{"id":10086,"date":"2022-06-24T11:19:11","date_gmt":"2022-06-24T14:19:11","guid":{"rendered":"https:\/\/siteshom.goias.gov.br\/agehab\/perguntas-e-respostas-frequentes-sobre-casas-a-custo-zero\/"},"modified":"2025-06-17T13:43:16","modified_gmt":"2025-06-17T16:43:16","slug":"perguntas-e-respostas-frequentes-sobre-credito-parceria","status":"publish","type":"post","link":"https:\/\/goias.gov.br\/agehab\/perguntas-e-respostas-frequentes-sobre-credito-parceria\/","title":{"rendered":"Perguntas e Respostas Frequentes &#8211; Sobre Cr\u00e9dito Parceria &#8211; Financiamento"},"content":{"rendered":"<h3 data-start=\"152\" data-end=\"233\">\ud83d\udca1 <strong data-start=\"159\" data-end=\"233\">Como funciona o Cr\u00e9dito Parceria \u2013 Casas com Financiamento Subsidiado?<\/strong><\/h3>\n<ul data-start=\"235\" data-end=\"789\">\n<li data-start=\"235\" data-end=\"402\">\n<p data-start=\"237\" data-end=\"402\">\u00c9 um <strong data-start=\"242\" data-end=\"274\">subs\u00eddio de at\u00e9 R$ 47.400,00<\/strong> oferecido pelo <strong data-start=\"290\" data-end=\"310\">Governo de Goi\u00e1s<\/strong>, por meio da AGEHAB, para ajudar na entrada ou no valor total do financiamento do im\u00f3vel.<\/p>\n<\/li>\n<li data-start=\"403\" data-end=\"473\">\n<p data-start=\"405\" data-end=\"473\">O restante do valor \u00e9 <strong data-start=\"427\" data-end=\"470\">financiado pela Caixa Econ\u00f4mica Federal<\/strong>.<\/p>\n<\/li>\n<li data-start=\"474\" data-end=\"571\">\n<p data-start=\"476\" data-end=\"571\">O subs\u00eddio estadual \u00e9 <strong data-start=\"498\" data-end=\"548\">acumulado com o programa Minha Casa Minha Vida<\/strong>, do Governo Federal.<\/p>\n<\/li>\n<li data-start=\"572\" data-end=\"789\">\n<p data-start=\"574\" data-end=\"789\">O objetivo da modalidade <strong data-start=\"599\" data-end=\"619\">Cr\u00e9dito Parceria<\/strong>, do Programa <strong data-start=\"633\" data-end=\"655\">Pra Ter Onde Morar<\/strong>, \u00e9 <strong data-start=\"659\" data-end=\"696\">facilitar o acesso \u00e0 casa pr\u00f3pria<\/strong> para fam\u00edlias que t\u00eam condi\u00e7\u00f5es de pagar um financiamento, desde que com parcelas reduzidas.<\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"791\" data-end=\"794\" \/>\n<h3 data-start=\"796\" data-end=\"846\">\u2705 <strong data-start=\"802\" data-end=\"846\">Quais s\u00e3o os requisitos para participar?<\/strong><\/h3>\n<p data-start=\"848\" data-end=\"918\">Para se inscrever, a fam\u00edlia deve atender a todos os crit\u00e9rios abaixo:<\/p>\n<ul data-start=\"920\" data-end=\"1199\">\n<li data-start=\"920\" data-end=\"973\">\n<p data-start=\"922\" data-end=\"973\">Ter <strong data-start=\"926\" data-end=\"970\">renda familiar de at\u00e9 3 sal\u00e1rios m\u00ednimos<\/strong>;<\/p>\n<\/li>\n<li data-start=\"974\" data-end=\"1062\">\n<p data-start=\"976\" data-end=\"1062\"><strong data-start=\"976\" data-end=\"998\">N\u00e3o possuir im\u00f3vel<\/strong> e <strong data-start=\"1001\" data-end=\"1031\">nunca ter sido beneficiada<\/strong> por programas habitacionais;<\/p>\n<\/li>\n<li data-start=\"1063\" data-end=\"1119\">\n<p data-start=\"1065\" data-end=\"1119\">Ter <strong data-start=\"1069\" data-end=\"1097\">pelo menos 2 integrantes<\/strong> no n\u00facleo familiar;<\/p>\n<\/li>\n<li data-start=\"1120\" data-end=\"1199\">\n<p data-start=\"1122\" data-end=\"1199\">Ter o <strong data-start=\"1128\" data-end=\"1160\">cadastro aprovado pela Caixa<\/strong> para o financiamento do saldo devedor.