A young Brazilian woman is causing a stir in the social media after sharing his incredible achievement: paying off the loan for an apartment in a much shorter time than expected.
Pâmela Costa, a digital influencer with an impressive base of 230,000 followers, revealed the secret behind her extraordinary feat on her Instagram profile.
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In the post that went viral, Pâmela shared her valuable tip to pay off the financing of an apartment in just 2 years and 8 months, instead of the traditional 30 years.
The young woman began by explaining that the first key to achieving this result was not believing in magic or easy solutions. She stressed the importance of hard work, dedication and commitment to achieve this goal.
Pâmela revealed that the initial debt was R$ 108,000, with decreasing monthly installments of R$ 1,000. However, instead of spending decades paying those installments, she and her partner opted to adopt the “Amortization” method.
For this, they used the “Housing” application from Caixa Econômica Federal, the financial institution responsible for financing. Keep reading to stay on top of this story!
Using amortization features
According to the user, the first step is to find out the exact amount of the debt. Then, just access the “Services” section and click on “Amortization”, within Caixa’s “Housing” application.
In this step, you can enter the amount you want to amortize, which can be any amount. The young woman points out that, if there is a monthly amount of, for example, R$ 100, it is possible to use it to pay off the debt.
In addition, she points out that there is also the option to reduce the term or value of the installment. However, reducing the deadline is the most advantageous alternative, according to her experience.
To illustrate her strategy, the young woman carried out a simulation in which she invested BRL 1,000 in amortization and managed to reduce three installments at once.
As a result of this continued practice, her monthly installments were reduced and she finalized her mortgage payment. immobile.
The tip shared by the user went viral on social media and received numerous thanks from Internet users. Many were surprised by the simplicity of the strategy, which can help many people pay off their debts more quickly and, in fact, conquer their dream home.