How to Get Your First Apartment with Just R$1,000 Down Payment

[00:01] how you can get your first brand- new apartment with just R$1,000 sounds crazy, but I'll show you how it all works. So, oh, after this video means you'll own your own home, because this isn't

[00:15] own home, because this isn't bait, it's not a prank. Let's go. You know, those who follow me on this channel know that I'm not like those coaches

[00:28] you have to rent because the money from the property is much more worthwhile invested, okay?" No, I like, I like buying, for me it was a great living and for investment, okay? If you follow me here or on my

[00:41] houses, I live in all three houses, but it's not strategy, I need to be in those three places. So, for me it worked super well. It's expensive, but it's not a lot of money sitting idle . Yes, but at the same time the houses

[00:55] appreciated a lot. There are houses that I bought, man, for three times less than the value. They are now costing almost three times more. My house in California house, well, don't even get me started. So, for me it was a very

[01:08] n't have been able to make if I had invested the day before. No. It would. And man, I defend renting online. People say that if you rent and use pay the rent and still have some left over, right? But the reality, man, is that few people have the

[01:21] Besides that, man, paying rent has a hidden fee that financing and you'll pay double the amount just in interest. Is that really a this spreadsheet I made. Let's go. I considered a property worth R$300,000 with

[01:35] a monthly payment of R$ [amount missing]. Both financing and rent. This just to illustrate the math for you, okay? And the financing has a fixed rate, meaning either the payment decreases over the years or it stays the same

[01:49] it can't increase. Something that few people talk about is that rent has an annual adjustment, which I considered to be 5%. And Look, I was even being optimistic about this adjustment , because rent adjustments are way above that rate, right? It's

[02:01] varying around 7 or 8%, because we know that in Brazil the situation is much worse. Like in 2020 and 2021, things went up more than 30%, but I won't even consider that to avoid being unfair, okay? But just so you understand, it's absurd. Well,

[02:13] in year one we pay R$15.00 in rent and R$1,500 in installments. That's fine, the same thing, but the following year we already have an adjustment. Then the annual difference goes to R$900. It's a difference, but not that big. Do you agree? But

[02:26] things get worse. In year 10, the accumulated difference is already R$46,402. That's because our installment remains R$0.00 and the rent has already undergone several R$0.00 and the rent has already undergone several adjustments, reaching R$2,327. [Music]

[02:39] In year 20, man, things get crazy. R$3,790 in rent versus R$... man. Look at that. The total difference is already over R$200,000. And man, at this

[02:52] point in your journey, you almost have a new apartment, right? But So, in the end, we finance an apartment for R$300,000 and actually pay R$540,000. But if we just stay in the rent, we pay over

[03:05] is it worth it, man? I do n't think so, right? And I haven't even talked about the property's readjustment, OK? Which is what I talked about at the beginning of this video. years, man, the property we paid R$ 300,000 for is worth at least what we

[03:19] think it makes sense to say that renting is worthwhile. And you can see that whoever recommends this on the internet usually owns a house. I don't I'm talking about. Whoever tells

[03:31] you this, do your research, the guy can see it, right? It's not worth it, man. own home. It doesn't make sense, right? Okay, but spreadsheet, okay? Here on the second page I put, look, final result after 30 years. In

[03:46] look, final result after 30 years. In rent we pay R$ 1,195.99 and have a total of R$ 0 in assets. If we finance for 30 years, we will have paid R$ 540,000 for the R$ 300,000 apartment, but we

[03:59] will at least have the amount paid in assets, right? That is, if not more, more. In other words, if we could get the property, even paying interest... Renting would have cost us R$ 655,000 more than necessary, but we'd still end up empty-handed.

[04:13] So the total exceeds R$ 1 million. Okay? I think that's clear, right? Okay, but how do I do it? How do I get an apartment? Or are you still reached the amount yet? Stay calm, because now I'm going to give you the solution. Of

[04:25] certain criteria, but I'm going to show you everything here so you can get your brand you're still working on it, you'll get your brand new apartment. Stay with me. understand the Minha Casa, Minha Vida program. And before you think it's

[04:38] look at these apartments that are passing by on the screen. Take a look. That's what Interested in these apartments? And the first mistake everyone makes is has several... Categories. So you can have an apartment in a prime area of

[04:52] in my house, my life, is the government's help with credit. But of course, right? The higher the standard of the property you want, the more expensive it will be. One thing property is just the first step. It's not ideal, it's not always in the location

[05:06] renting, stops you from losing money, and gives you assets, man. Assets. Remember that word? And guys, 2026 is shaping up to be the best year for the Minha Casa, Minha Vida program. Because the government injected billions of reais into it

[05:20] are joining the program, that more people are able to buy, and that you if you don't think so, check this out . Families with an income of up to R$ 13,000 can also buy properties up to R$ 600,000. Man, I said a

[05:36] a property worth R$600,000. If you earn R$3,000, R$4,000, R$5,000, R$6,000, you're included. It's up to R$0,000, OK? In other words, now it's including many more the family income, the more benefits the government gives. But there are benefits for

[05:52] what are the benefits? One of them is much lower interest rates. Outside of MCMV, which is "Minha Casa, Minha Vida" (My House, My Life), mortgage financing is above 13%, 14% per year. Through MCMV, man, it starts at 4% per year, man. Seriously, seriously, man, it's lower than

[06:08] rent adjustment I put here, which was already optimistic, man. I put the annual rent adjustment at 5%, man. MCMV is at 4% per year. cheaper. And the good thing is that they're fixed, right? They don't change according to the Selic rate, you know? If

