{"id":1029,"date":"2024-07-08T15:19:24","date_gmt":"2024-07-08T18:19:24","guid":{"rendered":"https:\/\/financiarimoveis013.com.br\/?p=1029"},"modified":"2025-08-27T09:51:09","modified_gmt":"2025-08-27T12:51:09","slug":"por-que-as-taxas-imobiliarias-nao-caem-junto-com-a-selic","status":"publish","type":"post","link":"https:\/\/financiarcreditoimob.com.br\/?p=1029","title":{"rendered":"Por que as Taxas Imobili\u00e1rias N\u00e3o Caem Junto com a Selic?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1029\" class=\"elementor elementor-1029\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-082f136 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"082f136\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2397219\" data-id=\"2397219\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6106a3a elementor-widget elementor-widget-heading\" data-id=\"6106a3a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Por que as Taxas Imobili\u00e1rias N\u00e3o Caem Junto com a Selic?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-03a00ef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"03a00ef\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9c956f7\" data-id=\"9c956f7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c4d3a6f elementor-widget elementor-widget-text-editor\" data-id=\"c4d3a6f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Com a s\u00e9tima queda da taxa Selic, agora em 10,50% ao ano, muitos consumidores esperam que as taxas de financiamento imobili\u00e1rio tamb\u00e9m acompanhem esse movimento. No entanto, \u00e9 comum observar um intervalo de tempo significativo entre a diminui\u00e7\u00e3o da Selic e o reflexo disso no cen\u00e1rio imobili\u00e1rio.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ac50061 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ac50061\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b4899af\" data-id=\"b4899af\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4bd2781 elementor-widget elementor-widget-image\" data-id=\"4bd2781\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"960\" height=\"540\" src=\"https:\/\/financiarcreditoimob.com.br\/wp-content\/uploads\/2024\/07\/rendimento-selic-no-tesouro-nacional.jpg\" class=\"attachment-large size-large wp-image-1032\" alt=\"\" srcset=\"https:\/\/financiarcreditoimob.com.br\/wp-content\/uploads\/2024\/07\/rendimento-selic-no-tesouro-nacional.jpg 960w, https:\/\/financiarcreditoimob.com.br\/wp-content\/uploads\/2024\/07\/rendimento-selic-no-tesouro-nacional-300x169.jpg 300w, https:\/\/financiarcreditoimob.com.br\/wp-content\/uploads\/2024\/07\/rendimento-selic-no-tesouro-nacional-768x432.jpg 768w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4dac29e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4dac29e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7bbaacf\" data-id=\"7bbaacf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9d06317 elementor-widget elementor-widget-text-editor\" data-id=\"9d06317\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Segundo Fernanda Rodrigues Ribeiro, executiva de investimentos imobili\u00e1rios da Midrah, a queda imediata da Selic resulta em um barateamento do cr\u00e9dito, permitindo acesso a mais empr\u00e9stimos e negocia\u00e7\u00f5es de cons\u00f3rcios com pre\u00e7os mais acess\u00edveis. Entretanto, as taxas de financiamento imobili\u00e1rio apresentam um delay, um atraso de tr\u00eas a seis meses em rela\u00e7\u00e3o \u00e0 Selic. Mesmo assim, os indicadores mant\u00eam certa sintonia.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-051b202 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"051b202\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-91c7653\" data-id=\"91c7653\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f3679c1 elementor-widget elementor-widget-heading\" data-id=\"f3679c1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Por que existe esse delay?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-555ba7a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"555ba7a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-00ba664\" data-id=\"00ba664\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5f23e02 elementor-widget elementor-widget-text-editor\" data-id=\"5f23e02\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Ant\u00f4nio Sanches, analista da Rico, explica que a taxa de juros imobili\u00e1rios \u00e9 menos vol\u00e1til e demora mais para responder \u00e0s mudan\u00e7as na Selic. &#8220;Do final do ano para agora, os juros imobili\u00e1rios cederam, mas de forma menos percept\u00edvel ao comprador. Essas taxas se movimentam menos e levam tempo para impactar de forma vis\u00edvel,&#8221; comenta Sanches.