Financing for construction with analysis in over 20 banks
Build or renovate your property with the best financing conditions in the market. Perspec will structure the ideal operation for your project with agile approval and competitive rates.
How credit for construction and renovation works
Simulation and Analysis
We evaluate your financial profile in several institutions to find the best conditions.
Proposal Structuring
Our specialists organize the income proof and necessary documents.
Project Evaluation
The bank carries out the engineering analysis of the architectural project and the work schedule.
Approval and Releases
Contract signing and start of financial releases according to work measurement.
Financing for construction or renovation operates differently from a conventional credit. The approved amount is not released all at once, but in tranches (installments) according to the physical evolution of the work, ensuring project control.
Types of works that can be financed
- Construction of residential properties
- Construction of commercial properties
- Structural renovations and major expansions
- Lot acquisition and construction in the same process
Requirements for approval
For the financial institution to approve construction financing, in addition to the client's credit analysis, the project must be regularized. Main requested documents:
- Land or lot registration
- Complete architectural project
- City Hall project approval
- Construction permit
- ART (Technical Responsibility Note) and RRT
Financial intelligence applied to civil construction
Perspec has vast experience in structuring credit for real estate projects. We understand the technical and documentary complexity of these operations.
Our work accelerates the approval process by connecting clients to banks that offer the most agile and least bureaucratic release flows.
Advantages of financing for construction
Extended terms
Payment in up to 240 months, diluting the financial impact of the work.
Financial efficiency
As releases are gradual, financial costs follow the work progress.
Freedom of design
Build the property perfectly formatted to your needs.
Individuals or Legal Entities
Credit available both to build your home and your business.
Turn plans into extraordinary achievements.
We offer a higher value-added service, delivering a complete credit viability study, guiding the client to close the financing with the institution that offers the best conditions.
FAQ — Financing for Construction
Yes. Several banks offer the 'Land Acquisition + Construction' modality, allowing you to buy the lot and finance the work in the same contract.
The credit is released in installments (tranches) after periodic measurements carried out by engineers accredited by the bank, confirming compliance with the physical-financial schedule.
Yes. The bank's engineering analysis requires the architectural project to be already approved by City Hall and have the corresponding permits and licenses.
Yes, it is possible to use FGTS for residential construction, provided the rules of the Housing Financial System (SFH) and other current policies of the fund's trustee council are followed.
Generally the rates are quite similar, however specific banks may apply small risk premiums during the construction phase. Perspec evaluates over 20 institutions to find the lowest total rate.