{"id":1095,"date":"2025-11-13T19:18:08","date_gmt":"2025-11-13T19:18:08","guid":{"rendered":"https:\/\/zapfling.com\/?p=1095"},"modified":"2025-11-13T19:18:11","modified_gmt":"2025-11-13T19:18:11","slug":"reforma-casa-brasil","status":"publish","type":"post","link":"https:\/\/zapfling.com\/fr\/reforma-casa-brasil\/","title":{"rendered":"R\u00e9novation de maison au Br\u00e9sil\u00a0: D\u00e9couvrez comment r\u00e9nover votre maison avec un revenu allant jusqu\u2019\u00e0 1\u00a0400\u00a0000\u00a0R$"},"content":{"rendered":"<h2 class=\"wp-block-heading\">En moins de 10 minutes, vous d\u00e9couvrirez\u00a0:<\/h2>\n\n\n\n<ul>\n<li>Programmes de financement;<\/li>\n\n\n\n<li>Conseils pratiques pour r\u00e9nover votre maison\u00a0;<\/li>\n\n\n\n<li>Embauche s\u00e9curis\u00e9e sans compromettre le budget familial ;<\/li>\n\n\n\n<li>Canaux officiels ;<\/li>\n\n\n\n<li>Documents requis ;<\/li>\n\n\n\n<li>De la simulation \u00e0 l&#039;approbation du pr\u00eat.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-lazyblock-credit-card lazyblock-credit-card-ZQj547\"><section align=\"center\" class=\"credit-card mx-5 sm:mx-0 text-gray-600 body-font  my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n  <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n    <div class=\"w-24 h-full\"><\/div>\n  <\/div>\n  <div class=\"container px-5 sm:px-0 py-6 mx-auto\" data-anchor-target=\"lazyBlock\">\n    <div class=\"flex flex-wrap mx-auto\">\n      <a class=\"lg:w-2\/5 w-full lg:pl-6 mt-6 lg:mt-0\" href=\"https:\/\/www.caixa.gov.br\/voce\/habitacao\/reforma-casa-brasil\/Paginas\/default.aspx\" data-analytics-label=\"creditCardImage\" data-action=\"analytics#trackCTA\" >\n        <img decoding=\"async\" class=\"w-full h-64 object-cover object-center rounded\" loading=\"lazy\" alt=\"card\" style=\"height: 190px;\" src=\"https:\/\/zapfling.com\/wp-content\/uploads\/sites\/203\/2025\/11\/Design-sem-nome-17.jpg\">\n      <\/a>\n      <div class=\"lg:w-3\/5 w-full lg:pl-6 mt-6 lg:mt-0\">\n        <h2 class=\"text-sm title-font text-gray-500 tracking-widest uppercase\">\n          Financement        <\/h2>\n        <h1 class=\"text-gray-900 text-3xl title-font font-medium mb-1\">\n          R\u00e9novation de Casa Brasil        <\/h1>\n        <div class=\"flex mb-4 justify-center\">\n          \n                      <span class=\"border inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              R\u00c9FORME            <\/span>\n                      <span class=\"border inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              FINANCEMENT            <\/span>\n                    \n        <\/div>\n        <p class=\"leading-relaxed\">\n          R\u00e9novez votre maison en toute s\u00e9curit\u00e9 et avec planification.        <\/p>\n        <div class=\"flex mt-6 items-center pb-5 border-b-2 border-gray-100 mb-5\">\n          \n        <\/div>\n        <div class=\"flex\">\n          <a data-km2-rewarded=\"true\" style=\"font-size: 13px;\" class=\"hidden animate-fade-in flex m-auto sm:mr-0 sm:ml-auto\" href=\"https:\/\/www.caixa.gov.br\/voce\/habitacao\/reforma-casa-brasil\/Paginas\/default.aspx\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button class=\"uppercase flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-4 focus:outline-none rounded disabled:opacity-50\">\n              JE VEUX EN SAVOIR PLUS\u2026            <\/button>\n          <\/a>\n          <a data-km2-rewarded=\"false\" style=\"font-size: 15px;\" class=\"flex m-auto sm:mr-0 sm:ml-auto\" href=\"https:\/\/www.caixa.gov.br\/voce\/habitacao\/reforma-casa-brasil\/Paginas\/default.aspx\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button id=\"offer-first\" class=\"flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-6 focus:outline-none rounded disabled:opacity-50\">\n              JE VEUX EN SAVOIR PLUS\u2026            <\/button>\n          <\/a>\n        <\/div>\n        <p class=\"text-xs text-gray-500 mt-3 text-center sm:text-right\">\n          Vous serez redirig\u00e9 vers un autre site web        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section><\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>Proc\u00e9dure de candidature \u00e9tape par \u00e9tape \u2014 guide rapide<\/strong><\/h2>\n\n\n\n<ol>\n<li><strong>D\u00e9finir le p\u00e9rim\u00e8tre des travaux.<\/strong><br>\u00c9num\u00e9rez les pi\u00e8ces et les travaux qui seront effectu\u00e9s dans chacune d&#039;elles (par exemple, remplacer le rev\u00eatement de sol de la chambre, refaire la plomberie de la salle de bain, peindre le salon et le couloir).