{"id":1103,"date":"2025-11-13T19:36:30","date_gmt":"2025-11-13T19:36:30","guid":{"rendered":"https:\/\/zapfling.com\/?p=1103"},"modified":"2025-11-13T20:39:19","modified_gmt":"2025-11-13T20:39:19","slug":"recomendador-reforma-casa-brasil","status":"publish","type":"post","link":"https:\/\/zapfling.com\/fr\/recomendador-reforma-casa-brasil\/","title":{"rendered":"Recommandation \u2013 R\u00e9novation de maison Br\u00e9sil"},"content":{"rendered":"<div class=\"wp-block-lazyblock-loader lazyblock-loader-1XEJkI\">\n<script>\n    Math.min(window.screen.width, window.screen.height) < 768 ? document.getElementById(\"page\").classList.add(\"fixed\") : '';\n<\/script>\n<div id=\"loader\" class=\"flex h-screen fixed bg-white inset-0\" style=\"z-index: 99999;\" >\n    <div class=\"m-auto flex flex-col\">\n        <div class=\"flex\">\n            <svg style=\"\" class=\"m-auto animate-spin h-28 w-28\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewbox=\"0 0 24 24\">\n                <circle class=\"opacity-25\" cx=\"12\" cy=\"12\" r=\"10\" stroke=\"currentColor\" stroke-width=\"4\"><\/circle>\n                <path class=\"opacity-75\" fill=\"currentColor\" d=\"M4 12a8 8 0 018-8V0C5.373 0 0 5.373 0 12h4zm2 5.291A7.962 7.962 0 014 12H0c0 3.042 1.135 5.824 3 7.938l3-2.647z\"><\/path>\n            <\/svg>\n        <\/div>\n\n                    <div class=\"px-2 my-4 text-center animate-pulse text-xl\">\n                Chargement de votre recommandation...            <\/div>\n                    <\/div>\n<\/div>\n<script>\n    function waitFor(conditionFunction) {\n        const poll = resolve => {\n            if(conditionFunction()) resolve();\n            else setTimeout(_ => poll(resolve), 400);\n        };\n        return new Promise(poll);\n    }\n\n    window.loaderHandler = setTimeout(() => {\n        waitFor(_ => ((document.querySelector('[data-google-query-id]') !== null) || (typeof avCustomConfig === 'object' && avCustomConfig.skipAds === true)))\n            .then(_ => {\n                if ((window.location.pathname.includes('\/iow')) && ((document.referrer ?? 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'').includes('zapfling.com')) && (!document.cookie.includes('avOfferWallRewarded'))) ? 20000 : 10000);\n<\/script>\n\n<\/div>\n\n<div class=\"wp-block-lazyblock-landing-page-variant lazyblock-landing-page-variant-18gdBG\"><div id=\"landing\" style=\"\" class=\"mb-40\">\n  <section class=\"text-gray-600 body-font border-gray-200 sm:border-0\">\n    <div style=\"max-width: 850px;\" class=\"sm:pt-6 mx-auto block\">\n      <div class=\"text-center pt-3 px-5\">\n        <p class=\"leading-relaxed sm:w-3\/4 mx-auto mb-0\">\n          Programme gouvernemental officiel\u00a0: fonctionnement, crit\u00e8res d\u2019admissibilit\u00e9 et proc\u00e9dure d\u2019inscription.        <\/p>\n      <\/div>\n\n      <section class=\"text-gray-600 body-font border-gray-200 sm:border-0\">\n        <h4 data-av-headline class=\"pt-3 text-center text-gray-900 text-2xl title-font font-medium px-5 mb-12\">\n          Transformez votre maison avec Reforma Casa Brasil - Revenu familial jusqu&#039;\u00e0 9\u00a0600 R$\/mois        <\/h4>\n        <p class=\"sm:hidden pb-2 text-center sm:text-left leading-relaxed px-5\">\n            R\u00e9novez votre maison en toute s\u00e9curit\u00e9 et avec soin\u00a0! Le moment est venu de concr\u00e9tiser votre projet de r\u00e9novation\u00a0! D\u00e9couvrez votre budget, simulez des mensualit\u00e9s abordables et choisissez la dur\u00e9e id\u00e9ale en quelques minutes seulement.        <\/p>\n        \n        <div class=\"sm:hidden sm:px-0 py-6 mx-auto px-5\">\n          <div class=\"w-full mx-auto flex flex-wrap\">\n            <a class=\"mx-auto block\" href=\"https:\/\/zapfling.com\/fr\/reforma-casa-brasil\/\" data-analytics-label=\"landingPageImage\" data-action=\"analytics#trackCTA\">\n              <img decoding=\"async\" loading=\"lazy\" alt=\"card\" style=\"height: 190px;\" class=\"w-full h-64 object-cover object-center rounded border-gray-100 border-2\" src=\"https:\/\/zapfling.com\/wp-content\/uploads\/sites\/203\/2025\/11\/Zapling.jpg\">\n            <\/a>\n            <div class=\"lg:w-3\/5 w-full lg:pl-6 mt-6 lg:mt-0\">\n              <div class=\"flex\">\n                <a class=\"flex text-white no-underline m-auto sm:mr-0 sm:ml-auto\" href=\"https:\/\/zapfling.com\/fr\/reforma-casa-brasil\/\" data-analytics-label=\"landingPageFirstButton\" data-action=\"analytics#trackCTA\">\n                  <button id=\"landing-first\" class=\"text-white flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-8 text-lg focus:outline-none rounded\">\n                    VOIR COMMENT L&#039;OBTENIR                  <\/button>\n                <\/a>\n              <\/div>\n              <p class=\"text-xs text-gray-500 mt-3 text-center sm:text-right\">\n                You will remain in the same website              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n        <div class=\"mt-10 h-1 bg-gray-200 rounded overflow-hidden sm:hidden mx-5\">\n          <div class=\"w-24 h-full\"><\/div>\n        <\/div>\n        <div class=\"hidden sm:block sm:px-0 py-6 mx-auto px-5\">\n          <div class=\"w-full py-3 mx-auto flex flex-wrap\">\n                          <img decoding=\"async\" loading=\"lazy\" alt=\"card\" style=\"height: 190px;\" class=\"lg:w-2\/5 w-full h-64 object-cover object-center rounded border-gray-100 border-2\" src=\"https:\/\/zapfling.com\/wp-content\/uploads\/sites\/203\/2025\/11\/Zapling.jpg\">\n                        \n            <div class=\"lg:w-3\/5 w-full lg:pl-6 mt-6 lg:mt-0\">\n              \n              \n              <p class=\"py-2 text-center sm:text-left leading-relaxed\">\n                R\u00e9novez votre maison en toute s\u00e9curit\u00e9 et avec soin\u00a0! Le moment est venu de concr\u00e9tiser votre projet de r\u00e9novation\u00a0! D\u00e9couvrez votre budget, simulez des mensualit\u00e9s abordables et choisissez la dur\u00e9e id\u00e9ale en quelques minutes seulement.              <\/p>\n              <div class=\"flex mt-6 items-center pb-5 border-b-2 border-gray-100 mb-5\">\n              <\/div>\n              <div class=\"flex\">\n                <a class=\"flex text-white no-underline mt-10 m-auto sm:mr-0 sm:ml-auto\" href=\"https:\/\/zapfling.com\/fr\/reforma-casa-brasil\/\" data-analytics-label=\"landingPageFirstButton\" data-action=\"analytics#trackCTA\">\n                  <button id=\"landing-first\" class=\"text-white flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-8 text-lg focus:outline-none rounded\">\n                    VOIR COMMENT L&#039;OBTENIR                  <\/button>\n                <\/a>\n              <\/div>\n              <p class=\"text-xs text-gray-500 mt-3 text-center sm:text-right\">\n                You will remain in the same website              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/section>\n\n      <p class=\"text-center leading-relaxed sm:w-3\/4 mx-auto my-10 px-5\">\n        D\u00e9couvrez pourquoi ce programme en vaut la peine.      <\/p>\n      <div class=\"flex flex-wrap sm:w-full sm:mx-auto sm:mb-2 px-5\">\n        <div class=\"p-2 sm:w-1\/2 w-full\">\n          <div class=\"bg-gray-100 rounded flex p-4 h-full items-center\">\n            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"3\" class=\"w-6 h-6 flex-shrink-0 mr-4\" viewbox=\"0 0 24 24\">\n              <path d=\"M22 11.08V12a10 10 0 11-5.93-9.14\"><\/path>\n              <path d=\"M22 4L12 14.01l-3-3\"><\/path>\n            <\/svg>\n            <span class=\"title-font font-medium text-left\">\n              Logements d\u00e9cents            <\/span>\n          <\/div>\n        <\/div>\n        <div class=\"p-2 sm:w-1\/2 w-full\">\n          <div class=\"bg-gray-100 rounded flex p-4 h-full items-center\">\n            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"3\" class=\"w-6 h-6 flex-shrink-0 mr-4\" viewbox=\"0 0 24 24\">\n              <path d=\"M22 11.08V12a10 10 0 11-5.93-9.14\"><\/path>\n              <path d=\"M22 4L12 14.01l-3-3\"><\/path>\n            <\/svg>\n            <span class=\"title-font font-medium text-left\">\n              Programme s\u00e9curis\u00e9            <\/span>\n          <\/div>\n        <\/div>\n        <div class=\"p-2 sm:w-1\/2 w-full\">\n          <div class=\"bg-gray-100 rounded flex p-4 h-full items-center\">\n            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"3\" class=\"w-6 h-6 flex-shrink-0 mr-4\" viewbox=\"0 0 24 24\">\n              <path d=\"M22 11.08V12a10 10 0 11-5.93-9.14\"><\/path>\n              <path d=\"M22 4L12 14.01l-3-3\"><\/path>\n            <\/svg>\n            <span class=\"title-font font-medium text-left\">\n              Possibilit\u00e9 de revenus familiaux            <\/span>\n          <\/div>\n        <\/div>\n        <div class=\"p-2 sm:w-1\/2 w-full\">\n          <div class=\"bg-gray-100 rounded flex p-4 h-full items-center\">\n            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"3\" class=\"w-6 h-6 flex-shrink-0 mr-4\" viewbox=\"0 0 24 24\">\n              <path d=\"M22 11.08V12a10 10 0 11-5.93-9.14\"><\/path>\n              <path d=\"M22 4L12 14.01l-3-3\"><\/path>\n            <\/svg>\n            <span class=\"title-font font-medium text-left\">\n              Confort familial            <\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n    \n      <div class=\"mx-5\" data-anchor-target=\"lazyBlock\">\n        <a class=\"text-white no-underline\" href=\"https:\/\/zapfling.com\/fr\/reforma-casa-brasil\/\" data-analytics-label=\"landingPageSecondButton\" data-action=\"analytics#trackCTA\">\n          <button id=\"landing-second\" class=\"flex mx-auto mt-16 border-0 py-2 px-8 focus:outline-none rounded text-lg\">\n            VOIR COMMENT L&#039;OBTENIR          <\/button>\n        <\/a>\n      <\/div>\n      <p class=\"text-xs text-gray-500 mt-3 text-center\">\n        You will remain in the same website      <\/p>\n      \n    <\/div>\n  <\/section>\n\n  <link rel=\"prefetch\" href=\"https:\/\/zapfling.com\/reforma-casa-brasil\/\">\n  <link rel=\"prerender\" href=\"https:\/\/zapfling.com\/reforma-casa-brasil\/\">\n\n  <link rel=\"prefetch\" href=\"\">\n  <link rel=\"prerender\" href=\"\">\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>Comment \u00e7a marche, qui est admissible et comment s&#039;inscrire.<\/strong><\/h2>\n\n\n\n<p>LE <strong>R\u00e9novation de Casa Brasil<\/strong> Il s&#039;agit d&#039;un programme f\u00e9d\u00e9ral, g\u00e9r\u00e9 par <strong>BO\u00ceTE<\/strong>, qui offre du cr\u00e9dit avec <strong>taux d&#039;int\u00e9r\u00eat r\u00e9duits<\/strong> et <strong>Processus num\u00e9rique 100%<\/strong> r\u00e9nover, agrandir ou adapter des maisons partout au pays.<\/p>\n\n\n\n<p>L&#039;objectif est de permettre des am\u00e9liorations telles que <strong>remplacement de toiture ou de plancher<\/strong>, <strong>r\u00e9parations \u00e9lectriques et hydrauliques<\/strong>, <strong>adaptations d&#039;accessibilit\u00e9<\/strong> et <strong>expansions<\/strong>, y compris les mat\u00e9riaux, la main-d&#039;\u0153uvre et les services techniques.