{"id":31824,"date":"2025-06-04T11:00:55","date_gmt":"2025-06-04T14:00:55","guid":{"rendered":"https:\/\/www.tenda.com\/blog\/?p=31824"},"modified":"2026-06-25T16:28:38","modified_gmt":"2026-06-25T19:28:38","slug":"comprar-imovel-sem-entrada","status":"publish","type":"post","link":"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/comprar-imovel-sem-entrada","title":{"rendered":"Comprar im\u00f3vel sem entrada: como funciona? D\u00e1 para financiar?"},"content":{"rendered":"<p>Voc\u00ea sabia que \u00e9 poss\u00edvel <strong>comprar im\u00f3vel sem entrada<\/strong>? A ideia de que \u00e9 necess\u00e1rio oferecer um valor alto para come\u00e7ar esse processo afasta muita gente, mas existem alternativas reais que tornam essa conquista mais acess\u00edvel do que se imagina.<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_71 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">O que voc\u00ea vai encontrar nesse post <\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/comprar-imovel-sem-entrada\/#E_possivel_financiar_um_imovel_sem_entrada\" title=\"\u00c9 poss\u00edvel financiar um im\u00f3vel sem entrada?\">\u00c9 poss\u00edvel financiar um im\u00f3vel sem entrada?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/comprar-imovel-sem-entrada\/#Quem_pode_se_beneficiar_desse_tipo_de_condicao\" title=\"Quem pode se beneficiar desse tipo de condi\u00e7\u00e3o?\">Quem pode se beneficiar desse tipo de condi\u00e7\u00e3o?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/comprar-imovel-sem-entrada\/#Como_comprar_imovel_sem_entrada\" title=\"Como comprar im\u00f3vel sem entrada?\">Como comprar im\u00f3vel sem entrada?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/comprar-imovel-sem-entrada\/#Programa_Minha_Casa_Minha_Vida_MCMV\" title=\"Programa Minha Casa, Minha Vida (MCMV)\">Programa Minha Casa, Minha Vida (MCMV)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/comprar-imovel-sem-entrada\/#Subsidios_do_governo\" title=\"Subs\u00eddios do governo\">Subs\u00eddios do governo<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/comprar-imovel-sem-entrada\/#Uso_do_FGTS\" title=\"Uso do FGTS\">Uso do FGTS<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/comprar-imovel-sem-entrada\/#Consorcio\" title=\"Cons\u00f3rcio\">Cons\u00f3rcio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/comprar-imovel-sem-entrada\/#Negociacao_com_construtoras\" title=\"Negocia\u00e7\u00e3o com construtoras\">Negocia\u00e7\u00e3o com construtoras<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/comprar-imovel-sem-entrada\/#Comprar_um_apartamento_sem_entrada_como_funciona\" title=\"Comprar um apartamento sem entrada: como funciona?\">Comprar um apartamento sem entrada: como funciona?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/comprar-imovel-sem-entrada\/#1_Simulacao_do_financiamento\" title=\"1. Simula\u00e7\u00e3o do financiamento\">1. Simula\u00e7\u00e3o do financiamento<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/comprar-imovel-sem-entrada\/#2_Envio_dos_documentos_necessarios\" title=\"2. Envio dos documentos necess\u00e1rios\">2. Envio dos documentos necess\u00e1rios<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/comprar-imovel-sem-entrada\/#3_Aguardar_a_analise_de_credito\" title=\"3. Aguardar a an\u00e1lise de cr\u00e9dito\">3. Aguardar a an\u00e1lise de cr\u00e9dito<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/comprar-imovel-sem-entrada\/#4_Aprovacao_do_financiamento\" title=\"4. Aprova\u00e7\u00e3o do financiamento\">4. Aprova\u00e7\u00e3o do financiamento<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/comprar-imovel-sem-entrada\/#5_Assinatura_do_contrato\" title=\"5. Assinatura do contrato\">5. Assinatura do contrato<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/comprar-imovel-sem-entrada\/#Vale_a_pena_comprar_imovel_sem_entrada\" title=\"Vale a pena comprar im\u00f3vel sem entrada?\">Vale a pena comprar im\u00f3vel sem entrada?<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>De acordo com uma <a href=\"https:\/\/www.abrainc.org.br\/credito-imobiliario\/2023\/08\/25\/83-das-pessoas-que-fizeram-financiamento-imobiliario-utilizam-o-imovel-para-fins-de-moradia\" class=\"broken_link\" rel=\"nofollow\">pesquisa<\/a> da Brain Intelig\u00eancia Estrat\u00e9gica para a ABRAINC, <strong>83% dos brasileiros que fazem financiamento utilizam o bem para fins de moradia<\/strong>.<\/p>\n<p>Ter um lar pr\u00f3prio \u00e9 prioridade para muitas fam\u00edlias, por\u00e9m, poucos conhecem as op\u00e7\u00f5es dispon\u00edveis para quem tem baixo or\u00e7amento.<\/p>\n<p>Se voc\u00ea faz parte desse grupo, n\u00e3o se preocupe! Neste artigo, descubra como comprar uma casa sem dinheiro de entrada, quais projetos do governo podem ajudar e se essa modalidade vale a pena.<\/p>\n<p>Vamos l\u00e1?<\/p>\n<h2><span class=\"ez-toc-section\" id=\"E_possivel_financiar_um_imovel_sem_entrada\"><\/span>\u00c9 poss\u00edvel financiar um im\u00f3vel sem entrada?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-31829\" src=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/05\/E-possivel-financiar-um-imovel-sem-entrada.jpg\" alt=\"\u00c9 poss\u00edvel financiar um im\u00f3vel sem entrada | Chave pendurada na porta com pingente de casa | Trilha da Conquista | Blog da Tenda \" width=\"800\" height=\"530\" srcset=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/05\/E-possivel-financiar-um-imovel-sem-entrada.jpg 800w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/05\/E-possivel-financiar-um-imovel-sem-entrada-300x199.jpg 300w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/05\/E-possivel-financiar-um-imovel-sem-entrada-768x509.jpg 768w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/05\/E-possivel-financiar-um-imovel-sem-entrada-150x99.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p>Sim, \u00e9 poss\u00edvel financiar um im\u00f3vel sem entrada, especialmente por meio de programas habitacionais como o Minha Casa, Minha Vida (MCMV). No entanto, \u00e9 importante lembrar que essa condi\u00e7\u00e3o depende de alguns crit\u00e9rios, como a renda familiar, o valor do im\u00f3vel e os benef\u00edcios dispon\u00edveis para o seu perfil.<\/p>\n<p>Al\u00e9m disso, nem todas propriedades ou bancos oferecem essa possibilidade. Portanto, \u00e9 fundamental buscar empresas que atuam com foco nesse p\u00fablico.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Quem_pode_se_beneficiar_desse_tipo_de_condicao\"><\/span>Quem pode se beneficiar desse tipo de condi\u00e7\u00e3o?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Para quem busca condi\u00e7\u00f5es acess\u00edveis, existe financiamento sem entrada principalmente nos seguintes casos:<\/p>\n<ul>\n<li>fam\u00edlias com renda mensal dentro do programa MCMV.<\/li>\n<li>mulheres chefes de fam\u00edlia;<\/li>\n<li>fam\u00edlias com dependentes (como filhos menores);<\/li>\n<li>pessoas que ainda n\u00e3o possuem im\u00f3vel pr\u00f3prio;<\/li>\n<li>trabalhadores com saldo de FGTS.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Como_comprar_imovel_sem_entrada\"><\/span>Como comprar im\u00f3vel sem entrada?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>H\u00e1 algumas formas de comprar im\u00f3vel sem entrada, como:<\/p>\n<ul>\n<li>programa Minha Casa, Minha Vida;<\/li>\n<li>subs\u00eddios do governo;<\/li>\n<li><a href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/como-sacar-o-fgts-para-comprar-um-imovel\/\">uso do FGTS<\/a>;<\/li>\n<li>cons\u00f3rcio;<\/li>\n<li>negocia\u00e7\u00e3o com construtoras.<\/li>\n<\/ul>\n<p>Ent\u00e3o, entenda como funciona cada m\u00e9todo!<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Programa_Minha_Casa_Minha_Vida_MCMV\"><\/span>Programa Minha Casa, Minha Vida (MCMV)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-31830\" src=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/05\/Programa-Minha-Casa-Minha-Vida.jpg\" alt=\"Programa Minha Casa, Minha Vida | Corretora cumprimenta casal ap\u00f3s visita ao im\u00f3vel | Trilha da Conquista | Blog da Tenda \" width=\"800\" height=\"530\" srcset=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/05\/Programa-Minha-Casa-Minha-Vida.jpg 800w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/05\/Programa-Minha-Casa-Minha-Vida-300x199.jpg 300w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/05\/Programa-Minha-Casa-Minha-Vida-768x509.jpg 768w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/05\/Programa-Minha-Casa-Minha-Vida-150x99.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p>O <a href=\"https:\/\/tenda.com\/minha-casa-minha-vida\">Minha Casa, Minha Vida<\/a> \u00e9 um dos programas habitacionais do governo mais conhecidos, dedicado a pessoas de baixa renda. <strong>Em 2024, o projeto bateu o recorde de 698 mil financiamentos<\/strong>, segundo a <a href=\"https:\/\/www.cnnbrasil.com.br\/economia\/macroeconomia\/minha-casa-minha-vida-tem-recorde-de-698-mil-contratos-celebrados-em-2024\/\">CNN<\/a>.<\/p>\n<p>Assim, para quem deseja comprar um im\u00f3vel sem entrada, o MCMV pode ser um grande aliado. Por exemplo, quem se enquadra na faixa 1 de renda pode reduzir o valor inicial para at\u00e9 5% do total da moradia.<\/p>\n<p>Al\u00e9m disso, o financiamento recebe ajuste conforme a realidade financeira do comprador, o que torna as taxas de juros reduzidas e as parcelas mais acess\u00edveis e compat\u00edveis com o <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/9-coisas-que-todo-orcamento-deve-ter-para-dar-certo\">or\u00e7amento<\/a>.<\/p>\n<p>Na faixa 1, as condi\u00e7\u00f5es para participar:<\/p>\n<ul>\n<li>o im\u00f3vel n\u00e3o pode ultrapassar o valor de R$ 170 mil reais;<\/li>\n<li>o titular de contrato n\u00e3o pode ter casa pr\u00f3pria ou financiamento vigente;<\/li>\n<li>a renda mensal n\u00e3o deve ser acima de R$ 2.850,00 para \u00e1reas urbanas e acima de R$ 40.000,00 anuais para habita\u00e7\u00f5es rurais;<\/li>\n<li>quem aderiu a outro programa habitacional nos \u00faltimos 10 anos fica de fora.<\/li>\n<\/ul>\n<p><strong>Saiba mais: <\/strong><a href=\"https:\/\/www.tenda.com\/blog\/minha-casa-minha-vida\/faixa-1-do-minha-casa-minha-vida\"><strong>Faixa 1 do Minha Casa, Minha Vida: quais s\u00e3o os benef\u00edcios?<\/strong><\/a><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Subsidios_do_governo\"><\/span>Subs\u00eddios do governo<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Em alguns casos, o estado ou munic\u00edpio pode conceder subs\u00eddios, ou seja, valores que n\u00e3o exigem devolu\u00e7\u00e3o. Desse modo, esse recurso funciona como um desconto no custo do im\u00f3vel, que reduz a entrada ou at\u00e9 a elimina.<\/p>\n<p>A quantia varia de acordo com a faixa de <a href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/renda-familiar\">renda familiar<\/a>, a localiza\u00e7\u00e3o do bem e o n\u00famero de dependentes.<\/p>\n<p>Por exemplo, uma fam\u00edlia de baixa renda com dois filhos pequenos pode conseguir subs\u00eddio pelo <a href=\"https:\/\/www.casapaulista.sp.gov.br\/\">programa Casa Paulista<\/a>, para adquirir um apartamento. Com esse dinheiro, \u00e9 poss\u00edvel ajudar a cobrir a entrada.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Uso_do_FGTS\"><\/span>Uso do FGTS<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-31831\" src=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/05\/Uso-do-FGTS.jpg\" alt=\"Uso do FGTS | Pessoa preenchendo formul\u00e1rio com miniatura de casa ao lado | Trilha da Conquista | Blog da Tenda \" width=\"800\" height=\"530\" srcset=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/05\/Uso-do-FGTS.jpg 800w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/05\/Uso-do-FGTS-300x199.jpg 300w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/05\/Uso-do-FGTS-768x509.jpg 768w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/05\/Uso-do-FGTS-150x99.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p>Outra alternativa para quem deseja comprar um im\u00f3vel sem entrada \u00e9 o uso do <a href=\"https:\/\/www.caixa.gov.br\/beneficios-trabalhador\/fgts\/Paginas\/default.aspx\" class=\"broken_link\" rel=\"nofollow\">Fundo de Garantia por Tempo de Servi\u00e7o<\/a> (FGTS), dispon\u00edvel para trabalhadores com carteira assinada.<\/p>\n<p>Esse valor pode servir para:<\/p>\n<ul>\n<li>pagar parte ou toda a entrada;<\/li>\n<li>abater o valor do financiamento;<\/li>\n<li>diminuir o <a href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/como-diminuir-valor-de-parcelas-de-financiamento-de-imoveis\/\">valor das parcelas<\/a>.<\/li>\n<\/ul>\n<p>Esse recurso \u00e9 v\u00e1lido tanto para o Minha Casa, Minha Vida, quanto para alguns financiamentos tradicionais.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Consorcio\"><\/span>Cons\u00f3rcio<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>O cons\u00f3rcio \u00e9 uma alternativa para quem quer comprar um im\u00f3vel sem entrada e sem juros. Funciona como uma poupan\u00e7a em grupo: todos contribuem mensalmente e, a cada m\u00eas, um participante recebe uma carta de cr\u00e9dito por sorteio para a aquisi\u00e7\u00e3o.<\/p>\n<p>Apesar de n\u00e3o haver taxas como no financiamento, h\u00e1 reajustes peri\u00f3dicos nas parcelas, que usam o \u00cdndice Nacional de Custo de Constru\u00e7\u00e3o (<a href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/incc\">INCC<\/a>) como base.<\/p>\n<p>\u00c9 ideal para quem pode esperar para comprar, j\u00e1 que n\u00e3o h\u00e1 garantia de tempo para a contempla\u00e7\u00e3o.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Negociacao_com_construtoras\"><\/span>Negocia\u00e7\u00e3o com construtoras<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Por fim, algumas construtoras aceitam negociar mesmo quando o comprador n\u00e3o tem o valor de entrada dispon\u00edvel, como a Construtora Tenda.<\/p>\n<p>Essas empresas oferecem condi\u00e7\u00f5es especiais para o p\u00fablico de baixa renda, com alternativas como distribuir o custo inicial ao longo da constru\u00e7\u00e3o da unidade habitacional.<\/p>\n<p>Al\u00e9m disso, ajudam a encontrar moradias compat\u00edveis com a renda familiar, o que torna o processo mais simples, r\u00e1pido e seguro.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Comprar_um_apartamento_sem_entrada_como_funciona\"><\/span>Comprar um apartamento sem entrada: como funciona?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-31832\" src=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/05\/Comprar-um-apartamento-sem-entrada.png\" alt=\"Comprar um apartamento sem entrada: como funciona | Mulher analisando documentos sentada no sof\u00e1 | Trilha da Conquista | Blog da Tenda \" width=\"800\" height=\"530\" srcset=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/05\/Comprar-um-apartamento-sem-entrada.png 800w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/05\/Comprar-um-apartamento-sem-entrada-300x199.png 300w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/05\/Comprar-um-apartamento-sem-entrada-768x509.png 768w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/05\/Comprar-um-apartamento-sem-entrada-150x99.png 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p>O processo para comprar um apartamento sem entrada segue as seguintes etapas:<\/p>\n<ol>\n<li>Simula\u00e7\u00e3o do financiamento<\/li>\n<li>Envio dos documentos necess\u00e1rios<\/li>\n<li>Aguardar a an\u00e1lise de cr\u00e9dito<\/li>\n<li>Receber aprova\u00e7\u00e3o do financiamento<\/li>\n<li>Assinatura do contrato<\/li>\n<\/ol>\n<p>A seguir, entenda cada passo!<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Simulacao_do_financiamento\"><\/span>1. Simula\u00e7\u00e3o do financiamento<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A primeira etapa para financiar um apartamento sem entrada \u00e9 fazer uma proje\u00e7\u00e3o do valor. Assim, com base em um c\u00e1lculo, voc\u00ea descobre se tem direito ao MCMV, se h\u00e1 subs\u00eddios dispon\u00edveis e quais as parcelas aproximadas.<\/p>\n<p><strong>Fa\u00e7a uma <\/strong><a href=\"https:\/\/www.tenda.com\/simulador-de-financiamento\"><strong>simula\u00e7\u00e3o gratuita<\/strong><\/a><strong> no site da Tenda e receba o resultado em poucos passos.<\/strong><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Envio_dos_documentos_necessarios\"><\/span>2. Envio dos documentos necess\u00e1rios<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u00c9 necess\u00e1rio enviar documentos pessoais e comprovantes de renda para an\u00e1lise. Por exemplo:<\/p>\n<ul>\n<li>documento com foto (como o RG);<\/li>\n<li>CPF;<\/li>\n<li>certid\u00e3o de nascimento;<\/li>\n<li>contracheques dos \u00faltimos 3 meses (para assalariados);<\/li>\n<li>recibos, faturas ou extratos (para aut\u00f4nomos),<\/li>\n<li>conta de \u00e1gua, luz ou telefone.<\/li>\n<\/ul>\n<p>Se deseja usar o FGTS na aquisi\u00e7\u00e3o, voc\u00ea deve apresentar a carteira de trabalho, o extrato atualizado do fundo e a declara\u00e7\u00e3o do empregador, em alguns casos.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Aguardar_a_analise_de_credito\"><\/span>3. Aguardar a an\u00e1lise de cr\u00e9dito<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-31833\" src=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/05\/Aguardar-a-analise-de-credito.jpg\" alt=\"Aguardar a an\u00e1lise de cr\u00e9dito | Duas pessoas analisando financiamento com calculadora | Trilha da Conquista | Blog da Tenda \" width=\"800\" height=\"530\" srcset=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/05\/Aguardar-a-analise-de-credito.jpg 800w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/05\/Aguardar-a-analise-de-credito-300x199.jpg 300w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/05\/Aguardar-a-analise-de-credito-768x509.jpg 768w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/05\/Aguardar-a-analise-de-credito-150x99.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p>Nesse momento, a institui\u00e7\u00e3o financeira ou o banco parceiro da construtora avalia se o financiamento sem entrada \u00e9 vi\u00e1vel para o seu perfil.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Aprovacao_do_financiamento\"><\/span>4. Aprova\u00e7\u00e3o do financiamento<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ap\u00f3s a an\u00e1lise, ocorre a aprova\u00e7\u00e3o do cr\u00e9dito e a defini\u00e7\u00e3o dos valores para a compra do im\u00f3vel sem entrada.<\/p>\n<p>Se voc\u00ea tiver FGTS dispon\u00edvel e se enquadrar nas regras de subs\u00eddio, pode us\u00e1-los diretamente para cobrir o custo inicial.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Assinatura_do_contrato\"><\/span>5. Assinatura do contrato<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Por fim, com tudo aprovado, \u00e9 hora de assinar o contrato de financiamento com o banco e formalizar a compra. A partir da\u00ed, o im\u00f3vel j\u00e1 est\u00e1 no seu nome!<\/p>\n<p>Agora que voc\u00ea sabe como financiar um im\u00f3vel sem entrada, ser\u00e1 que essa estrat\u00e9gia vale a pena? Descubra a seguir!<\/p>\n<p><strong>Leia tamb\u00e9m: <\/strong><a href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/tipos-de-apartamentos\"><strong>Tipos de apartamentos: como escolher o ideal?<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Vale_a_pena_comprar_imovel_sem_entrada\"><\/span>Vale a pena comprar im\u00f3vel sem entrada?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Sim! Comprar um im\u00f3vel sem entrada \u00e9 uma oportunidade real para quem quer sair do aluguel sem precisar desembolsar uma grande quantia logo no come\u00e7o.<\/p>\n<p>Desse modo, com programas como o Minha Casa, Minha Vida, \u00e9 poss\u00edvel conquistar o primeiro apartamento com seguran\u00e7a, condi\u00e7\u00f5es acess\u00edveis e em conformidade com a lei.<\/p>\n<p>Se voc\u00ea quer realizar o sonho da casa pr\u00f3pria, a <a href=\"http:\/\/tenda.com\"><strong>Tenda <\/strong><\/a>pode te ajudar! Oferecemos im\u00f3veis econ\u00f4micos, enquadrados no MCMV, sob um rigoroso controle da qualidade e com facilidade no pagamento.<\/p>\n<p>S\u00e3o diversas op\u00e7\u00f5es em v\u00e1rios estados do pa\u00eds, com habita\u00e7\u00f5es de 1 a 2 quartos em condom\u00ednios fechados \u2014 ideais para garantir mais conforto e estabilidade para voc\u00ea e sua fam\u00edlia.<\/p>\n<p>Confira nossos <a href=\"https:\/\/tenda.com\/apartamentos-a-venda\">apartamentos \u00e0 venda<\/a> e encontre o lar perfeito para seu futuro!<\/p>\n\n            <div class='ays-quiz-container ays_quiz_rect_dark  ' data-quest-effect='shake'  data-hide-bg-image='false' id='ays-quiz-container-2'>\n                \n                \n                <div class='ays-questions-container'>\n                    \n                    \n                    <form action='' method='post' id='ays_finish_quiz_2' \n                        class='ays-quiz-form enable_correction  '\n                    >\n            <input 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lang=\"PT-BR\" xml:lang=\"PT-BR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW198322712 BCX0\">Voc\u00ea j\u00e1 se imaginou morando em um lugar que tenha \u201ca sua cara?\"<\/span><\/span><\/strong><\/p>\n<p><span class=\"LineBreakBlob BlobObject DragDrop SCXW198322712 BCX0\"><span class=\"SCXW198322712 BCX0\"><span class=\"NormalTextRun SCXW63611185 BCX0\">Qual <\/span><span class=\"NormalTextRun SCXW63611185 BCX0\">lugar<\/span><span class=\"NormalTextRun SCXW63611185 BCX0\"> voc\u00ea j\u00e1 consegue se ver apreciando a vista?<\/span><\/span><br class=\"SCXW198322712 BCX0\" \/><\/span><\/p>\n\n                            <\/div>\n                            \n                        <div class='ays-quiz-answers ays_list_view_container enable_max_selection_number enable_min_selection_number'>\n            <div class='ays-field ays_list_view_item'>\n                <input type='hidden' name='ays_answer_correct[]' value='0'\/>\n\n                <input type='checkbox' 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  <label for='ays-answer-19-2'>\n                        Brinquedoteca\n                    <\/label>\n                    <label for='ays-answer-19-2' class='ays_answer_image ays_answer_image_class'><\/label>\n\n            <\/div>\n            <div class='ays-field ays_list_view_item'>\n                <input type='hidden' name='ays_answer_correct[]' value='0'\/>\n\n                <input type='checkbox' name='ays_questions[ays-question-5]' id='ays-answer-20-2' value='20'\/>\n                    <label for='ays-answer-20-2'>\n                        Churrasqueira\n                    <\/label>\n                    <label for='ays-answer-20-2' class='ays_answer_image ays_answer_image_class'><\/label>\n\n            <\/div>\n            <div class='ays-field