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0db7453 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0db7453\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fa5f6d0\" data-id=\"fa5f6d0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8496eae elementor-widget elementor-widget-image\" data-id=\"8496eae\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"513\" src=\"https:\/\/financiarcreditoimob.com.br\/wp-content\/uploads\/2024\/07\/WhatsApp-Image-2024-05-09-at-12.13.01-1024x513.jpeg\" class=\"attachment-large size-large wp-image-1030\" alt=\"\" srcset=\"https:\/\/financiarcreditoimob.com.br\/wp-content\/uploads\/2024\/07\/WhatsApp-Image-2024-05-09-at-12.13.01-1024x513.jpeg 1024w, https:\/\/financiarcreditoimob.com.br\/wp-content\/uploads\/2024\/07\/WhatsApp-Image-2024-05-09-at-12.13.01-300x150.jpeg 300w, https:\/\/financiarcreditoimob.com.br\/wp-content\/uploads\/2024\/07\/WhatsApp-Image-2024-05-09-at-12.13.01-768x385.jpeg 768w, https:\/\/financiarcreditoimob.com.br\/wp-content\/uploads\/2024\/07\/WhatsApp-Image-2024-05-09-at-12.13.01.jpeg 1183w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9c738ed elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9c738ed\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d70d5be\" data-id=\"d70d5be\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7e75402 elementor-widget elementor-widget-text-editor\" data-id=\"7e75402\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>O cen\u00e1rio econ\u00f4mico do Pa\u00eds \u00e9 um dos principais fatores que explicam esse atraso. A expectativa de queda na Selic em um ciclo de cortes demora a ser sentida no mercado imobili\u00e1rio devido \u00e0 necessidade de estabiliza\u00e7\u00e3o econ\u00f4mica. Fernanda Ribeiro destaca que &#8220;nem a infla\u00e7\u00e3o se reflete de imediato. Tudo que se refere ao indicador demora, e a transmiss\u00e3o ao financiamento \u00e9 lenta porque os bancos precisam repassar essa queda ao consumidor final. \u00c9 uma quest\u00e3o de oferta e demanda.&#8221;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-aaba354 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"aaba354\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e3b1227\" data-id=\"e3b1227\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-59cfcf9 elementor-widget elementor-widget-heading\" data-id=\"59cfcf9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">O cr\u00e9dito n\u00e3o fica mais barato?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4eab061 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4eab061\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a5fa435\" data-id=\"a5fa435\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-32190e4 elementor-widget elementor-widget-text-editor\" data-id=\"32190e4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Apesar do Comit\u00ea de Pol\u00edtica Monet\u00e1ria (Copom) continuar com o ciclo de cortes na Selic, trazendo mais oportunidades ao cr\u00e9dito, essa redu\u00e7\u00e3o ainda sofre um atraso de tr\u00eas a seis meses para impactar as taxas de financiamento imobili\u00e1rio. Isso significa que os investidores ainda v\u00e3o demorar para sentir os efeitos dessa mudan\u00e7a.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e3138a0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e3138a0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d206afc\" data-id=\"d206afc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5056bb6 elementor-widget elementor-widget-text-editor\" data-id=\"5056bb6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u201cCom a taxa Selic baixa, h\u00e1 um est\u00edmulo ao cr\u00e9dito barato, o que \u00e9 interessante para o consumidor e o investidor imobili\u00e1rio. Eles conseguem fazer melhores negocia\u00e7\u00f5es, obtendo cr\u00e9dito e empr\u00e9stimos mais baratos. Se a taxa sobe, o cr\u00e9dito encarece, desestimulando o investidor de im\u00f3veis a pegar empr\u00e9stimos ou cons\u00f3rcios,\u201d explica Ribeiro.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b61bb58 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b61bb58\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fbee94d\" data-id=\"fbee94d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2d4c2c4 elementor-widget elementor-widget-text-editor\" data-id=\"2d4c2c4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Gostou do conte\u00fado? Junte-se a Financiar Im\u00f3veis e simplifique o processo de financiamento para seus clientes. Entre em contato com nossos agentes pelo telefone (13) 3500-6921 ou fa\u00e7a-nos uma visita para uma conversa em nosso escrit\u00f3rio, localizado na<a href=\"https:\/\/www.google.com\/maps\/place\/Financiar+Im%C3%B3veis\/data=!4m7!3m6!1s0x68b2d307005bd531:0x11dc6047bd592b5c!8m2!3d-23.9556563!4d-46.3359221!16s%2Fg%2F11kj2zjv6z!19sChIJMdVbAAfTsmgRXCtZvUdg3BE?authuser=0&amp;hl=pt-BR&amp;rclk=1\"> Rua Esp\u00edrito Santo, 121.<\/a><\/p><p>Estamos aqui para descomplicar e facilitar o caminho rumo \u00e0 conquista do im\u00f3vel desejado. Aguardamos seu contato!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Por que as Taxas Imobili\u00e1rias N\u00e3o Caem Junto com a Selic? Com a s\u00e9tima queda da taxa Selic, agora em 10,50% ao ano, muitos consumidores esperam que as taxas de financiamento imobili\u00e1rio tamb\u00e9m acompanhem esse movimento. No entanto, \u00e9 comum observar um intervalo de tempo significativo entre a diminui\u00e7\u00e3o da Selic e o reflexo disso &#8230; <a title=\"Por que as Taxas Imobili\u00e1rias N\u00e3o Caem Junto com a Selic?\" class=\"read-more\" href=\"https:\/\/financiarcreditoimob.com.br\/?p=1029\" aria-label=\"Read more about Por que as Taxas Imobili\u00e1rias N\u00e3o Caem Junto com a Selic?\">Ler mais<\/a><\/p>\n","protected":false},"author":1,"featured_media":1033,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"class_list":["post-1029","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-corretor-de-imoveis"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Por que as Taxas Imobili\u00e1rias N\u00e3o Caem Junto com a Selic?<\/title>\n<meta name=\"description\" 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