Smart credit using your property as collateral
Access significant capital volumes with the lowest market rates through Home Equity. Perspec structures operations of up to 240 months for individuals or legal entities.
How Perspec Home Equity works
Simulation and Strategy
We evaluate your profile and the property's profile to find the bank with the best adherence and rate.
Property Evaluation
An accredited engineer evaluates the market value of the property that will be given as collateral.
Formalization
Issuance and signature of the CCB (Bank Credit Note) and registration of fiduciary alienation at the Registry Office.
Fund Release
The full amount is deposited directly into your checking account for free use.
Home-backed credit is one of the cheapest credit lines in the country, as the bank holds the property as collateral (fiduciary alienation), radically reducing the operation's risk.
Strategic purposes of Home Equity
- Business and company expansion
- Working capital at reduced cost
- Settlement and restructuring of more expensive debts
- Renovations and asset modernization
- Investments and personal projects
Conditions and Types of Accepted Properties
The property remains in your name and you continue using it normally (living or renting). Only the fiduciary alienation restriction is averbed in the property's registration.
The process from approval to resource release takes, on average, between 15 and 45 days, depending on the speed of the Real Estate Registry Office.
Accepted types- Fully paid property or with small outstanding balance
- Residential (houses and apartments)
- Commercial (rooms, offices, sheds)
- Land within structured condominiums
Strategic advantages of Home Equity
Highly competitive conditions
Rates much lower than personal loans, overdrafts, or credit cards.
High volumes
Loans ranging from R$ 50 thousand to tens of millions of reais.
Extended terms
Up to 20 years to pay, relieving cash flow.
Total freedom
No mandatory specific allocation for the resource (free allocation).
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 — Home Equity
It's a loan modality where you use a fully or partially paid-off property as collateral for the operation, getting the lowest market interest rates and a long term for payment.
No. The property remains yours and can be used for housing or renting normally. It will only be noted in the registry that it is alienated to the bank until the end of the installment payments.
Yes. It's possible to do an operation called 'Interveniente Quitante' (IQ), where part of the new loan is used to pay off the property's outstanding balance, and the remainder is released to you.
Yes, it is possible to offer properties from family members or related companies, provided the property owners appear in the contract as guarantors.
It depends on both. The loan amount will be limited to a percentage of the property's appraised value (usually up to 60%), provided the installment does not exceed 30% of proven income.
Perspec Credit Solutions acts as a banking correspondent for the main financial institutions in the country. Approval, amounts, and terms are subject to credit and collateral analysis by partner institutions, according to Central Bank of Brazil regulations.