Enlisting the help of professionals is a great advantage for those who want to take the first step towards owning their own home. After all, this is a long-term commitment that requires careful planning. So you should know that the Credihome loan was created specifically to make this procedure easier for you: it's completely online, safe and unbureaucratic.

Read on!

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Firstly, how does CrediHome work?

CrediHome is a credit fintech - a company that uses technology to provide financial services. Its aim is to ensure that its customers make the best possible choices in order to receive a loan or line of credit in a timely and secure manner.

When you contact CrediHome and express an interest in a loan, CrediHome assesses your credit score and immediately informs you if you are eligible for a loan.

If your circumstances are favourable, the credit check will begin and then the hiring process. In other words, it's a simple and quick procedure. What's more, the fintech is at the client's disposal at every stage to help with every move.

Credit services offered by CrediHome

CrediHome offers two types of services: secured loans and property finance. Both have low interest rates and are free of bureaucracy. So take a look at how each product works.

Property financing:

One of the advantages of CrediHome is that the service is completely free. As a result, unlike direct bank negotiations, there is no conflict of interest with the startup, as the company's sole aim is to help you obtain the best loan offers.

CrediHome has connections with all the banks for this. In addition to opening a loan, the organisation offers all the assistance you need to obtain the best possible mortgage.

It's worth noting that the terms of the contract differ from one bank to another. However, there are some prerequisites that everyone must fulfil:

• No bank will lend the full value of the property;
• The down payment can vary from ten per cent to twenty per cent of the total value of the property;
• As long as the buyer meets the conditions, the FGTS can be used to discount the down payment.
• Financing takes an average of 30 years, but can take up to 35 years depending on the situation.
• DFI (Physical Damage to Property) and MIP (Death or Permanent Disability) are two necessary insurances included in the financing.
• It is possible to finance a house by pooling income from various sources.

Loan secured by property:

A property-backed loan is a credit release option that, as the name suggests, uses a property as collateral. This option is perfect for those who want to buy another asset but don't have the full amount required and don't want to sell their current property.

This form of loan is particularly favourable because the bank has no interest in taking the property, the terms are longer and the interest rates are lower. However, there are a few caveats:

• If the owner agrees to act as valuer or guarantor, it is possible to use third-party property;
• The loan amount is determined by the property's appraised value and verifiable income;
• Only duly regularised urban properties are included for valuation;
• In the event of default, the bank takes possession of the property;
• The IPCA has aroused people's interest (or Inflation Correction Index).

Main advantages of choosing a CrediHome loan

Do you still have doubts about taking out a Credihome mortgage or property-backed loan? Then here are some of the main benefits of Fintech:

• Credihome is a fintech company specialising in offering home loans.
• More than ten institutions approved by the Central Bank are offering property finance.
• Real estate experts provide customer service.
• No bureaucracy, an online 100% loan is available.
• Up to 80% of a property's value can be financed.
• Property loans can cover up to 60% of the property's value.

Credihome's partners: Who are they?

This fintech aims to reduce bureaucracy in the process of obtaining property loans for its customers, making it quick and easy.

Credihome's service connects consumers to various financial institutions, presenting the best solutions for their needs and income.

We can find the following banks among those with which Credihome connects its clients:

• Itaú
• Caixa Econômica Federal;
• Bank of Brazil;
• Bradesco;
• Safra Bank;
• Banco Daycoval;
• Among others.

In total, the financing proposal will contact a diverse range of institutions, ensuring that the consumer can discover the best conditions.

Credihome also provides a dedicated service to answer any questions or resolve any problems that may arise during the credit application process.

Can I trust CrediHome credit? Is it safe?

Customers' main concerns when applying for a loan online are the security of sending their information and the authenticity of the company.

Before taking on any obligation, it's a good idea to check the company's credibility and security.

Credit simulations with property guarantees and property finance are carried out quickly and without bureaucracy. Credihome carries out a credit analysis of your income and financial history with various institutions, presenting the best offers from each one.

Credit operations are only finalised with the signing of the contract, which clearly sets out all the terms and conditions of the loan.

Credihome is a start-up specialising in credit and the real estate market, with the Central Bank of Brazil approving its operations.

This indicates that Credihome is a legal entity that has been officially registered and is providing services in accordance with current legislation.

Simplic personal loan: Credit in your account in up to 24 hours!

In addition, the information provided to your platform is shared exclusively with partner banks and is not accessible to third parties. The padlock next to the website domain in the browser indicates that the site is encrypted, which means that access to the site is secure.

That's why Credihome is a safe and reliable fintech to use when applying for credit secured by property or financing.

The services of Fintech have been officially registered and authorised by Brazil's financial authorities, and the site's technology ensures that your data is protected and secure.