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Real estate glossary: ​​know the most important terms in your area

 

Like any segment, the real estate market is full of terms that are not always easy to understand, even for those who have been working in it for some time. That’s why we’ve prepared this real estate glossary with the most important terms in your area.

This post will facilitate your understanding of real estate transactions and common dealings between realtors. Check out!

CUB

The Basic Unit Cost (CUB) is a monetary indicator defined by the Civil Construction Industry Unions (Sinduscons) of each Brazilian state. It serves as a parameter for the attribution of prices in real estate projects and concerns the cost per square meter that is defined for each construction pattern.

Empty report

This term is used in business involving the rental of property and refers to the breach of a lease by the owner of the property.

Currently, the empty termination applies to residential leases of 30 months or more that have already been fulfilled. Or to contracts longer than five years. When the hours are used, the tenant has 30 days to leave the property.

Fifty

Translated from English to Portuguese, fifty means fifty. The term fifty, or simply fifty, is used in a trade in which the commission is split fifty-fifty between two brokers. That is, each one gets 50% of the commission amount. It also uses fifty.

This situation occurs, for example, when one broker is in charge of showing the property and the other continues to service and close the deal. Or, when two brokers together capture the same property, which is the object of a sale.

Flat

Flats are apartments in buildings that have hotel management. They usually take in permanent residents and temporary guests. All are offered, without distinction, the services that are typical of a hotel, such as breakfast and room service, among others.

Flats can be purchased by investors and destined for rental within the pool that brings together all available units. As a result of this possibility, expressions outside the pool and inside the pool also appear.

Outside the pool refers to the flat that is not among the apartments rented as a hotel unit. Within the pool are those units that make up the rental pool.

In this case, the property must be decorated according to a pre-established pattern by the pool administrator.

Settle in

Habited-se is the name given to the document issued by the city hall that certifies that the property was built in accordance with established municipal criteria and that, therefore, it is in conditions to be inhabited.

This document gives legality to the property, from the point of view of municipal rules. It is required, for example, as a premise for obtaining real estate credit. Only properties that have the occupancy permit can be financed.

Mortgage

A mortgage occurs when any property, immovable or movable, is given as a guarantee for payment of a debt. For the duration of the mortgage, the borrower retains ownership and possession of the property.

At the end of the mortgage, if the amount owed is not paid, ownership is transferred to the lender.

ITBI

ITBI is the Tax on Real Estate Transactions. This is a tax that the municipalities collect and the rate is also defined at the municipal level.

The tax is represented by a percentage that varies from municipality to municipality — in most cases, it is between 2% and 3% of the value of the good. In general, the responsibility for payment lies with the buyer of the property.

The discharge from the ITBI is a necessary condition for the transfer of ownership of a property to be made.

Laudemia

Under certain circumstances, real estate owned by the Federal Government may be used for private purposes, provided there is proper authorization. This authorization is given in the form of a certificate of occupation or tenure, by the Secretary of Patrimony of the Union.

For example, areas on the seafront — which belong to the Union — can be occupied in this way.

The right of use can be negotiated, however, there can be no deed or registration of ownership. In addition, whenever the right of use is transferred from one person to another, the laudémio must be paid, a tax generated for the Union as a result of this type of transaction.

Loft

In an English translation, loft means attic, but it can also refer to a barn. However, in practice, the concept became popular in New York in the 1970s.

Abandoned sheds and building floors began to be occupied for housing purposes. As the rooms were large – like a large attic or a barn – and no walls or partitions were used to separate the rooms, the name started to be applied…

From then on, New York lofts began to guide an architectural trend that began to define residential properties, with large open areas and no physical divisions between the environments.

Descriptive memorial

The Descriptive Memorandum is a document produced by construction companies and specifies the materials and equipment that will be used in the construction of a property. It also contains technical data about the project and the items that make up the common area of ​​condominiums.

It is an official document that must be part of a contract for the purchase and sale of a property under construction, as it attests to the characteristics it must have when the work is finished. Therefore, it is important that brokers who trade properties on the plan, properties that have not yet been finalized and new properties have access to the Descriptive Memorandum.

From this document, it is easier to know the project’s data and it becomes safer to pass the information on to buyers.

RI

The RI is the Incorporation Registry, a document that the municipality where a work is located is to issue. It attests to the fiscal regularity of the company and the enterprise itself and consolidates the official character of the Descriptive Memorial.

The RI is an indispensable condition for a property under construction to be negotiated.

PSV

This term is widely used at all levels of negotiation of a project or of several projects of the same construction company. PSV is the acronym for General Sales Value, which is the sum of the values ​​of all units of a single development or of all units of a given developer.

Thus, if a launch has 30 units with an average unit value of R$1 million, this means that the project’s PSV is R$30 million. On the other hand, if a construction company initiates an action to sell the inventory it owns whose sum of property values ​​is R$50 million, the PSV of that construction company is R$50 million.

Now that you know our real estate glossary, download our eBook and discover everything you need to know to be a successful realtor!

 

Real Estate Ethics: learn more about the subject

Do you know how to prepare for the visit to the property?

Real Estate Ethics is a group of codes and norms that serve as a path for all realtors to follow during their daily work. It is these laws and morals that will tell you what these professionals should or should not pursue in their careers, so that they are ethical people.
+ Beginner Realtor: Tips for Starting Your Career
we already have an idea of ​​what these Real Estate Ethical laws and regulations mean, but the moral values ​​that are part of this profession are divided into several other parts.

There is a specific law for the area:
DECREE No. 81.871, OF JUNE 29, 1978.
It also has a decree:
DECREE No. 81.871, OF JUNE 29, 1978.
And last but not least, the real estate area has a code ethical professional’s broker’s real estate, which is set in RESOLUTION-COFECI No. 326/92.
These professional ethics dictate how real estate agents should behave across the country, characterizing this work and all the rules that professionals will need to follow when exercising the profession.

Real estate ethics in law

The real estate code of ethics (or realtor code of ethics, as it is also known in the area) aims to create a direction for the worker while he is exercising the function, prioritizing matters of interest to the people who contacted him, with this he must ensure the prestige of his class and develop and improve the techniques of real estate transactions.

