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COMO CONSTRUIR CASA PARA VENDER FINANCIADA PELA CAIXA - Estratégia com e sem recursos próprios
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COMO CONSTRUIR CASA PARA VENDER FINANCIADA PELA CAIXA - Estratégia com e sem recursos próprios

Introduction to Real Estate Investment

This section introduces the profitability of real estate development and highlights the benefits of renovating houses for sale as a lucrative and simpler option compared to building new properties.

Incorporation in Real Estate Development

  • Renovating houses for sale is considered the most profitable stage in the real estate sector.
  • It is seen as a more secure and simpler option compared to constructing new buildings.
  • Many people believe that substantial capital is required to enter this market, but it is possible with little or no personal capital.

Opportunities for Entry

  • Opening a company or registering a CNPJ (Cadastro Nacional da Pessoa Jurídica) is not necessary initially.
  • Individuals who have saved some money and can prove their income can take advantage of an interesting opportunity in this field.

Example of Profitability

  • An example is given where a house can be constructed on a plot of land for less than 200,000 Brazilian Reais.
  • Once completed, the market value of the house would exceed 1,800,000 Brazilian Reais.
  • Even if someone does not have savings or cannot prove income, there are strategies available to take advantage of this opportunity without using personal resources.

Financing Options for Construction

This section discusses two financing programs offered by Caixa Econômica Federal (Brazilian bank) for construction projects. The first program covers land acquisition and construction costs, while the second program applies when you already own the land.

Program 1: Land Acquisition and Construction

  • Up to 80% of the total cost (land + construction) can be financed through this program.

Program 2: Construction on Owned Land

  • Up to 100% financing is available for construction costs if you already own the land.
  • Proof of income is required to access these funds from Caixa Econômica Federal.
  • These programs are only offered to individuals and require the property to have an individualized registration.

Limitations and Funding Sources

This section explains the limitations of the financing programs mentioned earlier and discusses the funding sources for these programs.

Limitations

  • The financing programs are specific to individual properties, such as single units or houses with individualized registrations.
  • Other types of properties like duplexes or multifamily homes do not qualify for these programs.

Funding Sources

  • The funding for these financing programs comes from savings accounts (poupança) and the FGTS (Fundo de Garantia do Tempo de Serviço).
  • Banks are required to allocate at least 65% of their savings account resources towards real estate financing, including these programs.

Availability of Funds

This section addresses concerns about the availability of funds for real estate financing.

Availability of Funds

  • Despite doubts about investing in savings accounts, there is over one trillion Brazilian Reais deposited in savings accounts by Brazilians.
  • Therefore, there is a significant amount of resources available for real estate financing.

Example Calculation

This section provides an example calculation to demonstrate how much can be financed through Caixa Econômica Federal's program based on the total cost of land and construction.

Example Calculation

  • Assuming a total cost of one million Brazilian Reais for land and construction, up to 80% (800,000 Brazilian Reais) can be financed through Caixa Econômica Federal.

Income Requirements

This section explains the income requirements for accessing financing through Caixa Econômica Federal's programs.

No Collateral Required

  • It is not necessary to use an existing property as collateral to access financing.
  • The main requirement is being able to prove income that is compatible with the amount to be financed.
  • The monthly installment of the financing should not exceed 30% of the gross family income.

Income Calculation Example

  • To finance 800,000 Brazilian Reais, a monthly income between 20,000 and 25,000 Brazilian Reais is required.
  • The actual amount may vary depending on interest rates and individual circumstances.

Additional Income Sources

This section discusses additional sources of income that can be considered when applying for financing.

Additional Income Sources

  • Proof of income can include payslips, tax returns from the previous year, or rental income from properties owned.
  • If the combined family income is insufficient, another person can be included in the application as long as their income contributes to at least 30% of the total gross family income.
  • It is also possible to bring in an investor or partner who can contribute to the project financially.

Using FGTS (Fundo de Garantia do Tempo de Serviço)

This section explains how funds from FGTS (Fundo de Garantia do Tempo de Serviço) can be used to reduce the initial investment required for financing.

