O que são CRIs (Certificados de Recebíveis Imobiliários)?

por: SobreMoney Foto: Canva

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[{"selector":"#anim-6eb978d1-2081-4152-9f0a-d8f8594fa999","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fda69527-6abb-4b0a-aa67-36dc5210f713","keyframes":{"transform":["translate3d(-190.14598%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7f3973b9-04d6-4320-a610-b752ad9458d8","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-002e205c-a72c-433a-9923-6ada3e03d94e","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-a593d270-cbf9-4eaa-8519-54278b07dae8","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Seta Criado em 1997 no Brasil, o CRI surgiu para facilitar a liquidez e a segurança no financiamento imobiliário, substituindo a dependência da poupança.

[{"selector":"#anim-eb800343-bd5f-4359-99ae-8fb6c630af90","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bb7f4ff3-eef7-450a-8480-57ee302970a7","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7a6ff171-6885-437c-a25e-287e048a1bda","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f5d34832-c177-480e-a246-534d58664333","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a469b854-34d5-4997-9886-c6135af04245","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Construtoras contratam securitizadoras para transformar dívidas de compradores em CRIs, que os investidores compram para financiar o setor imobiliário. Seta

[{"selector":"#anim-8bd8ae28-390e-4368-92e1-9051af0ac74d","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-40a8cc57-d11b-4ad1-8e74-e7ee24806cf5","keyframes":{"transform":["translate3d(-190.14598%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f5e5722a-5e19-4093-b9dc-ac7960577384","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ed797714-62d6-4f19-b108-232cff937b3d","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-e2846ef3-13c6-4ba1-b63b-eeabf47353dd","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Seta Oferece uma taxa prefixada ou atrelada a índices como inflação, proporcionando previsibilidade nos ganhos.

[{"selector":"#anim-2c2e4511-6912-40d4-99a2-9c688703e26b","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c9a9072d-a4f7-44e7-ae03-a824edf8a551","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8203a2c5-8370-44c4-8d32-6e595b8d9a27","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6d9bb472-5bee-401a-b0a5-c3dbd0e6d174","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b82d1718-e09d-4ced-bc97-6b806a19aa7b","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Não há valor mínimo fixo; muitos CRIs têm valores a partir de R$ 1.000, permitindo acesso a investidores com diferentes orçamentos. Seta

[{"selector":"#anim-73eeb6dd-51c8-49fc-947a-17fe84e8d7df","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f4db07d6-f848-4387-904b-104b635615a5","keyframes":{"transform":["translate3d(-190.14598%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6f0b88a8-fc32-4797-87d2-1828037aaca2","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d7811f82-5d9f-4bf8-a931-67adeade5c96","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-9ec357c1-749c-4e07-aaa8-a63f2d46bf76","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Seta Rendimentos são isentos de IR e IOF para pessoas físicas, mas devem ser declarados no Imposto de Renda.

[{"selector":"#anim-d092e49f-6912-4ca1-b9f2-f5954bfe8c93","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0e955dac-8c59-4e45-83d5-8265e58f1efe","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-524d5d7a-ae23-4c38-9fcb-c8799b5912c2","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4927c009-9f4a-4210-b318-6e85dafafbd0","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-720851b4-1295-4234-be67-d171469b3e76","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] CRIs têm risco de liquidez e de crédito (sem proteção do FGC) e podem ter garantias como alienação fiduciária ou penhor agrícola. Seta

[{"selector":"#anim-6ec40434-e94d-412d-bb0d-4cfce0032794","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0cf778d0-7b25-4152-aacb-42fb8e5ff8a0","keyframes":{"transform":["translate3d(0px, -1557.48909%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-46722267-0383-462f-9210-c678171b7d82","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-71aecc62-9309-4055-9e85-dd07fd815d28","keyframes":{"transform":["translate3d(0px, 1655.55596%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Foto: Canva LEIA MAIS EM SOBREMONEY.COM.BR Seta