There in Art. 3 of   RESOLUTION-COFECI N. º 326/92. , It is clear the importance that the code gives the broker properties do not make mistakes that will be serious for the performance of the function. Actions that compromise your dignity, including honesty as the main point of all ethics is the most reinforced point.

Check out the complete Art. 3: “Art. 3rd – It is incumbent upon the Realtor, in relation to the exercise of the profession, the class and colleagues: I – to consider the profession as a high title of honor and not to practice or allow the practice of acts that compromise their dignity; II – honor professional associations, contributing whenever requested, to the success of their initiatives for the benefit of the profession, professionals and the community; III – maintain constant contact with the respective Regional Council, seeking to improve the work of this body; IV –

ensure the existence, purposes and prestige of the Federal and Regional Councils, accepting mandates and duties entrusted to them and cooperating with those invested in such mandates and duties; V – observe the postulates imposed by this Code, exercising its duty with dignity; VI – exercise the profession with care, discretion, loyalty and honesty, observing the legal and regulatory requirements; VII – defend the professional rights and prerogatives and the reputation of the class; VIII – look after one’s reputation even outside the professional practice; IX –

assist in the supervision of professional practice, ensuring compliance with this Code, disclosing, with discretion and fundamentally, to the competent bodies, the infractions of which it is aware; X – don’t talk contemptuously about your colleagues; XI – relate to colleagues, within the principles of consideration, respect and solidarity, in line with the precepts of harmony of the class; XII – to be aware of current legislation and seek to disseminate it so that the legitimate exercise of the profession is respected and defined.”

What is prohibited in real estate ethics?

The Real Estate Code of Ethics makes it very clear that it prohibits the worker from receiving tasks that they do not know how to perform or work that is not within Brazilian law, and the realtor is aware that this practice is a fraud.

Another point that the Code prevents is that the broker receives overpriced amounts or that he knows that he did not perform the function, but still accepts to be paid for the services. Unfortunately, there are cases of workers charging clients for services they did not perform. This practice is abhorred by the Real Estate Code of Ethics.
Finally, the Code does not allow professionals to abandon their clients in the middle of a real estate transaction. In some cases, the realtor, seeing that they are not going to profit much from the venture, leave the clients aside and abandon them.
The conclusion of this part is that real estate ethics is not only important for the professional, but for everyone.

If you are a realtor respects all real estate ethics, do everything within the law and do not deceive your clients, know that along the way this will bring you some things that are much better than profit: customer loyalty and you being good seen across the market.
I hope this summary on real estate ethics has helped you or helps you in your profession in the future.

 

 Real estate auction: discover this opportunity to make your dream come true

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For those who want to acquire a property at a better price, the Caixa property auction can be an excellent opportunity.

According to data released by the bank, until July 2018, a month before a large Caixa 2018 Real Estate Auction, the properties repossessed by the bank totaled R$591 million, with more than 28 thousand properties sold, and already represented 62 % of all offering from the previous year.

If you want to better understand how the Caixa Econômica property auction works, read this post until the end.

How does Caixa’s property auction work?

Caixa’s property auction usually takes place when a resident is in default with the mortgage installments and has not been able to reach an agreement to settle the debt. In this case, the furniture returns to the bank’s property.

Because the properties are of Equity and Fiduciary Alienation (a model for guaranteeing properties, furniture or real estate , which is based on the transfer of assets as payment of a debt, based on an agreement between the creditor and the debtor).

The properties of a Caixa Auction usually offer advantageous conditions for future buyers because they can be, on average, more than 30% cheaper, but there have been cases that the properties offered at the event were more than 60% cheaper than the market values ​​at the time of assessment by the bank.

Caixa 2018 real estate auction: trading sessions

Provided for by Law 9,514/97, these returned Caixa properties can be held in up to two auctions: the first takes place 30 days after the property is returned. If there is no bid, the second auction is held 15 days later.

In Caixa’s first auction, properties must receive the minimum bid, which must be equal to or greater than the appraisal value. The second auction has a minimum bid set by the seller, as long as it is equal to or greater than 50% of the appraised value.

The units in the Caixa IMovie’s auction can be viewed through a catalog that exists on Caixa’s website or even directly at branches. Offers can be made in person or even online.

In addition, know that it is also possible to finance a property from a Caixa Econômica auction, including the alternative of using your FGTS.

But if there is no bid again, the property will be offered in open bidding, closed bidding or direct sale.

These open bids by Caixa Leila can be held simultaneously in several cities across the country. Interested parties need to pay attention to the calendar that is also on the website.

How to participate in Caixa’s Real Estate Auction?

Anyone who wants to participate in Leila Caixa, should pay attention to the publication of notices. If any property is interesting, the tip is to check rules and information.

The Caixa property auction notice contains the main information about the property to be auctioned: the date of the auction, the minimum sale price, the state of conservation of the property, who is the seller and who is responsible for each one. Excess costs, such as taxes and condominium fees.

Preferably, opt for a property that is unoccupied. But if this is not possible, it is good to know that this vacancy will be borne by the new owner.

To formalize your proposal for online sales at a Caixa Econômica federal property auction, you must make a security deposit of 5% of the property’s value, at any bank branch or at the location indicated in the notice.

To register for the Caixa Econômica Federal property auction, it is necessary to register in advance on the auctioneer’s website:

– Copy of identification document (RG, CNH, etc.);

– Copy of CPF (if the number does not appear on the identification document);

– Recent proof of residence (maximum of 90 days);

– If you are a legal entity, the legal representative must also present the articles of association;

As for enabling the account, this process usually has particularities defined by the auction house. Ideally, consult the institution responsible for the auction in question, as defined in the notice.

Cautions when buying property from Caixa’s auction

The first precaution to be taken when thinking about participating in a Caixa Econômica Federal auction is that the properties may take a while to become available.

This is a risk factor that the buyer may experience precisely because of what we warned above: some auctioned properties may be occupied by former owners.

The buyer may also have to bear these additional costs with an eviction action.

So if you need to use the courts to get the property, know that it will cost you money. Also, you may not be able to visit him if he is busy.

Another point that is very good to be prepared for when purchasing properties from Caixa’s auction is about the debts left by the former resident. Find a lawyer and check if there are any debts left by the other owner. Depending on the case, you will need to pay his debts.

