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tecnológicos",false,"https:\u002F\u002Fcdn.griinstitute.org\u002Fuploads\u002Fhubnews\u002Fbinary_top_2021_9_24_08_22_53_1632482573.jpg","https:\u002F\u002Fcdn.griinstitute.org\u002Fuploads\u002Fhubnews\u002Fbinary_cover_2021_9_24_08_22_53_1632482573.jpg","https:\u002F\u002Fcdn.griinstitute.org\u002Fuploads\u002Fhubnews\u002Fbinary_slider_2021_9_24_08_22_53_1632482573.jpg","2021-09-24T00:00:00.000Z","Crédito:  twenty 20 photos \u002F Envato","#FFFFFF","CrediHome e Kenlo miram home equity","https:\u002F\u002Fcdn.griinstitute.org\u002Fuploads\u002Fhubnews\u002Fbinary_social_2021_9_24_08_22_53_1632482573.jpg",918,"2021-09-24T08:22:53.000Z","2024-05-28T06:30:42.000Z",[1464],{"id":1465,"newsId":1447,"languageId":25,"title":1450,"subtitle":1466,"content":1467,"summary":8,"takeaways":8,"seoTagConversionId":8,"seoTag":8,"seoTitle":8,"seoKeywords":8,"seoDescription":8,"seoAbstract":8,"seoImage":8,"createdAt":1468,"updatedAt":1469,"language":1470},1788,"Digitalização das etapas de contratação torna modalidade mais competitiva","\u003Cp dir=\"ltr\">Alternativa de crédito pessoal consolidada nos Estados Unidos, em países europeus e asiáticos, o \u003Cem>home equity\u003C\u002Fem> - ou crédito com garantia de imóvel - tem crescido acima de 50% ao ano no Brasil, beneficiado pela queda generalizada nas taxas de juros ao longo dos últimos três anos e pela revolução tecnológica nos processos de análise de crédito, avaliação jurídica, registro cartorário e contratação de seguros. \u003C\u002Fp>\r\n\r\n\u003Cp dir=\"ltr\">Os protagonistas deste movimento são as fintechs, como a Kenlo, do grupo InGaia, que oferece o produto aos clientes das imobiliárias e dos corretores parceiros de forma 100% digital, incluindo a assinatura e o registro do contrato em cartório. “Testamos o \u003Cem>home equity\u003C\u002Fem> em um grupo limitado e agora a ideia é escalar, não apenas no universo das 8 mil imobiliárias e corretoras parceiras, como também para agentes externos”, afirma o CFO da InGaia, \u003Cspan class=\"data-profile-link\" data-id=\"18814\">Dan Shigenawa\u003C\u002Fspan>. \u003C\u002Fp>\r\n\r\n\u003Cp dir=\"ltr\">Outro player com forte atuação neste mercado, a CrediHome tem triplicado anualmente o volume de operações contratadas desde sua fundação, no final de 2017. “O mercado imobiliário cresceu 50% no ano passado em relação a 2019, deve crescer entre 40% e 50% esse ano em relação a 2020, e nessa esteira o mercado de \u003Cem>home equity \u003C\u002Fem>também tem crescido muito, em taxas até superiores a essas, e as empresas como a CrediHome têm se destacado ao melhorar a experiência do cliente”, avalia o fundador e CEO da fintech, Bruno Gama.\u003C\u002Fp>\r\n\r\n\u003Cp dir=\"ltr\">A diretora da GEO, Rossana Costa, celebra o movimento das fintechs no sentido de simplificar e digitalizar a obtenção de crédito imobiliário, no qual está inserida a contratação dos seguros obrigatórios. “Os grandes bancos ainda detêm cerca de 85% do mercado, então ainda é uma pequena parte que está engajada em oferecer um atendimento tecnológico, mas essas melhorias vão acabar contagiando os maiores \u003Cem>players\u003C\u002Fem>”, avalia a especialista. \u003C\u002Fp>\r\n\r\n\u003Ch3 dir=\"ltr\">\u003Cspan style=\"font-size:18px\">Que melhorias são essas?