<\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"1201\" data-end=\"1204\" \/>\n<h3 data-start=\"1206\" data-end=\"1271\">\ud83d\udcb5 <strong data-start=\"1213\" data-end=\"1271\">Qual o valor das parcelas do financiamento pela Caixa?<\/strong><\/h3>\n<ul data-start=\"1273\" data-end=\"1762\">\n<li data-start=\"1273\" data-end=\"1400\">\n<p data-start=\"1275\" data-end=\"1340\">As parcelas come\u00e7am <strong data-start=\"1295\" data-end=\"1320\">a partir de R$ 340,00<\/strong>, variando conforme:<\/p>\n<ul data-start=\"1343\" data-end=\"1400\">\n<li data-start=\"1343\" data-end=\"1360\">\n<p data-start=\"1345\" data-end=\"1360\">Renda familiar,<\/p>\n<\/li>\n<li data-start=\"1363\" data-end=\"1371\">\n<p data-start=\"1365\" data-end=\"1371\">Idade,<\/p>\n<\/li>\n<li data-start=\"1374\" data-end=\"1400\">\n<p data-start=\"1376\" data-end=\"1400\">N\u00famero de dependentes.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li data-start=\"1401\" data-end=\"1493\">\n<p data-start=\"1403\" data-end=\"1493\">O benefici\u00e1rio <strong data-start=\"1418\" data-end=\"1461\">pode comprometer no m\u00e1ximo 30% da renda<\/strong> com o pagamento da presta\u00e7\u00e3o.<\/p>\n<\/li>\n<li data-start=\"1494\" data-end=\"1570\">\n<p data-start=\"1496\" data-end=\"1570\">O financiamento come\u00e7a a ser pago <strong data-start=\"1530\" data-end=\"1567\">somente ap\u00f3s a entrega das chaves<\/strong>.<\/p>\n<\/li>\n<li data-start=\"1571\" data-end=\"1762\">\n<p data-start=\"1573\" data-end=\"1635\">Durante a constru\u00e7\u00e3o do im\u00f3vel, o benefici\u00e1rio deve arcar com:<\/p>\n<ul data-start=\"1638\" data-end=\"1762\">\n<li data-start=\"1638\" data-end=\"1660\">\n<p data-start=\"1640\" data-end=\"1660\">Entrada (se houver),<\/p>\n<\/li>\n<li data-start=\"1663\" data-end=\"1711\">\n<p data-start=\"1665\" data-end=\"1711\"><strong data-start=\"1665\" data-end=\"1701\">Juros de obra (evolu\u00e7\u00e3o de obra)<\/strong> da Caixa,<\/p>\n<\/li>\n<li data-start=\"1714\" data-end=\"1762\">\n<p data-start=\"1716\" data-end=\"1762\">Taxas de legaliza\u00e7\u00e3o, <strong data-start=\"1738\" data-end=\"1750\">cart\u00f3rio<\/strong> e impostos.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p data-start=\"1764\" data-end=\"1879\">\ud83d\udea8 <strong data-start=\"1767\" data-end=\"1782\">Importante:<\/strong> Para conseguir o financiamento, \u00e9 necess\u00e1rio <strong data-start=\"1828\" data-end=\"1854\">estar com o nome limpo<\/strong> (sem restri\u00e7\u00f5es no CPF).<\/p>\n<hr data-start=\"1881\" data-end=\"1884\" \/>\n<h3 data-start=\"1886\" data-end=\"1940\">\ud83d\udcdc <strong data-start=\"1893\" data-end=\"1940\">Quem paga as custas de cart\u00f3rio e impostos?<\/strong><\/h3>\n<p data-start=\"1942\" data-end=\"2069\">As despesas com <strong data-start=\"1958\" data-end=\"2026\">documenta\u00e7\u00e3o do im\u00f3vel, impostos e transfer\u00eancia de titularidade<\/strong> s\u00e3o de responsabilidade do benefici\u00e1rio.<\/p>\n<p data-start=\"2071\" data-end=\"2197\">\ud83d\udca1 Algumas construtoras parceiras oferecem o <strong data-start=\"2116\" data-end=\"2171\">parcelamento dessas taxas em at\u00e9 12 vezes sem juros<\/strong>, facilitando o pagamento.<\/p>\n<hr data-start=\"2199\" data-end=\"2202\" \/>\n<h3 data-start=\"2204\" data-end=\"2233\">\ud83d\udcdd <strong data-start=\"2211\" data-end=\"2233\">Como se inscrever?