<\/li>\n<\/ol>\n\n\n\n<p>Marquez ce que c&#039;est <strong>priorit\u00e9 technique<\/strong> (fuite, court-circuit, infiltration) et ce que c&#039;est <strong>esth\u00e9tique<\/strong> (peinture, finition).<\/p>\n\n\n\n<ul>\n<li><strong>Prenez des mesures et \u00e9tablissez un budget de base.<\/strong><\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Quelques <strong>mat\u00e9riels<\/strong> (avec une marge de 10% pour les \u00e9v\u00e9nements impr\u00e9vus).<\/li>\n\n\n\n<li>Demande <strong>2 \u00e0 3 devis de main-d&#039;\u0153uvre<\/strong> (Un prix fixe par \u00e9tape permet d&#039;\u00e9viter les surprises).<\/li>\n\n\n\n<li>Pr\u00e9dire <strong>co\u00fbts indirects<\/strong>Benne \u00e0 d\u00e9chets, b\u00e2che, EPI, nettoyage apr\u00e8s travaux.<\/li>\n\n\n\n<li><strong>&nbsp;Acc\u00e9dez \u00e0 la cha\u00eene officielle de la CAIXA (site web\/application).<\/strong><br>Faites le <strong>simulation<\/strong>, en fournissant des informations sur les revenus et les biens de la famille. Le syst\u00e8me indique <strong>gamme<\/strong>, <strong>valeur<\/strong> et <strong>terme<\/strong> probable.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>Envoyez les documents et les photos.<\/strong><br>Ils demandent g\u00e9n\u00e9ralement une pi\u00e8ce d&#039;identit\u00e9 avec photo, une preuve de revenus, une preuve de propri\u00e9t\u00e9 immobili\u00e8re, et... <strong>Photos \u00ab\u00a0avant\u00a0\u00bb<\/strong> pour d\u00e9montrer la n\u00e9cessit\u00e9 d&#039;une intervention.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>Signature num\u00e9rique<\/strong><br>Veuillez examiner attentivement toutes les conditions (montant, dur\u00e9e et modalit\u00e9s de versement). Si vous \u00eates d&#039;accord, signez. <strong>en ligne<\/strong>.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>D\u00e9marrez le projet en toute ma\u00eetrise.<\/strong><\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Achetez des mat\u00e9riaux avec <strong>facture<\/strong>.<\/li>\n\n\n\n<li>Payez les services avec <strong>recettes<\/strong> D\u00e9taill\u00e9 (ce qui a \u00e9t\u00e9 fait, heures\/\u00e9tape).<\/li>\n\n\n\n<li>Faire <strong>points de contr\u00f4le<\/strong> avec chaque phase achev\u00e9e (structure, \u00e9lectricit\u00e9\/plomberie, finitions).<\/li>\n\n\n\n<li><strong>Finaliser et v\u00e9rifier.<\/strong><br>Envoyez les \u00e9preuves finales (photos du r\u00e9sultat final et documents) pour obtenir le d\u00e9blocage. <strong>solde restant<\/strong> et finaliser le processus d&#039;embauche.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qu&#039;est-ce que le programme de r\u00e9novation de Casa Brasil ?<\/strong><\/h2>\n\n\n\n<p>Reforma Casa Brasil est un programme de <strong>Cr\u00e9dit \u00e0 taux d&#039;int\u00e9r\u00eat r\u00e9duits<\/strong> visant \u00e0 <strong>r\u00e9novations, agrandissements et adaptations<\/strong> des logements \u00e0 travers le pays.<\/p>\n\n\n\n<p>L&#039;embauche se fait par le biais de <strong>Cha\u00eenes officielles de CAIXA<\/strong> (site web et application), avec un flux simplifi\u00e9 : vous simulez, envoyez vos donn\u00e9es et documents, signez le contrat num\u00e9riquement et suivez le d\u00e9blocage des fonds pour commencer la construction.<\/p>\n\n\n\n<p><strong>Que peut-on inclure dans sa retraite\u00a0?<\/strong><\/p>\n\n\n\n<ul>\n<li><strong>Mat\u00e9riaux de construction :<\/strong> Tuiles de toiture, rev\u00eatements de sol et muraux, ciment, peintures, articles sanitaires, ferronnerie, c\u00e2blage, conduits, entre autres.<\/li>\n\n\n\n<li><strong>Travail:<\/strong> Ma\u00e7onnerie, plomberie, \u00e9lectricit\u00e9, peinture, assemblage et services professionnels sp\u00e9cialis\u00e9s.<\/li>\n\n\n\n<li><strong>Services techniques :<\/strong> Conception de projet, suivi technique et r\u00e9daction de rapports, le cas \u00e9ch\u00e9ant.<\/li>\n\n\n\n<li><strong>Adaptations et accessibilit\u00e9\u00a0:<\/strong> Rampes, barres d&#039;appui, portes plus larges, \u00e9clairage plus s\u00fbr et autres am\u00e9nagements pour plus de confort et de mobilit\u00e9.<\/li>\n\n\n\n<li><strong>Projets d&#039;expansion :<\/strong> Cr\u00e9er une nouvelle chambre, agrandir la cuisine, int\u00e9grer des espaces ou am\u00e9nager un espace de service.<\/li>\n<\/ul>\n\n\n\n<p>Conseil : Incluez une analyse compl\u00e8te dans votre plan. <strong>\u00e9lectrique<\/strong> et <strong>hydraulique<\/strong>Plut\u00f4t que de simplement remplacer la finition, il est pr\u00e9f\u00e9rable de s&#039;attaquer aux probl\u00e8mes structurels qui causent les fuites, les infiltrations d&#039;eau et les pannes de courant.