\u003C\u002Fspan>\u003C\u002Fh3>\r\n\r\n\u003Cp dir=\"ltr\">Gama conta que quando começou a trabalhar no mercado de crédito imobiliário, há quase quinze anos, a contratação podia levar até seis meses. Hoje, o prazo já caiu para aproximadamente duas semanas, mas a meta da fintech é reduzi-lo ainda mais, para cinco dias entre a solicitação e o registro do contrato. \u003C\u002Fp>\r\n\r\n\u003Cp dir=\"ltr\">Atualmente, a análise do cliente já é feita via preenchimento digital de proposta única, que tanto é enviada aos bancos parceiros - a CrediHome também é uma plataforma multibanco - quanto avaliada internamente. “Entregamos a oferta de crédito em minutos. Antes, isso levava semanas”. \u003C\u002Fp>\r\n\r\n\u003Cp dir=\"ltr\">Outra grande evolução propiciada pela tecnologia ocorre nas etapas de avaliação jurídica e do imóvel colocado em garantia. Hoje, boa parte é feita por algoritmos, dispensando as visitas presenciais. “A gente usa uma base de dados para fazer a estimativa do valor do imóvel, e uma parte da diligência documental e jurídica também é feita por outros algoritmos”, diz Gama. \u003C\u002Fp>\r\n\r\n\u003Cp dir=\"ltr\">Até mesmo nos cartórios tem havido evolução: parte dos registros já é feita de forma eletrônica, o que permite que a contratação do \u003Cem>home equity\u003C\u002Fem> seja, de fato, 100% digital. “A digitalização é um grande acelerador de negócios e gera um ciclo virtuoso para o mercado imobiliário em geral”, afirma Shigenawa. \u003C\u002Fp>\r\n\r\n\u003Cp dir=\"ltr\">Na composição dos custos, os menores valores cobrados na contratação dos seguros - Habitacional Prestamista MIP e DFI - também estimulam a aquisição de crédito imobiliário, incluindo o \u003Cem>home equity\u003C\u002Fem>. Segundo a diretora da GEO, na comparação com o modelo tradicional dos grandes bancos, o custo cai pela metade, na média das operações, podendo o desconto ser ainda maior. \u003C\u002Fp>\r\n\r\n\u003Cp dir=\"ltr\">“Em alguns casos, quando as pessoas começam a avançar na faixa etária, isso se torna um pouco mais gritante porque os bancos, em geral, tendem a ter um seguro por faixa etária, e nós produzimos uma operação que é com uma taxa única, então a fintech se favorece”, explica Rossana Costa.\u003C\u002Fp>\r\n\r\n\u003Cp dir=\"ltr\">Se o tomador tem 60 anos ou mais, o custo chega a um sexto (ou 83,3% menor). “Isso, quando multiplicado pela quantidade de parcelas ao longo dos anos, é uma pequena fortuna”. Ainda segundo a especialista, em torno de 50% da redução de custos se deve aos fatores operacionais, e a outra metade às tábuas de mortalidade usadas pelas seguradoras dos grandes bancos. \u003C\u002Fp>\r\n\r\n\u003Ch3 dir=\"ltr\">\u003Cspan style=\"font-size:18px\">Por que contratar o \u003Cem>home equity\u003C\u002Fem>?