Veja o que é e como funciona a portabilidade de financiamento imobiliário

Com os principais juros atrelados a transações imobiliárias em baixas históricas, entender o que é como funciona a portabilidade de financiamento imobiliário se torna crucial. Muitas pessoas têm se interessado nessa possibilidade, sobretudo quem arcou com financiamentos com taxas altas em torno de 10% ao ano e agora vê a chance de virar esse jogo.

Se você ainda não sabe do que estamos falando mas quer compreender melhor, fique atento às informações a seguir. Vamos explicar tudo o que precisa saber para ter clareza nessa questão. Confira!

O que é e como funciona a portabilidade de financiamento imobiliário?

A portabilidade de financiamento imobiliário é uma forma de você renegociar o pagamento do empréstimo feito para compra de uma propriedade migrando essa dívida para outro banco. O novo banco irá quitar a parte que ainda está pendente com a instituição anterior e fazer essa portabilidade sob novas condições de financiamento.

Como há alguns anos, as taxas envolvidas em um financiamento imobiliário como o Índice de Preços ao Consumidor Amplo (IPCA) e a Taxa Referencial (TR) estiveram bastante altas e hoje caíram a baixas históricas, como 0% para TR e 2,54% ao ano para IPCA. Assim, diversos compradores se interessaram pela portabilidade de financiamento.

Porém, esses parâmetros são apenas nominais, ou seja, não são as únicas taxas que estão envolvidas em um empréstimo bancário e você deve se cercar do máximo de informações possíveis antes de portar seu financiamento. A seguir, vamos detalhar melhor porque estamos dizendo isso. Prossiga com a leitura para aprender mais.

Como funciona e quem pode fazer o pedido de portabilidade de financiamento imobiliário?

Bom, para fazer a portabilidade é necessário que você vá até uma agência bancária da instituição financeira escolhida a fim de checar quais são as condições oferecidas. Em linhas gerais, o primeiro passo é apresentar sua dívida para então obter uma nova proposta com juros mais atrativos.

Depois disso, se o banco demonstra interesse em assumir seu financiamento, ele entrará em contato com a instituição anterior e tentará negociar a dívida para que possa portá-la sob novas condições. O que acontece é que, como os empréstimos bancários são relações de longo prazo que as instituições estabelecem com seus clientes, se torna necessário que o novo banco faça uma contraproposta a fim de concluir essa negociação com sucesso.

Caso essa contraproposta seja aceita, então o banco que agora você está interessado poderá te ofertar a portabilidade. Mesmo que ela seja vantajosa em relação aos juros nominais — como no caso da TR que se encontra em 0% ao ano —, você deve estar atento a outros detalhes envolvidos nessa questão.

O primeiro deles tem a ver com a cobrança de R$3.100,00 que os bancos costumam fazer para avaliar o imóvel que está sendo financiado. Além disso, gastos com papelada e toda a burocracia envolvida em uma transação imobiliária estarão também por sua conta. Considere ainda que é de praxe de instituições financeiras cobrarem taxas diversas pelo empréstimo que vão além simplesmente dos juros nominais.

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O segredo aqui é exigir transparência em todo o processo e, antes de fechar qualquer acordo, verificar o quanto você estará pagando de fato. Infelizmente, é muito comum as pessoas se deslumbrarem com os juros nominais e esquecer de outros valores embutidos que podem encarecer bastante o empréstimo, sobretudo a longo prazo, como costuma acontecer na compra de um imóvel. Cuide bem disso para que possa se sair bem nesse processo.

Quando é vantajoso fazer a portabilidade?

Um ponto sobre essa questão é certo e básico: só vale a pena fazer a portabilidade se você realmente pagar menos ao final do financiamento. Se não, qual o sentido de portar se pagará o mesmo tanto ou até mais quando a dívida for totalmente quitada?

Por exemplo, se você já pagou a maior parte do imóvel e agora na reta final quer experimentar a portabilidade de financiamento imobiliário, existe uma boa chance de que essa não seja a melhor opção. Seja pelo tempo gasto ou até mesmo pelos recursos envolvidos na transação, todo esse esforço não valerá a pena e você só estará se complicando de forma desnecessária.

Outro quesito são os juros nominais. Tudo bem que a TR hoje se encontra nula, mas o IPCA é um índice facilmente impactado pela inflação. Ainda que não existam projeções de o Brasil sofrer novamente um período de alta inflação como foi no final dos anos 1980, assumir o risco de se endividar nessa taxa a longo prazo é um tanto quanto imprevisível. Situações podem mudar e se você não quitar um financiamento atrelado ao IPCA logo, pode ter que pagar muito mais do que estava previsto.

No momento atual, os bancos querem atrair mais clientes e a portabilidade de financiamento imobiliário é uma das grandes estratégias para isso. Então, considere que essas instituições podem no futuro mudar suas abordagens, migrando da TR para IPCA, por exemplo. Nesses casos, quem sairá perdendo é o comprador, já que a TR que hoje é nula estaria sendo mudada para um índice que é impactado pela inflação, conforme explicamos no parágrafo anterior.

Por fim, o que você pode fazer para se proteger de ciladas e utilizar essa oportunidade de forma vantajosa é se cercar de informações e exigir transparência por parte do banco antes de assinar o contrato.

Nós já dissemos isso antes e vale frisar de novo: empréstimos bancários para transações imobiliárias são relações de longo prazo entre banco e cliente. Não assuma nenhum empréstimo se não tiver colocado na ponta do lápis tudo o que gastará durante todo esse percurso. Só assim terá a segurança e a tranquilidade necessária para fazer a escolha certa.

Agora que tem as informações que precisava, conseguirá aproveitar as melhores chances que a portabilidade oferece a você como comprador. Aproveite disso para dar um passo a frente e encontrar as melhores condições para sua aquisição.

Se gostou de saber o que é e como funciona a portabilidade de financiamento imobiliário, compartilhe esse post nas redes sociais. Mais pessoas precisam entender isso a fim de agirem com sabedoria na hora de financiar um imóvel.

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