Condominium bills and property tax in arrears until the date of sale will be paid by Caixa. Thus, whoever buys is free from any debt. This is clear, as long as you are not responsible for existing debts and that the acquisition does not take place in the 2nd Auction.

The lawyer can also find out if there are lawsuits against the Caixa Econômica property auction, because sometimes the bank did not wait for the judgment to end before putting the property up for auction.

Another important precaution when trying to purchase auction property: research the property’s market value.

Research the market value of the auctioned property, assessing whether the discount offered at the event compensates for the risk of having to bear the costs of justice and renovation.

And after that, don’t forget to be very attentive to all the clauses of the property’s purchase and sale contract   .

 

Property Sale – Follow the step by step to sell your property

Morumbi modernity, green areas and good shopping are worth the choice

Property Sale – Follow the step by step to sell your property

Selling property has become a practical and relatively quick process in modern times. However, it is important to be careful with the details surrounding this type of transaction.

It is a process that, despite being smooth, requires dedication and patience. Time availability is another important factor. After all, something fundamental in the sale of properties is visits for the setting of the buyer.

Want to know what else is important to sell your property? Follow our quick walkthrough of everything you need to check out!

Documentation – Prepare all paperwork before going to a real estate agency

The first step in selling your property is, without a doubt, to check all the paperwork. The snags involving this type of issue can yield you, in addition to a headache, an unnecessary waste of time.

Among the main documents to be validated by the property owner are:

# RG and CPF of the seller and his spouse (if married)
# Marriage certificate (if married)
# Birth certificate (if single)
# Certificate of achievement issued by the Federal Court and the Labor Court
# Negative certificate of the interdiction and guardianship
certificate # Civil Distributor Certificate – Forum

This documentation is to ensure that the person who is selling does not have legal problems or embargoes. From the property, it is possible to list:

# Property or Registration Certificate
# Real Estate Transfer Tax (ITBI)
# Municipal Debt Clearance
# Declaration of condominium discharge (in the case of apartments)

Once this is done, it is now possible to choose a reliable real estate agency and place the property on the market for new negotiations.

Real Estate – Why it is important to have the help of a qualified professional

Searching for a real estate agent can make your property entering the real estate market easier and more practical. Although direct sales are less bureaucratic, with the real estate agency, it will be possible to have professional assistance.

The risks to the property owner are reduced, and the chance of forgetting something important is less. Also, several brokers within the real estate will already have in their portfolio of contacts, who may be interested in your property.

Leaving the property in the hands of someone you trust can make it much easier to visit the property. This type of specialist can, in addition to setting the shoppers around, explain the positive aspects of the neighborhood and the region.

Another point is online advertising. Fundamental to a good sale, it is the buyer’s meeting point and first contact with your property. Good photos, excellent lighting and preparation for the presentation of the property are essential for the sale.

Property Preparation – How to win over buyers at a first glance

It was talked about from trustworthy people a little while ago. Your property, in this case, must also pass on confidence to its buyer. Cleaning it, for example, is a good starting point when it comes to preparing the property.

The organization, care and care for the environment will make the property more attractive. In visits, it will bring another perspective to people who are checking the property. In the ad images, it will bring another potential to buyers’ expectations.

So, always do extra cleaning, don’t let anything stay out of place for too long. Prepare the rooms so that they are clean and well lit. Small details can have a very large psychological effect.

Broken tiles, unprotected outlets, crooked light fixtures and light fixtures, and broken furniture can give an impression of neglect. In addition to putting the idea of ​​the property needing a renovation. This is the word that causes the most shivers to those who are going to buy it, along with the expenses it brings. So, take care of these details and sell your property much faster.

Calculate and disseminate – Choose the right channels and stay within real estate market standards

Once the preparations are finished, it’s time to put your property on the air! The first thing is to define with the real estate agency, or by yourself, which are the best channels for this sale. Check quality sites and build a killer ad.

The best channels are the portals of the real estate companies, private brokers or even the main free sale websites. A real estate loop (loop website), for example, is one of the best at putting your property on the air.

Also, be aware of the price of your property. Valuing too much and asking for prices above the real value tends to “backfire”. The number must be well fixed and must remain faithful to the real value of the property.

If it is too high, it will drive away potential buyers who will not even look at your property. That’s right with all the previous preparation. If the ad has a low value, it can be synonymous with extra expenses that come with the property. So stay true to the price.

That kind of honesty is appreciated by many buyers and, in the end, it will be to everyone’s advantage. Some tips for calculating the price of your property are:

# Search for similar properties and in the same region
# Assess the value of the square meter with a professional
# Compare the size of your property with that of another in the same region
# Analyze the conservation of the property and leisure areas and extra features
# Account for renovations made recently and the number of bedrooms

 

Property Deed – Understand how the process works and be always up to date with your records!

Have you ever thought how important it is to be up to date with your documents? Many people are in the habit of giving importance to some documents and neglecting others. Not least, this can be synonymous with a headache when the subject is immobile.

There are some very important documents when it comes to buying property. This post was born specifically out of the need to talk about them. After all, not all consumers know about these documents and what they are for.

With this post, you can check:

-? What is the Property Deed -? Important Details about Property Registration -? The importance of being up to date with documents

What is the Property Deed?

The deed of a property is the document that validates the agreement between the parties. As an official public document, it is drawn up at the notary’s office. Also, it serves as the first step to be taken after signing the contract.

This purchase and sale contract, in turn, is an agreement that obliges the parties to honor the established commitments. The difference is that, while the contract only establishes a commitment, the deed makes it valid and makes the transfer of the property official.

Giving a practical example: In the case of a cash purchase, it is necessary to produce a deed, whereas in the case of financing, the contract issued by the banks replaces the deed. However, this document must exist and be used to make the transaction official.

Did you understand the importance of the property deed and how it is necessary to be up to date with it? Let’s go ahead!

Obligation – Find out what the obligations are regarding the deed

The property deed is a mandatory document. That is, it is a necessity and must be signed when buying and selling a property. As previously stated, the deed is the document to be provided after signing the purchase and sale contract.

