Urban residential property guarantees the lowest rates on secured loans

CURITIBA (PR) – When structuring long-term credit, the type of property offered as collateral is a very important element in the design of contractual conditions. Although the Home Equity model uses equity to mitigate the risk of the operation, allowing rates substantially lower than those of unguaranteed modalities, the financial health of the borrower plays an equivalent role in the composition of the contract. Criteria such as the ability to prove income, the credit score with protection agencies and the operator's profile are as determining as the physical and legal characteristics and location of the property for the final approval of structured credit. In this context, some characteristics of the guarantee can bring Liquidity of the property is one of the factors that defines the risk of the operation. Market dynamics operate based on predictability: the greater the ease of valuation and the speed of commercialization of the physical asset, the lower the risk associated with the operation and the more advantageous the conditions passed on to the borrower may be. For this reason, residential properties located in consolidated urban areas, such as houses and apartments, emerge as the most prominent categories in the guarantee ecosystem. The urban apartment segment, specifically, has continuous demand and a highly heated secondary market, which optimizes analysis deadlines and ensures the most competitive interest rates. "Brazil is still exploring a minimal fraction of the potential of its real estate stock. The next phase of credit may lie precisely in the ability to transform paid-off properties into productive assets, with responsibility, predictability and a long-term vision." — Gustavo Caciatori, Operations Director and specialist in loans with property guarantees at Bari. Other typologies follow their own criteria. The evaluation criteria also cover other typologies to meet different customer profiles. Commercial properties, such as offices and corporate buildings, are fully accepted in Banco Bari's operations, presenting specific conditions that follow the behavior of this real estate segment. Land located in gated communities and regularized lots undergoes screening focused on future habitability and market liquidity, being absorbed under planned operational limits to guarantee the sustainability of the long-term contract. One of the pillars that provide total security and peace of mind to the owner is the stability of Home Equity contracts in Brazil. Data from Bari demonstrate that the rate of property repossession in this modality is historically minimal, remaining below 1.5% of mapped cases. The purpose of the financial institution is to enable the client's economic development through healthy credit, so that the property remains under the client's use, possession and housing rights from the beginning to the end of the process. Fiduciary alienation works as a legal safeguard regulated by the Central Bank, allowing interest to be reduced. To optimize the approval flow and obtain the best conditions available, document compliance is the most strategic step. Properties with their situation fully regularized — including updated registration issued by the Property Registry Office, up-to-date Urban Land and Property Tax (IPTU) guides and absence of judicial restrictions — gain speed in the analysis of credit tables, facilitating quick access to resources of up to 60% of the value of the property with amortization periods of up to 20 years. About Banco Bari With over 31 years of experience and headquartered in Curitiba, Banco Bari is a pioneer in property-secured loans in Brazil. The institution brings together nine companies with complementary skills, allowing the entire credit granting, management and securitization chain to be carried out internally. In addition to its expertise in property-secured loans, Banco Bari offers solutions such as payroll loans, investments and real estate securitization.