Utilizing FGTS Funds

  • If someone has contributed to FGTS for more than three years and does not plan on using it for purchasing a primary residence, these funds can be utilized towards reducing the initial investment required for financing.

Timestamps are approximate and may vary slightly.

New Section

This section discusses the financing options provided by Caixa for construction projects. The Caixa bank offers to finance up to 80% of the project cost, with funds being released in stages as each phase of the construction is completed. There is also an option to anticipate the first two installments of the loan, which can help reduce initial capital exposure.

Financing Options and Construction Progress

  • Caixa bank provides financing for up to 80% of the construction project.
  • Funds are released in stages as each phase of the construction is completed.
  • Anticipating the first two installments of the loan can help reduce initial capital exposure.
  • The progress of the construction determines when funds are made available.
  • A trusted engineer fills out a spreadsheet that details completed phases and triggers fund release upon verification by a Caixa engineer.

New Section

This section explains how financing works during different stages of construction and highlights potential cost-saving strategies.

Financing and Cost-Saving Strategies

  • Financing is provided based on completed phases according to a pre-determined schedule.
  • Hiring a global price contractor can help reduce costs as they manage all aspects of construction.
  • By managing and executing the project directly, one can minimize personal capital investment.
  • Part of the funds allocated for construction covers payment to contractors, reducing personal expenses.

New Section

This section discusses how selling a house during its construction is possible through an intervenient quitter agreement. It also explains that if selling doesn't occur during construction, there are still opportunities post-construction.

Selling During Construction and Post-construction

  • It is possible to sell a house during its construction through an intervenient quitter agreement.
  • After completing necessary paperwork and finalizing construction, buyers pay the first installment of the loan.
  • The buyer can then apply for their own financing to pay off the remaining balance.
  • If the house is not sold during construction, it can still be sold post-construction after regularizing and finalizing all paperwork.
  • During construction, only interest payments and engineer measurements need to be paid until project completion.

New Section

This section emphasizes the advantages of low-interest rates for financing construction projects. It also mentions alternative options for those without personal capital or proof of income.

Low-interest Rates and Alternative Financing Options

  • Current interest rates for financing construction projects are attractive, ranging from 6% to 8% per year.
  • Even if interest rates are around 10%, they can still be viable due to the short duration of construction and sale cycles.
  • For individuals without personal capital or proof of income, presenting a proposal to an investor is an alternative option.
  • Investors who have available funds can partner with individuals managing the project, sharing profits or agreeing on a specific percentage split.

New Section

This section highlights that while financing is an important aspect of construction projects, there are other crucial factors to consider. It encourages viewers to learn negotiation skills, acquire suitable land, create accurate budgets, conduct feasibility studies, and effectively manage construction processes.

Other Considerations in Construction Projects

  • Financing is just one aspect; negotiating skills play a vital role in successful projects.
  • Acquiring suitable land and conducting accurate budgeting are essential steps in project planning.
  • Feasibility studies help determine whether a particular project location is viable or not.
  • Learning how to hire and manage contractors efficiently contributes to successful project execution.

Remember: Join live classes on YouTube every Monday at 8 PM (local time) for further guidance on entering the real estate development industry.

Video description

Construir para vender através de financiamento. É possível, é viável? Não só é possível como também muito viável. Aliás, construir para vender por meio de financiamento imobiliário nunca teve juros tão atrativos. (a depender de quando você está assistindo esse vídeo). Portanto, se você já é do mercado imobiliário ou pretende ingressar, e ainda não utiliza o financiamento imobiliário, recomendo que preste muita atenção neste vídeo, pois é essa é uma excelente opção. Independente de você ter ou não recursos próprios, ou mesmo, não quer tirar dinheiro do bolso, você pode utilizar essa estratégia para construir para vender. Logo, vale muito a pena você aproveitar esse momento para construir para vender. Quer aprender faturar construindo imóveis para vender, começando do zero? Clique no link abaixo: https://yt.comunidadedomus.com.br/con-4 E seja membro da maior comunidade de incorporadores do Brasil.