It is mandatory that this document be made so that the purchase and sale process can be continued. Also, this document is drawn up in the notary’s office. This is because the holders and representatives in the notary’s office are legally endowed with public faith for registration. (According to Law No. 8.935/94 in its art. 3)

Now, have you put the deed taxes and fees into your account to purchase your new property? Well, the financial part of this document is neglected in some cases. Therefore, always keep in mind that there will be other expenses in addition to the property’s value.

What is the value of documents and how to prepare for them?

At least two amounts are charged at the notary office for issuing the deed of a property. They are: the fees of the office itself and the cost of ITBI. The latter is the acronym for Tax on Real Estate Transfers (ITBI).

This is a city tax and must be paid upon transfer of ownership. The value of the registry office is charged according to a progressive table, which varies according to the real value of the property. The ITBI can be up to 2% of the value of the property stated in the deed.

This means an expense proportional to the market value or the real value of the property. Therefore, to prepare yourself well, calculate the percentage on the value of your property and then add it up with the notary fees of the other necessary documents. Thus, you won’t have to go through suffocation when solving the bureaucratic part of the purchase.

Giving a practical example, let’s suppose that a consumer – encouraged by the heating up of the real estate market – decides to buy a land worth R$150,000. The calculation will be 2% on top of 150 thousand, added to the notary’s fees on the property’s value.

This would give roughly R$3,000 reais in ITBI and approximately R$2,100 with the notary office, which would bring the total cost closer to more than R$5,000 reais. Although it’s not a lot of money compared to R$150,000, it can catch consumers off guard at the time of purchase.

Property Registration – Be the ultimate owner of the property of your dreams

After the property deed process, it is necessary to send it to the real estate registry office. All so that the transfer – made by the deed of the property – is registered in the property’s registration.

Of course, each property has its own district, that is, its own place to register. So make sure you go to the registry where your property belongs. This is checked through the location of your new property.

After registration, the registration of the property, all the data of the new owner will be attached. In fact, this registration number is very important. In it are registered all the history, description and data of the owner. So, always keep it well kept.

If you do not follow all the steps of deed and registration, you may be living in a property that is not yours. At least not officially. So, always pay attention to documents and check everything before relaxing in your new property!

 

Prices for new and used property are almost the same

The resumption of the real estate market is evident. Recent survey data assumes that industry sales are growing steadily. Another novelty is the equivalence of prices between the two most popular types of property categories. New and used.

Several factors influenced this conclusion, based on a FipeZap survey. Do you want to know more about the two types of properties and how the market presents optimal conditions for investments?

In this text you will learn:

-? The behaviors of both in recent years -? Price equivalence data -? How do market strategies influence the price

-? The ideal time for investments

Different Behaviors – The crisis of years ago reflects on the price of real estate today

Buying or selling real estate has become simpler over the years. According to perspectives from the Department of Economy and Statistics at Segovia – SP, between June 2018 and June 2019, there was a 176% increase in the total number of new homes sold.

This data alone illustrates the expectation for the rest of 2019. This recovery is a victory for the real estate sector, which, since 2008, has suffered from the price of houses and apartments. All thanks to the famous economic crisis that spread to various sectors of the national economy.

However, the behavior of the market has changed. If in 2008 the situation was chaotic, in 2014 the value per square meter of real estate began to take on a different pattern.

While the square meter of new properties became cheaper and cheaper, the square meter of used properties became a little more expensive. The result was that the price difference, which used to exist between these two categories of properties, has practically disappeared.

Market Data – How Prices Become Equivalent

All this behavior can be illustrated in data. According to a survey carried out by Group Zap itself – owner of the Zap and Viva Real estate advertising sites – the behavior of the properties was the opposite.

Between 2014 and 2019, the average value per square meter of used properties rose by approximately 12.2%. While the average square meter value of new properties – those sold directly by construction companies – remained down 20.2%.

To give you an idea, the average difference between the square meter of a new property and a used one, in 2014, was 33%. This equates to a price of 11,838 reais for the square meter of new property and 7,922 reais for the used one.

As early as 2019, this difference in the average price per square meter dropped to 6%. In other words, new property had its price per square meter reduced to 9,451 reais, while the square meter of used property rose to 8,888 reais.

All this, of course, taking into account the average prices charged in the first half of each year. This record, although exclusive to São Paulo, does not fail to reflect a trend for other urban centers.

Market Logistics – Sales inventory and different strategies

Market logistics and external factors are one of the decisive patterns for this change to take place in the real estate sector. This logic can be understood as targeting.

In the case of new projects, construction companies work with hundreds of properties. All are new, units designed to offer different types of patterns and concepts. A real estate market for the end customer to make their purchases.

Also, the sale frequency of construction companies is different compared to that of used property owners. Several sales take place at the same time, which brings these builders closer to economic trends.

In other words, if the demand for real estate falls, the number of real estate runs aground. If there are more apartments or houses than what they sell, prices fall. Already in used ones, usually the person’s stock is just the property he owns.

Therefore, the owner of a house simply does not lower the price because it is difficult to sell. Often the ad stays on for two or three years until the person who buys it appears. In many cases, the property owner still withdraws the product from the market.

The price difference between the two, precisely because of these market details, practically disappeared from 2014 to 2019. Today, whoever buys a used apartment or house may end up paying more than a new property. Even with similar characteristics, such as footage, location, rooms or parking spaces.

Time to invest! – Proper time to complete your plans

This is definitely a good time for investments. Of course, these investments should be based on your needs. Regardless of whether you purchase a used or new property.

The trend is for new properties to remain at lower prices for a while. Even with prices falling relatively quickly, it doesn’t mean they will now appreciate.

The same is true for used properties. The tendency is for them to be acquired for possible resale, which can represent a good deal. Second-hand prices are expected to recover faster due to “out of stock”.

The bottom line is: Home prices are low and there are plenty of options on the market, both new and used, at equivalent prices. Therefore, this is the perfect time to get back to investing in the sector or to resume the postponed plans for acquiring your dream property.

 

Pinterest decoration for your home or apartment

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Who never dreamed of that very stylish and cool Pinterest decoration that is present in the images on this social network?

Pinterest is the most inspiring media that exists on the internet and, therefore, we were looking for information about the images of decorations for your home or apartment on the web.

