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Comprar um apartamento novo ou usado •
Autor: Conecta Reforma

Na hora de comprar seu apartamento, existem uma série de decisões que terá que levar em conta, como custo, financiamento, localização, tamanho, comodidade e tempo para se mudar.

O apartamento novo, pode às vezes custar o dobro de um usado com mesma metragem e localização, mas ainda é uma opção bastante escolhida, pois é o que costuma ter maiores facilidades para financiamento. Costuma-se cobrar, no mínimo, 20% de entrada e as parcelas podem chegar a 30 anos.

Lembre-se, porém, que quanto mais longo o financiamento, mais você estará pagando para ter o imóvel, pois os juros cobrados podem dobrar o valor final. Por isso, pode ser uma boa opção juntar o máximo que puder para dar uma boa entrada e tentar antecipar as últimas parcelas.

Como o preço significa uma enorme diferença entre o novo e usado, muitas pessoas optam por ir para bairros mais afastados, podendo assim adquirir um imóvel novo a um menor custo. É importante ter em mente as consequências disso, como por exemplo, passar mais tempo no carro para ir e voltar do trabalho ou mesmo, morar em bairros com um menor nível de segurança pública.

Outra opção para compensar a diferença de preço pode ser a de ter de escolher um imóvel com metragem menor do que se gostaria, mas é sempre importante pensar quanto tempo se pretende ficar nesse imóvel, pois caso pense em aumentar a família, já seria interessante fazer a compra pensando nessa maior necessidade de espaço.

Outro item que encarece bastante um apartamento novo se refere às comodidades que os prédios oferecem, como academia, piscina, salão de festa, sauna, etc. A maioria das pessoas deixam brilhar os olhos no momento da primeira visita a esses prédios, mas muitas vezes sequer usam essas amenidades ao decorrer da vida. Por isso, é importante analisar se realmente irá fazer essa utilização ou se é apenas um impulso de compra.

Por fim, tempo é também um fator interessante na comparação, pois terá que ter paciência ao escolher um apartamento novo porque é possível que tenha que dar de entrada centenas de milhares de reais para uma compra que só poderá usufruir mesmo daqui cerca de dois anos (casos de apartamento na planta).  Caso esteja precisando se mudar com agilidade, esse pode ser um empecilho que, no mínimo, deixaria tudo mais oneroso, pois seria preciso alugar um apartamento enquanto se espera o comprado ficar novo.

Agora, entrando um pouco na questão da reforma:

Comprar um apartamento novo já é tão custoso que muitas pessoas esquecem que ainda podem ter que injetar mais dezenas ou até centenas de milhares de reais para reformar o apartamento. Muitas construtoras entregam o apartamento com o mínimo possível, para que assim o comprador monte o apartamento a seu gosto. Um apartamento zerado sempre terá que ser mobiliado e essa é provavelmente a parte mais cara dos materiais que entrarão na sua casa.

Levando em conta então, que a reforma em um apartamento novo pode custar bem mais do que no usado, que já terá vários custos incorridos, pode ser uma boa escolha a de comprar um imóvel usado. O apartamento usado pode já contar com vários itens com possibilidade de serem aproveitados, deixando apenas alguns outro para mudança, conforme seu gosto. Os apartamentos usados que mais necessitam de reforma, costumam ser aqueles que mais oferecem oportunidades financeiras. Algumas pessoas, inclusive, fazem fortuna identificando imóveis que estão com preço muito abaixo, mas que com uma boa reforma, pode ter uma valorização financeira.

Independente de qual será sua escolha de investimento, novo ou usado, a Conecta Reforma pode te ajudar bastante quando for fazer a sua tão sonhada reforma. Contamos com uma rede de profissionais bem avaliados e conseguimos que, de uma forma conveniente, você receba vários orçamentos, para que possa selecionar o melhor custo-benefício. Lembre-se que, quando se trata do seu sonho, não se pode abrir mão de qualidade e economia. Por isso, conte com a gente para te ajudar nessa empreitada!

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