ays_list_view_item'>\n                <input type='hidden' name='ays_answer_correct[]' value='0'\/>\n\n                <input type='checkbox' name='ays_questions[ays-question-5]' id='ays-answer-21-2' value='21'\/>\n                 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        <label for='ays-answer-23-2'>\n                        Pet Place\n                    <\/label>\n                    <label for='ays-answer-23-2' class='ays_answer_image ays_answer_image_class'><\/label>\n\n            <\/div>\n            <div class='ays-field ays_list_view_item'>\n                <input type='hidden' name='ays_answer_correct[]' value='0'\/>\n\n                <input type='checkbox' name='ays_questions[ays-question-5]' id='ays-answer-24-2' value='24'\/>\n                    <label for='ays-answer-24-2'>\n                        Piscina\n                    <\/label>\n                    <label for='ays-answer-24-2' class='ays_answer_image ays_answer_image_class'><\/label>\n\n            <\/div>\n            <div class='ays-field ays_list_view_item'>\n                <input type='hidden' name='ays_answer_correct[]' value='0'\/>\n\n                <input type='checkbox' name='ays_questions[ays-question-5]' id='ays-answer-25-2' value='25'\/>\n                    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 \n                    <\/div>\n                <\/div><div class='step ' data-question-id='6' data-type='checkbox'>\n                    \n                    \n                    <p class='ays-question-counter animated'>3 \/ 6<\/p>\n                    <div class='ays-abs-fs'>\n                        \n                        <div class='ays_quiz_question'>\n                                <p><strong><span class=\"TextRun SCXW233131361 BCX0\" lang=\"PT-BR\" xml:lang=\"PT-BR\" data-contrast=\"auto\"><span class=\"NormalTextRun CommentStart SCXW233131361 BCX0\">Voc\u00ea j\u00e1 deu uma olhadinha sem tem FGTS dispon\u00edvel?<\/span><\/span><\/strong><\/p>\n\n                            <\/div>\n                            \n                        <div class='ays-quiz-answers ays_list_view_container enable_max_selection_number enable_min_selection_number'>\n            <div class='ays-field ays_list_view_item'>\n                <input type='hidden' name='ays_answer_correct[]' value='0'\/>\n\n                <input type='checkbox' name='ays_questions[ays-question-6]' id='ays-answer-26-2' value='26'\/>\n                    <label for='ays-answer-26-2'>\n                        Sim, eu tenho!\n                    <\/label>\n                    <label for='ays-answer-26-2' class='ays_answer_image ays_answer_image_class'><\/label>\n\n            <\/div>\n            <div class='ays-field ays_list_view_item'>\n                <input type='hidden' name='ays_answer_correct[]' value='0'\/>\n\n                <input type='checkbox' name='ays_questions[ays-question-6]' id='ays-answer-27-2' value='27'\/>\n                    <label for='ays-answer-27-2'>\n                        N\u00e3o, eu n\u00e3o tenho!\n                    <\/label>\n                    <label for='ays-answer-27-2' class='ays_answer_image ays_answer_image_class'><\/label>\n\n            <\/div>\n            <div class='ays-field ays_list_view_item'>\n                <input type='hidden' 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style='display:none'>\n                            \n                        <\/div>\n                        \n                        \n                    <\/div>\n                <\/div><div class='step ' data-question-id='7' data-type='checkbox'>\n                    \n                    \n                    <p class='ays-question-counter animated'>4 \/ 6<\/p>\n                    <div class='ays-abs-fs'>\n                        \n                        <div class='ays_quiz_question'>\n                                <p><strong><span class=\"NormalTextRun SCXW233131361 BCX0\">O programa <\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW233131361 BCX0\">Minha Casa, Minha Vida oferece<\/span><\/strong><span class=\"NormalTextRun SCXW233131361 BCX0\"><strong> vantagens para cada uma das faixas de renda.<\/strong> <\/span><\/p>\n<p><span class=\"NormalTextRun SCXW233131361 BCX0\">Em qual voc\u00ea se encaixa?<\/span><\/p>\n\n                            <\/div>\n                            \n                        <div class='ays-quiz-answers ays_list_view_container enable_max_selection_number enable_min_selection_number'>\n            <div class='ays-field ays_list_view_item'>\n                <input type='hidden' name='ays_answer_correct[]' value='0'\/>\n\n                <input type='checkbox' name='ays_questions[ays-question-7]' id='ays-answer-29-2' value='29'\/>\n                    <label for='ays-answer-29-2'>\n                        Faixa 1: renda familiar bruta mensal at\u00e9 R$ 2.850,00;\n                    <\/label>\n                    <label for='ays-answer-29-2' class='ays_answer_image ays_answer_image_class'><\/label>\n\n            <\/div>\n            <div class='ays-field ays_list_view_item'>\n                <input type='hidden' name='ays_answer_correct[]' value='0'\/>\n\n                <input type='checkbox' name='ays_questions[ays-question-7]' id='ays-answer-30-2' value='30'\/>\n                    <label 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                      \n                        <\/div>\n                        \n                        \n                    <\/div>\n                <\/div><div class='step ' data-question-id='9' data-type='checkbox'>\n                    \n                    \n                    <p class='ays-question-counter animated'>5 \/ 6<\/p>\n                    <div class='ays-abs-fs'>\n                        \n                        <div class='ays_quiz_question'>\n                                <p><strong><span class=\"TextRun SCXW59422622 BCX0\" lang=\"PT-BR\" xml:lang=\"PT-BR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW59422622 BCX0\"> J\u00e1 fez alguma simula\u00e7\u00e3o de financiamento?<\/span><\/span><\/strong><\/p>\n\n                            <\/div>\n                            \n                        <div class='ays-quiz-answers ays_list_view_container enable_max_selection_number enable_min_selection_number'>\n            <div class='ays-field 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action-button ' value='Pr\u00f3ximo' \/>\n                    <\/div>\n                        <div class=\"ays-quiz-question-validation-error\" role=\"alert\"><\/div>\n                        <div class='wrong_answer_text ays_do_not_show' style='display:none'>\n                            \n                        <\/div>\n                        <div class='right_answer_text ays_do_not_show' style='display:none'>\n                            \n                        <\/div>\n                        <div class='ays_questtion_explanation' style='display:none'>\n                            \n                        <\/div>\n                        \n                        \n                    <\/div>\n                <\/div><div class='step not_influence_to_score' data-question-id='8' data-type='checkbox'>\n                    \n                    \n                    <p class='ays-question-counter animated'>6 \/ 6<\/p>\n                    <div class='ays-abs-fs'>\n                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                     <input type='text' id='ays_form_field_user_name_2' name='ays_user_name' placeholder='Nome' class='ays_quiz_form_input