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qui peut participer ?<\/strong><\/h2>\n\n\n\n<p>Le programme a \u00e9t\u00e9 con\u00e7u pour servir les familles br\u00e9siliennes, avec des r\u00e8gles organis\u00e9es par <strong>tranches de revenus<\/strong>.<\/p>\n\n\n\n<p>Pour le public vis\u00e9 par ce guide, <strong>revenu familial jusqu&#039;\u00e0 9\u00a0600\u00a0R$\/mois<\/strong>les conditions sont les plus avantageuses, avec <strong>versements limit\u00e9s \u00e0 une partie du budget<\/strong> et des d\u00e9lais adapt\u00e9s aux besoins de ceux qui souhaitent effectuer des r\u00e9novations sans pour autant grever leur budget familial.<\/p>\n\n\n\n<p><strong>Qu\u2019est-ce qui est consid\u00e9r\u00e9 comme revenu familial\u00a0?<\/strong> Additionnez les revenus bruts (avant d\u00e9ductions) de tous les membres de la famille qui contribuent aux d\u00e9penses, tels que les salaires, les commissions, les pensions et les revenus fixes.<\/p>\n\n\n\n<p><strong>Important:<\/strong> le <strong>versement mensuel<\/strong> Il est calcul\u00e9 pour s&#039;adapter. <strong>dans vos revenus<\/strong>, emp\u00eachant ainsi le financement de perturber le quotidien de la famille.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Est-ce vraiment sans danger ?<\/strong><\/h2>\n\n\n\n<p>Oui, <strong>pour autant que vous fassiez tout par les voies officielles.<\/strong>.<\/p>\n\n\n\n<p>Le programme est g\u00e9r\u00e9 par <strong>BO\u00ceTE<\/strong>et le voyage est <strong>en ligne<\/strong> Du d\u00e9but \u00e0 la fin.<\/p>\n\n\n\n<p>Quelques pr\u00e9cautions essentielles\u00a0:<\/p>\n\n\n\n<ul>\n<li><strong>Ne payez jamais de \u00ab frais d&#039;inscription \u00bb.<\/strong> N&#039;acceptez m\u00eame pas qu&#039;on vous \u00ab coupe la file \u00bb.<\/li>\n\n\n\n<li><strong>M\u00e9fiez-vous des liens WhatsApp.<\/strong> et des messages promettant une approbation imm\u00e9diate.<\/li>\n\n\n\n<li><strong>Utilisez uniquement le site web et l&#039;application officiels.<\/strong> de CAIXA.<\/li>\n\n\n\n<li><strong>Conservez vos dossiers, courriels et re\u00e7us.<\/strong> pas \u00e0 pas.<\/li>\n<\/ul>\n\n\n\n<p>Tenez \u00e9galement compte de ceci dans votre planification\u00a0: la s\u00e9curit\u00e9 ne se limite pas \u00e0 la protection contre les arnaques\u00a0; il s\u2019agit aussi d\u2019embaucher des professionnels qualifi\u00e9s, d\u2019exiger un budget d\u00e9taill\u00e9 et un calendrier clair.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Comment cela fonctionne en pratique (aper\u00e7u du flux)<\/strong><\/h2>\n\n\n\n<ol start=\"1\">\n<li><strong>Simulation:<\/strong> Veuillez indiquer le revenu de votre famille, les d\u00e9tails de votre propri\u00e9t\u00e9 et le co\u00fbt estim\u00e9 des travaux de r\u00e9novation.<\/li>\n\n\n\n<li><strong>Analyse:<\/strong> CAIXA v\u00e9rifie votre tranche de revenus, calcule la limite et... <strong>versement mensuel compatible<\/strong>.<\/li>\n\n\n\n<li><strong>Documents et photos :<\/strong> envoyer une pi\u00e8ce d&#039;identit\u00e9, un justificatif de domicile et <strong>Images \u00ab\u00a0avant\u00a0\u00bb<\/strong> afin de valider le p\u00e9rim\u00e8tre des travaux.<\/li>\n\n\n\n<li><strong>Signature du contrat :<\/strong> <strong>100% num\u00e9rique<\/strong>Avec s\u00e9curit\u00e9 et inscription.<\/li>\n\n\n\n<li><strong>Cr\u00e9dits de publication :<\/strong> Vous recevez la majeure partie du paiement en amont pour d\u00e9marrer le projet, et le reste apr\u00e8s son ach\u00e8vement et sa v\u00e9rification.<\/li>\n\n\n\n<li><strong>Suivi:<\/strong> Conservez les factures, les re\u00e7us de service et prenez des photos de l&#039;avancement des travaux ; cela acc\u00e9l\u00e8re la derni\u00e8re \u00e9tape.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quels changements surviennent en fin d&#039;ann\u00e9e (et comment en tirer parti)<\/strong><\/h2>\n\n\n\n<ul>\n<li><strong>Calendrier:<\/strong> Profitez des p\u00e9riodes de vacances et de jours f\u00e9ri\u00e9s pour faire les travaux de r\u00e9novation, car il est plus facile de rester \u00e0 la maison pour superviser le chantier.<\/li>\n\n\n\n<li><strong>Budget:<\/strong> Utilisez une partie de votre 13e mois de salaire pour <strong>r\u00e9duire le montant \u00e0 financer<\/strong> (Un acompte plus important = des mensualit\u00e9s plus faibles).