We at Ao Cubo opened Pinterest and, like millions of users around the world, we were delighted with the decor ideas that are there. Check out the best inspirations here!

What is Pinterest decor?

When we say “Pinterest decoration”, we are referring to a style of decoration that appears in the images posted on the social photo network.

This means that when inspired by these images, the house or apartment becomes more Pinterest, more photographable, more inspiring, more modern, cooler and easier to be shared on the social network.

Therefore, we are going to show you the best inspiring images from this social network for you to influence yourself and decorate your home environments. Check it out below!

  1. Pallets in the decoration

Everything that is manual and transformed looks more inspiring and exciting. That’s why pallets in Pinterest decor are one of our tips for you.

The pallet is a wooden material, very versatile and able to leave a rustic touch in the decoration of any environment.

You can use pallets as a bed, sofa, in the garden, in the living room, among other rooms in your home.

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  1. trestle table

The hype is now the trestle tables to compose office desks for home office, decor table for living room or dressing table for the bedroom.

The easel on the desk can help you store your office belongings to have more space, for example.

Easels are very useful as they can offer more space to compose the scene, as a rack for the room that can receive decorative objects or electronic devices.

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  1. different luminaire

Different and creative luminaires add a touch of humor and lightness to any room in your home.

There are several different and stylish light fixtures that will leave your home with a Pinterest decor.

In addition to being decorative objects that transform environments, they leave the lighting as you want: in low light and low intensity or with brighter light.

https://i.pinimg.com/564x/5b/db/7e/5bdb7eedcfb39ffe59b0519ae11d0e46.jpg

  1. hardwood floor

It’s impossible to talk about Pinterest decor without mentioning the hardwood flooring, which is part of many old houses and apartments, but which is now on the rise again.

If you want to change the floor of your home and want to make the decoration more retro, then the hardwood floor is a good option.

If you already have bats on the floor of your house, but want to make it more shiny and modern, then you can reform it with acrylic putty for wood, for example.

https://i.pinimg.com/564x/27/ab/7d/27ab7d233e240de18b682954bb99d318.jpg

  1. Acapulco Chair

The Acapulco chair is the darling of the moment! Created in the 50’s, this chair has an ergonomic and very comfortable design.

It has this name because it is inspired by the famous fabric lounge chairs of the Mexican coast.

This Acapulco chair can make your home even more stylish and with a very Pinterest decor.

https://i.pinimg.com/564x/8e/0e/f4/8e0ef4da9d3bedbec38e72581855e0a8.jpg

  1. Animal Print

The animal print comes and goes from time to time. This style has references to animals or animal skin and brings a bold proposal to the environment.

Some people imagine that it is almost impossible to use on an interior wall of the house because of a visual explosion in the beholder.

However, if used in the right place and in the right measure, then it is possible, yes, to have this style of Pinterest decor in your home.

https://i.pinimg.com/564x/f5/a9/28/f5a9285fc3e92899c1f596b6c5887582.jpg

  1. Graphite

From the street to your home! Graffiti took over the spaces in big cities and, now, it is invading the internal environments of houses and apartments.

This type of decoration gives a touch of modernity and creativity to the residential walls.

So, if you are looking for innovation and exclusivity, then choose a design that suits you and ask a professional graffiti in your home.

https://i.pinimg.com/564x/bc/ff/03/bcff03ca22c1be3787f29d5ccb2c1a3d.jpg

  1. metallic wefts

Metallic wefts are a success in Brazilian homes, after all, they are used to support plants, decorative items and organize personal objects.

Although many people do not know it, it is not an expensive object, it has a simple material, easy installation and low maintenance.

Therefore, a great Pinterest decoration object that can be used in your home.

Have you ever dreamed of decorating your home or apartment with that Pinterest decor, super stylish and cool from this social network? Then check out our suggestions!

  1. round mirror

The round mirror has become a decorating fad in many people’s homes lately.

After all, the object is versatile, easy to combine and can be used in any environment.

These round mirrors can be found with wood, plastic, glass and other material. Beautiful, modern, functional and practical!

https://i.pinimg.com/564x/3f/26/e3/3f26e36f4ec9d4ef95dc919b3f2e6c4b.jpg

  1. cactus in the decoration

Cacti are very Pinterest! In addition to decorating the environments, cacti are easy to care for and do not require a lot of work.

There are several varieties of cactuses and they come in all sizes, the smallest ones can be on table surfaces and the largest ones on the floor of the house.

They can occupy any environment: kitchen, bathroom, garden, terrace, living room and others.

https://i.pinimg.com/564x/c9/74/01/c9740195680d03e6a4d438faeeff68cc.jpg

How to make Pinterest decor at home?

If after seeing these 10 inspirations from the social network Pinterest you became interested in decorating your home with them, then listen to our advice:

  • Save these inspirations to copy.
  • Search the objects on the internet to compare if they are similar.
  • If it’s possible to do it yourself, then use DIY (Do It Yourself).
  • Don’t be frustrated if it doesn’t look identical to the images on Pinterest, as they are just inspirations and not copies.
  • After decorating your home, share your decor images on social media and tag us!

Did you like Pinterest decor ideas and are you going to make them in your home? So keep getting inspired here on our blog and see more tips on our social networks!

Pinterest decoration for your home or apartment

https://blog.aocubo.com/wp-content/uploads/2021/02/50407374_2451486881545998_4472343101658103808_o-1140x760.jpg

Who never dreamed of that very stylish and cool Pinterest decoration that is present in the images on this social network?

Pinterest is the most inspiring media that exists on the internet and, therefore, we were looking for information about the images of decorations for your home or apartment on the web.

We at Ao Cubo opened Pinterest and, like millions of users around the world, we were delighted with the decor ideas that are there. Check out the best inspirations here!

What is Pinterest decor?

When we say “Pinterest decoration”, we are referring to a style of decoration that appears in the images posted on the social photo network.

This means that when inspired by these images, the house or apartment becomes more Pinterest, more photographable, more inspiring, more modern, cooler and easier to be shared on the social network.

Therefore, we are going to show you the best inspiring images from this social network for you to influence yourself and decorate your home environments. Check it out below!

  1. Pallets in the decoration

Everything that is manual and transformed looks more inspiring and exciting. That’s why pallets in Pinterest decor are one of our tips for you.

