Your property is the key to the cheapest credit on the market
Also known as Credit with Real Estate Guarantee, it is the smartest credit modality for those who own assets.
In the United States and Europe, mortgaging the house to get cheap money is a common practice. In Brazil, we call it Home Equity or CGI (Credit with Real Estate Guarantee). The logic is simple: by offering a property (residential or commercial) as collateral for the operation, you reduce the financial institution's risk to practically zero. As a reward, the bank offers the lowest interest rates and the longest terms on the market.
Unlike real estate financing where the money is "tied" to the purchase of another asset, in Home Equity the resource is free. The money lands in your account and you do whatever you want with it: pay expensive debts, renovate, travel, invest in your company, or realize a consumption dream. It is the best way to make your assets "work" for you without having to sell them. You continue to live in or rent your property normally, while it guarantees access to transformative capital.
At Maximo Conceito, we work with several institutions that accept residential and commercial properties, and even lots in condominiums, including the possibility of composing income with family members to increase the approved credit limit.
Forget the 8% p.m. interest on overdraft or 4% p.m. on personal loans. In Home Equity, rates start from 0.99% p.m. + indexer, making the debt extremely healthy and payable.
You have up to 240 months (20 years) to pay. This dilutes the value of the installments, making them weigh very little on your monthly budget.
It is possible to raise up to 60% of your property's appraisal value. If you have a house worth R$ 1 million, you can get up to R$ 600,000 of credit in your account.
We do not need invoices or proof of destination. The money is deposited into your account and the decision on how to use it is 100% yours.
The property is alienated to the bank, but you maintain direct possession. Continue living, using, or renting. You just can't sell without paying off the debt first.
Depending on the partner bank's policy and the quality of the guarantee, it is possible to approve credit even with restrictions on the CPF, using part of the resource to clear the name.
Home Equity is the ideal solution for:
Quickly discover an estimate of your installment using your property as collateral.
See how Home Equity saves your pocket:
| Modality | Average Rate | Average Term | Estimated Portion |
|---|---|---|---|
| Overdraft | 8.0% p.m. | - | Infeasible |
| Personal Loan | 4.5% p.m. | 36 months | R$ 4,800.00 |
| Home Equity | 1.2% p.m. | 180 months | R$ 1,350.00 |
*Simulated values for comparative purposes only. Subject to credit analysis.
Not necessarily. If the outstanding balance is low (e.g., owe R$ 100,000 and it's worth R$ 500,000), we can do an "Intervening Quitter" operation: the new credit pays off the old debt and gives you the difference (change) in hand.
Yes. It is possible to use the property of parents, siblings, or partners as collateral, provided they agree to appear in the contract as "guarantors".
Basically the Updated Registry (Matrícula) and IPTU. The property must be regularized at the registry office (with Occupancy Permit recorded, if it is a house).
The process involves engineer evaluation and registration at the registry office. On average, from the start to money in the account, it takes 20 to 40 days.
You can. If you decide to sell the property during the contract, the buyer pays the outstanding balance to the bank to release the guarantee and pays the rest to you. It is a simple process.
Make your assets work for you with the lowest rates in Brazil.
Simulate Home EquityFree Evaluation.