<\/li>\n\n\n\n<li><strong>Mat\u00e9riels:<\/strong> appr\u00e9cier <strong>promotions saisonni\u00e8res<\/strong> des magasins de bricolage (rev\u00eatements de sol, peintures, quincaillerie) et planifiez vos achats chez <strong>beaucoup<\/strong> pour obtenir une r\u00e9duction.<\/li>\n\n\n\n<li><strong>Terme:<\/strong> Fixez-vous des objectifs r\u00e9alistes. Les r\u00e9novations sont retard\u00e9es en cas d&#039;insuffisance de mat\u00e9riaux, de d\u00e9cisions en suspens ou de professionnels sans planning.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Comment organiser des travaux de construction (sans stress)<\/strong><\/h2>\n\n\n\n<p><strong>\u00c9tablissez un calendrier par \u00e9tapes.<\/strong><\/p>\n\n\n\n<ol start=\"1\">\n<li>D\u00e9molition\/enl\u00e8vements<\/li>\n\n\n\n<li>Structurel (ma\u00e7onnerie, nivellement)<\/li>\n\n\n\n<li>\u00c9lectricit\u00e9 et plomberie (tuyauterie, bo\u00eetes de d\u00e9rivation, disjoncteurs)<\/li>\n\n\n\n<li>Rev\u00eatements muraux et sols<\/li>\n\n\n\n<li>Peinture et finition<\/li>\n\n\n\n<li>Nettoyage et livraison<\/li>\n<\/ol>\n\n\n\n<p><strong>Attribuez la responsabilit\u00e9 de chaque \u00e9tape.<\/strong><br>Si vous engagez diff\u00e9rents professionnels (\u00e9lectricien, plombier, pl\u00e2trier), coordonnez-les. <strong>dates d&#039;entr\u00e9e<\/strong> et <strong>sortie<\/strong> Chacun devrait veiller \u00e0 ce qu&#039;il n&#039;y ait pas d&#039;oisivet\u00e9.<\/p>\n\n\n\n<p><strong>Ayez un \u00ab plan B \u00bb<\/strong><br>Des impr\u00e9vus peuvent survenir (pluie, retards de livraison). Soyez pr\u00eat. <strong>10\u201315% marge dans le calendrier<\/strong> et un <strong>r\u00e9serve financi\u00e8re<\/strong> Trop petit pour \u00eatre ajust\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conseils pour respecter votre budget (revenus jusqu&#039;\u00e0 9\u00a0600 R$)<\/strong><\/h2>\n\n\n\n<ul>\n<li><strong>Priorisez les \u00e9l\u00e9ments invisibles.<\/strong>Cependant, les \u00e9l\u00e9ments essentiels comprennent : des travaux \u00e9lectriques corrects, une \u00e9tanch\u00e9it\u00e9 et un jointoiement corrects, ainsi que l&#039;\u00e9tanch\u00e9it\u00e9 des fen\u00eatres et des portes.<\/li>\n\n\n\n<li><strong>Utilisez des lignes interm\u00e9diaires<\/strong> En termes de finition, elle \u00e9vite \u00e0 la fois les options basiques et fragiles, et les options haut de gamme co\u00fbteuses.<\/li>\n\n\n\n<li><strong>Acheter en fonction de l&#039;environnement<\/strong>Finalisez votre liste pour la salle de bain (rev\u00eatement de sol, carrelage mural, toilettes, bonde, robinetterie, cabine de douche) et essayez de n\u00e9gocier. <strong>combo<\/strong>.<\/li>\n\n\n\n<li><strong>\u00c9valuer \u00ab faire sous supervision \u00bb<\/strong>Certaines t\u00e2ches simples (peindre un mur lisse, poncer l\u00e9g\u00e8rement) peuvent \u00eatre r\u00e9alis\u00e9es par la famille, \u00e0 condition que <strong>avec EPI<\/strong> et <strong>conseils techniques<\/strong> Cela permet de r\u00e9duire les co\u00fbts de main-d&#039;\u0153uvre.<\/li>\n\n\n\n<li><strong>Standardiser les mesures<\/strong> (m\u00eame largeur de porte, m\u00eame type de robinet) pour <strong>\u00e9chelle de gain<\/strong> lors de l&#039;achat.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Ce qu&#039;il ne faut pas faire<\/strong><\/h2>\n\n\n\n<ul>\n<li><strong>Commencez par les finitions.<\/strong> sans r\u00e9parer les infiltrations d&#039;eau ni le vieux c\u00e2blage \u00e9lectrique.<\/li>\n\n\n\n<li><strong>N&#039;achetez que gr\u00e2ce \u00e0 la promotion.<\/strong>Demandez toujours. <strong>sp\u00e9cifications techniques<\/strong> et v\u00e9rifiez la garantie.<\/li>\n\n\n\n<li><strong>Ignorez le contrat<\/strong> Concernant la prestation de services\u00a0: convenir par \u00e9crit et pr\u00e9ciser le p\u00e9rim\u00e8tre.<\/li>\n\n\n\n<li><strong>Laissez l&#039;\u00e9limination pour la fin.<\/strong>Pr\u00e9voyez une benne et un nettoyage pour \u00e9viter tout retard de livraison.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Liste de contr\u00f4le d&#039;une page (\u00e0 conserver et \u00e0 utiliser)<\/strong><\/h2>\n\n\n\n<ul>\n<li><strong>D\u00e9finir le p\u00e9rim\u00e8tre<\/strong> (technique vs esth\u00e9tique)<\/li>\n\n\n\n<li><strong>\u00c9tablir un budget<\/strong> (mat\u00e9riaux + main-d&#039;\u0153uvre + 10% frais impr\u00e9vus)<\/li>\n\n\n\n<li><strong>Environnements de mesure<\/strong> et la liste se termine par pi\u00e8ce<\/li>\n\n\n\n<li><strong>Simuler<\/strong> sur la cha\u00eene officielle CAIXA<\/li>\n\n\n\n<li><strong>Documents s\u00e9par\u00e9s<\/strong> (revenus, biens immobiliers, photos \u00ab avant \u00bb)<\/li>\n\n\n\n<li><strong>Signature num\u00e9rique<\/strong> apr\u00e8s avoir examin\u00e9 les conditions<\/li>\n\n\n\n<li><strong>Acheter avec re\u00e7u<\/strong> et <strong>location avec re\u00e7u<\/strong><\/li>\n\n\n\n<li><strong>Suivez les \u00e9tapes<\/strong> (points de contr\u00f4le + photos)<\/li>\n\n\n\n<li><strong>Envoyez une preuve.