<\/p>\n\n\n\n<p>&nbsp;Lanc\u00e9 officiellement en <strong>21\/10\/2025<\/strong> et en service depuis <strong>03\/11\/2025<\/strong>Le programme allie simplicit\u00e9, rapidit\u00e9 et s\u00e9curit\u00e9, sans interm\u00e9diaires, sans \u00ab passer devant tout le monde \u00bb et avec des contrats conclus exclusivement par les voies officielles.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quel est le programme et quel est son objectif ?<\/strong><\/h2>\n\n\n\n<p>Concr\u00e8tement, le programme Reforma Casa Brasil a \u00e9t\u00e9 con\u00e7u pour\u2026 <strong>garantir un logement d\u00e9cent<\/strong> et <strong>pour stimuler l&#039;\u00e9conomie du secteur de la construction<\/strong>.<\/p>\n\n\n\n<p>Cela signifie aider les familles \u00e0 r\u00e9soudre les probl\u00e8mes structurels ou de confort de leurs logements (humidit\u00e9, fuites, installations anciennes ou inad\u00e9quates, accessibilit\u00e9) tout en stimulant les secteurs cr\u00e9ateurs d&#039;emplois locaux, tels que les petits entrepreneurs, les magasins de mat\u00e9riaux de construction et les prestataires de services.<\/p>\n\n\n\n<p>Le programme vous permet d&#039;utiliser le cr\u00e9dit pour les deux <strong>mat\u00e9riels<\/strong> combien pour <strong>travail<\/strong> et <strong>assistance technique<\/strong> (projets\/ART\/ex\u00e9cution), en plus de l&#039;immobilier <strong>R\u00e9sidentiel<\/strong> et certains cas de <strong>usage mixte<\/strong> (r\u00e9sidentiel + commercial), \u00e0 condition que la vocation principale soit le logement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Est-ce sans danger\u00a0? Comment \u00e9viter les arnaques\u00a0?<\/strong><\/h2>\n\n\n\n<p>Oui, \u00e0 condition que le processus complet soit respect\u00e9. <strong>juste<\/strong> par le <strong>cha\u00eenes officielles<\/strong>: <strong>Site web et application CAIXA<\/strong> (simulation, inscription, soumission de documents et signature num\u00e9rique).<\/p>\n\n\n\n<p>Des informations g\u00e9n\u00e9rales et des r\u00e9ponses aux questions structurelles sont disponibles sur la page officielle du gouvernement (\u00ab Posez vos questions \u00bb). <strong>gov.br<\/strong>Deux avertissements importants\u00a0:<\/p>\n\n\n\n<ol start=\"1\">\n<li><strong>Il n&#039;y a pas de frais d&#039;inscription.<\/strong> Aucun paiement n&#039;est autoris\u00e9 pour \u00ab acc\u00e9l\u00e9rer \u00bb ou \u00ab garantir l&#039;approbation \u00bb. Toute facturation de ce type est ill\u00e9gale. <strong>fraude<\/strong>.<\/li>\n\n\n\n<li><strong>Aucun service client n&#039;est disponible via WhatsApp.<\/strong> Le fait de proposer des \u00ab places \u00bb, des \u00ab invitations \u00bb ou une \u00ab inscription prioritaire \u00bb au programme doit \u00eatre signal\u00e9.<\/li>\n<\/ol>\n\n\n\n<p>Souviens-toi: <strong>jamais<\/strong> Partager les donn\u00e9es personnelles et les photos du bien avec des tiers ext\u00e9rieurs au syst\u00e8me de CAIXA\u00a0; <strong>toujours<\/strong> V\u00e9rifiez l&#039;adresse du site web avant de remplir les formulaires.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qui peut participer\u00a0: tranches de revenus, limites et dates limites.<\/strong><\/h2>\n\n\n\n<p>L&#039;admissibilit\u00e9 est organis\u00e9e par <strong>tranches de revenu familial mensuel brut<\/strong> (somme de tous les revenus du m\u00e9nage). En termes g\u00e9n\u00e9raux\u00a0:<\/p>\n\n\n\n<ul>\n<li><strong>Piste 1 \u2014 jusqu&#039;\u00e0 R$ 3.200<\/strong>: <strong>int\u00e9r\u00eat de 1 17% am<\/strong>, <strong>dur\u00e9e maximale de 60 mois<\/strong>.<\/li>\n\n\n\n<li><strong>Bande 2 \u2014 de R$ 3\u00a0200,01 \u00e0 R$ 9\u00a0600<\/strong>: <strong>int\u00e9r\u00eat de 1,95% am<\/strong>, <strong>dur\u00e9e maximale de 60 mois<\/strong>.