<\/strong><\/h3>\n<p data-start=\"2235\" data-end=\"2468\">As inscri\u00e7\u00f5es s\u00e3o abertas conforme a disponibilidade de unidades e conv\u00eanios com munic\u00edpios e construtoras. Acompanhe <a href=\"https:\/\/goias.gov.br\/agehab\/pra-ter-onde-morar-credito-parceria\/\">AQUI\u00a0<\/a><br data-start=\"2342\" data-end=\"2345\" \/>\ud83d\udd14 <strong data-start=\"2348\" data-end=\"2390\">Fique atento ao site oficial da AGEHAB<\/strong> para acompanhar os per\u00edodos de inscri\u00e7\u00e3o.\u00a0<\/p>\n<hr data-start=\"2470\" data-end=\"2473\" \/>\n<h3 data-start=\"2475\" data-end=\"2503\">\u2139\ufe0f <strong data-start=\"2482\" data-end=\"2503\">Mais informa\u00e7\u00f5es:<\/strong><\/h3>\n<p data-start=\"2505\" data-end=\"2618\">\ud83d\udcde Atendimento AGEHAB: <strong data-start=\"2528\" data-end=\"2546\">(62) 3096-5105<\/strong><br data-start=\"2546\" data-end=\"2549\" \/>\ud83c\udf10 Site oficial: <a class=\"cursor-pointer\" target=\"_new\" rel=\"noopener\" data-start=\"2566\" data-end=\"2618\">www.agehab.go.gov.br<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud83d\udca1 Como funciona o Cr\u00e9dito Parceria \u2013 Casas com Financiamento Subsidiado? \u00c9 um subs\u00eddio de at\u00e9 R$ 47.400,00 oferecido pelo Governo de Goi\u00e1s, por meio da AGEHAB, para ajudar na entrada ou no valor total do financiamento do im\u00f3vel. O restante do valor \u00e9 financiado pela Caixa Econ\u00f4mica Federal. O subs\u00eddio estadual \u00e9 acumulado com [&hellip;]<\/p>\n","protected":false},"author":126,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-10086","post","type-post","status-publish","format-standard","hentry","category-institucional"],"rttpg_featured_image_url":null,"rttpg_author":{"display_name":"suzetemc","author_link":"https:\/\/goias.gov.br\/agehab\/author\/suzetemc\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/goias.gov.br\/agehab\/category\/institucional\/\" rel=\"category tag\">Institucional<\/a>","rttpg_excerpt":"\ud83d\udca1 Como funciona o Cr\u00e9dito Parceria \u2013 Casas com Financiamento Subsidiado? \u00c9 um subs\u00eddio de at\u00e9 R$ 47.400,00 oferecido pelo Governo de Goi\u00e1s, por meio da AGEHAB, para ajudar na entrada ou no valor total do financiamento do im\u00f3vel. O restante do valor \u00e9 financiado pela Caixa Econ\u00f4mica Federal. O subs\u00eddio estadual \u00e9 acumulado com&hellip;","_links":{"self":[{"href":"https:\/\/goias.gov.br\/agehab\/wp-json\/wp\/v2\/posts\/10086","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/goias.gov.br\/agehab\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/goias.gov.br\/agehab\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/goias.gov.br\/agehab\/wp-json\/wp\/v2\/users\/126"}],"replies":[{"embeddable":true,"href":"https:\/\/goias.gov.br\/agehab\/wp-json\/wp\/v2\/comments?post=10086"}],"version-history":[{"count":1,"href":"https:\/\/goias.gov.br\/agehab\/wp-json\/wp\/v2\/posts\/10086\/revisions"}],"predecessor-version":[{"id":24477,"href":"https:\/\/goias.gov.br\/agehab\/wp-json\/wp\/v2\/posts\/10086\/revisions\/24477"}],"wp:attachment":[{"href":"https:\/\/goias.gov.br\/agehab\/wp-json\/wp\/v2\/media?parent=10086"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goias.gov.br\/agehab\/wp-json\/wp\/v2\/categories?post=10086"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goias.gov.br\/agehab\/wp-json\/wp\/v2\/tags?post=10086"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}