O CAIXA Housing Simulator is a free, online tool that helps you take the first step towards realizing your dream home. Through it, you can get a personalized estimate of the value of the installments, the outstanding balance and the total amount financed, simulating different scenarios according to your financial conditions and the property you want. 

Here's how it works: 

Access the Simulator:

Visit the CAIXA website: Click here and access the simulator.

Select the "Housing Simulator“. 

Choose Simulation:

Housing finance: Simulate the purchase of a new or used property, with or without FGTS funds. 

Loan with Property Guarantee (Real Fácil CAIXA): Simulate obtaining a loan using your property as collateral. 

Enter your details:

Personal data: Enter your name, CPF, date of birth, total gross family income and profession. 

Property data: Enter the value of the property, the type of property (new or used), the location, the amount of your FGTS (if used) and the desired financing term. 

Other information: Select the payment method (constant amortization or SAC), use the amortization simulator to see a breakdown of the installments and let us know if you want to include insurance and other costs. 

Analyze the results:

Summary Simulation: Get an overview of the simulation, including the amount of the installments, the balance due and the total amount financed. 

Detailed amortization: View a detailed breakdown of your installments, including the amount of amortization, interest and the balance due each month. 

Other useful information: Visit links for more information on the Minha Casa, Minha Vida program, interest rates and additional costs. 

Save your simulation:

Save your simulation: Generate a PDF of the simulation results for later reference. 

Share your simulation: Send the PDF by e-mail or share it on social networks. 

Tips for Using the Simulator: 

Be realistic: Use precise figures for your income and the value of the property to obtain a more reliable simulation. 

Simulate different scenarios: Change the value of the property, the financing term and the payment method to compare different options. 

Consider the additional costs: Include the cost of taxes, fees and insurance in the budget. 

Seek professional advice: Consult a broker or loan officer for help choosing the ideal property and financing. 

O CAIXA Housing Simulator is a valuable tool for those looking to achieve their dream home with planning and security. Use it to get a personalized estimate of your financing and make informed decisions to achieve your dream. objective!