<\/strong> pour lib\u00e9rer le solde final<\/li>\n\n\n\n<li><strong>Effectuer l&#039;inspection finale.<\/strong> (douche, prises, robinet, serrure, joint)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pourquoi c&#039;est le bon moment pour r\u00e9nover<\/strong>?<\/h2>\n\n\n\n<p>La fin d&#039;ann\u00e9e est une p\u00e9riode de retrouvailles familiales et d&#039;accueil des visiteurs\u00a0; la maison se doit alors d&#039;\u00eatre \u00e0 la fois fonctionnelle et agr\u00e9able \u00e0 vivre. De plus, beaucoup per\u00e7oivent leur 13e mois, leurs primes et b\u00e9n\u00e9ficient de cong\u00e9s, ce qui facilite l&#039;organisation des r\u00e9novations et le suivi des travaux.<\/p>\n\n\n\n<p>Avec Reforma Casa Brasil, la proc\u00e9dure de demande est num\u00e9rique, la contractualisation est s\u00e9curis\u00e9e par des canaux officiels et les ressources sont sp\u00e9cifiquement destin\u00e9es \u00e0 l&#039;am\u00e9lioration de votre logement, du toit au sol, du syst\u00e8me \u00e9lectrique \u00e0 l&#039;accessibilit\u00e9.<\/p>\n\n\n\n<p>Autrement dit, c&#039;est l&#039;occasion de transformer l&#039;urgent en une solution planifi\u00e9e, avec des versements respectant le budget et un suivi simple.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Guide rapide par environnement (inspirations objectives)<\/strong><\/h2>\n\n\n\n<p><strong>Salle de bain<\/strong><\/p>\n\n\n\n<ul>\n<li>Remplacez les anciennes vannes par des mod\u00e8les offrant une \u00e9tanch\u00e9it\u00e9 efficace.<\/li>\n\n\n\n<li>Jointoiement \u00e9poxy dans les cabines de douche pour r\u00e9duire les moisissures.<\/li>\n\n\n\n<li>Les caniveaux lin\u00e9aires am\u00e9liorent le drainage et la finition.<\/li>\n<\/ul>\n\n\n\n<p><strong>Cuisine<\/strong><\/p>\n\n\n\n<ul>\n<li>Prises de courant tous les 60 \u00e0 80 cm du plan de travail, avec un circuit d\u00e9di\u00e9 pour le four \u00e0 micro-ondes.<\/li>\n\n\n\n<li>Doublure lavable jusqu&#039;\u00e0 la hauteur de la hotte.<\/li>\n\n\n\n<li>Un robinet avec a\u00e9rateur permet d&#039;\u00e9conomiser l&#039;eau.<\/li>\n<\/ul>\n\n\n\n<p><strong>Chambres<\/strong><\/p>\n\n\n\n<ul>\n<li>Le rev\u00eatement de sol en vinyle r\u00e9duit le bruit et est facile \u00e0 nettoyer.<\/li>\n\n\n\n<li>Prises sur les c\u00f4t\u00e9s du lit (chargeurs), commutateur parall\u00e8le.<\/li>\n\n\n\n<li>Les portes munies de joints en caoutchouc r\u00e9duisent la poussi\u00e8re.<\/li>\n<\/ul>\n\n\n\n<p><strong>Chambre<\/strong><\/p>\n\n\n\n<ul>\n<li>Une prise TV structur\u00e9e (gaines) \u00e9vite les fils apparents.<\/li>\n\n\n\n<li>La peinture mate sur les murs principaux masque les imperfections.<\/li>\n\n\n\n<li>\u00c9clairage \u00e0 plusieurs niveaux\u00a0: \u00e9clairage g\u00e9n\u00e9ral, indirect et d\u2019accentuation.<\/li>\n<\/ul>\n\n\n\n<p><strong>Lessive<\/strong><\/p>\n\n\n\n<ul>\n<li>Des niches pour les produits, un r\u00e9servoir profond et un robinet \u00e0 long bec.<\/li>\n\n\n\n<li>Pr\u00e9voir un syst\u00e8me d&#039;\u00e9vacuation et de ventilation de la machine bien positionn\u00e9.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Exemple de budget (\u00e0 adapter)<\/strong><\/h2>\n\n\n\n<ul>\n<li><strong>Mat\u00e9riaux essentiels (de base) :<\/strong> R$ 4.000\u2013R$ 7.000<\/li>\n\n\n\n<li><strong>Mat\u00e9riaux de finition (par pi\u00e8ce)\u00a0:<\/strong> R$ 1.200\u2013R$ 3.000<\/li>\n\n\n\n<li><strong>Travail (par \u00e9tape) :<\/strong> R$ 1.500\u2013R$ 4.000<\/li>\n\n\n\n<li><strong>Services techniques :<\/strong> R$ 500\u2013R$ 1.500<\/li>\n\n\n\n<li><strong>\u00c9v\u00e9nements impr\u00e9vus (10\u201315%)\u00a0:<\/strong> variable<\/li>\n<\/ul>\n\n\n\n<p>Utilisez ces valeurs uniquement \u00e0 titre de r\u00e9f\u00e9rence. <strong>planification<\/strong>Les prix r\u00e9els varient selon la ville, la marque, la superficie et la complexit\u00e9 des travaux.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>C\u2019est le moment id\u00e9al : la fin de l\u2019ann\u00e9e est le moment parfait pour rendre votre maison belle, s\u00fbre et pr\u00eate \u00e0 accueillir vos proches, sans vous ruiner et avec un accompagnement simple du d\u00e9but \u00e0 la fin.