\u003C\u002Fspan>\u003C\u002Fh3>\r\n\r\n\u003Cp dir=\"ltr\">Para o CFO da InGaia\u002FKenlo, o crédito com garantia de imóvel é o melhor produto para quem busca crédito de alto valor com prazo de pagamento longo e parcelas que se encaixam no orçamento. “Estamos falando de taxas possíveis inferiores a 1% ao mês, o que é muito mais barato do que qualquer crédito privado e com um prazo muito mais alongado para quitação”, explica. \u003C\u002Fp>\r\n\r\n\u003Cp dir=\"ltr\">Shigenawa ressalta que a comparação com o crédito imobiliário para aquisição não é correta, uma vez que este último é lastreado na poupança. Ainda assim, o \u003Cem>home equity\u003C\u002Fem> permanece competitivo, com a vantagem de que o tomador pode utilizar o crédito para qualquer finalidade, enquanto o produto de aquisição é necessariamente voltado à compra do imóvel. \u003C\u002Fp>\r\n\r\n\u003Cp dir=\"ltr\">Gama corrobora o ponto de vista: “O crédito imobiliário no Brasil usa - obrigatoriamente - o \u003Cem>funding\u003C\u002Fem> da poupança. O custo para o banco é de 70% da Selic, algo em torno de 3,5% atualmente. O \u003Cem>home equity\u003C\u002Fem> não usa o SBPE, mas sim o \u003Cem>funding\u003C\u002Fem> de mercado, por isso é um pouco mais caro, mas é absolutamente mais barato do que qualquer linha de crédito pessoal”. \u003C\u002Fp>\r\n\r\n\u003Cp dir=\"ltr\">“Nos Estados Unidos, na Europa e na Ásia é super comum o cidadão usar o imóvel como garantia de empréstimo porque é muito barato, e a gente está trazendo esse movimento para o Brasil, super convictos de que muita gente vai se beneficiar disso”, ratifica o fundador e CEO da CrediHome. \u003C\u002Fp>\r\n\r\n\u003Cp dir=\"ltr\">Com otimismo semelhante, Shigenawa encerra: “Temos convicção de que, com o tempo, o \u003Cem>home equity\u003C\u002Fem> será cada vez mais ofertado e considerado pelos clientes, tornando-se o maior produto de crédito do país, seguindo o que é verificado nos países com economias mais maduras”.\u003C\u002Fp>\r\n\r\n\u003Cp>\u003Cspan style=\"color:#6b6b6b\">Por \u003Cstrong>Henrique Cisman\u003Cbr \u002F>\r\n\u003Cbr \u002F>\r\n\u003Ca href=\"https:\u002F\u002Fwww.griinstitute.org\u002Fevent\u002Freal-estate\u002Fbrazil-gri_1394.html\" target=\"_blank\">\u003Cimg alt=\"\" src=\"https:\u002F\u002Fcdn.griinstitute.org\u002Fuploads\u002Ffiles\u002FBrazil_GRI_2021_Banner_HTML_2021_9_24_14_25_45_1632493545.jpg\" style=\"border-radius:20px; width:100%\" \u002F>\u003C\u002Fa>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\r\n","2021-09-24T08:24:04.000Z","2021-10-05T14:36:11.000Z",{"code":18},{"id":25,"color":27,"translations":1472},[1473,1475,1477],{"title":26,"slug":30,"language":1474},{"code":13},{"title":37,"slug":38,"language":1476},{"code":18},{"title":33,"slug":34,"language":1478},{"code":23},[1480,1488],{"id":65,"label":1231,"translations":1481},[1482,1484,1486],{"label":1231,"slug":1242,"language":1483},{"code":13},{"label":1245,"slug":1246,"language":1485},{"code":18},{"label":1249,"slug":1250,"language":1487},{"code":23},{"id":81,"label":1359,"translations":1489},[1490,1492,1494],{"label":1359,"slug":1370,"language":1491},{"code":13},{"label":1373,"slug":1374,"language":1493},{"code":18},{"label":1377,"slug":1378,"language":1495},{"code":23},[1497],{"name":171,"enName":171,"ptName":171,"iso2":1498},"BR",[],{"pt-BR":1501},"\u002Fmercado-imobiliario\u002Fcredihome-e-kenlo-miram-home-equity-com-processos-mais-tecnologicos_1630",[1503,1504,1505,1506,1507,1508],"Infra Brazil","Infra Latam","Real Estate Brazil","Real Estate Europe","Real Estate India","Real Estate Latam"]