{"id":6232,"date":"2024-03-10T15:19:22","date_gmt":"2024-03-10T15:19:22","guid":{"rendered":"https:\/\/thedocegroup.com\/?p=6232"},"modified":"2025-09-25T21:04:01","modified_gmt":"2025-09-25T21:04:01","slug":"voltar-ao-mercado-imobiliario-apos-dificuldades-de-credito","status":"publish","type":"post","link":"https:\/\/thedocegroup.com\/pt\/getting-back-into-the-housing-market-after-credit-difficulties\/","title":{"rendered":"Retornando ao mercado imobili\u00e1rio ap\u00f3s dificuldades de cr\u00e9dito"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"6232\" class=\"elementor elementor-6232\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-55b13d4d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"55b13d4d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-354bf9dc\" data-id=\"354bf9dc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-339f7663 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"339f7663\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ao contr\u00e1rio da cren\u00e7a popular, voc\u00ea n\u00e3o precisa ter um hist\u00f3rico de cr\u00e9dito perfeito para comprar uma casa. \u00c9 mais importante entender o que um evento de cr\u00e9dito adverso exigir\u00e1 de voc\u00ea depois que ele ocorrer.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Ap\u00f3s um evento de cr\u00e9dito adverso, voc\u00ea geralmente:-<\/p>\n<ul>\n<li>Necessidade de observar um per\u00edodo de car\u00eancia antes de contratar uma hipoteca<\/li>\n<li>Precisa usar esse tempo para reconstruir seu cr\u00e9dito o m\u00e1ximo poss\u00edvel<\/li>\n<li>Necessidade de contratar a hipoteca certa para suas circunst\u00e2ncias espec\u00edficas<\/li>\n<\/ul>\n<div>\u00a0<\/div>\n<p>Um empr\u00e9stimo para eventos de cr\u00e9dito recentes oferece crit\u00e9rios de elegibilidade mais brandos do que os empr\u00e9stimos convencionais. Esses empr\u00e9stimos tamb\u00e9m podem permitir que voc\u00ea entre no mercado de compra de im\u00f3veis mais rapidamente do que os requisitos de empr\u00e9stimo da FHA ou os requisitos de empr\u00e9stimo convencional permitiriam. No entanto, \u00e9 \u00fatil saber como s\u00e3o os per\u00edodos de espera da FHA e dos empr\u00e9stimos convencionais.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>O que conta como um evento de cr\u00e9dito adverso?<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Qualquer um dos seguintes eventos de cr\u00e9dito pode dificultar a qualifica\u00e7\u00e3o para determinadas hipotecas.<\/p>\n<ul>\n<li>Cap\u00edtulo 7<\/li>\n<li>Cap\u00edtulo 13<\/li>\n<li>Vendas a descoberto<\/li>\n<li>Execu\u00e7\u00e3o hipotec\u00e1ria\u00a0<\/li>\n<li>Escritura em substitui\u00e7\u00e3o \u00e0 execu\u00e7\u00e3o hipotec\u00e1ria<\/li>\n<li>Encargos hipotec\u00e1rios<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>Nossos empr\u00e9stimos para eventos de cr\u00e9dito recentes foram criados para ajudar as pessoas que sofreram qualquer um desses eventos.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Cap\u00edtulo 7<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Para comprar uma casa usando um empr\u00e9stimo da FHA ap\u00f3s uma fal\u00eancia do Cap\u00edtulo 7, voc\u00ea deve atender aos seguintes requisitos.<\/p>\n<ul>\n<li>Observar um per\u00edodo de espera de dois anos<\/li>\n<li>Efetuar todos os pagamentos em dia durante esses dois anos<\/li>\n<li>Obter uma pontua\u00e7\u00e3o de cr\u00e9dito m\u00ednima de 580<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>Os empr\u00e9stimos convencionais exigem um per\u00edodo de car\u00eancia de quatro anos, a menos que voc\u00ea possa comprovar circunst\u00e2ncias atenuantes, e geralmente exigem que voc\u00ea obtenha uma pontua\u00e7\u00e3o de cr\u00e9dito muito mais alta. Obter uma pontua\u00e7\u00e3o de cr\u00e9dito alta n\u00e3o \u00e9 imposs\u00edvel ap\u00f3s o Cap\u00edtulo 7, mas voc\u00ea deve estar ciente de que os requisitos s\u00e3o mais rigorosos.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Cap\u00edtulo 13\u00a0<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Algumas pessoas podem solicitar um empr\u00e9stimo da FHA um ano ap\u00f3s o in\u00edcio do per\u00edodo de pagamento do Cap\u00edtulo 13, com a aprova\u00e7\u00e3o do administrador.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Se voc\u00ea tiver conclu\u00eddo seu plano de pagamento do Cap\u00edtulo 13, poder\u00e1 solicitar um empr\u00e9stimo da FHA sem per\u00edodo de car\u00eancia.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Voc\u00ea pode solicitar um empr\u00e9stimo convencional dois anos ap\u00f3s a data de quita\u00e7\u00e3o. Se a sua fal\u00eancia do Cap\u00edtulo 13 tiver sido encerrada em vez de encerrada, voc\u00ea dever\u00e1 esperar quatro anos a partir da data de encerramento.