<\/li>\n\n\n\n<li><strong>Bande 3 \u2014 au-dessus de R$ 9.600<\/strong>conditions <strong>d\u00e9fini par l&#039;analyse de cr\u00e9dit<\/strong>Les communications officielles indiquent <strong>plafond du taux d&#039;int\u00e9r\u00eat de 1,95% am<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p>Pour les tranches 1 et 2, les montants finan\u00e7ables varient g\u00e9n\u00e9ralement de <strong>R$ 5 mille \u00e0 R$ 30 mille<\/strong>Dans toutes les gammes, le <strong>performances maximales<\/strong> est limit\u00e9 \u00e0 <strong>25% de revenu familial mensuel<\/strong>.<\/p>\n\n\n\n<p><strong>Note importante\u00a0:<\/strong> L\u2019approbation et les limites finales d\u00e9pendent de l\u2019analyse de cr\u00e9dit de CAIXA, du profil de la propri\u00e9t\u00e9 et du budget de construction.<\/p>\n\n\n\n<p>Dans les cas de <strong>propri\u00e9t\u00e9s avec des restrictions sp\u00e9cifiques<\/strong> (situation irr\u00e9guli\u00e8re, risque, emplacement ou conditions hors du champ d&#039;application de l&#039;am\u00e9lioration du logement), il peut y avoir <strong>exclusions d&#039;admissibilit\u00e9<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Ce qui peut \u00eatre financ\u00e9 (et ce qui ne peut pas \u00eatre inclus)<\/strong><\/h2>\n\n\n\n<p><strong>Articles inclus\u00a0:<\/strong><\/p>\n\n\n\n<ul>\n<li><strong>mat\u00e9riaux de construction<\/strong> (par exemple, rev\u00eatements de sol, rev\u00eatements muraux, tuiles de toit, cadres de fen\u00eatres et de portes, peintures et mat\u00e9riaux de construction).<\/li>\n\n\n\n<li><strong>Travail<\/strong> (ex\u00e9cution des services).<\/li>\n\n\n\n<li><strong>Services techniques<\/strong> (projets, suivi, responsabilit\u00e9 technique).<\/li>\n<\/ul>\n\n\n\n<p><strong>Utilisation principale :<\/strong> <strong>R\u00e9sidentiel<\/strong>Immobilier <strong>mixte<\/strong> (R\u00e9sidentiel + commercial) peut \u00eatre pris en compte lorsque le logement est l&#039;objectif principal.<\/p>\n\n\n\n<p><strong>Hors sujet :<\/strong> La presse sp\u00e9cialis\u00e9e a \u00e9voqu\u00e9 des situations dans lesquelles la maison <strong>\u00c7a ne va pas<\/strong> Le programme n&#039;est pas mis en \u0153uvre pour des raisons de s\u00e9curit\u00e9, de r\u00e9gularit\u00e9 ou d&#039;objectif qui vont au-del\u00e0 de \u00ab l&#039;am\u00e9lioration du logement \u00bb.<\/p>\n\n\n\n<p>La recommandation est <strong>pr\u00e9-qualification<\/strong> l&#039;affaire et <strong>pour confirmer officiellement<\/strong> Contactez CAIXA avant de continuer.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Relation avec le programme Minha Casa, Minha Vida (MCMV)<\/strong><\/h2>\n\n\n\n<p>LE <strong>MCMV<\/strong> continue comme axe de <strong>acquisition\/production de logements<\/strong>.<\/p>\n\n\n\n<p>Pour le niveau 1 (subventionn\u00e9), le <strong>L&#039;inscription se fait aupr\u00e8s des mairies\/organismes municipaux.<\/strong>Pour les projets financ\u00e9s, le chemin passe par <strong>institutions financi\u00e8res<\/strong> (BB\/CAIXA).<\/p>\n\n\n\n<p><strong><u>Important<\/u><\/strong>: <strong>Il n&#039;y a pas de frais d&#039;inscription.<\/strong> dans le programme MCMV. Le programme Reforma Casa Brasil est distinct : <strong>ax\u00e9 sur la r\u00e9novation\/l&#039;expansion<\/strong> de la propri\u00e9t\u00e9 o\u00f9 r\u00e9side la famille, avec des contrats pass\u00e9s via CAIXA et des processus num\u00e9riques.<\/p>\n\n\n\n<p>Ne confondez pas \u00ab r\u00e9novation \u00bb et \u00ab acquisition \u00bb : ce sont <strong>diff\u00e9rents programmes<\/strong>, avec <strong>r\u00e8gles et objectifs propres<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Exemple illustratif de calcul d&#039;\u00e9ch\u00e9ance<\/strong><\/h2>\n\n\n\n<p><strong>Attention:<\/strong> Les chiffres ci-dessous sont <strong>\u00c0 titre indicatif seulement.