Are you looking for a real estate financing with reduced entry and that fits your budget? Then you've come to the right place.
In this article, we will show you real ways to buy your property with facilitated conditions, using programs such as judicial auctions, repossessed properties, public notices and initiatives by large banks.
Forget complicated processes and high requirements. There are affordable options that are often not prominently advertised by banks. And yes, some of them allow you to get started with just a 5% down payment or even no down payment, depending on the type of property and the method of acquisition.
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Banks with the best conditions for financing with low down payment
Several banks offer opportunities with special conditions, especially for foreclosed properties or those included in special campaigns. Here are the main ones:
- Caixa Econômica Federal: Properties repossessed for direct sale with down payment starting at 5% and use of FGTS.
- Santander: Special conditions for properties awarded with the possibility of paying the down payment in installments.
- Itaú Unibanco: Partnerships with auctions and public notices with facilitated entry programs.
- BTG Pactual: Digital portfolios with properties ready for direct negotiation, without intermediaries.
Three ways to buy your property with little money
1. Direct sale from Caixa
Caixa offers repossessed properties at below-appraised values. This option allows you to use your FGTS (Unemployment Fund), receive subsidies, and pay a reduced down payment.
- Ready-to-move-in properties;
- Minimum entry of 5%;
- Direct financing with Caixa;
- Online simulation available.
2. Judicial auctions with installment payments
Real estate auctions held by courts offer extremely advantageous conditions:
- Prices below market value;
- Payment in up to 60 interest-free installments in some cases;
- Online participation via official websites of judicial auctioneers.
3. Public or EMGEA properties
Properties linked to the Federal Government or entities such as EMGEA offer:
- Affordable prices;
- Simplified acquisition processes;
- Less requirement for traditional credit analysis;
- Possibility of direct negotiation with the agency.
Caixa financing simulator
Before taking the next step, it is essential to use the Caixa housing finance simulatorWith it, you can:
- Inform the value of the property;
- Simulate the value of the down payment and installments;
- Check the conditions of use of the FGTS;
- Compare terms and applicable interest rates.
Access the official Caixa simulator: www.caixa.gov.br
Where to find these opportunities?
These options aren't usually displayed on bank websites. To find them, follow these steps:
- Official websites of judicial auctions (TRF, TJ, accredited auctioneers);
- Direct sales pages for banks such as Caixa and Santander;
- Public notices on the websites of city halls or public companies such as EMGEA;
- Accredited brokers with access to awarded properties.
Tips for financing with a reduced down payment
- Use your FGTS as part of the entry;
- Choose properties with valuations below market value;
- Consider auctions as a first option;
- Have your personal documentation up to date;
- Seek guidance from brokers who work with social programs or public properties.
Traditional financing vs. alternatives with reduced down payment
| Criterion | Traditional Financing | Repossessed Properties / Auctions |
|---|---|---|
| Prohibited | 20% to 30% | From 5% |
| Fees | Banking standard | Possibility of exemption |
| Process | Traditional and bureaucratic | More direct and objective |
Conclusion: Opportunities exist — you just have to know where to look.
Buying a property with a low down payment is entirely possible, especially when you research the right options and learn about alternative programs to traditional credit. Auctions, repossessed properties, and direct sales platforms are legitimate and increasingly accessible options.
If you want to save on your down payment, negotiate better terms, and avoid bureaucracy, consider exploring these options before closing the deal.
Want to take the next step? Visit the Caixa Econômica Federal website, learn about housing simulator and see all the available options safely: