr\u00f3ximo da infla\u00e7\u00e3o, al\u00e9m do pagamento das perdas realizadas desde 1999.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-53260aa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"53260aa\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b28ebc9\" data-id=\"b28ebc9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f0cb980 elementor-widget elementor-widget-text-editor\" data-id=\"f0cb980\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Entenda mais detalhes sobre a\u00a0<a href=\"https:\/\/loitlegal.com.br\/blog\/o-que-e-revisao-do-fgts\/\" target=\"_blank\" rel=\"noopener\">a\u00e7\u00e3o de revis\u00e3o do FGTS<\/a>, e <a href=\"https:\/\/fgts.loitlegal.com.br\/\">calcule quanto voc\u00ea pode receber<\/a>.<\/p><p>LOIT. Seu por direito.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a07bf08 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a07bf08\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-917155d\" data-id=\"917155d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6d7fbcb elementor-widget elementor-widget-text-editor\" data-id=\"6d7fbcb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3>Veja tamb\u00e9m:<\/h3><p><a href=\"https:\/\/loitlegal.com.br\/blog\/posso-sacar-fgts-mesmo-trabalhando\/\" target=\"_blank\" rel=\"noopener\">Posso sacar meu FGTS mesmo trabalhando?<\/a><\/p><p><a href=\"https:\/\/loitlegal.com.br\/blog\/tenho-direito-ao-fgts-se-pedir-demissao\/\">Se eu pedir demiss\u00e3o, tenho direito ao FGTS?<\/a><\/p><p><a href=\"https:\/\/loitlegal.com.br\/blog\/inflacao-impacta-fgts\/\">Infla\u00e7\u00e3o: saiba como ela impacta o seu FGTS<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>No Brasil, \u00e9 permitido fazer o saque do saldo do FGTS em algumas hip\u00f3teses previstas em lei, tais como a compra de um im\u00f3vel, o acometimento de doen\u00e7as graves, decretamento de estado de calamidade p\u00fablica e t\u00e9rmino de contrato de trabalho sem justa causa. Nesse artigo falaremos um pouco sobre o uso do FGTS para [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1008,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false,"footnotes":""},"categories":[6],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>FGTS para comprar im\u00f3vel: esclare\u00e7a suas principais d\u00favidas - Blog da LOIT<\/title>\n<meta name=\"description\" content=\"Muitas s\u00e3o as d\u00favidas sobre o uso do FGTS para compra ou reforma de im\u00f3vel. Reunimos as mais frequentes e respondemos neste artigo.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/loitlegal.com.br\/blog\/fgts-para-comprar-imovel\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FGTS para comprar im\u00f3vel: esclare\u00e7a suas principais d\u00favidas - Blog da LOIT\" \/>\n<meta property=\"og:description\" content=\"Muitas s\u00e3o as d\u00favidas sobre o uso do FGTS para compra ou reforma de im\u00f3vel. 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