<\/strong> Ces exemples servent \u00e0 illustrer la logique budg\u00e9taire et ne remplacent pas les simulations officielles.<\/p>\n\n\n\n<p>Imaginez un revenu familial de <strong>R$ 4.800<\/strong> (Voie 2). Le montant maximal de l&#039;\u00e9ch\u00e9ance serait de <strong>25%<\/strong> revenus : <strong>R$ 1.200<\/strong>Supposons un projet de <strong>R$ 20\u00a0000<\/strong> dans <strong>48 mois<\/strong>Dans la simulation officielle, CAIXA indiquera <strong>montant de l&#039;\u00e9ch\u00e9ance<\/strong> bas\u00e9 sur <strong>gamme de vitesses<\/strong>Non <strong>terme<\/strong> et dans <strong>analyse de cr\u00e9dit<\/strong>Si le montant de l&#039;\u00e9ch\u00e9ance calcul\u00e9e d\u00e9passe 1\u00a0200 R$, vous pouvez <strong>ajuster la date limite<\/strong> (jusqu&#039;\u00e0 60 mois) ou <strong>ajuster le budget<\/strong> du travail \u00e0 r\u00e9aliser dans les limites imparties. Le syst\u00e8me peut \u00e9galement sugg\u00e9rer <strong>montant inf\u00e9rieur pouvant \u00eatre financ\u00e9<\/strong> selon le revenu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Comment \u00e9tablir un bon budget de construction<\/strong><\/h2>\n\n\n\n<p>Pour profiter au maximum du programme, il est conseill\u00e9 de suivre un itin\u00e9raire simple\u00a0:<\/p>\n\n\n\n<ol start=\"1\">\n<li><strong>Diagnostic immobilier<\/strong> \u2013 Lister les probl\u00e8mes prioritaires (infiltration d&#039;eau, probl\u00e8mes \u00e9lectriques, toiture, accessibilit\u00e9).<\/li>\n\n\n\n<li><strong>Projet et \u00e9tendue<\/strong> Posez des questions lorsque c&#039;est n\u00e9cessaire. <strong>assistance technique<\/strong> pour d\u00e9terminer les dimensions des mat\u00e9riaux et de la main-d&#039;\u0153uvre.<\/li>\n\n\n\n<li><strong>Demandez des devis \u00e0 2 ou 3 fournisseurs.<\/strong> Comparez les prix et les d\u00e9lais de livraison.<\/li>\n\n\n\n<li><strong>Programme \u00e9tape par \u00e9tape<\/strong> \u2013 Ex. : \u00ab \u00e9lectricit\u00e9 \u2192 plomberie \u2192 carrelage \u2192 peinture \u2192 finitions \u2192 nettoyage \u00bb.<\/li>\n\n\n\n<li><strong>r\u00e9serve technique<\/strong> \u2013 Pr\u00e9voir une marge (5\u201310%) pour les circonstances impr\u00e9vues.<\/li>\n\n\n\n<li><strong>Documentation et photos<\/strong> \u2013 Conserver des registres de <strong>avant<\/strong>, <strong>pendant<\/strong> et <strong>apr\u00e8s<\/strong>.<\/li>\n<\/ol>\n\n\n\n<p>Cette approche permet d&#039;\u00e9viter l&#039;effet \u00ab projet sans fin \u00bb, de r\u00e9duire le gaspillage et d&#039;assurer la pr\u00e9visibilit\u00e9 des \u00e9ch\u00e9ances, tout en gardant \u00e0 l&#039;esprit que\u2026 <strong>derniers 10%<\/strong> il est pay\u00e9 <strong>apr\u00e8s v\u00e9rification<\/strong> En conclusion.<\/p>\n\n\n\n<p><strong>Liste des documents les plus courants<\/strong><\/p>\n\n\n\n<ul>\n<li><strong>documents personnels<\/strong> de la part du ou des demandeurs.<\/li>\n\n\n\n<li><strong>Preuve de revenus<\/strong> (fiches de paie, relev\u00e9s bancaires, d\u00e9claration de travailleur ind\u00e9pendant\/MEI, le cas \u00e9ch\u00e9ant).<\/li>\n\n\n\n<li><strong>Preuve d&#039;adresse<\/strong>.<\/li>\n\n\n\n<li><strong>Informations sur la propri\u00e9t\u00e9<\/strong> et <strong>photos<\/strong> de la situation <strong>avant le travail<\/strong>.<br>Le processus est num\u00e9rique et la CAIXA peut en faire la demande. <strong>articles suppl\u00e9mentaires<\/strong> en fonction du profil du candidat et du bien.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>R\u00e8gles et limites : ce qu&#039;il faut observer<\/strong><\/h2>\n\n\n\n<ul>\n<li><strong>Paiement<\/strong> limit\u00e9 \u00e0 <strong>Revenu 25%<\/strong>.