1. How does real estate financing work?

To begin with, it is important to understand that real estate financing is one of the most common ways to acquire a property. Financial institutions generally ask for an initial deposit, which varies from 10% to 30% of the total value of the property, and finance the rest in installments. This is because the bank assumes part of the risk of the transaction and, to reduce this risk, requires the buyer to contribute an initial amount.

2. Is 100% financing possible?

Yes, in some very specific situations, financing 100% of the property value may be possible. This possibility, however, is not available at all financial institutions and depends on a number of factors. Below, we will discuss the main options that can allow this type of financing.

3. Housing programs that offer up to 100% financing

Some government programs, such as Minha Casa Minha Vida, facilitate full financing for low-income families. The goal is to increase access to housing and, in some cases, the down payment can be reduced or even eliminated, depending on the income bracket the buyer falls into. This type of financing is usually offered by Caixa Econômica Federal and is an alternative for those looking to buy a house without having a large down payment.

4. Private banks and credit unions

While banks like Itaú, Santander and Bradesco generally do not offer 100% financing, some customer profiles may have different conditions. For people with a good credit history and high payment capacity, it is possible to obtain financing for up to 90% or more of the property value, but the total financed is still usually below 100%. While banks like Itaú, Santander and Bradesco generally do not offer 100% financing, some customer profiles may have different conditions. For people with a good credit history and high payment capacity, it is possible to obtain financing for up to 90% or more of the property value, but the total financed is still usually below 100%.