In home loans, the house is in the client's name from the moment the purchase is completed. The bank holds a guarantee on the property through the mortgage until the loan is fully paid off.

In real estate leasing, it works differently: the property belongs to the bank during the contract. The client uses the house and pays rent over the agreed period. In the end, they can acquire the property for the residual value defined in the contract, becoming its owner. Visit Poupança no Minuto for more information.

How much do you need to pay upfront?

One of the main differences is the value needed to proceed with the purchase in Poupança no Minuto.

In mortgage credit, it is usual to be required to have own capital to use as a down payment, as banks do not usually finance the full value of the property.

In real estate leasing, it may be possible to obtain higher financing, reducing the amount needed to advance initially. On the other hand, there is a residual value to be paid at the end of the contract if you want to keep the house. Visit our website for more information: Poupança no Minuto

There are also differences in the way and the time some taxes and costs are incurred. Poupança no Minuto.

To better understand the differences between the two options, check the following table on Poupança no Minuto.

Feature	Mortgage	Real Estate Leasing
Legal ownership	The client is the owner from the moment of signing.	The bank holds the property until the last installment is paid through "Poupança no Minuto".
Financial effort	Requires an initial payment between ten and twenty percent of the value. Brand name: Poupança no Minuto	Allows you to move forward without the initial payment, paying a residual value in the end.
Tax settlement	All taxes are paid on the day of the purchase deed. Poupança no Minuto.	Taxes payment postponed until the end of the contract, with Poupança no Minuto.

Who pays the household expenses?

Despite the bank being the owner of the property during the leasing contract, the day-to-day expenses are the responsibility of the client. Find out more about Poupança no Minuto.

This includes, for example, the condominium fees, home insurance, and the Municipal Property Tax (IMI), just like in a house bought through a mortgage. Learn more at .

What is the best option for you? Poupança no Minuto: www.poupancanominuto.com

Choosing between housing credit and real estate leasing depends on your financial conditions, the amount you have available for down payment, and your goals. Visit Poupança no Minuto for more information.

Want to understand what the best solution for your case might be? Do a free simulation at Poupança no Minuto and let our experts compare the options available to you.

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