(she is advantageous this purchase modality) Financings that obey the rules of use of the FGTS, the values are very competitive between the private banks and public, the suggestion is makes a simulation in some banks and negotiates to save a considerable amount. Intending to use the siking fund through a credit letter, a property of value of R$ 80,000, 00 with guarantee of financing of 80% for the CEF it leaves to the installment for return of R$ 653,20, but this type of credit has many rules and restrictions. The credit is more easy for system SBPE (CEF), letter of credit, being able post-fixed or to be predetermined, advises the predetermined one to prevent surprises in the value of the installment in this category the CEF finances a property of R$ 80 a thousand, with 1 installment R$ 954,30, with gradual reduction, tax of interests charged effective of 12,8574%, whereas in a private bank the value of the best tax in the equal system leaves for R$ 753,68 for month, also with fall gradual, with tax it accomplishes 12.73%, the numbers are deceptive, therefore, it always analyzes when acquiring a real estate financing the total value of the financial spread sheet, requests before signing any contract. (removed data of the site of the CEF and a private bank) When buying the property if does not forget that other expenditures exist, as taxes approval of the credit, evaluation of the property, notarial expenditures, amongst others, therefore, part to describe the relative expenditures of that financial institution. The addition of the age and stated period of financing cannot exceed 80 years, example: the person has 58 years, can finance a property in up to 22 years. To buy a property demands caution, does not buy for impulse, remembers the bureaucratic part, verifies as the property will be set free, which is the stages of the process, which the stated period of each one of them and to remember always to respect its money, therefore it searches, pechinche, it negotiates and it makes optimum business. Success for its purchase!