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FRAGATA
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Empty high-floor room at dusk, with an armchair facing the window and the city beyond

FRAGATA HOME EQUITY

Liquidity,without selling what can't be bought back.

Credit secured by your property, structured by those who know the asset down to the square metre and put the institutions in competition for the deal.

SIMULATETALK TO AN ADVISOR

A DIFFERENT LOGIC

THE RIGHT PROPERTY DOESN'T COME BACK ON THE MARKET.

Selling is final. A rare address, once sold, rarely comes back. Home equity lets you use the value of the property without giving it up.

  1. PRESERVE

    Keep the asset that can't be bought back.

  2. LIQUIDITY

    The property's value available, without putting it up for sale.

  3. OPPORTUNITY

    Close what came up before selling what you already have.

  4. ARBITRAGE

    Raise funds without redeeming investments at a bad moment in the market.

  5. DISCRETION

    A deal handled with discretion, away from your usual branch.

THE THESIS

The bank appraises your property.We know what it's worth.

In home equity, after the rate, what weighs most is the property's valuation. It defines how much value can be unlocked. And a generic appraisal can't tell two floors of the same building apart.

  • BANK

    Has the credit.

    Doesn't know the asset.

  • CREDIT ADVISORY

    Has the process.

    Doesn't know the asset.

  • BROKERAGE

    Knows the asset.

    Doesn't have the credit.

  • FRAGATA

    The asset and the credit

    at the same table.

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DEVELOPMENTS MAPPED

Technical sheet, floor area, number of units, history and real transactions. It is with this collection that Fragata brings the valuation's arguments to the table.

UNDERSTAND THE VALUATION 

CALCULATOR

How much can your property unlock?

Adjust the value, the percentage and the term. The simulation recalculates instantly.

50%
180 months

MONTHLY RATE

ESTIMATED CREDITR$ 10,000,000
INSTALMENT
R$ 120,017
ANNUAL RATE
12.7%
PROPERTY STAYS YOURS
100%
WITH THE VALUATION DEFENDED

+R$ 500,000in credit, on the same property

WHY THIS IS POSSIBLE →

Values assumed for illustration: up to 60% of the property's value, terms of up to 240 months, rates from 1% a month, fixed instalments under the Price system, excluding insurance, fees and taxes. The valuation difference is hypothetical. Actual terms depend on each institution's analysis.

THE TABLE

NO BANK COMPETES WITH ITSELF.

Each institution offers its own product, under its own policy. Fragata reads your profile, presents the deal the way each one assesses it, and puts them all in competition for the same proposal.

SEE HOW THE TABLE WORKS →

COMPARE WHAT MATTERS

ADVERTISED RATE

The number in the advert.

TOTAL EFFECTIVE COST

Interest, fees, insurance, appraisal, registration and taxes. The number in the contract.

Every proposal reaches you compared by total effective cost (CET).

HOW IT WORKS

Four steps, a single point of contact.

  1. CONVERSATION

    You share the goal. The Private Advisor understands the profile and the deal.

  2. VALUATION

    We build the property's dossier with real comparables from the building and the surroundings.

  3. TABLE

    The institutions receive the deal and compete for the proposal.

  4. RELEASE

    You choose the best terms. The property stays yours.

Keys on a wooden table beside a cup of coffee and a newspaper, by the window

THE PROPERTY STAYS YOURS

You don't sell. You don't move out. You don't lose control.

  • Property paid off or still financed
  • Individual or company
  • Long terms and a planned instalment
  • Early repayment whenever you wish

Legal structure handled from start to finish, with no decisions in the dark.

THE FRAGATA ECOSYSTEM

WEALTH GAINS MOMENTUM.

Fragata Clube members already have their wealth verified. The home equity conversation starts where the relationship stands.

Penthouse terrace at night, with the living room lit and the city lights beyond

Your wealth doesn't need to stand still.

Nor does it need to be sold.

FRAGATA HOME EQUITY

Start with a conversation.

A Private Advisor understands the goal, assesses the property and presents the proposals side by side.

FAQ

Frequently asked questions.

  • Do I need to leave the property?

    No. The property is given as collateral and remains yours, to live in, use or rent out, according to the contract.

  • Does the property need to be paid off?

    Not necessarily. Properties still under financing can also be assessed, according to each institution's policy.

  • How much can I raise?

    It depends on the property's valuation, your profile and the policy of the institution that makes the best proposal.

  • Who grants the credit?

    The partner financial institutions. Fragata structures the deal, conducts the valuation and organises the competition between proposals.

  • I already have a proposal. Does it make sense to talk?

    Yes. Bring the proposal before signing. It joins the table as a starting point and is compared by total effective cost.

  • Can I repay before the end of the term?

    Yes. Early repayment is possible, according to the terms of the contract.

Fragata acts in structuring and intermediating the deal. The granting of credit, rates, terms, limits and the final valuation of the property are set by the financial institutions, subject to analysis. Simulations are illustrative and do not constitute an offer.