muitas vezes temida, entenda como ela (de fato) funciona

Você sabia que a sua propriedade pode ajudá-lo a obter crédito com condições mais vantajosas? Uma das possibilidades está associada à hipoteca de imóvel.

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A hipoteca é uma modalidade de crédito em que o imóvel serve como garantia para obter, em troca, um empréstimo com juros menores e prazos mais longos.

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Ao hipotecar uma casa, por exemplo, o proprietário oferece essa propriedade como garantia de que ele pagará as prestações do empréstimo tomado.

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Nessa modalidade, o imóvel não sofre alienação fiduciária. Logo, a propriedade permanece em seu nome, mas, se a dívida com a instituição não for paga, o bem pode ser tomado.

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Outro risco é que o empréstimo só prescreve após 30 anos, contados a partir do contrato firmado. Logo, não cumprir as condições previstas pode afetar negativamente o seu histórico financeiro.

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Saiba mais sobre a hipoteca na matéria do Portal Loft!