CURITIBA – Curitiba's real estate market has consolidated its position as one of the main hubs for financial transactions in the country. A survey by the DWV platform, a reference in market intelligence for the sector, shows that the capital of Paraná is among the five Brazilian municipalities with the highest financial volume traded, recording R$2 billion in properties sold. In total, the group of five main cities concentrated more than R$14.6 billion in General Sales Value (PSV). This scenario of strong appreciation and urban expansion directly impacts the pockets of Curitiba homeowners, who now find residential equity a lever to obtain high-value structured credit. In light of real estate growth, property-secured loans, internationally known as Home Equity, are emerging as one of the most advantageous and intelligent financial methods for raising funds. The logic is simple: with more valued properties in the city, the maximum amount that can be released by financial institutions increases proportionally. Operating under Federal Law No. 9,514/97, which regulates fiduciary alienation, the modality allows the owner to use a house or apartment as collateral, maintaining possession, use and the right to reside or rent the asset normally. As the risk of default is drastically reduced for institutions, the conditions offered are significantly more attractive than those of a conventional personal loan. According to recent data from the Brazilian Institute of Geography and Statistics (IBGE), around 650 thousand people live in 15 thousand condominiums in the capital of Paraná, which represents approximately 35.53% of the local population. Curitiba leads the state ranking for the concentration of residents in apartments. This density and the city's structured residential profile favor the liquidity of assets, one of the factors most observed by analysts when evaluating assets for granting credit. Industry experts point out that properties located in consolidated urban areas tend to maintain stable valuations, accelerating the technical approval phases of financial operations. For those who own properties in gated condominiums or vertical buildings, the rules and steps for accessing credit follow the same legal security trail as any Home Equity operation. Banco Bari, a Brazilian financial institution that is a reference in loans secured by property, releases up to 60% of the property's appraised value. In the current Curitiba scenario, an organic and consistent appreciation of residential stock directly translates into greater fundraising power for the client, who can use long-term resources to pay off expensive debts, invest in business expansion or carry out structured family planning projects. Vertical expansion and the stability of the Curitiba market Curitiba's real estate growth has been balanced and based on solid pillars: consistent demand, compatible income, planned urbanism and organic appreciation. Data presented by the Association of Directors of Companies in the Real Estate Market of Paraná (ADEMI-PR), based on surveys by BRAIN Strategic Intelligence, show that in the first quarter of 2026 alone, 1,863 vertical apartments were launched in the city. Of this total, around 70% correspond to compact units, a profile that already fills approximately 38% of the stock available in the capital. All this movement of assets keeps the market heated and establishes solid pricing bases for civil engineering assessments applied to credit. How securing a loan for apartments and houses in condominiums works The Home Equity contracting flow is made up of well-defined and transparent steps, created to ensure legal compliance and security for both parties involved. The process begins with an online simulation, where the interested party informs the estimated value of their property and the amount they wish to raise. The bank then carries out a detailed credit analysis, evaluating the applicant's financial profile, history and payment capacity. The third stage involves the evaluation of the property, at which time an accredited engineer or architect carries out a technical inspection of the apartment or condominium house to certify the real market value of the asset. Next, the legal analysis takes place, a phase in which the documentation of the unit, the owner and the customary certificates are checked. In the specific case of properties located within condominiums, the only additional requirement integrated into the conventional checklist is the presentation of the condominium's Debt Clearance Certificate (CND). Finally, after legal validation, the fiduciary sale is registered with a notary in the property registration and the credit is fully released. ABOUT THE COMPANY Banco Bari is a Brazilian financial institution specializing in property-secured loans, also known as Home Equity, positioning itself as a national reference in this structured credit segment. With a focus on transparency, solidity and regulatory efficiency, Banco Bari works to transform real estate assets into intelligent financial solutions for individuals and legal entities. Its operations offer lines of credit with release of up to 60% of the property's appraised value, flexible payment terms that reach up to 240 months and competitive rates starting at 1.09% p.m. plus IPCA, in addition to a grace period of up to 6 months.