{"id":176,"date":"2026-04-07T22:15:29","date_gmt":"2026-04-08T01:15:29","guid":{"rendered":"https:\/\/projetos.unias.com.br\/criacao\/?p=176"},"modified":"2026-04-12T21:47:57","modified_gmt":"2026-04-13T00:47:57","slug":"como-calcular-o-valor-real-do-seu-home-equity","status":"publish","type":"post","link":"https:\/\/projetos.unias.com.br\/criacao\/como-calcular-o-valor-real-do-seu-home-equity\/","title":{"rendered":"Como calcular o valor real do seu Home Equity"},"content":{"rendered":"\n

Calcular o Home Equity \u00e9 simples, mas exige precis\u00e3o.<\/p>\n\n\n\n

F\u00f3rmula b\u00e1sica:<\/strong> Home Equity = Valor de Mercado do Im\u00f3vel \u2013 Saldo Devedor (se financiado)<\/strong><\/p>\n\n\n\n

Passo a passo:<\/strong><\/p>\n\n\n\n

    \n
  1. Obtenha uma avalia\u00e7\u00e3o profissional do im\u00f3vel (pode ser feita pelo banco ou por avaliador certificado).<\/li>\n\n\n\n
  2. Verifique o saldo devedor caso ainda haja financiamento.<\/li>\n\n\n\n
  3. Aplique o LTV (Loan to Value): geralmente 50-60% do valor avaliado.<\/li>\n<\/ol>\n\n\n\n

    Exemplo pr\u00e1tico:<\/strong> Im\u00f3vel avaliado em R$ 1.000.000,00 sem financiamento \u2192 at\u00e9 R$ 600.000,00 de cr\u00e9dito. Im\u00f3vel avaliado em R$ 1.000.000,00 com R$ 300.000,00 de saldo devedor \u2192 Equity l\u00edquido = R$ 700.000,00 \u2192 at\u00e9 R$ 420.000,00 de cr\u00e9dito.<\/p>\n\n\n\n

    Fatores que influenciam:<\/strong> localiza\u00e7\u00e3o, estado de conserva\u00e7\u00e3o, liquidez e documenta\u00e7\u00e3o. Im\u00f3veis em grandes capitais costumam ter melhor LTV.<\/p>\n\n\n\n

    Use simuladores online dos bancos para ter uma estimativa inicial, mas a avalia\u00e7\u00e3o oficial define o valor final.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Calcular o Home Equity \u00e9 simples, mas exige precis\u00e3o. F\u00f3rmula b\u00e1sica: Home Equity = Valor de Mercado do Im\u00f3vel \u2013 Saldo Devedor (se financiado) Passo a passo: Exemplo pr\u00e1tico: Im\u00f3vel avaliado em R$ 1.000.000,00 sem financiamento \u2192 at\u00e9 R$ 600.000,00 de cr\u00e9dito. Im\u00f3vel avaliado em R$ 1.000.000,00 com R$ 300.000,00 de saldo devedor \u2192 Equity […]<\/p>\n","protected":false},"author":1,"featured_media":172,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[79],"tags":[],"class_list":["post-176","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mercado-imobiliario"],"yoast_head":"\nComo calcular o valor real do seu Home Equity - Cria\u00e7\u00e3o<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/projetos.unias.com.br\/criacao\/como-calcular-o-valor-real-do-seu-home-equity\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Como calcular o valor real do seu Home Equity - Cria\u00e7\u00e3o\" \/>\n<meta property=\"og:description\" content=\"Calcular o Home Equity \u00e9 simples, mas exige precis\u00e3o. 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