<\/p>\n\n\n\n<p>Ce programme est fait pour vous si vous disposez d&#039;un revenu inf\u00e9rieur \u00e0 9\u00a0600\u00a0R$ et souhaitez r\u00e9nover votre logement en toute s\u00e9r\u00e9nit\u00e9. Les r\u00e8gles, les tranches de revenus, les plafonds et les conditions du programme sont susceptibles d&#039;\u00e9voluer. Pour candidater, veuillez utiliser exclusivement les canaux officiels de la CAIXA et v\u00e9rifier les conditions en vigueur au moment de la signature du contrat.<\/p>\n\n\n\n<p>Commencez d\u00e8s aujourd&#039;hui et renversez la situation cette ann\u00e9e !<\/p>","protected":false},"excerpt":{"rendered":"<p>R\u00e9novez en toute s\u00e9curit\u00e9 et \u00e0 des taux d&#039;int\u00e9r\u00eat plus bas\u00a0: d\u00e9couvrez comment en moins de 10 minutes.<\/p>","protected":false},"author":238,"featured_media":1107,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[3],"tags":[57,46,54,56,55],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Reforma Casa Brasil: Descubra como reformar sua casa com renda at\u00e9 R$9.600 - Zapfling<\/title>\n<meta name=\"description\" content=\"Guia r\u00e1pido Reforma Casa Brasil: passo a passo, inscri\u00e7\u00e3o, o que financiar, dicas para reformar com parcelas que cabem no bolso.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/zapfling.com\/fr\/reforma-casa-brasil\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Reforma Casa Brasil: Descubra como reformar sua casa com renda at\u00e9 R$9.600 - Zapfling\" \/>\n<meta property=\"og:description\" content=\"Guia r\u00e1pido Reforma Casa Brasil: passo a passo, inscri\u00e7\u00e3o, o que financiar, dicas para reformar com parcelas que cabem no bolso.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/zapfling.com\/fr\/reforma-casa-brasil\/\" \/>\n<meta property=\"og:site_name\" content=\"Zapfling\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-13T19:18:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-13T19:18:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/zapfling.com\/wp-content\/uploads\/sites\/203\/2025\/11\/Design-sem-nome-20.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"rcalessandrasantos\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"rcalessandrasantos\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/zapfling.com\/reforma-casa-brasil\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/zapfling.com\/reforma-casa-brasil\/\"},\"author\":{\"name\":\"rcalessandrasantos\",\"@id\":\"https:\/\/zapfling.com\/#\/schema\/person\/b5b7d4bf057aa222367828176ba50794\"},\"headline\":\"Reforma Casa Brasil: Descubra como reformar sua casa com renda at\u00e9 R$9.600\",\"datePublished\":\"2025-11-13T19:18:08+00:00\",\"dateModified\":\"2025-11-13T19:18:11+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/zapfling.com\/reforma-casa-brasil\/\"},\"wordCount\":1667,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/zapfling.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/zapfling.com\/reforma-casa-brasil\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/zapfling.com\/wp-content\/uploads\/sites\/203\/2025\/11\/Design-sem-nome-20.jpg\",\"keywords\":[\"casa\",\"financiamento\",\"reforma\",\"reforma casa brasil\",\"reformar casa\"],\"articleSection\":[\"Estilo de Vida\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/zapfling.com\/reforma-casa-brasil\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/zapfling.com\/reforma-casa-brasil\/\",\"url\":\"https:\/\/zapfling.com\/reforma-casa-brasil\/\",\"name\":\"Reforma Casa Brasil: Descubra como reformar sua casa com renda at\u00e9 R$9.600 - Zapfling\",\"isPartOf\":{\"@id\":\"https:\/\/zapfling.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/zapfling.com\/reforma-casa-brasil\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/zapfling.com\/reforma-casa-brasil\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/zapfling.com\/wp-content\/uploads\/sites\/203\/2025\/11\/Design-sem-nome-20.jpg\",\"datePublished\":\"2025-11-13T19:18:08+00:00\",\"dateModified\":\"2025-11-13T19:18:11+00:00\",\"description\":\"Guia r\u00e1pido Reforma Casa Brasil: passo a passo, inscri\u00e7\u00e3o, o que financiar, dicas para reformar com parcelas que cabem no bolso.\",\"breadcrumb\":{\"@id\":\"https:\/\/zapfling.com\/reforma-casa-brasil\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/zapfling.com\/reforma-casa-brasil\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/zapfling.com\/reforma-casa-brasil\/#primaryimage\",\"url\":\"https:\/\/zapfling.com\/wp-content\/uploads\/sites\/203\/2025\/11\/Design-sem-nome-20.jpg\",\"contentUrl\":\"https:\/\/zapfling.com\/wp-content\/uploads\/sites\/203\/2025\/11\/Design-sem-nome-20.jpg\",\"width\":1920,\"height\":1080},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/zapfling.com\/reforma-casa-brasil\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/zapfling.