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Blog do Coach - Sim, alugar imóvel é um bom negócio
Brasília,
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19 d maio d 2019

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Sim, alugar imóvel é um bom negócio


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11 de julho, 2014 | Autor: Gustavo Cerbasi | Tópicos: Conhecimento
Tags: , ,


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A obsessão pela casa própria deixa evidente a falta de educação financeira dos brasileiros. Quem diz isso não sou eu, e sim os números.

Não é preciso fazer muitas contas. Coloque-se no lugar do proprietário de imóvel. Raramente os rendimentos do aluguel superam 0,5% ao mês. Na dura realidade de juros elevados, qualquer um que compra um imóvel pode também investir seu patrimônio na renda fixa, com ganhos superiores a 0,7% mensais. Se não é bom negócio para locadores, por que seria para inquilinos?

O caminho para sair do aluguel, para a maioria das pessoas, é por meio do financiamento. Na prática, financiar é tomar dinheiro emprestado e pagar um aluguel por ele. Pouca gente percebe o mau negócio que faz ao deixar de alugar por 0,5% ou 0,6% ao mês e passar a alugar dinheiro do banco ou da construtora por algo entre 0,8% e 1% ao mês. Aqui, alugar dinheiro é mais caro que alugar imóvel. É insensatez, mas é fato.

Há contra-argumentos que tentam derrubar essa reflexão. Um deles é que aluguel de imóvel é pela vida toda, enquanto o “aluguel de dinheiro” – ou financiamento – é por apenas alguns anos. Façamos novas contas. Um imóvel de R$ 500 mil pode ser alugado por R$ 3 mil mensais. Um financiamento desse mesmo imóvel pediria pelo menos uma entrada de R$ 150 mil, e o restante seria parcelado em, digamos, 20 anos com prestações de cerca de R$ 3.550 mensais. Considerei juros de 0,9% ao mês.

Os R$ 550 mensais da diferença, se bem investidos por 20 anos, podem resultar em R$ 193 mil. Somados aos R$ 150 mil da entrada e aos rendimentos que esse valor também geraria em 20 anos, dá um total de cerca de R$ 501 mil. Considerei rendimentos de 0,3% ao mês acima da inflação, para chegar a resultados em valores de hoje.

Você não conseguirá comprar, daqui a 20 anos, o mesmo imóvel que hoje vale R$ 500 mil apenas corrigindo sua poupança pela inflação. Mas estará mais flexível para morar onde quiser, em imóveis adequados a seu instante de vida e de carreira, sem abrir mão da oportunidade de poupar e sem engessar demais seu orçamento. Provavelmente, com isso, terá mais chance de crescimento na carreira e na renda, consequentemente na poupança e na capacidade de comprar um imóvel melhor no futuro. Você se sentirá menos pressionado, por ter um orçamento flexível, que pode ser mudado se a renda cair. Podemos desistir de um imóvel alugado, mas é mau negócio desistir de um financiamento.

A reflexão se inverte quando as prestações do imóvel ficam inferiores à mensalidade do aluguel. Isso ocorre com os imóveis mais baratos, que têm subsídio do governo. Se não for seu caso, pense bem antes de apertar seu orçamento. Quanto mais altos os juros, maior a vantagem da combinação de aluguel com poupança.

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