Usucapião de Bens Imóveis

Imagem
A usucapião imobiliária é uma espécie de aquisição originaria de propriedade imóvel, em decorrência de uma posse do bem por determinado lapso temporal, que pode variar, em regra, entre 2 e 15 anos. Tal instrumento do direito material tem suas bases no princípio da função social da propriedade, que tem o intuito que o imóvel seja destinado à melhor atender o asseios da sociedade. Todavia, tal demanda se apresenta um tanto quanto complexa, diante dos vários requisitos que se fazem necessários para a sua concretização. Requisitos para a usucapião podem sofrer alterações devido as várias alternativas legais para pleitear tal direito. Sendo essências à todas as modalidades o animus domini ( intenção de ser dono do imóve l ); posse mansa e pacifica ( a posse de todo o período aquisitivo do direito à usucapião não pode sofre qualquer oposição do proprietário do bem à ser usucapido ); Posse continua e duradoura pelo prazo que varia entre 2 e 15 anos ( a posse não poderá sofrer qual...
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View Listing financing simulations with the new box interest



Caixa increased the interest to obtain the home, was high after the bank decided to re-finance 70% of the property.

Finance a home with funds from Caixa Econômica Federal savings became more expensive because the interest rate financing rose sharply.

With the new increase, Caixa fee for non-customers rose from 9.9% to 11% for the purchase of real estate by the Housing Financial System (SFH). As for the Real Estate Financing System (SFI), with properties over $ 750,000, the rate for non-customers rose from 11.5% to 12.5% ​​per annum.

Check out, as the consumer will pay more in financing of R $ 300,000 and R $ 750,000, according to simulations made by the executive director of economic studies and research of the National Association of Executives in Finance, Administration and Accounting (Anefac) Miguel José Ribeiro de Oliveira.

The exercises show that the monthly installment of a loan in the amount of R $ 300,000 will rise over $ 200 In the case of a loan in the amount of R $ 750,000, the provision will increase over R $ 1,000.

The simulations take into account the following changes:


SFH - Residential Real Estate: • counter Rate: it was 9.9% per year and is now at 11.22% per year • Relationship: was 9.8% per year and is now at 11% per year • Relationship (more salary): was 9.5% per year and is now at 10.5% per year • Server (with relationship): was 9.5% per year and is now at 10.5% per year • Server (with relationship and salary): it was 9.3% per year and is now 10%

SFI - Residential Real Estate: • counter Rate: was 11.5% per year and is now at 12.5% ​​per year • Relationship: was 11.2% per year and is now 12% • Relationship (more salary): it was 11% per year and is now at 11.5% per year • Server (with relationship): it was 11% per year and is now at 11.5% per year • Server (with relationship and salary): it was 10.5 % per year and is now 11%

1) Financing Simulation of R $ 300,000 by SFH by Price table


• counter Rate: 9.9% to 11.22% - Before: 360 monthly installments of R $ 2,518.19 to R $ 906.548,40.- Now: 360 monthly installments of R $ 2,784.67 to R $ 1.002.481,20.Aumento R $ 266.48 in the provision and R $ 95,932.80 in total financing.

• Relationship: 9.80% to 11% - Before: 360 monthly installments of R $ 2,491.98 to R $ 897.112,80.- Now: 360 monthly installments of R $ 2,730.77 to R $ 983,077.20 .Aumento R $ 238.79 in the provision and R $ 85,964.40 in total financing.

• Relationship (more salary): from 9.5% to 10.5% - Before: 360 monthly installments of R $ 2,439.82 to R $ 878.335,20.- Now: 360 monthly installments of R $ 2,650.47, R $ 954.169,20.Aumento R $ 210.65 in the provision and R $ 75,834.00 in total financing.

• Server (with relationship): 9.5% to 10.5% - Before: 360 monthly installments of R $ 2,439.82 to R $ 878.335,20.- Now: 360 monthly installments of R $ 2,650.47, R $ 954.169,20.Aumento R $ 210.65 in the provision and R $ 75,834.00 in total financing.

• Server (with relationship and salary): from 9.3% to 10% - Before: 360 monthly installments of R $ 2,388.01 to R $ 859.683,60.- Now: 360 monthly installments of R $ 2,544.48, R $ 916,012.80.

2) Financing Simulation of R $ 750,000 From Table PRICE at SFI


• counter rate: from 11.5% to 12.5% ​​- Before: 360 monthly installments of R $ 6,626.17 to R $ 2.385.421,20.- Now: 360 monthly installments of R $ 7,645.39, R $ 2.752.340,40.Aumento R $ 1,019.22 in the provision and R $ 366,919.20 in total financing.

• Relationship: from 11.2% to 12% - Before: 360 monthly installments of R $ 6,961.67 to R $ 2.506.201,10.- Now: 360 monthly installments of R $ 7,370.01 to R $ 2,653 .203,60.Aumento R $ 408.23 in the provision and R $ 147,002.50 in total financing.

• Relationship (more salary): 11% to 11.5% - Before: 360 monthly installments of R $ 6,826.92 to R $ 2.457.691,20.- Now: 360 monthly installments of R $ 7,097.12, R $ 2.554.963,20.Aumento R $ 270.20 in the provision and R $ 97,272.00 in total financing.

