In the next two years, 57% of Brazilians want move house and buy a property. A third believe that there is a great chance of realizing the dream of owning a home. But only 45% have a financial plan for it. The data are from a survey by Quinto Andar, in partnership with the Datafolha institute.
The profile of whoever buy a house it also shows that 58% are from classes A and B and 52% do not have children. Demand is higher in the metropolitan area (51%) than in the interior (40%). In addition, 52% of men are financially prepared to fulfill this dream, among women this rate drops to 40%.
The main motivation for this desire pointed out by the interviewees is the desire to get out of rent (43%). Next is: realizing the dream of owning a home (37%), having financial stability (13%) and investing (11%).
According to Jonas Marchetti, credit director at Quinto Andar, before moving, you need to evaluate and prepare your finances. “Expenses tend to increase when you stop being a tenant and become an owner, with the maintenance of the property. Therefore, it is necessary to make a reservation for unexpected expenses and not leave everything in the transaction. In the new house, some improvements may be needed. The ideal is even to take a ‘test-drive’ a few months before buying to see the ability to pay all expenses, which include the value of the installment of an eventual financing, condominium, IPTU ”, he says.
Most people who intend to buy a property want to take out a loan (52%). Another 25% plan to pay in cash. Next is asking for financial help from family members and the consortium, each with 9%.
“The tip is always to take into account the total effective cost. That is, to analyze the form of correction of the installments, the cost of insurance. You have to do the math. If the person is not sure with all the calculations to make a loan, the ideal is to seek help, talk to friends, do more research”, advises Marchetti.
The research also showed that real estate financing compromises 27% of Brazilians’ family income. The average amount spent monthly with the installment is R$ 715. The region with the most expensive cost is Southeast (R$ 867), followed by North (R$ 802), South (R$ 770), Northeast (R$ 462 ) and Midwest (R$ 458). Among metropolitan areas, the most expensive financing is in São Paulo (R$ 1,206), ahead of Rio de Janeiro (R$ 1,111) and Belo Horizonte (R$ 827).
Among those who intend to take out financing, 52% will resort to banks, 26% to the Casa Verde Amarela program, 19% to construction companies and 9% did not respond.
As for those who want to buy a property in cash, 39% will use savings, 28% will sell other properties, 26% will sell other goods, 10% intend to withdraw the FGTS (Guarantee Fund for Time of Contribution) and 5% did not respond.
Among those who want to move, 25% intend to rent a property. For 70% the lack of financial resources influenced this decision. The weight of rent in the monthly family income is, on average, 31%, a percentage higher than that of financing, and the average amount paid in the country is R$ 686.
The region with the most expensive rent is the Southeast (R$824), ahead of the South (R$791), the Midwest (R$640), the Northeast (R$400) and the North (R$579). ). When comparing the metropolitan regions, São Paulo (R$ 1,078) leads the ranking, followed by Rio de Janeiro (R$ 876) and Belo Horizonte (R$ 834).
For Marchetti, it is essential that the person reflects on what pays more. “It depends a lot on the stage of life each one is in. If the person is going to get married, you need to think of a property that everyone can fit in, especially if you want to have children or a pet. As transaction costs are expensive, it is essential to plan how long you expect to stay in the property. If it’s a short time, maybe it’s better to rent than buy,” he says.
For this contract model, the security deposit is the most used rental guarantee in all regions (57%), followed by the guarantor (15%), credit and insurance analysis (both with 7%).
Most used methods to buy a property
The survey also showed the most used form when looking for a new home. The classic signs were cited by 48% of respondents. Traditional real estate, search for websites, apps and social networks are used by the same percentage of people (41%).
In classes A and B, websites and apps are the preferred means of finding a property (55%). Higher rate than classes C and D, in which 41% and 28% use digital media, respectively. Among young people, this percentage rises to 47%.
The survey interviewed 3,186 Brazilians, aged 21 and over, from the five regions of the country. Data was collected between October 11 and October 21, 2021. The margin of error is plus or minus two percentage points.
*Internship under the supervision of Ana Vinhas