[06:24] this also increase? It's not fixed. Another benefit is the use of FGTS (Brazilian employee severance fund). If you have a accumulated FGTS to supplement the down payment. Even FGTS from previous jobs withdraw that money that's just sitting there to buy your apartment. For

[06:39] government subsidies. What do you mean, Petro? The government gives you financial aid that can reach R$55,000. And this money can be used directly those with a family income of less than R$ 4,000. If you are married, for example,

[06:53] subsidy, it needs to be less than R$ 4,000. And there's also the benefit I'm going to tell you about now: installment payments for the down payment. Let's talk about numbers, get into trouble. You lose. When you buy a property, Caixa Econômica Federal finances up to

[07:07] 80% of the property's value. The other 20% is the down payment. But if you're close to the truth, you know that 20% of R$ 220,000, or R$ 1,000, for example, would be R$ would buy with less than R$ 1,000 down payment and now you're talking about R$ 44,000.

[07:22] Calm down, young man. Young man, the best strategy is to buy a property off-plan through the MCMV program. This is the great trick for those who don't have the down payment saved. Why? Because this way you pay the 20% down payment in installments

[07:34] during the period the apartment is being built. You pay the down payment in installments. For example, if there are 2 years left until the developer delivers the property, you can pay R$ 44,000 in 24 installments. Ah, Pedro, how am I going to buy off-plan? "Do

[07:46] another good question, guys. Most people who buy off-plan pay allocate a portion of your income to that, OK? Just like you'd have to like you save to buy a car, to make a monthly investment, there's no

[08:00] , right? You have to tighten your belt, organize things, get some , for example, killing yourself researching, searching, understanding the starting, you can simply talk to the people at Livar. I've already mentioned

[08:13] know, Livar is a digital platform They have relationships with all new developments throughout the city of São Paulo, as well as regions of Rio de Janeiro, Salvador, Porto Alegre and

[08:25] Recife. And now they are arriving in new cities in the Northeast and also in the a map will appear on the screen showing all the cities where they are present." New expansions include, look here, Ceará, Goiânia, and even the interior of São

[08:38] Preto, Jaú, São José do Rio Preto, and many more. Listen up, folks, there are developments, and their service is completely free for you. No Listen up, man. They make money from apartment sales. Every

[08:52] embedded in the price. If you buy directly from the construction company, the company's brokers will receive the commission. If you buy through Livar, they service is free, and that's why they always strive to close the

[09:05] want you to close the deal. And the best part is, Livar fights for the Check out how simple it is to use their service. You contact them through the link in the description, tell them where you want to live, how much you earn, what

[09:18] what are they going to do? They'll calculate how much financing they'd approve for you, what your subsidy would be, and which apartments apartments, right? You just provide information and they take care of the rest.

[09:31] allow installment payments for the down payment. You pay the down payment in installments and [music] They handle all the processes of the " Minha Casa, Minha Vida" program, all the developer, man, they do everything. They'll accompany you through absolutely

[09:46] the entire process, from the property listing to signing the contract, without you paying anything, peace of mind for you to stop renting, right? The contact information is in the description, in the first pinned comment. Go check it out, don't waste time buying your

[09:59] here. We're talking about a client bought an apartment in Butantã with a balcony in the west zone of São Paulo. Okay? The value of this property is R$ 275,000. And look at this important detail.

[10:12] Delivery is scheduled for 30 months from now . That is, the client has two and a practically the entire down payment in installments throughout the construction. Man, tell me that doesn't make it understand this flow in practice. First point, the act. To reserve the

[10:26] apartment, the client only needed to pay R$ 400 upfront. If you have R$ 400, then you can reserve the apartment. Exactly, man. [music] R$ 400 to not enough to buy a piece of furniture. Well, after that, the second part,

[10:39] which are the payments made before the delivery of the keys. In this case, there were 30 installments of R$ 699. So, for the next 30 months, they will be paying less construction company. We're talking about Okay, man, R$23 a day, OK? Without having to

[10:55] . Plus, there are the so-called intermediate installments, [music], right? specific points in the construction. In this case , there were two intermediate installments of R$. In other words, the down payment is spread out over time. It starts at R$400,

[11:11] then you pay monthly installments below R$700, and you also distribute small tell me you can't afford that if you organize yourself properly. You can afford it, right? And this client didn't even use FGTS or subsidies, okay? If you

[11:24] along with it, man. There are a lot of people who sell a car, combine it with the subsidy plus the FGTS, and the next day they're living in a brand new apartment. OK? Now comes the the down payment, the financed balance was approximately R$

[11:38] 220,000 through Caixa. Brazilian Federal Savings Bank (Economic Federal), financed in up to 420 months, the famous 35 years. The initial installment of this deal was around R$405 per Did you notice how everything changes when you understand the flow, man? You look at it and you

[11:53] but it's not just interest or all bad luck, like many people portray it, right? because you simply didn't have access to this information. Many people look at a property for R$275 and already need to have tens of thousands of reais in their account

[12:06] most people don't have that kind of money. Luckily, in practice it doesn't work important to make this type of video for you, you know? And that's exactly why today many people are able to get ahead even without having a huge amount saved.

[12:19] point on the channel. Of course, each case is different, but this example here is... This is a real purchase works in practice. There's no mystery, guys, okay? Just take the to contact the Livar team is in the description and in the first

[12:33] Send them a message and talk to them, okay? There's no catch, it's you can finance a new apartment, you never know, right? This changes lives, guys, for you liked it, comment below. It will be very important for us to know that

[12:47] valuable video to you. We're always together. I hope to see you in the next video, subscribe there, okay? Until next time, guys.