ays_animated_x5ms' required><input type='text' id='ays_form_field_user_email_2' name='ays_user_email' placeholder='E-mail' class='ays_quiz_form_input ays_animated_x5ms' required><input type='text' id='ays_form_field_user_phone_2' name='ays_user_phone' placeholder='N\u00famero de telefone' class='ays_quiz_form_input ays_animated_x5ms' required>\n                                    <div class='ays_buttons_div'>\n                                        <i class='ays_display_none ays_fa ays_fa_flag_checkered ays_finish action-button ays_arrow ays_next_arrow'><\/i>\n                                        <input type='submit' name='ays_finish_quiz' class=' ays_next ays_finish action-button' value='Ver resultados'\/>\n                                    <\/div>\n                                <\/div>\n                              <\/div><div class='step ays_thank_you_fs'>\n            <div class='ays-abs-fs ays-end-page'><div data-class='lds-ellipsis' data-role='loader' class='ays-loader'><div><\/div><div><\/div><div><\/div><div><\/div><\/div><div class='ays_quiz_results_page'><div class='ays_score_message'><\/div><div class='ays_message'><\/div><p class='ays_restart_button_p'><button type='button' class='action-button ays_restart_button'>\n                    <i class='ays_fa ays_fa_undo'><\/i>\n                    <span>Recome\u00e7ar o question\u00e1rio<\/span>\n                <\/button><\/p><\/div>\n            <\/div>\n        <\/div><style>\n            div#ays-quiz-container-2 * {\n                box-sizing: border-box;\n            }\n\n            #ays-quiz-container-2 [id^='ays_finish_quiz_'] div.step div.ays-abs-fs {\n                width: 90%;\n            }\n\n            \/* Styles for Internet Explorer start *\/\n            #ays-quiz-container-2 #ays_finish_quiz_2 {\n                \n            }\n\n            \/* Styles for Quiz container *\/\n            #ays-quiz-container-2{\n                min-height: 450px;\n                width:100%;\n                background-color:#263f5f;\n                background-position:center center;background-image: url('https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/11\/Design-sem-nome-1-300x158.png');border-radius:16px;box-shadow: none;border: none;}\n\n            \/* Styles for questions *\/\n            #ays-quiz-container-2 #ays_finish_quiz_2 div.step {\n                min-height: 450px;\n            }\n\n            \/* Styles for text inside quiz container *\/\n            #ays-quiz-container-2 .ays-start-page *:not(input):not([class^='enlighter']),\n            #ays-quiz-container-2 .ays_question_hint,\n            #ays-quiz-container-2 label[for^=\"ays-answer-\"],\n            #ays-quiz-container-2 #ays_finish_quiz_2 p,\n            #ays-quiz-container-2 #ays_finish_quiz_2 .ays-fs-title,\n            #ays-quiz-container-2 .ays-fs-subtitle,\n            #ays-quiz-container-2 .logged_in_message,\n            #ays-quiz-container-2 .ays_score_message,\n            #ays-quiz-container-2 .ays_message{\n               color: #ffffff;\n               outline: none;\n            }\n\n            #ays-quiz-container-2 .ays-quiz-password-message-box,\n            #ays-quiz-container-2 .ays-quiz-question-note-message-box,\n            #ays-quiz-container-2 .ays_quiz_question,\n            #ays-quiz-container-2 .ays-quiz-question-category-box,\n            #ays-quiz-container-2 .ays_quiz_question *:not([class^='enlighter']) {\n                color: #ffffff;\n            }\n\n            #ays-quiz-container-2 .ays-quiz-question-category-box em {\n                color: #ffffff;\n            }\n\n            #ays-quiz-container-2 textarea,\n            #ays-quiz-container-2 input::first-letter,\n            #ays-quiz-container-2 select::first-letter,\n            #ays-quiz-container-2 option::first-letter {\n                color: initial !important;\n            }\n            \n            #ays-quiz-container-2 p::first-letter:not(.ays_no_questions_message) {\n                color: #ffffff !important;\n                background-color: transparent !important;\n                font-size: inherit !important;\n                font-weight: inherit !important;\n                float: none !important;\n                line-height: inherit !important;\n                margin: 0 !important;\n                padding: 0 !important;\n            }\n            \n            \n            #ays-quiz-container-2 .select2-container,\n            #ays-quiz-container-2 .ays-field * {\n                font-size: 16px !important;\n            }\n    \n            #ays-quiz-container-2 .ays_quiz_question p {\n                font-size: 16px;\n                text-align: inherit;\n            }\n\n            #ays-quiz-container-2 .ays-fs-subtitle p {\n                text-align:  center ;\n            }\n\n            #ays-quiz-container-2 .ays_quiz_question {\n                text-align:  center ;\n                margin-bottom: 10px;\n            }\n\n            #ays-quiz-container-2 .ays_quiz_question pre {\n                max-width: 100%;\n                white-space: break-spaces;\n            }\n\n            \/* Mango theme (Version: 1.4.202301041836) | tid=32449 | Start *\/\n            #ays-quiz-container-2 .ays_quiz_question img {\n                float: unset;\n                margin: 0;\n            }\n            \/* Mango theme (Version: 1.4.202301041836) | End *\/\n\n            #ays-quiz-container-2 .ays-quiz-timer p {\n                font-size: 16px;\n            }\n\n            #ays-quiz-container-2 section.ays_quiz_redirection_timer_container hr,\n            #ays-quiz-container-2 section.ays_quiz_timer_container hr {\n                margin: 0;\n            }\n\n            #ays-quiz-container-2 section.ays_quiz_timer_container.ays_quiz_timer_red_warning .ays-quiz-timer {\n                color: #ff0000;\n            }\n\n            #ays-quiz-container-2 .ays_thank_you_fs p {\n                text-align: center;\n            }\n\n            #ays-quiz-container-2 .ays_quiz_results_page .ays_score span {\n                visibility: visible;\n            }\n\n            #ays-quiz-container-2 input[type='button'],\n            #ays-quiz-container-2 input[type='submit'] {\n                color: #ffffff !important;\n            }\n\n            #ays-quiz-container-2 input[type='button']{\n                outline: none;\n            }\n\n            #ays-quiz-container-2 .information_form input[type='text'],\n            #ays-quiz-container-2 .information_form input[type='url'],\n            #ays-quiz-container-2 .information_form input[type='number'],\n            #ays-quiz-container-2 .information_form input[type='email'],\n            #ays-quiz-container-2 .information_form input[type='checkbox'],\n            #ays-quiz-container-2 .information_form input[type='tel'],\n            #ays-quiz-container-2 .information_form textarea,\n            #ays-quiz-container-2 .information_form select,\n            #ays-quiz-container-2 .information_form option {\n                color: initial !important;\n                outline: none;\n                background-image: unset;\n            }\n\n            #ays-quiz-container-2 .wrong_answer_text{\n                color:#ff4d4d;\n            }\n            #ays-quiz-container-2 .right_answer_text{\n                color:#33cc33;\n            }\n\n            #ays-quiz-container-2 .wrong_answer_text p {\n                font-size:16px;\n            }\n\n            #ays-quiz-container-2 .ays_questtion_explanation p {\n                font-size:16px;\n            }\n\n            #ays-quiz-container-2 .wrong_answer_text *:not(strong) {\n                text-transform:none;\n                text-decoration: none;\n                letter-spacing: 0px;\n                font-weight: normal;\n            }\n\n            #ays-quiz-container-2 .ays_questtion_explanation *:not(strong) {\n                text-transform:none;\n                text-decoration: none;\n                letter-spacing: 0px;\n                font-weight: normal;\n            }\n\n            #ays-quiz-container-2 .right_answer_text *:not(strong) {\n                text-transform:none;\n                text-decoration: none;\n                letter-spacing: 0px;\n                font-weight: normal;\n            }\n\n            #ays-quiz-container-2 .right_answer_text p {\n                font-size:16px;\n            }\n\n            #ays-quiz-container-2 .ays-quiz-question-note-message-box p {\n                font-size:14px;\n            }\n\n            #ays-quiz-container-2 .ays-quiz-question-note-message-box *:not(strong) {\n                text-transform:none;\n                text-decoration: none;\n                letter-spacing: 0px;\n                font-weight: normal;\n            }\n            \n            #ays-quiz-container-2 .ays_cb_and_a,\n            #ays-quiz-container-2 .ays_cb_and_a * {\n                color: rgb(255,255,255);\n                text-align: center;\n            }\n\n            \/* Quiz textarea height *\/\n            #ays-quiz-container-2 textarea {\n                height: 100px;\n                min-height: 100px;\n            }\n\n            \/* Quiz rate and passed users count *\/\n            #ays-quiz-container-2 .ays_quizn_ancnoxneri_qanak,\n            #ays-quiz-container-2 .ays_quiz_rete_avg {\n                color:#263f5f !important;\n                background-color:#ffffff;   \n            }\n\n            #ays-quiz-container-2 .ays-questions-container > .ays_quizn_ancnoxneri_qanak {\n                padding: 5px 20px;\n            }\n            #ays-quiz-container-2 div.for_quiz_rate.ui.star.rating .icon {\n                color: rgba(255,255,255,0.35);\n            }\n            #ays-quiz-container-2 .ays_quiz_rete_avg div.for_quiz_rate_avg.ui.star.rating .icon {\n                color: rgba(38,63,95,0.5);\n            }\n\n            #ays-quiz-container-2 .ays_quiz_rete .ays-quiz-rate-link-box .ays-quiz-rate-link {\n                color: #ffffff;\n            }\n\n            \/* Loaders *\/            \n            #ays-quiz-container-2 div.lds-spinner,\n            #ays-quiz-container-2 div.lds-spinner2 {\n                color: #ffffff;\n            }\n            #ays-quiz-container-2 div.lds-spinner div:after,\n            #ays-quiz-container-2 div.lds-spinner2 div:after {\n                background-color: #ffffff;\n            }\n            #ays-quiz-container-2 .lds-circle,\n            #ays-quiz-container-2 .lds-facebook div,\n            #ays-quiz-container-2 .lds-ellipsis div{\n                background: #ffffff;\n            }\n            #ays-quiz-container-2 .lds-ripple div{\n                border-color: #ffffff;\n            }\n            #ays-quiz-container-2 .lds-dual-ring::after,\n            #ays-quiz-container-2 .lds-hourglass::after{\n                border-color: #ffffff transparent #ffffff transparent;\n            }\n\n            \/* Stars *\/\n            #ays-quiz-container-2 .ui.rating .icon,\n            #ays-quiz-container-2 .ui.rating .icon:before {\n                font-family: Rating !important;\n            }\n\n            \/* Progress bars *\/\n            #ays-quiz-container-2 #ays_finish_quiz_2 .ays-progress {\n                border-color: rgba(255,255,255,0.8);\n            }\n            #ays-quiz-container-2 #ays_finish_quiz_2 .ays-progress-bg {\n                background-color: rgba(255,255,255,0.3);\n            }    \n            #ays-quiz-container-2 .ays-progress-value {\n                color: #ffffff;\n                text-align: center;\n            }\n            #ays-quiz-container-2 .ays-progress-bar {\n                background-color: #d50037;\n            }\n            #ays-quiz-container-2 .ays-question-counter .ays-live-bar-wrap {\n                direction:ltr !important;\n            }\n            #ays-quiz-container-2 .ays-live-bar-fill{\n                color: #ffffff;\n                border-bottom: 2px solid rgba(255,255,255,0.8);\n                text-shadow: 0px 0px 5px #263f5f;\n            }\n            #ays-quiz-container-2 .ays-live-bar-fill.ays-live-fourth,\n            #ays-quiz-container-2 .ays-live-bar-fill.ays-live-third,\n            #ays-quiz-container-2 .ays-live-bar-fill.ays-live-second {\n                text-shadow: unset;\n            }\n            #ays-quiz-container-2 .ays-live-bar-percent{\n                display:none;\n            }\n            #ays-quiz-container-2 #ays_finish_quiz_2 .ays_average {\n                text-align: center;\n            }\n            \n            \/* Music, Sound *\/\n            #ays-quiz-container-2 .ays_music_sound {\n                color:rgb(255,255,255);\n            }\n\n            \/* Dropdown questions scroll bar *\/\n            #ays-quiz-container-2 blockquote {\n                border-left-color: #ffffff !important;                                      \n            }\n\n            \/* Quiz Password *\/\n            #ays-quiz-container-2 .ays-start-page > input[id^='ays_quiz_password_val_'],\n            #ays-quiz-container-2 .ays-quiz-password-toggle-visibility-box {\n                width: 100%;\n            }\n\n\n            \/* Question hint *\/\n            #ays-quiz-container-2 .ays_question_hint_container .ays_question_hint_text {\n                background-color:#263f5f;\n                box-shadow: 0 0 15px 3px rgba(201,201,201,0.6);\n                max-width: 270px;\n            }\n\n            #ays-quiz-container-2 .ays_question_hint_container .ays_question_hint_text p {\n                max-width: unset;\n            }\n\n            #ays-quiz-container-2 .ays_questions_hint_max_width_class {\n                max-width: 80%;\n            }\n\n            \/* Information form *\/\n            #ays-quiz-container-2 .ays-form-title{\n                color:rgb(255,255,255);\n            }\n\n            \/* Quiz timer *\/\n            #ays-quiz-container-2 div.ays-quiz-redirection-timer,\n            #ays-quiz-container-2 div.ays-quiz-timer{\n                color: #ffffff;\n                text-align: center;\n            }\n\n            #ays-quiz-container-2 div.ays-quiz-timer.ays-quiz-message-before-timer:before {\n                font-weight: 500;\n            }\n\n            \/* Quiz title \/ transformation *\/\n            #ays-quiz-container-2 .ays-fs-title{\n                text-transform: none;\n                font-size: 28px;\n                text-align: center;\n                    text-shadow: none;\n            }\n            \n            \/* Quiz buttons *\/\n            #ays-quiz-container-2 .ays_arrow {\n                color:#ffffff!important;\n            }\n            #ays-quiz-container-2 input#ays-submit,\n            #ays-quiz-container-2 #ays_finish_quiz_2 .action-button,\n            div#ays-quiz-container-2 #ays_finish_quiz_2 .action-button.ays_restart_button,\n            #ays-quiz-container-2 + .ays-quiz-category-selective-main-container .ays-quiz-category-selective-restart-bttn,\n            #ays-quiz-container-2 .ays-quiz-category-selective-submit-bttn {\n                background: none;\n                background-color: #d50037;\n                color:#ffffff;\n                