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29-07-2009 | Planning the purchase

Before seeking the property, we can determine how to separate each month for payment of installments. According to Joseph Arthur Asuncion, vice president of the National Association of Credit Institutions, Finance and Investment (ACREFA), the ideal is that the parcels do not exceed 30% of family income.

"The important thing is to make a proper planning for the provision will not tighten the budget and create a future problem", he says.

For those who do not have a very large financial reserves, the FGTS (Guarantee Fund for Length of Service) can be used to give input in the purchase of the property. The larger the entry, the lower the amount financed - which reduces the amount of interest paid at the end of the funding.

In addition to the monthly payments, most of the funding also requires the payment of installments intermediate, higher than the other. It is seeking funding in the value of the shares does not exceed the value of a salary. With this, you can plan to use 13 to make such salary payments.

Set the property to be purchased, attention to the contract: it must specify what will be used to fix the rates of payments. During the period of construction in general, is used in the National Index of Construction (INCC). After delivery of the keys, the correction will usually be made by the National Index of Consumer Prices (IPCA). If there is doubt, consult a lawyer.

The teacher recommends Paschoarelli simulate the benefits of financing. `It is very important the person is set to have no surprises", he says.

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