Mercado imobiliário: opção de investimento para 2019?

Foto: Prefeitura de São José dos Campos

Investir em imóvel é um bom negócio? Seja para morar ou investir, o mercado imobiliário apresentou algumas variáveis nos últimos anos. Por causa da crise financeira que assolou o Brasil, houve retração do setor. No pior momento da recessão, o volume de negócios foi reduzido à metade da melhor série histórica, atingida em 2013. No entanto, apesar de ainda ser tímida, está ocorrendo uma recuperação.

Para quem quer uma casa nova, é hora de planejar-se, afinal as novas medias do Governo Federal facilitam o pagamento para quem quer financiar. E para quem quer investir?

Conversei com o diretor da incorporadora idealizadora do Move Residence, novo empreendimento do Jardim Aquarius, a Flaguma Participações, Flávio Milena Franceschini, que nos contou um pouco sobre o mercado imobiliário, que segundo ele está na fase de recuperação.

“Hoje vemos o ciclo da recessão pelo retrovisor e estamos vivendo o melhor período para investir no mercado imobiliário que é o ciclo da recuperação. Posicionar-se agora é antecipar-se ao ciclo da expansão que ainda será um bom momento para investir, mas não o melhor”, disse Flávio Franceschini.

Flávio Franceschini durante evento de lançamento do Move Residence

Vivian Sant’Anna: Qual a expectativa das incorporadoras para o mercado em 2019? É um bom momento para investir neste mercado?

A redução das incertezas após a eleição esta consolidando um novo ciclo para o mercado imobiliário que já vinha demonstrando através de vários indicadores positivos a sua retomada.

O aumento do nível de confiança, a diminuição do estoque de imóveis residenciais novos que com certeza irá gerar escassez de oferta no médio prazo, a mudanças na legislação, como a Lei do distrato que dá uma maior segurança jurídica para o setor, e a diminuição das taxas de financiamento são alguns dos pontos que me deixam otimista para este ano

Quando falamos em investimentos é essencial ter nossos objetivos financeiros traçados. São várias as opções de investimentos existentes no mercado e fazer uma análise criteriosa da conjuntura econômica e suas variáveis é impreterível.

Estamos cansados de escutar sobre os ciclos de alta e de baixa da bolsa de valores, que devemos comprar na baixa e vender na alta etc… etc.. etc… .

Muito menos volátil que a bolsa de valores, o mercado imobiliário também tem seus ciclos, e entende-los e saber se posicionar no momento certo é muito menos trabalhoso que aprender a ler balanços, analisar gráficos e ainda ter que ficar torcendo para que o Presidente dos Estados Unidos e o da China acordem bem humorados.

Os ciclos do mercado imobiliário perduram em média de 4 anos (conforme dados históricos) com uma nova fase se reiniciando de tempos em tempos. São 4 os ciclos do mercado imobiliário: Expansão, Excesso de Ofertas, Recessão e Recuperação.

Vivian Sant’Anna: Quais os perfis dos investidores do mercado imobiliário?

Acredito que o perfil do investidor muda com o tempo juntamente com o perfil dos consumidores que muda a cada nova geração.

Tradicionalmente o investidor imobiliário tem um perfil mais conservador independente do tipo de imóvel que adquiri. A princípio, quem investe em imóveis busca ter maior segurança, maior controle, mais facilidade para analisar e menor volatilidade.

O investimento no mercado é divido basicamente em 4 segmentos: residencial, comercial, industrial e logístico.

Ser um investidor imobiliário e ter um perfil conservador não significa ficar estagnado. Aquela ideia de comprar um imóvel e deixar de herança para os netos já está ultrapassada. Hoje o perfil conservador do novo investidor imobiliário tem que estar atento as mudanças no comportamento das pessoas, nos seus valores, e seus desejos de vida e bem estar. Por isso é imperativo trocar de posição vendendo imóveis antigos e comprando novos.

Um pequeno exemplo da necessidade de estar trocando o antigo pelo novo, são os apartamentos em condomínio onde o consumo de agua e gás é rateado igualmente entre os moradores. Quem almoça fora e reside sozinho sempre olha meio feio para o vizinho que tem 6 pessoas na família.

Prédios antigos são na maioria das vezes sinônimo de maior manutenção, menor controle, valor de condomínio elevado e baixo retorno sobre o investimento.

Vivian Sant’Anna: Quais as tendências das construções para os próximos anos?

Uma forte tendência que para mim já se tornou realidade: são os empreendimentos com apartamentos compactos e áreas compartilhadas com lavanderia, cozinha e espaços equipados com wi-fi. Esse tipo de imóvel vem de encontro com o desejo de um novo público que busca mais praticidade, liberdade, e preza por mobilidade para terem mais tempo para o lazer.

A procura por esse conceito é cada vez maior, independente do momento da vida da pessoa. Seja para solteiros ou novos casais, ou para quem já criou os filhos e quer um lugar com alto padrão construtivo e com serviços mais acessíveis.

Algumas tendências nunca acabam: construir em locais valorizados, com uma boa infraestrutura, que contenha segurança, opções de transportes e um comércio variado, sempre agregará a qualquer tipo de imóvel um maior valor comercial.

Vivian Sant’Anna: Acredita que as facilidades para financiamentos imobiliários vai impulsionar a compra e a venda de casas e apartamentos?

Financiamento é sinônimo de crédito e é um fator decisivo para a retomada não só do setor imobiliário como também para economia do país como um todo. Acredito que as facilidades para o financiamento imobiliário não só para o consumidor final, mas principalmente para as incorporadoras/construtoras ainda está por vir.

Passamos por um período turbulento com níveis de inadimplência elevadíssimos, que troxe reflexo negativo, não só para o adquirente que passou negociar com os bancos cada vez mais criteriosos na concessão do crédito, como também para as empresas do setor que ainda convivem com juros ainda muito altos para o financiamento da produção de novos empreendimentos.

Estou otimista. As perspectivas são favoráveis e acredito no fortalecimento institucional dos mercados e que país irá alcançar o equilíbrio fiscal necessário para a expansão do financiamento imobiliário, que depende de juros baixos e estáveis.

Nota da Vivian:

Com o crescimento do PIB brasileiro vem a melhora da economia e também o aumento no consumo das famílias e nos volume de investimentos realizados. A taxa de juros, tão presente no mercado imobiliário na hora do financiamento, também se tornam mais atrativas este ano com as novas medidas do Governo.

Logo, se você tem um bom planejamento financeiro e dinheiro poupado é hora de pesquisar e avaliar as possibilidades para a compra da nova casa ou aplicar o dinheiro no mercado de imóveis, que apresentará, a médio e longo prazo, bons resultados.

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