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Reforma Casa Brasil: Descubra como reformar sua casa com renda at\u00e9 R$9.600\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/zapfling.com\/#website\",\"url\":\"https:\/\/zapfling.com\/\",\"name\":\"Zapfling\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/zapfling.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/zapfling.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/zapfling.com\/#organization\",\"name\":\"Zapfling\",\"url\":\"https:\/\/zapfling.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/zapfling.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/zapfling.com\/wp-content\/uploads\/sites\/203\/2025\/11\/cropped-cropped-cropped-zapfling-1.png\",\"contentUrl\":\"https:\/\/zapfling.com\/wp-content\/uploads\/sites\/203\/2025\/11\/cropped-cropped-cropped-zapfling-1.png\",\"width\":411,\"height\":414,\"caption\":\"Zapfling\"},\"image\":{\"@id\":\"https:\/\/zapfling.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/zapfling.com\/#\/schema\/person\/b5b7d4bf057aa222367828176ba50794\",\"name\":\"rcalessandrasantos\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/zapfling.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/82155588fbc44d098b4d1b14c224dd1d?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/82155588fbc44d098b4d1b14c224dd1d?s=96&d=mm&r=g\",\"caption\":\"rcalessandrasantos\"},\"url\":\"https:\/\/zapfling.com\/fr\/author\/rcalessandrasantos\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Reforma Casa Brasil: Descubra como reformar sua casa com renda at\u00e9 R$9.600 - Zapfling","description":"Guia r\u00e1pido Reforma Casa Brasil: passo a passo, inscri\u00e7\u00e3o, o que financiar, dicas para reformar com parcelas que cabem no bolso.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/zapfling.com\/fr\/reforma-casa-brasil\/","og_locale":"fr_FR","og_type":"article","og_title":"Reforma Casa Brasil: Descubra como reformar sua casa com renda at\u00e9 R$9.600 - Zapfling","og_description":"Guia r\u00e1pido Reforma Casa Brasil: passo a passo, inscri\u00e7\u00e3o, o que financiar, dicas para reformar com parcelas que cabem no bolso.","og_url":"https:\/\/zapfling.com\/fr\/reforma-casa-brasil\/","og_site_name":"Zapfling","article_published_time":"2025-11-13T19:18:08+00:00","article_modified_time":"2025-11-13T19:18:11+00:00","og_image":[{"width":1920,"height":1080,"url":"https:\/\/zapfling.com\/wp-content\/uploads\/sites\/203\/2025\/11\/Design-sem-nome-20.jpg","type":"image\/jpeg"}],"author":"rcalessandrasantos","twitter_card":"summary_large_image","twitter_misc":{"Written by":"rcalessandrasantos","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/zapfling.com\/reforma-casa-brasil\/#article","isPartOf":{"@id":"https:\/\/zapfling.com\/reforma-casa-brasil\/"},"author":{"name":"rcalessandrasantos","@id":"https:\/\/zapfling.com\/#\/schema\/person\/b5b7d4bf057aa222367828176ba50794"},"headline":"Reforma Casa Brasil: Descubra como reformar sua casa com renda at\u00e9 R$9.600","datePublished":"2025-11-13T19:18:08+00:00","dateModified":"2025-11-13T19:18:11+00:00","mainEntityOfPage":{"@id":"https:\/\/zapfling.com\/reforma-casa-brasil\/"},"wordCount":1667,"commentCount":0,"publisher":{"@id":"https:\/\/zapfling.com\/#organization"},"image":{"@id":"https:\/\/zapfling.com\/reforma-casa-brasil\/#primaryimage"},"thumbnailUrl":"https:\/\/zapfling.com\/wp-content\/uploads\/sites\/203\/2025\/11\/Design-sem-nome-20.jpg","keywords":["casa","financiamento","reforma","reforma casa brasil","reformar casa"],"articleSection":["Estilo de Vida"],"inLanguage":"fr-FR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/zapfling.com\/reforma-casa-brasil\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/zapfling.com\/reforma-casa-brasil\/","url":"https:\/\/zapfling.com\/reforma-casa-brasil\/","name":"Reforma Casa Brasil: Descubra como reformar sua casa com renda at\u00e9 R$9.600 - Zapfling","isPartOf":{"@id":"https:\/\/zapfling.