font-size: 18px;\n                padding: 14px 36px;\n                border-radius: 8px;\n                height: auto;\n                letter-spacing: 0;\n                box-shadow: unset;\n                width: auto;\n                border: unset;\n                min-height: unset;\n                line-height: normal;\n                text-shadow: unset;\n            }\n            #ays-quiz-container-2 input#ays-submit,\n            #ays-quiz-container-2 #ays_finish_quiz_2 input.action-button,\n            #ays-quiz-container-2 + .ays-quiz-category-selective-main-container .ays-quiz-category-selective-restart-bttn,\n            #ays-quiz-container-2 .ays-quiz-category-selective-submit-bttn {\n                \n            }\n\n            #ays-quiz-container-2 #ays_finish_quiz_2 .action-button.ays_check_answer {\n                padding: 5px 10px;\n                font-size: 18px !important;\n            }\n            #ays-quiz-container-2 #ays_finish_quiz_2 .action-button.ays_restart_button {\n                white-space: nowrap;\n                padding: 5px 10px;\n                white-space: normal;\n            }\n            #ays-quiz-container-2 input#ays-submit:hover,\n            #ays-quiz-container-2 input#ays-submit:focus,\n            #ays-quiz-container-2 #ays_finish_quiz_2 .action-button:hover,\n            #ays-quiz-container-2 #ays_finish_quiz_2 .action-button:focus,\n            #ays-quiz-container-2 + .ays-quiz-category-selective-main-container .ays-quiz-category-selective-restart-bttn:hover,\n            #ays-quiz-container-2 .ays-quiz-category-selective-submit-bttn:hover {\n                background: none;\n                box-shadow: 0 0 0 2px #ffffff;\n                background-color: #d50037;\n            }\n            #ays-quiz-container-2 .ays_restart_button {\n                color: #ffffff;\n            }\n            \n            #ays-quiz-container-2 .ays_restart_button_p,\n            #ays-quiz-container-2 .ays_buttons_div {\n                justify-content: center;\n            }\n\n            #ays-quiz-container-2 .ays_finish.action-button{\n                margin: 10px 5px;\n            }\n\n            #ays-quiz-container-2 .ays-share-btn.ays-share-btn-branded {\n                color: #fff;\n                display: inline-block;\n            }\n\n            #ays-quiz-container-2 .ays_quiz_results .ays-field.checked_answer_div.correct_div input:checked+label {\n                background-color: transparent;\n            }\n                        \n            \/* Question answers *\/\n            #ays-quiz-container-2 .ays-field {\n                    border-color: #ffffff;\n                    border-style: solid;\n                    border-width: 1px;\n                    box-shadow: none;\n            }\n\n            \/* Answer maximum length of a text field *\/\n            #ays-quiz-container-2 .ays_quiz_question_text_message{\n                color: #ffffff;\n                text-align: left;\n                font-size: 12px;\n            }\n\n            div#ays-quiz-container-2 div.ays_quiz_question_text_error_message {\n                color: #ff0000;\n            }\n            \n            #ays-quiz-container-2 .ays-quiz-answers .ays-field:hover{\n                opacity: 1;\n            }\n            #ays-quiz-container-2 #ays_finish_quiz_2 .ays-field {\n                margin-bottom: 12px;\n            }\n            #ays-quiz-container-2 #ays_finish_quiz_2 .ays-field.ays_grid_view_item {\n                width: calc(50% - 6px);\n            }\n            #ays-quiz-container-2 #ays_finish_quiz_2 .ays-field.ays_grid_view_item:nth-child(odd) {\n                margin-right: 6px;\n            }\n            \n            #ays-quiz-container-2 #ays_finish_quiz_2 .ays-field input:checked+label:before {\n                border-color: #d50037;\n                background: #d50037;\n                background-clip: content-box;\n            }\n            #ays-quiz-container-2 .ays-quiz-answers div.ays-text-right-answer {\n                color: #ffffff;\n            }\n            \n            \/* Questions answer image *\/\n            #ays-quiz-container-2 .ays-answer-image {\n                width:50%;\n            }\n            \n            \/* Questions answer right\/wrong icons *\/\n            #ays-quiz-container-2 .ays-field input~label.answered.correct:after{\n                content: '';          }\n            #ays-quiz-container-2 .ays-field input~label.answered.wrong:after{\n                content: '';\n            }\n            \/* Dropdown questions *\/            \n            #ays-quiz-container-2 #ays_finish_quiz_2 .ays-field .select2-container--default .select2-selection--single {\n                border-bottom: 2px solid #d50037;\n                background-color: #d50037;\n            }\n            \n            #ays-quiz-container-2 .ays-field .select2-container--default .select2-selection--single .select2-selection__placeholder,\n            #ays-quiz-container-2 .ays-field .select2-container--default .select2-selection--single .select2-selection__rendered,\n            #ays-quiz-container-2 .ays-field .select2-container--default .select2-selection--single .select2-selection__arrow {\n                color: #000000;\n            }\n\n            #ays-quiz-container-2 .select2-container--default .select2-search--dropdown .select2-search__field:focus,\n            #ays-quiz-container-2 .select2-container--default .select2-search--dropdown .select2-search__field {\n                outline: unset;\n                padding: 0.75rem;\n            }\n\n            #ays-quiz-container-2 .ays-field .select2-container--default .select2-selection--single .select2-selection__rendered,\n            #ays-quiz-container-2 .select2-container--default .select2-results__option--highlighted[aria-selected] {\n                background-color: #d50037;\n            }\n\n            #ays-quiz-container-2 .ays-field .select2-container--default,\n            #ays-quiz-container-2 .ays-field .select2-container--default .selection,\n            #ays-quiz-container-2 .ays-field .select2-container--default .dropdown-wrapper,\n            #ays-quiz-container-2 .ays-field .select2-container--default .select2-selection--single .select2-selection__rendered,\n            #ays-quiz-container-2 .ays-field .select2-container--default .select2-selection--single .select2-selection__rendered .select2-selection__placeholder,\n            #ays-quiz-container-2 .ays-field .select2-container--default .select2-selection--single .select2-selection__arrow,\n            #ays-quiz-container-2 .ays-field .select2-container--default .select2-selection--single .select2-selection__arrow b[role='presentation'] {\n                font-size: 16px !important;\n            }\n\n            #ays-quiz-container-2 .select2-container--default .select2-results__option {\n                padding: 6px;\n            }\n            \n            \/* Dropdown questions scroll bar *\/\n            #ays-quiz-container-2 .select2-results__options::-webkit-scrollbar {\n                width: 7px;\n            }\n            #ays-quiz-container-2 .select2-results__options::-webkit-scrollbar-track {\n                background-color: rgba(38,63,95,0.35);\n            }\n            #ays-quiz-container-2 .select2-results__options::-webkit-scrollbar-thumb {\n                transition: .3s ease-in-out;\n                background-color: rgba(255,255,255,0.55);\n            }\n            #ays-quiz-container-2 .select2-results__options::-webkit-scrollbar-thumb:hover {\n                transition: .3s ease-in-out;\n                background-color: rgba(255,255,255,0.85);\n            }\n\n            \/* Audio \/ Video *\/\n            #ays-quiz-container-2 .mejs-container .mejs-time{\n                box-sizing: unset;\n            }\n            #ays-quiz-container-2 .mejs-container .mejs-time-rail {\n                padding-top: 15px;\n            }\n\n            #ays-quiz-container-2 .mejs-container .mejs-mediaelement video {\n                margin: 0;\n            }\n\n            \/* Limitation *\/\n            #ays-quiz-container-2 .ays-quiz-limitation-count-of-takers {\n                padding: 50px;\n            }\n\n            #ays-quiz-container-2 div.ays-quiz-results-toggle-block span.ays-show-res-toggle.ays-res-toggle-show,\n            #ays-quiz-container-2 div.ays-quiz-results-toggle-block span.ays-show-res-toggle.ays-res-toggle-hide{\n                color: #ffffff;\n            }\n\n            #ays-quiz-container-2 div.ays-quiz-results-toggle-block input:checked + label.ays_switch_toggle {\n                border: 1px solid #ffffff;\n            }\n\n            #ays-quiz-container-2 div.ays-quiz-results-toggle-block input:checked + label.ays_switch_toggle {\n                border: 1px solid #ffffff;\n            }\n\n            #ays-quiz-container-2 div.ays-quiz-results-toggle-block input:checked + label.ays_switch_toggle:after{\n                background: #ffffff;\n            }\n\n            #ays-quiz-container-2.ays_quiz_elegant_dark div.ays-quiz-results-toggle-block input:checked + label.ays_switch_toggle:after,\n            #ays-quiz-container-2.ays_quiz_rect_dark div.ays-quiz-results-toggle-block input:checked + label.ays_switch_toggle:after{\n                background: #000;\n            }\n\n            \/* Hestia theme (Version: 3.0.16) | Start *\/\n            #ays-quiz-container-2 .mejs-container .mejs-inner .mejs-controls .mejs-button > button:hover,\n            #ays-quiz-container-2 .mejs-container .mejs-inner .mejs-controls .mejs-button > button {\n                box-shadow: unset;\n                background-color: transparent;\n            }\n            #ays-quiz-container-2 .mejs-container .mejs-inner .mejs-controls .mejs-button > button {\n                margin: 10px 6px;\n            }\n            \/* Hestia theme (Version: 3.0.16) | End *\/\n\n            \/* Go theme (Version: 1.4.3) | Start *\/\n            #ays-quiz-container-2 label[for^='ays-answer']:before,\n            #ays-quiz-container-2 label[for^='ays-answer']:before {\n                -webkit-mask-image: unset;\n                mask-image: unset;\n            }\n\n            #ays-quiz-container-2.ays_quiz_classic_light .ays-field input:checked+label.answered.correct:before,\n            #ays-quiz-container-2.ays_quiz_classic_dark .ays-field input:checked+label.answered.correct:before {\n                background-color: #d50037 !important;\n            }\n            \/* Go theme (Version: 1.4.3) | End *\/\n\n            #ays-quiz-container-2 .ays_quiz_results fieldset.ays_fieldset .ays_quiz_question .wp-video {\n                width: 100% !important;\n                max-width: 100%;\n            }\n\n            \/* Classic Dark \/ Classic Light *\/\n            \/* Dropdown questions right\/wrong styles *\/\n            #ays-quiz-container-2.ays_quiz_classic_dark .correct_div,\n            #ays-quiz-container-2.ays_quiz_classic_light .correct_div{\n                border-color:green !important;\n                opacity: 1 !important;\n                background-color: rgba(39,174,96,0.4) !important;\n            }\n            #ays-quiz-container-2.ays_quiz_classic_dark .correct_div .selected-field,\n            #ays-quiz-container-2.ays_quiz_classic_light .correct_div .selected-field {\n                padding: 0px 10px 0px 10px;\n                color: green !important;\n            }\n\n            #ays-quiz-container-2.ays_quiz_classic_dark .wrong_div,\n            #ays-quiz-container-2.ays_quiz_classic_light .wrong_div{\n                border-color:red !important;\n                opacity: 1 !important;\n                background-color: rgba(243,134,129,0.4) !important;\n            }\n            #ays-quiz-container-2.ays_quiz_classic_dark .ays-field,\n            #ays-quiz-container-2.ays_quiz_classic_light .ays-field {\n                text-align: left;\n                \/*margin-bottom: 10px;*\/\n                padding: 0;\n                transition: .3s ease-in-out;\n            }\n\n            #ays-quiz-container-2 .ays-quiz-close-full-screen {\n                fill: #ffffff;\n            }\n\n            #ays-quiz-container-2 .ays-quiz-open-full-screen {\n                fill: #ffffff;\n            }\n\n            #ays-quiz-container-2 .ays_quiz_login_form p{\n                color: #ffffff;\n            }\n\n            @media screen and (max-width: 768px){\n                #ays-quiz-container-2{\n                    max-width: 100%;\n                }\n\n                div#ays-quiz-container-2 [id^='ays_finish_quiz_'] div.step div.ays-abs-fs {\n                    width: 90%;\n                }\n\n                #ays-quiz-container-2 .ays_quiz_question p {\n                    font-size: 18px;\n                }\n\n                #ays-quiz-container-2 .select2-container,\n                #ays-quiz-container-2 .ays-field * {\n                    font-size: 16px !important;\n                }\n\n                div#ays-quiz-container-2 input#ays-submit,\n                div#ays-quiz-container-2 #ays_finish_quiz_2 .action-button,\n                div#ays-quiz-container-2 #ays_finish_quiz_2 .action-button.ays_restart_button,\n                #ays-quiz-container-2 + .ays-quiz-category-selective-main-container .ays-quiz-category-selective-restart-bttn,\n                #ays-quiz-container-2 .ays-quiz-category-selective-submit-bttn {\n                    font-size: 18px;\n                }\n\n                \/* Quiz title \/ mobile font size *\/\n                div#ays-quiz-container-2 .ays-fs-title {\n                    font-size: 22px;\n                }\n\n                \/* Question explanation \/ mobile font size *\/\n                #ays-quiz-container-2 .ays_questtion_explanation p {\n                    font-size:16px;\n                }\n\n                \/* Wrong answers \/ mobile font size *\/\n                #ays-quiz-container-2 .wrong_answer_text p {\n                    font-size:16px;\n                }\n\n                \/* Right answers \/ mobile font size *\/\n                #ays-quiz-container-2 .right_answer_text p {\n                    font-size:16px;\n                }\n\n                \/* Note text \/ mobile font size *\/\n                #ays-quiz-container-2 .ays-quiz-question-note-message-box p {\n                    font-size:14px;\n                }\n            }\n            \/* Custom css styles *\/\n            \n            \n            \/* RTL direction styles *\/\n            \n        <\/style>\n            <style>\n            \n            #ays-quiz-container-2.ays_quiz_rect_dark .ays-quiz-answers .ays-field:hover {\n                background: rgba(213,0,55,0.3);\n            }\n                #ays-quiz-container-2.ays_quiz_rect_dark .checked_answer_div{\n                    background: #d50037;\n                }\n            <\/style><script>\n                if(typeof aysQuizOptions === 'undefined'){\n                    var aysQuizOptions = [];\n                }\n                aysQuizOptions['2']  = 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