• Server (with relationship): from 11% to 11.5% - Before: 360 monthly installments of R $ 6,826.92 to R $ 2.457.691,20.- Now: 360 monthly installments of R $ 7,097.12, R $ 2.554.963,20.Aumento R $ 270.20 in the provision and R $ 97,272.00 in total financing.

• Server (with relationship and salary): 10.5% to 11% - Before: 360 monthly installments of R $ 6,626.17 to R $ 2.385.421,20.- Now: 360 monthly installments of R $ 6,826, 92, totaling R $ 2.457.691,20.Aumento R $ 200.75 in the provision and R $ 72,270.00 in total financing.

3) Financing Simulation of R $ 300,000 for amortization system Sac- by SFH


• counter rate: from 11.5% to 12.5% ​​- Before: 360 monthly installments, the first in the amount of R $ 3,708.33 and the latter in the amount of R $ 841.32 to R $ 818,937, 50.- Now: 360 monthly installments, the first in the amount of R $ 3,958.33 and the latter in the amount of R $ 842.01 to R $ 864.062,50.Aumento of R $ 250,00 in providing and R $ 45,125.00 in total financing.

• Relationship: from 11.2% to 12% - Before: 360 monthly installments, the first in the amount of R $ 3,633.33 and the latter in the amount of R $ 841.11 to R $ 805.400,00.- Now : 360 monthly installments, the first in the amount of R $ 3,833.33 and the latter in the amount of R $ 841.67 to R $ 841.500,00.Aumento R $ 200.00 in the provision and R $ 36,100, 00 in total financing.

• Relationship (more salary): 11% to 11.5% - Before: 360 monthly installments, the first in the amount of R $ 3,583.33 and the latter in the amount of R $ 840.97 to R $ 796,375, 00.- Now: 360 monthly installments, the first in the amount of R $ 3,708.33 and the latter in the amount of R $ 841.32 to R $ 818.937,50.Aumento R $ 125.00 in the provision and R $ 22,562.50 in total financing.

• Server (with relationship): from 11% to 11.5% - Before: 360 monthly installments, the first in the amount of R $ 3,583.33 and the latter in the amount of R $ 840.97 to R $ 796,375, 00.- Now: 360 monthly installments, the first in the amount of R $ 3,708.33 and the latter in the amount of R $ 841.32 to R $ 818.937,50.Aumento R $ 125.00 in the provision and R $ 22,562.50 in total financing.

• Server (with relationship and salary): 10.5% to 11% - Before: 360 monthly installments, the first in the amount of R $ 3,458.33 and the latter in the amount of R $ 840.63 to R $ 773.812,50.- Now: 360 monthly installments, the first in the amount of R $ 3,583.33 and the latter in the amount of R $ 840.97 to R $ 796.375,00.Aumento R $ 125.00 in providing and R $ 22,562.50 in total financing.

4) Financing of R $ 750,000 by the SAC Amortization System - at SFI


• counter rate: it was 11.5% to 12.5% ​​- Before: 360 monthly installments, the first of R $ 9,279.83 and the latter in the amount of R $ 2,103.30 to R $ 2,047,343 , 75.- Now: 360 monthly installments, the first of R $ 9,895.83 and the latter in the amount of R $ 2,105.03 to R $ 2.160.156,25.Aumento R $ 616.00 in providing and R $ 112,812.50 in total financing.

• Relationship: was 11.2% to 12% - Before: 360 monthly installments, the first of R $ 9,083.33 and the latter in the amount of R $ 2,102.78 to R $ 2.013.500,00.- now: 360 monthly installments, the first of R $ 9,585.33 and the latter in the amount of R $ 2,104.17 to R $ 2.103.750,00.Aumento R $ 502.00 in the provision and R $ 90,250.00 in total funding.

• Relationship (more salary): it was 11% to 11.5% - Before: 360 monthly installments, the first of R $ 8,958.33 and the latter in the amount of R $ 2,102.43 to R $ 1,990,937 , 50.- Now: 360 monthly installments, the first of R $ 9,270.83 and the latter in the amount of R $ 2,103.30 to R $ 2.047.343,75.Aumento R $ 312.50 in providing and R $ 56,406.25 in total financing.

• Server (with relationship): it was 11% to 11.5% - Before: 360 monthly installments, the first of R $ 8,958.33 and the latter in the amount of R $ 2,102.43 to R $ 1,990,937 , 50.- Now: 360 monthly installments, the first of R $ 9,270.83 and the latter in the amount of R $ 2,103.30 to R $ 2.047.343,75.Aumento R $ 312.50 in providing and R $ 56,406.25 in total financing.

• Server (with relationship and salary): it was 10.5% to 11% - Before: 360 monthly installments, the first of R $ 8,645.83 and the latter in the amount of R $ 2,101.56 to R $ 1,934 .531,25.- Now: 360 monthly installments, the first of R $ 8,958.33 and the latter in the amount of R $ 2,102.43 to R $ 1.990.937,50.Aumento R $ 312.50 the provision and R $ 56,406.25 in total financing.


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