The pallet is a wooden material, very versatile and able to leave a rustic touch in the decoration of any environment.

You can use pallets as a bed, sofa, in the garden, in the living room, among other rooms in your home.

https://i.pinimg.com/564x/c5/ce/79/c5ce7995098fdf2d79d64927aa000c68.jpg

  1. trestle table

The hype is now the trestle tables to compose office desks for home office, decor table for living room or dressing table for the bedroom.

The easel on the desk can help you store your office belongings to have more space, for example.

Easels are very useful as they can offer more space to compose the scene, as a rack for the room that can receive decorative objects or electronic devices.

https://i.pinimg.com/564x/c2/17/c3/c217c3183a6f50a099b63f2648383fb7.jpg

  1. different luminaire

Different and creative luminaires add a touch of humor and lightness to any room in your home.

There are several different and stylish light fixtures that will leave your home with a Pinterest decor.

In addition to being decorative objects that transform environments, they leave the lighting as you want: in low light and low intensity or with brighter light.

https://i.pinimg.com/564x/5b/db/7e/5bdb7eedcfb39ffe59b0519ae11d0e46.jpg

  1. hardwood floor

It’s impossible to talk about Pinterest decor without mentioning the hardwood flooring, which is part of many old houses and apartments, but which is now on the rise again.

If you want to change the floor of your home and want to make the decoration more retro, then the hardwood floor is a good option.

If you already have bats on the floor of your house, but want to make it more shiny and modern, then you can reform it with acrylic putty for wood, for example.

https://i.pinimg.com/564x/27/ab/7d/27ab7d233e240de18b682954bb99d318.jpg

  1. Acapulco Chair

The Acapulco chair is the darling of the moment! Created in the 50’s, this chair has an ergonomic and very comfortable design.

It has this name because it is inspired by the famous fabric lounge chairs of the Mexican coast.

This Acapulco chair can make your home even more stylish and with a very Pinterest decor.

https://i.pinimg.com/564x/8e/0e/f4/8e0ef4da9d3bedbec38e72581855e0a8.jpg

  1. Animal Print

The animal print comes and goes from time to time. This style has references to animals or animal skin and brings a bold proposal to the environment.

Some people imagine that it is almost impossible to use on an interior wall of the house because of a visual explosion in the beholder.

However, if used in the right place and in the right measure, then it is possible, yes, to have this style of Pinterest decor in your home.

https://i.pinimg.com/564x/f5/a9/28/f5a9285fc3e92899c1f596b6c5887582.jpg

  1. Graphite

From the street to your home! Graffiti took over the spaces in big cities and, now, it is invading the internal environments of houses and apartments.

This type of decoration gives a touch of modernity and creativity to the residential walls.

So, if you are looking for innovation and exclusivity, then choose a design that suits you and ask a professional graffiti in your home.

https://i.pinimg.com/564x/bc/ff/03/bcff03ca22c1be3787f29d5ccb2c1a3d.jpg

  1. metallic wefts

Metallic wefts are a success in Brazilian homes, after all, they are used to support plants, decorative items and organize personal objects.

Although many people do not know it, it is not an expensive object, it has a simple material, easy installation and low maintenance.

Therefore, a great Pinterest decoration object that can be used in your home.

Have you ever dreamed of decorating your home or apartment with that Pinterest decor, super stylish and cool from this social network? Then check out our suggestions!

  1. round mirror

The round mirror has become a decorating fad in many people’s homes lately.

After all, the object is versatile, easy to combine and can be used in any environment.

These round mirrors can be found with wood, plastic, glass and other material. Beautiful, modern, functional and practical!

https://i.pinimg.com/564x/3f/26/e3/3f26e36f4ec9d4ef95dc919b3f2e6c4b.jpg

  1. cactus in the decoration

Cacti are very Pinterest! In addition to decorating the environments, cacti are easy to care for and do not require a lot of work.

There are several varieties of cactuses and they come in all sizes, the smallest ones can be on table surfaces and the largest ones on the floor of the house.

They can occupy any environment: kitchen, bathroom, garden, terrace, living room and others.

https://i.pinimg.com/564x/c9/74/01/c9740195680d03e6a4d438faeeff68cc.jpg

How to make Pinterest decor at home?

If after seeing these 10 inspirations from the social network Pinterest you became interested in decorating your home with them, then listen to our advice:

  • Save these inspirations to copy.
  • Search the objects on the internet to compare if they are similar.
  • If it’s possible to do it yourself, then use DIY (Do It Yourself).
  • Don’t be frustrated if it doesn’t look identical to the images on Pinterest, as they are just inspirations and not copies.
  • After decorating your home, share your decor images on social media and tag us!

Did you like Pinterest decor ideas and are you going to make them in your home? So keep getting inspired here on our blog and see more tips on our social networks!

 

Myths and truths about buying real estate

Are you thinking of purchasing a property to call your own, however, you still have many questions about buying property? 

So know that you are not the only one. Like you, thousands of people also find themselves in this dilemma because they are not sure if this is a good investment or the best way to get their dream home.

In this post, you’ll have the chance to clarify everything about the subject and resolve once and for all the doubts that still prevent you from realizing your dream of home ownership.

That’s right! So, keep reading this post and check out some of the myths and truths we’ve gathered about buying real estate.

The purchase of finished properties is always better than on-plan properties – MYTH 

This is one of the most common myths about the subject. The advantage of ready-made properties is that they are already available for those who have a certain urgency, but on the other hand, they are more expensive.

The properties in the plant, in turn, are more suitable for those who have medium and long-term plans. After all, the person will have to wait a few years to have the keys in their hands.

This type of alternative tends to value 30% more than others. And the most interesting thing is that you can finance the entire amount, including the down payment!

In the case of finished properties, at least part of the money will have to be given when signing the contract.

Real estate with sustainable solutions can be purchased at a good cost-benefit ratio – TRUTH

Until a few years ago, thinking about sustainable real estate was synonymous with spending a lot of money. However, now the reality is different, it is already possible to find options with good value for money.

Purchasing sustainable properties has to be thought of as an investment. This is because, in the medium and long term, the economy generated is gigantic. For example, solar panels can generate up to 95% reduction in electricity costs.

