Portability, amortization, and renegotiation transform credit into a strategic ally for those who buy before the end of the financing cycle.

Illustrative image Freepik

Even with the Selic rate still at a high level, mortgage financing can once again become a strategic ally for those wishing to invest in real estate — especially in the high-end market. Instead of representing a barrier, credit can act as a bridge to opportunities for asset appreciation in the coming years.

According to Katya Treiger, a partner at Ville Capital, the key is understanding that financing doesn't have to be fixed or permanent. "What's valid today may not be valid tomorrow. The downward trend in interest rates creates room for amortizations, credit portability with better rates, or even a reduction in the value of monthly installments in the future. Those who enter now, intelligently, will be able to adjust the contract later and keep their assets growing.", he explains.

The logic is clear: those who wait for the 'perfect moment' may miss the best market opportunities. In economic cycles, real estate continues to be a safe-haven asset, often trading at better prices during periods of uncertainty.

Luanderson Novaes, CEO of All Brokers, a boutique real estate firm specializing in high-end and ultra-high-end properties, points out that the trend among large investors has been to anticipate purchases, even in a scenario of high interest rates.

“Many are taking advantage of this moment to structure their portfolios with good acquisitions. Some of these buyers have a long-term vision and seek to use the high returns from fixed income to acquire properties under construction, using financing as a strategic tool for future viability, taking advantage of the facilitated payment flow.

"Another segment of buyers are the auctioneers: investors who have large sums invested and, faced with a moment of uncertainty and greater liquidity in the market, are acquiring opportunities with discounts ranging from 20% to 35% on the market prices," says Novaes.

Experts also point out that, with the Central Bank's recent signal to end the Selic rate hike cycle, the window for more advantageous financing should gradually open in the coming quarters. For those who already own property, the advantage will be renegotiating with the asset already appreciating in value — a double capital gain.

In this scenario, bank credit becomes more than a necessity: it becomes a smart entry strategy, especially for those who understand time as an asset as valuable as capital.

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Renan Mello – Communications Consultant
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