Marriage represents the union of a new family and, consequently, the creation of a new home. In this sense, the need to organize a space to follow the couple’s plans is an almost natural movement, do not you agree?
The detail is that financial health is not always in line with these expectations. It is where funding comes into the lives of most newlyweds. But is financing a property before marriage even the best option? Here’s how to make a good deal for your future!
Planning for the new life
The transition from single to married life brings new commitments that require much planning. Previously in this context, an individualized way became a matter of interest to both. For this to happen, information sharing and commitment to transparency are essential.
Among the investments of the first urgency is, of course, the purchase of the house itself. Therefore, once the couple recognizes that it is time to put together the toothbrushes, anticipating financing that allows housing acquisition becomes timely. Consequently, it is necessary to draw up a plan involving the analysis of all possibilities, budgets, and other details that may interfere with realizing this dream.
Possibility of the purchase at the plant
The couple who opts for a pre-wedding mortgage may plan to buy an apartment still on the floor or already under construction if the expected date of delivery approaches the wedding season. It is good to have at least six more months to cover any unforeseen with the work.
And you can believe this is a choice that usually facilitates the acquisition. After all, installments of real estate under construction or construction tend to be easier to pay because at least the beginning is managed by the developer, financing only the balance due. With this, this option becomes feasible for many couples.
Acquisition of real estate ready
The most exciting option when trying to avoid risk is acquiring a new property, ready to be occupied. In this way, the newlyweds will guarantee that access to housing will be immediate as soon as the union takes place; save on the budget by not renting: this is a worthy goal for starting a new life, do you not think? If it smells again, then better yet!
Investment in equity
One thing is sure: the money that goes to your rent will never return. On the other hand, the funds intended to pay the installments of a real estate loan will be converted into solid equity, representing a very significant achievement for the couple. Not to mention that the beginning of life to 2 is much more pleasurable occupying its property than dealing with a lease.
Income composition
Even without being married, the couple can already jointly assume the financing of the property with the bank. Thus, both can compose the income the financial institution requires to release the credit and may also use their FGTS balances as part of the payment. With this, the financed portion may be smaller, making the acquisition process much more manageable.
Interest accrued
Before or after the marriage, the couple must consider the high-interest rates charged by banks, a factor of extreme relevance for those who acquire real estate financing. These rates vary depending on the type of financing, whether by the Housing Finance System (SFH), the Financial Real Estate System (SFI), and according to the bank where it made the loan.
Real estate consortium
A great alternative to bank financing that it can also consider before marriage is the real estate consortium. As there is no interest charge on the consortium’s installments, the final cost of the house or apartment purchased through this system is lower than if it made the payment with money borrowed by the bank.
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