Realize your dream homeBuying a property is a special moment. However, this process also involves planning.
It's important to pay attention to detail.
If you're thinking of buying a property through CAIXA, you should know that there are different options to choose from. You can opt for auctions, online sales and tenders.
In addition, you can use your FGTS or take out an financing housing to facilitate the process.
Here's a complete guide to getting your property safely and easily.
Planning: The First Step to Buying Your Property
Before starting the process, it is essential to assess your financial situation. You should also define how you want to pay.
Will it be with FGTS funds, financing or both? options? The first step is to go to a CAIXA Banking Correspondent (CCA) or a CAIXA branch. There you can
- Know all the financing conditions.
- Submit your documentation for risk analysis.
- Getting your housing loan approved.
This step is essential, because only with an approved loan will you be able to compete for the property you want.
How to make your purchase proposal
With the credit in hand, it's time to find the ideal property.
Find the one that best meets your needs. CAIXA offers properties through various sales options:
- Online sales: Access the CAIXA website, search for the property you want and make your proposal directly on the page.
- Auctions and Tenders: Consult the public notice and place your bid on the auctioneer's website.
- Public Tender or Direct SaleProposals must be sent in person or by post, following the instructions in the notice.
Before you take any action, read the call for tenders carefully. It contains crucial information, such as payment methods, minimum amounts and deadlines for submitting proposals.
Tracking Bid Results
Once you have submitted your proposal, you need to follow up on the result:
- In Online Sales: Go to the CAIXA website in the “My Results” section to check if you are the winner.
- At auctions and tendersSee the results on the auctioneer's website and in the CAIXA results area.
This stage requires patience, but it's rewarding when your proposal is accepted.
Making the payment
If your bid is successful, payment is made as follows:
- Online salesAccess the CAIXA website, log in and issue the payment slip.
- Auctions and Tenders: Wait for the e-mail with instructions on how to pay the auctioneer.
Make sure you meet all the deadlines to avoid losing the property.
CAIXA Real Estate Sales Modalities
- Online Sales and Direct Online Sales
In this modality, the proposal is made directly on the CAIXA website. You'll find the property page there. The highest bid wins when the timer goes off. It also wins when the property is already available without any disputes. An accredited broker can assist you in this process, and the commission is paid exclusively by CAIXA. - 1st Auction, 2nd Auction and Open Bidding
Bids are made on the auctioneer's website indicated in the notice. The highest bidder is declared the winner and must pay the auctioneer a commission of 5%. - Public tender e Direct Sale of FAR or Third Party Properties
In this modality, proposals must be submitted in writing. They can be delivered in person or by post. A security deposit of 5% of the property's appraised value is required. If the property is not sold at this stage, it will be offered as a direct sale. The first valid bid will be accepted.
Conclusion: Realize your dream home
The key is to plan, read the notices carefully and follow every step of the process. Whether by online sale, auction or public tender, the chance to secure your property is within your reach.
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