<\/li>\n\n\n\n<li><strong>Montants admissibles<\/strong> typique de <strong>R$ 5 mille \u00e0 R$ 30 mille<\/strong> sur les voies 1 et 2.<\/li>\n\n\n\n<li><strong>Terme<\/strong> jusqu&#039;\u00e0 <strong>60 mois<\/strong>.<\/li>\n\n\n\n<li><strong>Conditions de la propri\u00e9t\u00e9<\/strong> ils peuvent <strong>restreindre l&#039;admissibilit\u00e9<\/strong> (Veuillez vous r\u00e9f\u00e9rer \u00e0 la cha\u00eene officielle).<\/li>\n\n\n\n<li><strong>Pas de frais d&#039;inscription.<\/strong>, <strong>sans \u00abcouper la file\u00bb<\/strong> et <strong>sans interm\u00e9diaires<\/strong>.<\/li>\n\n\n\n<li><strong>L&#039;ensemble du processus<\/strong> \u00c7a arrive <strong>\u00e0 la BOX<\/strong> (site web\/application).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conseils pratiques pour un projet de construction plus fluide.<\/strong><\/h2>\n\n\n\n<ol start=\"1\">\n<li><strong>Privil\u00e9giez ce qui r\u00e9sout un probl\u00e8me r\u00e9el.<\/strong> (S\u00e9curit\u00e9 \u00e9lectrique, fuites, toiture). L&#039;esth\u00e9tique vient apr\u00e8s la gestion des risques.<\/li>\n\n\n\n<li><strong>Respectez le planning.<\/strong> hebdomadaire ; de petits \u00e9carts, s&#039;ils sont corrig\u00e9s rapidement, n&#039;entra\u00eenent pas de retards importants.<\/li>\n\n\n\n<li><strong>Achetez des mat\u00e9riaux avec facture et garantie.<\/strong>\u00c9vitez les restes co\u00fbteux et les retours difficiles.<\/li>\n\n\n\n<li><strong>Formaliser le personnel.<\/strong> (\u00e9tendue, \u00e9ch\u00e9ance, mode de paiement, responsabilit\u00e9).<\/li>\n\n\n\n<li><strong>Conservez les re\u00e7us et les photos.<\/strong>En plus d&#039;organiser le travail, ils aident \u00e0 v\u00e9rifier... <strong>10% final<\/strong>.<\/li>\n<\/ol>\n\n\n<div class=\"wp-block-lazyblock-accordion lazyblock-accordion-1yXdgs\"><script type=\"module\">\n  import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\";\n  const Stimulus = Application.start();\n\n  Stimulus.register(\"accordion\", class extends Controller {\n\n    static get targets() {\n        return [ \"title\", \"description\", \"icon\" ];\n    }\n\n    update(event) {\n      let accordionIndex = Number(event.target.getAttribute('data-accordion-index'));\n      let description = this.descriptionTargets[accordionIndex];\n      let icon = this.iconTargets[accordionIndex];\n      \n      description.classList.toggle('animate-fade-in-down');\n      description.classList.toggle('hidden');\n      icon.classList.toggle('rotate-180');\n    }\n\n  });\n<\/script><div data-controller=\"accordion\" class=\"mx-5 sm:mx-0 rounded mt-10 mb-20\">\n\t<div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"0\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"0\">\n                        Puis-je utiliser ce cr\u00e9dit pour payer la main-d&#039;\u0153uvre\u00a0?                    <\/span>\n                    <svg data-accordion-index=\"0\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Oui. Le programme comprend les mat\u00e9riaux, la main-d&#039;\u0153uvre et les services techniques.                     <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"1\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"1\">\n                        Dois-je d\u00e9j\u00e0 habiter dans la propri\u00e9t\u00e9 ?                    <\/span>\n                    <svg data-accordion-index=\"1\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        L&#039;accent est mis sur le logement. Les immeubles \u00e0 usage mixte peuvent \u00eatre envisag\u00e9s, \u00e0 condition que leur vocation principale soit r\u00e9sidentielle.                     <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"2\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"2\">\n                        Quelles sont les valeurs minimale et maximale ?                    <\/span>\n                    <svg data-accordion-index=\"2\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Pour les tranches 1 et 2, g\u00e9n\u00e9ralement de 5\u00a0000 \u00e0 30\u00a0000\u00a0R$, avec une dur\u00e9e maximale de 60\u00a0mois. Le montant des mensualit\u00e9s ne peut exc\u00e9der 25% du revenu.                     <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"3\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"3\">\n                        Quels documents sont n\u00e9cessaires ?                    <\/span>\n                    <svg data-accordion-index=\"3\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Donn\u00e9es personnelles, justificatif de revenus, informations sur le bien et photos \u00ab avant travaux \u00bb. La proc\u00e9dure est num\u00e9rique et la CAIXA peut demander des documents suppl\u00e9mentaires.                     <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"4\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"4\">\n                        Y a-t-il des frais d&#039;inscription\u00a0?                    <\/span>\n                    <svg data-accordion-index=\"4\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Non. Signalez toute d\u00e9pense pour \u00ab acc\u00e9l\u00e9rer \u00bb l&#039;approbation ou \u00ab garantir une place \u00bb.                     <\/p>\n                <\/div>\n            <\/div>\n        \t<\/div>\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>Le programme Reforma Casa Brasil offre <strong>un objectif social clair<\/strong> et <strong>ex\u00e9cution simplifi\u00e9e<\/strong>cr\u00e9dit avec <strong>taux d&#039;int\u00e9r\u00eat r\u00e9duits<\/strong>, <strong>analyse num\u00e9rique<\/strong>, <strong>recrutement en ligne<\/strong> et <strong>paiement en deux \u00e9tapes<\/strong> pour s&#039;assurer que le projet se r\u00e9alise effectivement.<\/p>\n\n\n\n<p>En comprenant le <strong>tranches de revenus<\/strong>, <strong>limites de versement<\/strong> et <strong>articles \u00e9ligibles<\/strong>Cela permet \u00e0 la famille d&#039;avoir une meilleure visibilit\u00e9 sur l&#039;organisation du budget, la planification des travaux par \u00e9tapes et la r\u00e9alisation des am\u00e9liorations en toute s\u00e9curit\u00e9.<\/p>\n\n\n\n<p>Le chemin est officiel, direct et sans raccourcis\u00a0: <strong>Simulez, envoyez les documents, signez num\u00e9riquement et ex\u00e9cutez votre projet.<\/strong>tout pour <strong>Cha\u00eenes CAIXA<\/strong>.<\/p>\n\n\n\n<p><strong>Note de la r\u00e9daction\u00a0:<\/strong> Ce contenu est fourni \u00e0 titre informatif uniquement. Les r\u00e8gles, les d\u00e9lais et les conditions peuvent \u00eatre modifi\u00e9s\u00a0; veuillez toujours v\u00e9rifier aupr\u00e8s des instances officielles de la CAIXA et du gouvernement avant de vous inscrire.<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Como funciona, quem tem direito e como se inscrever O Reforma Casa Brasil \u00e9 um programa federal, operado pela CAIXA, que oferece cr\u00e9dito com juros reduzidos e processo 100% digital para reformar, ampliar ou adequar moradias em todo o pa\u00eds. O foco \u00e9 viabilizar melhorias como troca de telhado ou piso, corre\u00e7\u00f5es el\u00e9tricas e hidr\u00e1ulicas, [&hellip;]<\/p>","protected":false},"author":238,"featured_media":1100,"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":[3,14],"tags":[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>Recomendador - Reforma Casa Brasil - Zapfling<\/title>\n<meta name=\"description\" content=\"Reforma Casa Brasil: descubra como usar para renovar sua casa. 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