Who it's for
- Working capital for your company
- Swapping expensive debt (overdraft, credit card, working capital) for cheaper debt
- Expansion, renovation or equipment purchases
- Property paid off or financed, with a significant share already paid
Structured credit · 26 institutions
Home Equity: loans backed by your propertyat the rate an asset owner deserves.
With Home Equity, your house, apartment or commercial unit serves as collateral, and the property stays yours and in your use. Because the lender's risk drops, rates and terms are far better than those of personal loans or unsecured working capital.
From 0.89% per month + IPCAFixed rate from 1.39% per monthUp to 240 monthsNo-cost review
Why consider it
Rates from 0.89% per month
Floating + IPCA (Brazil's inflation index), or fixed from 1.39% per month, depending on the profile.
Up to 240 months
An installment that fits your cash flow, with Price or SAC amortization.
The property stays yours
You keep living in it or operating from it as usual.
How it works
From first contact to disbursement.
Simulation and case review
You run a simulation, and our desk assesses the collateral, the use of funds and repayment capacity.
Documents and appraisal
We organize the property registration, certificates and the property inspection. This step weighs most on the final rate.
Offers compared
The deal goes to our accredited institutions, and you get rate, term and CET (Total Effective Cost) side by side.
Contract and disbursement
Signing, registration of the fiduciary lien at the registry office and funds in your account. It usually takes 20 to 45 days.
FAQ
What people ask about Home Equity.
How much can I borrow?
Generally up to a share of the property's appraised value, which varies by institution and property type (residential or commercial). Our desk shows each institution's limit in the offer.
Does a financed property qualify?
Yes, as long as a significant share has already been paid. The analysis takes the outstanding balance into account.
Do I need to prove income?
Yes. The institution assesses the repayment capacity of the person or company, in addition to the collateral.
Tell us about your case, we'll answer with numbers.
Reply within 1 business day with the actual rate and term range for your profile.