If you are looking for a way to achieve your dream of owning your own home, this is your moment! In this video, I will help you take the first steps to finance your home, the types of down payments you can use, and all the costs you will incur throughout the process! Owning your own home: The priority for 31% of Brazilians in 2024, according to the Radar Febraban survey. The dream of many people, the lifelong desire of many Brazilians. A home, a little corner to call your own and have security. In reality, it is not just a desire, it is a right. Article 6 of the Brazilian constitution provides for housing as a right under the common jurisdiction of the Union, states, and municipalities. It is a right that was present in the drafting of the constitution and was expanded in 2000. 5 ways to make a down payment on your own home, I will explain each one: • Loan: Some people need to resort to a loan in order to make a down payment on a home loan. But here we are talking about a person who will have to pay two installments with two different interest rates. • Selling an asset: Another method that we see a lot is when someone has an asset and can sell it to get the down payment. This could be a car, a motorcycle, another property… Some asset that generates or helps with the total amount needed for the down payment. • Negotiating an installment plan: Depending on how and where you buy the property, you can negotiate so that the down payment is paid in installments directly to the seller or the real estate agency, without the need for a loan from a bank, for example. • Using FGTS to make a down payment on the property: This is perhaps the most common way to make a down payment on the property, which is using FGTS. The Severance Pay Fund is registered and regulated by the Consolidation of Labor Laws (CLT). It can be withdrawn in the event of dismissal without just cause, end of contract or termination, and retirement. In relation to real estate, it can be used to purchase or pay off the financing amount. • How to make a down payment on Minha Casa, Minha Vida: Another way to get through this process and make your dream of owning your own home come true in a more realistic way is through the Minha Casa, Minha Vida program. It is the largest housing program in Brazil and benefits many people. The program has been running for 15 years and has delivered 7.7 million homes. And it doesn't stop there! I've detailed all the other costs you'll have to pay when buying your property: • Appraisal fee • Public deed • ITBI • Property registration I decided to share all this content with you in an accessible way, with lots of simulations, everything well explained and designed so you can understand and decide which path is best for you! Discover the types of down payments available to take the first step on this journey. Don't waste time, watch now! To help you with the entire process of financing your own home, I created the "Conquering your own home" series on Nath Play! See the topics in the series: 1. Owning your own home: turning your dream into a goal 2. Renting or financing? 3. All about real estate financing 4. My house, my life 5. All about real estate consortium 6. Amortizing financing 7. Essential items to set up your home 8. Financing rates and interest 9. Advantages and disadvantages of renting 10. Advantages and disadvantages of financing 11. Advantages and disadvantages of forming a consortium 12. Documents and fees at the notary's office 13. Is auction property worth it? 14. Rates and interest of Minha casa Minha vida 15. Types of down payment: Is it possible to finance without a down payment? ???? All of this content is exclusive to my education platform, Nath Play! Subscribe for R$12.90 per month - https://www.nathfinancas.com.br/nathp... ???? MY SOCIAL NETWORKS: ????Instagram: / nathfinancas ????Twitter: / nathfinancas ????Facebook: / nathfinancas ????TikTok: / nathfinancas #nathfinancas #financing #rentorbuy #ownhome