Real estate financing with analysis in over 20 banks
Perspec connects you to the best real estate financing conditions in the market through a platform that compares several financial institutions to find the most assertive approval for your profile.
How the financing process works
Smart simulation
You provide some basic data and our platform analyzes your financial profile.
Comparison between banks
Our system consults more than 20 financial institutions to identify the best options available.
Approval strategy
Experts structure the proposal with the highest potential for approval.
Complete monitoring
Perspec follows the process until final approval and contract signing.
Real Estate Financing Modalities
In the Brazilian real estate market, there are two main financing modalities used by banks. Each has its own framework rules, value limits, and rate conditions.
SFH — Housing Financial System
The Housing Financial System is the most traditional modality of real estate financing in Brazil.
Characteristics- Indicated for lower-value properties, within the established limit
- Possibility of using FGTS for down payment or amortization
- Generally more regulated and competitive rates
SFI — Real Estate Financing System
The Real Estate Financing System was created to expand access to real estate credit outside the limitations of the SFH.
Characteristics- Indicated for higher-value properties
- More flexible financing conditions
- Can be used for different types of properties
Types of Amortization System
SAC — Constant Amortization System
Installments start higher and decrease over time. Amortization of the outstanding balance occurs constantly.
Price Table
More stable installments throughout the contract. Greater predictability in financial planning.
"Each client has a different financial reality. That's why at Perspec we analyze all available financing modalities and amortization systems to find the structure that best fits the client's budget and financial planning."
Solutions for different real estate goals
- Purchase of new property
- Purchase of used property
- Acquisition of property off-plan
- Construction
- Change of financing for better conditions
Financial intelligence applied to financing
Perspec acts as a specialized consultancy in real estate credit, using technology and strategic analysis to connect clients to the best financing conditions available in the market.
Our system allows you to compare more than 20 banks in a single analysis, increasing efficiency in the search for approval and competitive conditions.
Why seek financing through Perspec
Comparison between several banks
Simultaneous analysis of more than 20 financial institutions, expanding the opportunities to find better conditions.
More efficiency in approval
Strategic structuring of the proposal based on the client's financial profile.
Time saving
You don't need to search bank by bank. Perspec centralizes all the analysis.
Specialized monitoring
Support during all stages of financing.
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 — Real Estate Credit
When requesting financing through Perspec, your profile is analyzed in more than 20 financial institutions simultaneously, allowing you to identify which bank has the best conditions and highest probability of approval for your profile.
The financed amount depends on factors such as income, property value, and bank credit policies. In many cases, it's possible to finance up to 80% of the property value, subject to analysis by the financial institution.
Terms can reach up to 35 years, depending on the bank and the client's financial profile analysis.
Yes. Financing can be used for new, used, or off-plan properties, provided they are with regularized documentation for analysis.
Credit approval is within 24 hours. The entire process timeframe may vary depending on documentation and the chosen bank, but generally the full process can take between 20 and 45 days.