Turn your dream of owning your own property into reality, even with a negative credit history at SPC or Serasa.

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With online real estate financing, mortgage loan simulation and competitive interest ratesThousands of Brazilians have already secured fast approval and digital contracts with simplified analysis.

Who Can Benefit?

✅ CLT workersUse your FGTS (Brazilian employee severance fund) and take advantage of credit lines with reduced interest rates and extended terms.

✅ Self-employed and MEI (Micro Individual Entrepreneur)Verify your income with bank statements and gain access to... mortgage loan with analysis of current financial profile.

✅ NegativeFintechs and digital banks prioritize their payment capabilities and offer real estate refinancing and secured credit.

✅ InvestorsTake advantage of opportunities to off-plan properties, real estate consortium and financing with high potential for appreciation.

Why Has Online Mortgage Financing Changed the Game?

Digital platforms have revolutionized the mortgage with instant simulationFast approval and electronic signature. While traditional banks follow strict scoring criteria, fintechs analyze current income, stability, and growth potential.

The result? Pre-approved credit in up to 24 hours, affordable installments, and personalized conditions for purchasing an apartment, home, or commercial property.

Main Advantages of Digital Mortgage Loans

Finance up to 90% of the property value, with a deadline of up to 35 years to pay and the possibility of using FGTS (Brazilian employee severance fund) as a down payment.

Rely on banks and fintechs that offer reduced interest rate, loan portability and analysis of 100% online.

Perform a real estate financing simulationCompare CET (Total Effective Cost), choose the best rate, and proceed to digital signature with legal security.

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Frequently Asked Questions

Is it possible to obtain mortgage financing even with a negative credit score?
Yes, through some financial institutions that offer credit options for those with restrictions on their CPF (Brazilian taxpayer ID).
How does an online mortgage simulation work?
The online mortgage simulation allows you to enter your information and receive an estimate of how much you can finance and what the loan terms will be.
What are the advantages of obtaining a digital contract with simplified analysis?
The digital contract streamlines the loan approval and formalization process, making it faster and more practical. The simplified analysis facilitates credit approval.