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Vendas a descoberto, escritura de arrendamento ou baixas cont\u00e1beis<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Os credores da FHA exigir\u00e3o que voc\u00ea passe por um per\u00edodo de espera de tr\u00eas anos ap\u00f3s a data registrada do evento.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Os credores convencionais exigir\u00e3o um per\u00edodo de car\u00eancia de quatro anos ap\u00f3s um evento de deed-in-lieu, uma venda pr\u00e9-execu\u00e7\u00e3o hipotec\u00e1ria (venda a descoberto) ou uma baixa de qualquer conta de hipoteca. Se voc\u00ea puder comprovar circunst\u00e2ncias atenuantes, talvez consiga reduzir esse per\u00edodo para dois anos.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Execu\u00e7\u00e3o hipotec\u00e1ria<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Voc\u00ea pode solicitar um empr\u00e9stimo da FHA tr\u00eas anos ap\u00f3s a execu\u00e7\u00e3o da hipoteca.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Os empr\u00e9stimos convencionais exigir\u00e3o um per\u00edodo de espera de sete anos ap\u00f3s uma execu\u00e7\u00e3o hipotec\u00e1ria. Se voc\u00ea puder comprovar circunst\u00e2ncias atenuantes, talvez consiga reduzir esse per\u00edodo para tr\u00eas anos.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Reconstru\u00e7\u00e3o de cr\u00e9dito<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Se voc\u00ea deseja comprar uma casa ap\u00f3s um evento de cr\u00e9dito adverso, \u00e9 vantajoso aumentar sua pontua\u00e7\u00e3o de cr\u00e9dito o m\u00e1ximo poss\u00edvel.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Aumentar sua pontua\u00e7\u00e3o pode abrir op\u00e7\u00f5es e qualific\u00e1-lo para taxas de juros mais baixas.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Al\u00e9m disso, o empr\u00e9stimo da FHA pode n\u00e3o ser adequado \u00e0s suas circunst\u00e2ncias, pois ele tem limites de empr\u00e9stimo mais baixos e exige que voc\u00ea use o seguro hipotec\u00e1rio, mesmo que d\u00ea uma entrada de 20% ou mais.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Talvez seja poss\u00edvel reconstruir seu cr\u00e9dito com um cart\u00e3o de cr\u00e9dito pequeno e seguro, usando uma parte muito pequena do seu cr\u00e9dito dispon\u00edvel e pagando o cart\u00e3o em dia, integralmente, todos os meses.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Escolhendo o empr\u00e9stimo certo\u00a0<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Nossos empr\u00e9stimos para eventos de cr\u00e9dito recentes oferecem per\u00edodos de espera mais curtos em compara\u00e7\u00e3o com os empr\u00e9stimos convencionais.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Avaliamos os empr\u00e9stimos caso a caso e usamos crit\u00e9rios de elegibilidade mais brandos. Contornar seus problemas de cr\u00e9dito pode significar orient\u00e1-lo a solicitar um empr\u00e9stimo da FHA ou pode significar ajud\u00e1-lo a obter um empr\u00e9stimo imobili\u00e1rio por meio de um de nossos outros programas.\u00a0\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Se voc\u00ea n\u00e3o estiver contratando um <a title=\"\" href=\"https:\/\/thedocegroup.com\/fha-loans\/\">Empr\u00e9stimo FHA<\/a>Se o seu financiamento for muito caro, ser\u00e1 necess\u00e1rio planejar adequadamente. Talvez voc\u00ea precise de uma entrada maior e talvez tenha de pagar taxas de juros mais altas. No entanto, voc\u00ea ter\u00e1 uma segunda chance de ter uma casa pr\u00f3pria ap\u00f3s as dificuldades recentes.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>N\u00e3o perca a esperan\u00e7a. Encontre o empr\u00e9stimo hipotec\u00e1rio certo agendando uma consulta com <a title=\"\" href=\"https:\/\/g.page\/r\/Caqw1nYAs-VQEBM\/review\">Alex Doce<\/a> hoje.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Contrary to popular belief, you do not have to have a perfect credit history in order to buy a house. It&#8217;s more important to understand what an adverse credit event will require of you after it happens. After an adverse credit event, you will generally:- Need to observe a waiting period before you take out [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":6233,"comment_status":"closed","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"inline_featured_image":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6232","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.5.2 - aioseo.com -->\n\t<meta name=\"description\" content=\"It is possible to obtain a home loan after bankruptcy, foreclosure, or short sales. Different options may be available to you. 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