The basic interest rate (Selic) reached 11.75% in March, which ended up impacting the rise in mortgage loans. In this context, the Casa Verde e Amarela program, which has funding rates subsidized by the federal government, has the most opportunities for Brazilians. Thus, construction companies are offering unique conditions aimed at winning over customers in this economic segment, as they are already aware of the difficulties that high interest rates are imposing.
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The company Vitale, for example, took the decision to keep 70% of the units of the developments that fall under the housing program, which aim to guarantee that users have conditions to close business. Such properties will not suffer from the increase in financing rates, says the person responsible for the construction company's marketing, Fellipe Pedro.
— To facilitate the acquisition, we are dividing the entry into up to 44 installments, and the customer who purchases by the end of April will receive a biometric lock in their unit at no additional cost. Campaigns always help in closing the deal - informs.
Today, there are four novelties from the construction company with unique sales conditions:
Another construction company that is creating special conditions to facilitate the sale of properties is CAC Engenharia. Among them, the down payment in 60 installments, discounts of up to R$ 17,000 in the value of the development units and payment of ITBI expenses.
— Until last year, it was common for us to pay in 36 installments and we reached 48 installments only in extreme cases, so as not to lose the deal. Coverage of transfer tax (ITBI) and registration costs is a practice that we extend to all ventures included in Casa Verde and Amarela — says Vinícius Teles, regional manager for Niterói and São Gonçalo.
Avanço Realizações Imobiliárias, in turn, also created facilities that arouse the attention of the public that is suffering from the increase in the Selic rate. Those who wish to buy a house or apartment in the Now Plus development, which starts at R$ 419 thousand, you can apply for financing with Caixa after 6 months after closing the purchase with construction company.
— The great advantage is that the customer will only start paying the financing when the keys are handed over, and during the work he will only pay an administrative fee, which is much lower than the readjustments of a normal work flow — says the company, adding that the financing with a financial institution can be done in up to 420 months, depending on the evaluation and age of the buyer.
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