CAIXA LANÇA LINHA DE CRÉDITO IMOBILIÁRIO CORRIGIDA PELA POUPANÇA

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A Caixa Econômica Federal anunciou ontem (25) uma nova linha de crédito com juros ligados à remuneração da poupança, mais um percentual variável. As contratações pela novo método começam no próximo dia 1º de março.
A linha fica disponível para modalidades de imóveis novos, usados, construção e reforma. O prazo máximo é de 420 meses (35 anos), com quota de até 80%. É permitida portabilidade de financiamento realizado com outros bancos.
O banco deu detalhes em apresentação com o presidente Pedro Guimarães pela internet. A equação é composta por: Taxa Referencial de Juros (TR) + rendimento da poupança + taxa fixa de relacionamento.
A rentabilidade da poupança é ligada ao percentual de juros da taxa Selic. Quando os juros básicos do país estão abaixo dos 8,5% ao ano, a poupança tem rendimento equivalente a 70% dessa taxa. Com a Selic em em 2% ao ano, a poupança remunera 1,4% no período.
A taxa fixa, por sua vez, foi estabelecida de acordo com o grau de relacionamento do cliente com a Caixa, em patamar que vai de 3,35% a 3,99% ao ano. A TR, hoje, está zerada.
A Caixa afirma, portanto, que os financiamentos ficam com taxas finais de 4,75% a 5,3%9 ao ano.
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