Rainwater reuse systems or even energy solutions can also benefit your pocket and a lot in the future.

Therefore, it is worth putting it at the tip of your pencil and comparing the savings you will have for the rest of the time you are in the property, compared to the investment made for its acquisition.

All purchase contacts are practically the same – MYTH

Real estate contracts can vary depending on the type of property you are purchasing. That’s because they are prepared according to negotiations.

However, there are some elements that are mandatory in this type of document. And you need to know what this information is so that you don’t end up in trouble and even scams.

Finding the dream property is hard work – TRUTH

Finding the ideal property is laborious, but not impossible. The great complexity lies in two factors: the state of the property and the documentation.

If the property does not have all the documentation up to date, including payment of taxes, the purchase becomes more difficult. Especially if you want to fund it.

And the state can also be an issue. In addition to the possibility of you having headaches in the future due to hidden problems, many financial institutions do not release loans depending on the state of the property.

In general, on-plan properties and launches are often easier to buy and finance. This is because upon delivery, the property is newly built, so the structure will not be a problem.

And documentation in these cases usually doesn’t pose a problem. Mainly in relation to the properties in the plant, since it is already complete.

On-plan real estate is the most reliable option – MITO

Not necessarily. Just like the purchase of an already-built property, on-plan properties also pose risks.

That’s because, if you don’t thoroughly research the construction company’s history, you run the risk of ending up with a poorly built property or even not having it delivered.

Many people have been victims of companies that sold apartments and condominium houses and never delivered the properties. Another common problem is delays in property delivery.

To avoid this type of situation, it is essential to check the construction company’s history and make sure it is really trustworthy. And in this matter a realtor can be of great help.

This is because this professional knows more deeply who are the reliable companies in the market, and also knows what kind of issue to evaluate before making a decision regarding the purchase of real estate.

It is only possible to apply for credit when you already have a property in view – MYTH

Many people think that in order to purchase property in a financed way, it is necessary to already have an asset in view. However, this is a myth.

In fact, you can already file a credit application with the financial institution without any problem, even if you don’t have anything in sight. If everything is fine she will release a letter of credit.

This document is valid for three months, which is a good time to locate a property within the amount released, and thus, finalize the financing.

Real estate near transmission towers tend to be dangerous and less valued – TRUTH

Yes, depending on the distance from the residence to the tower, it can be dangerous. This is because the electromagnetic waves emitted by it are harmful to health. Not to mention the risk of falling if the equipment is not properly installed.

However, if the structure complies with the minimum distances determined by the responsible engineering team, there will be no such concern, since these professionals carry out a feasibility and safety study to insert the tower in a safe place.

Conclusion 

Purchasing a property is a very big and important step in the lives of many people. Therefore, before making this type of decision, it is important that you seek as much knowledge as possible on the subject.

Only then will you have more security and peace of mind, avoiding the emergence of headaches in the future and ensuring that your dream comes true.

 

Living in a house or apartment? Know the advantages and disadvantages

Choosing to live in a house or apartment is a very common question among people who want to buy a property. After all, the options in the real estate market are diverse and have different characteristics that appeal to all types of residents’ profiles.

So, to help you choose between house and apartment, we’ve selected the pros and cons of each option. Check it out below!

After all, living in a house or apartment?

Have you ever thought about living in a house or apartment? Which option seems to suit you when thinking about the possibility of being able to rent or buy a property?

Many people do not analyze the specific features of each option and regret it after buying.

For you to choose the ideal property for you and your family, we will tell you the advantages and disadvantages of the two options below!

Advantages of living at home

Let’s start by explaining the advantages of living at home. If you thought about this option, then see the advantages that this type of property has.

1. Freedom of choice

When choosing to live at home, you can ask your realtor what you don’t want to visit, such as houses in vertical condominiums that need to follow local rules.

Even though it is a rule for residents to live in harmony, many people do not feel well adapted to this type of housing.

2.More space 

Undoubtedly, many houses offer more space compared to some apartments.

Generally, houses have outdoor areas that can be used for socializing with guests , for example.

3. Adjustments and repairs more easily

Living at home allows you to make more necessary and optional adjustments and repairs to residents, especially if you buy the property.

As the owner of your home, you can do whatever you like with it, from construction to decoration.

4. No condo fee

One of the great advantages of living at home is the condominium fee exemption, unlike apartment dwellers who need to pay the condominium monthly.

Therefore, this expense is less of a concern for those who want to live in a house rather than an apartment.

Disadvantages of living at home

Unfortunately, living at home is not just about advantages. So let’s count the disadvantages of choosing this type of property below!

1. Less security

Unlike apartments that have a doorman, security cameras and other measures that protect residents, houses do not have this type of protection.

The lack of security measures and the absence of residents in the house can make the property prone to robbery and theft, for example.

2. Does not have prorated expenses

In fact, living at home does not have prorated expenses like condominiums. Therefore, be aware that you will be responsible for the maintenance of the house yourself.

However, try to make a monthly plan so these accounts do not affect your financial health.

3. Major renovations or constructions

Some houses are sold unfinished, such as the roof of the garage or the back of the house.

Therefore, it will be necessary to cover the garage and areas without a roof. Review this point before deciding or choose a home with this finish.

parcel delivery

Those who live at home may not receive the order on the day of delivery if there is no one on site.

Unlike those who live in an apartment and can receive through the doormen who work at the concierge.

Advantages of living in an apartment

Now you will discover the advantages of apartment living before you make your choice. Check out!

1. More security

Definitely, living in an apartment is the great security that residents have when choosing this option.

Apartments usually have security mainly on who enters and leaves the building. In addition to being able to leave for as long as you want and leave the property without major worries.

2. Practicality in cleaning

Cleaning an apartment is more practical, as you only need to clean the interior areas of your apartment.

Therefore, common outdoor areas are taken care of by service providers.

3. ore accessibility

Generally, the buildings are located in areas with more accessibility , close to public transport, shops, among other facilities for residents.

Therefore, living in an apartment building can reduce expenses with long commutes — bringing savings with these expenses.

4.Leisure options

Many apartments have several leisure options for adults and children.

Playground, swimming pool, gym, sports court and other entertainment alternatives within the building’s condominium.