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/zapfling.com\/reforma-casa-brasil\/#primaryimage"},"image":{"@id":"https:\/\/zapfling.com\/reforma-casa-brasil\/#primaryimage"},"thumbnailUrl":"https:\/\/zapfling.com\/wp-content\/uploads\/sites\/203\/2025\/11\/Design-sem-nome-20.jpg","datePublished":"2025-11-13T19:18:08+00:00","dateModified":"2025-11-13T19:18:11+00:00","description":"Guia r\u00e1pido Reforma Casa Brasil: passo a passo, inscri\u00e7\u00e3o, o que financiar, dicas para reformar com parcelas que cabem no bolso.","breadcrumb":{"@id":"https:\/\/zapfling.com\/reforma-casa-brasil\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/zapfling.com\/reforma-casa-brasil\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/zapfling.com\/reforma-casa-brasil\/#primaryimage","url":"https:\/\/zapfling.com\/wp-content\/uploads\/sites\/203\/2025\/11\/Design-sem-nome-20.jpg","contentUrl":"https:\/\/zapfling.com\/wp-content\/uploads\/sites\/203\/2025\/11\/Design-sem-nome-20.jpg","width":1920,"height":1080},{"@type":"BreadcrumbList","@id":"https:\/\/zapfling.com\/reforma-casa-brasil\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/zapfling.com\/"},{"@type":"ListItem","position":2,"name":"Reforma Casa Brasil: Descubra como reformar sua casa com renda at\u00e9 R$9.600"}]},{"@type":"WebSite","@id":"https:\/\/zapfling.com\/#website","url":"https:\/\/zapfling.com\/","name":"Zapfling","description":"","publisher":{"@id":"https:\/\/zapfling.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/zapfling.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/zapfling.com\/#organization","name":"Zapfling","url":"https:\/\/zapfling.com\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/zapfling.com\/#\/schema\/logo\/image\/","url":"https:\/\/zapfling.com\/wp-content\/uploads\/sites\/203\/2025\/11\/cropped-cropped-cropped-zapfling-1.png","contentUrl":"https:\/\/zapfling.com\/wp-content\/uploads\/sites\/203\/2025\/11\/cropped-cropped-cropped-zapfling-1.png","width":411,"height":414,"caption":"Zapfling"},"image":{"@id":"https:\/\/zapfling.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/zapfling.com\/#\/schema\/person\/b5b7d4bf057aa222367828176ba50794","name":"rcalessandrasantos","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/zapfling.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/82155588fbc44d098b4d1b14c224dd1d?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/82155588fbc44d098b4d1b14c224dd1d?s=96&d=mm&r=g","caption":"rcalessandrasantos"},"url":"https:\/\/zapfling.com\/fr\/author\/rcalessandrasantos\/"}]}},"uagb_featured_image_src":{"full":["https:\/\/zapfling.com\/wp-content\/uploads\/sites\/203\/2025\/11\/Design-sem-nome-20.jpg",1920,1080,false],"thumbnail":["https:\/\/zapfling.com\/wp-content\/uploads\/sites\/203\/2025\/11\/Design-sem-nome-20-150x150.jpg",150,150,true],"medium":["https:\/\/zapfling.com\/wp-content\/uploads\/sites\/203\/2025\/11\/Design-sem-nome-20-300x169.jpg",300,169,true],"medium_large":["https:\/\/zapfling.com\/wp-content\/uploads\/sites\/203\/2025\/11\/Design-sem-nome-20-768x432.jpg",768,432,true],"large":["https:\/\/zapfling.com\/wp-content\/uploads\/sites\/203\/2025\/11\/Design-sem-nome-20-1024x576.jpg",1024,576,true],"1536x1536":["https:\/\/zapfling.com\/wp-content\/uploads\/sites\/203\/2025\/11\/Design-sem-nome-20-1536x864.jpg",1536,864,true],"2048x2048":["https:\/\/zapfling.com\/wp-content\/uploads\/sites\/203\/2025\/11\/Design-sem-nome-20.jpg",1920,1080,false],"trp-custom-language-flag":["https:\/\/zapfling.com\/wp-content\/uploads\/sites\/203\/2025\/11\/Design-sem-nome-20-18x10.jpg",18,10,true]},"uagb_author_info":{"display_name":"rcalessandrasantos","author_link":"https:\/\/zapfling.com\/fr\/author\/rcalessandrasantos\/"},"uagb_comment_info":5,"uagb_excerpt":"Reforma com seguran\u00e7a e juros menores: saiba como em menos de 10 minutos.","_links":{"self":[{"href":"https:\/\/zapfling.com\/fr\/wp-json\/wp\/v2\/posts\/1095"}],"collection":[{"href":"https:\/\/zapfling.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zapfling.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zapfling.com\/fr\/wp-json\/wp\/v2\/users\/238"}],"replies":[{"embeddable":true,"href":"https:\/\/zapfling.com\/fr\/wp-json\/wp\/v2\/comments?post=1095"}],"version-history":[{"count":7,"href":"https:\/\/zapfling.com\/fr\/wp-json\/wp\/v2\/posts\/1095\/revisions"}],"predecessor-version":[{"id":1126,"href":"https:\/\/zapfling.com\/fr\/wp-json\/wp\/v2\/posts\/1095\/revisions\/1126"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zapfling.com\/fr\/wp-json\/wp\/v2\/media\/1107"}],"wp:attachment":[{"href":"https:\/\/zapfling.com\/fr\/wp-json\/wp\/v2\/media?parent=1095"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zapfling.com\/fr\/wp-json\/wp\/v2\/categories?post=1095"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zapfling.com\/fr\/wp-json\/wp\/v2\/tags?post=1095"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}