O que mais vale a pena: Imóveis ou tesouro direto? Corretor só quer saber de comissão?

A subscriber left me a harsh comment: he said that buying property is a huge mistake and that I, as a real estate agent, am only after the commission. In today's video, I decided not to ignore this criticism. I put the comment on the screen and responded face to face. Is he right? IS IT POSSIBLE TO FINANCE AN APARTMENT WITH TOTAL SEPARATION OF ASSETS, WITHOUT USING THE SPOUSE'S NAME? To make the purchase alone, the wife must meet these conditions: Own income: She must prove that she earns enough to pay the installments on her own. Installment limit: The monthly payment of the financing cannot exceed 30% of her net income. Credit analysis: The bank will only consult the wife's CPF (Brazilian tax identification number) and credit history. Separate ownership: The apartment will be registered exclusively in her name. The Husband's Role in the Contract: Although his name is not used for credit analysis or property deeds, Brazilian law requires a formality: Acknowledgement of Signature: The husband will need to sign the financing contract. Not a Guarantor: This signature serves only to ensure the bank is aware of the transaction. No Liability: He does not become a debtor, does not assume the debt, and has no right to the property. Signature Exception: Some private banks waive the spouse's signature in cases of complete separation, but Caixa Econômica Federal generally requires it. 🔑 Our website: https://keyserimoveis.com.br/ Jônatas Pires CRECI: 225.847-F CRECI: 050094-J CNAI: 35498 Whatsapp: +55 13 98207-1602 (Keyser Imóveis) A NEW METHOD OF SELLING REAL ESTATE