Disadvantages of apartment living

Finally, we come to the disadvantages of apartment living . After reading the cons, then you can choose whether you want to live in a house or an apartment. Look!

1. Smaller private space

Although there are common recreational areas in the apartment condominiums, the private areas are smaller.

Therefore, those who have children and live in an apartment with a small balcony will feel the need for more private spaces.

2. More rules

Undoubtedly, every condominium has its rules so that residents can live without problems.

If, on the one hand, it organizes and facilitates socializing, on the other hand, some residents may not respect the rules and end up interfering with harmony.

3. Possible restriction of pets in the condominium

Unfortunately, some condos do not accept residents with pets.

Thus, if you have a pet, then check this detail when buying or renting an apartment .

4. Mandatory monthly expenses

Every condominium has mandatory monthly expenses that must be paid for the resident not to default.

In addition to the condominium fee, they may have expenses such as maintenance of outdoor areas, among other condominium services.

Anyway, these were the main cons and pros of living in a house or apartment. However, we want to remember that each resident has the free option to choose the type of property that feels good.

 

 

Lessor or Lackey: Who pays for the apartment renovation?

 

https://blog.aocubo.com/wp-content/uploads/2017/10/painter-2751666_19201.jpg

Whoever is looking for a place to live thinks about leaving the house as you like, to have more comfort and well-being. So far so good: small adjustments are made. What can cause some kind of problem is when it becomes necessary to do some major work, such as the renovation of the rented apartment. Who pays the bill, the lessor or the lessee?

This is a point that raises many doubts and problems between tenants and landlords are not uncommon. Each side of the issue has its responsibilities, some defined in a contract, others provided for in the Tenancy Law, which governs the residential property rental market in Brazil.

The discussion seeks to find out who should pay for certain types of reforms, and both landlord and tenant need to be well armed so they don’t have to make drastic decisions, such as breaking the contract. Thus, it is important to know some topics of legislation.

What does the Tenancy Act say about rented apartment renovation?

The  text  makes it very clear what the responsibilities of each part of the rental agreement are. It is on this basis that you must negotiate the reforms you intend to make.

When renting an apartment , the landlord is responsible for paying taxes and delivering the property in good condition. The property tax is an obligation of the owner, but it can become the responsibility of the resident if this is provided for in the contract.

The lessor is also responsible for paying for structural reforms, which we will explain in the following item.

The lessee is responsible for paying the energy and water bills, in addition to the condominium. Necessary reforms due to damage caused by misuse or caused by the resident are also within its competence.

All About Renovation in a Rented Apartment

What are structural reforms?

In practice, they are essential works for the use of the property and for corrections of problems caused by third parties or wear and tear. These expenses are borne by the owner.

This category includes works in the electrical and hydraulic parts of the property, in the sewer, roof and walls. For example, if the neighbor on the floor below you notices a leak and it is caused by the plumbing of your apartment, it is the owner who bears the cost of the renovation.

The law states that the owner must return the property in good condition, so make sure everything is working properly when renting the property. Turn on the faucets and shower, turn on the switches, check every structural item in the apartment. It’s worth talking to neighbors about any problems.

As a security guard, take photos and videos of the apartment to have proof of any problems. Check your observations with the inspection made by the real estate agency before handing over the keys.

What are improvements and improvements?

This is where the biggest discussion opens up, as each situation is a specific case, which must be negotiated point by point. Even if it is not necessary, the owner can see a certain work as an improvement to the property, which can be valued with it. In this way, he authorizes the rent discount or pays the payment separately.

An example: if you want to change the dishes in the bathroom, which are already worn out by time and use, and the owner sees an investment in this renovation, he can authorize the change as long as you pay for the work.

The owner can also assess that a renovation is not necessary and that he considers the tenant’s desire to improve, in which case he will have to bear the costs. But, before contracting the service, the tenant must ask the owner’s authorization to carry out the renovation. A tip: always ask for written confirmation and attach it to the contract.

There are cases in which the owner does not authorize a certain reform, even if supported by the resident. For example, if you want to change the bathroom floor and the owner refuses the work, even if you pay. This is a type of reform that does not allow for a return to the original. So, the resident must give up doing the work.

In cases where it is possible to restore the previous situation, negotiation is easier, even when the owner does not see real improvement for the property. Examples include drilling holes in the wall to install shelves, shelves and other items, installing air conditioning and protection grids, changing decorative fixtures or painting the property in a different color.

In any of these cases, the tenant pays the bill, who must restore the property and leave it as described in the entrance inspection when the contract ends. In case of not leaving the property in the same way at the time of departure, the lessee may have to pay fines provided for in the contract.

How to act with items of decoration and personal improvement?

This situation fits into the last one described in the previous item. These are expenses that the owner does not pay, but authorizes to be made, as long as you restore the original on departure.

In most cases, they are items of  decoration  and personal benefits, which do not interfere with the structure of the property or cause changes of great impact. Parts such as light fixtures, switches, lamps, knobs, doorknobs, locks, protection grids, all of this can be done without any major problems, always paid for by the tenant.

When there are changes, keep the originals to reinstall on exit. This way, you enjoy objects and items that please you during the period you live in the property. When you leave, they are yours.

Same thing goes with showers. Exchange and save the originals. Before, see if the electrical network supports the power and amperage of your model.

Also on the electrical issue, if for any reason you need to change the voltage of the outlet points or only some inputs from 110 volts to 220 or vice versa, inform the owner before making the change. An electrician should check for technical conditions as well. When returning the property, you must return to the original configuration. All these costs are borne by the tenant.

How to define the expenses of those who live in condominiums?

The renovations, in this case, are the responsibility of the lessor, as they indicate improvements to the property. Renovations in the set, such as paintings on the facades, structural works on the electrical and hydraulic networks and on the pavements are some of the items that fit into this situation.

What can be agreed between owner and resident is the form of payment. The tenant can pay, if the cost is included in the condominium, and deduct the amount from the rent. These negotiations are punctual and need to be documented.

Renovation of the rented apartment is a well-defined issue by law, but even so, it leaves room for specific negotiations. The important thing is to be prepared for the conversation, so that you don’t take losses or wear yourself out unnecessarily.