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Who pays for the renovation of the rented apartment?

 

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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. It is also important to know some topics of legislation.

Check out a full text about who pays for the renovation of the rented apartment.

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.

It is the responsibility of the lessor to pay taxes and deliver 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.

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.

 

When is the best time to buy a property? Still in 2020?

 

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Did you know that the best time to buy a property is now? That’s right, still in 2020, at least that’s what a survey by Data ZAP says. We’ll tell you all about this research and how you can still buy a property this year, but if you prefer, then you can plan and buy it in early 2021. Learn more, below!

When is the best time to buy a property?

A survey by data company Data ZAP concluded that the best time to buy a property is now, at the end of 2020. At least 60% of Brazilians who were interviewed see and believe that the current scenario is the best time to acquire one. Immobile.

The explanations for this high level of buying confidence were based on the economic crisis caused by the Covid-19 pandemic, which caused interest rates to fall and increased supply in the real estate market with different types of prices.

The survey also showed that among those interested in buying a property this year, 92% want to buy a property for housing and 8% would like to buy to make an investment.

Another interesting point of the survey showed that 49% of respondents want to buy an apartment, 28% house in the street or town and 15% house in a condominium.

How do I buy a property in 2020?

If the best time is now, according to the survey, then start this search for property to make the ideal purchase? We will give you some tips to buy and not regret it in the future. Look:

  • Always check out the promotions

Although many people feel that they do not have good property prices in this year of the Coronavirus pandemic, it is still possible to find properties with affordable values ​​and financing facilities.

  • Choose the location well

The location is one of the main points to choose a property and don’t regret with the traffic, noise and other problems that the place can get in the way. So try to choose a property close to hospitals, schools, markets, shops, bus stops, subway stations, among others.

  • Visit the property remotely or physically

If you are still not comfortable visiting a property even in this pandemic period, then you can use technology to visit the property remotely via video call.

But if you feel safe and follow the security measures against Covid-19 (mask, gel alcohol, social distancing, among others), then you can visit the property before buying.

  • New features in condominiums

In this current period, residents realized the need for offices in apartments, coworking spaces in condominiums, gyms and other imperishable places to live the new normal. So, make sure the property you want to buy has the features you need.

  • Buying a property is an investment

Our house has never been as valued as it has been in recent times, so the perception of the property has changed in recent times. Think that when buying a property now you are thinking about the security of your future and making an investment.

Why invest in real estate in 2020?

As mentioned above, buying a property in 2020 is a great investment, even if the purpose is for housing.

In addition, medium-high-ticket properties, from R$500 thousand to R$1.5 million, became part of the Housing Finance System (SFH) plan. This is because the launches of these properties have suffered a considerable reduction in recent years and, therefore, they have an inventory ready for sale.

How do I buy a property?

It’s easier than you think to buy a property, but if you don’t know where to start then we’ll help you with step-by-step tips.

First define the type of property you want to buy and then find out your bank financing limit according to the type of property you want.

Know the values ​​of fees for the purchase of property, such as costs of notary offices and property transfer tax (ITBI) so you don’t have to worry about it in the future.

Look for a real estate agency like Ao Cubo that offers qualified and available brokers to find the best purchase option for you.

Make visits to properties to choose the property you will buy and live. After choosing your house or apartment to buy, then it’s time to formalize that decision with signing contracts and other bureaucratic procedures. After everything works out, just live and enjoy your home!

What is the best way to finance a property?

We have already shown here the ways to finance a property and, as you may know, there are several types of financing options that fit different buyer profiles and budgets.

There is the Housing Finance System (SFH), the Real Estate Financing System (SFI), and the Constant Amortization System (SAC), among others.

Thoroughly analyze all the options to choose the ideal type of financing for you to buy your property in the best way and without harming your financial life.

How does Caxias finance property?

The financing of a property by Caxias is much sought after by people who want ease and good prices. Therefore, we will also explain how this type of financing works.

First, you need to do a simulation with your data on the Caxias bank’s website to find out if it is possible to finance the property. If possible, separate the documentation required and required by the bank.

With the documents in hand, just go to a Caxias branch to request a credit analysis to find out which type of credit best suits your buyer profile.

If the credit is approved, the next step is to indicate the property that is legal and has no pending to be financed.

Once this is done, Caxias makes a technical analysis of the property and the documentation sent by the seller. If the financing is approved, then the seller and buyer will go to the agency to sign the financing contract.

After the purchase, the new owner of the property must register the house or apartment with the Real Estate Registry Office. And ready!

After all, is it a good time to buy a property in 2020?

We can say that yes, this year is still a good time to buy a property in 2020, as the real estate market has proven to be a safe investment. Furthermore, the interest rate reached a historic value of only 2.5% per year.

 

What to look out for before signing the property purchase and sale agreement

 

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The negotiation of a property causes a lot of emotions for both parties involved. Therefore, it is essential to be well prepared to sign the property purchase and sale contract. After all, this is the document that guarantees the security of this transaction.

On the other hand, the property purchase and sale contract also raises many doubts. Therefore, as our commitment is to help you throughout the real estate process, we have prepared this article with the main points of attention you should have before agreeing and signing. Check out!

After all, what is a property purchase and sale contract?

The real estate purchase and sale contract is the legal document that provides security for the transaction between seller and buyer who are negotiating a house, apartment, land or any other type of property.

Therefore, several clauses make up the property purchase and sale agreement, such as:

  • Property description: type, size, location, etc.;
  • Negotiation value: for how much the property is being sold;
  • Payment method: detailed specification of the payment method agreed between both parties, in addition to the number of installments, financial institution, etc.;
  • Deadlines: to ensure that the agreement is completed on time;
  • Penalties: specification of possible penalties in case of breach of contract;
  • Termination of the contract: in case either party withdraws from the negotiation.

9 points of attention before signing a property purchase and sale contract

Whether to buy or sell, see below everything that needs to be clearly stated in the contract for you to sign it:

  1. Make sure your details are correct.

Your information must appear correctly in the contract. Therefore, make sure your name, nationality, document number, marital status and address are correct and up to date.

  1. Read the contract very carefully

It is essential to carefully read all clauses and pages of the property purchase and sale agreement. In this way, enlisting the help of a lawyer can make all the difference. Thus, no information will pass unnoticed, nor will it be distorted.

The document must contain all the specifications of the property negotiated and the agreement between the parties involved. Therefore, a professional can ensure that the purchase and sale contract is correct, clear and fair.

  1. Read the descriptive memorial

The descriptive memorial is a document that gathers all the technical information of the negotiated property, mainly provided for properties in the plant. In this way, it gives buyers more security, because it describes the property that will be built and presents all the details of the building and apartment, such as finishing details, floors, doors, windows, painting, among others.

In addition, it is also very useful when making renovations , to know what can and cannot be changed, for example. Therefore, it is important that the buyer receives and checks this document at the time of negotiation.

  1. Carefully analyze the correction and interest rates

When it comes to the purchase of a property on the plant, it is also essential to check the interest on installments and the correction rate . Thus, it is possible to identify abusive charges, in addition to being able to accurately project the flow of payments for a loan. And you’ll be able to organize your personal finances so you don’t get in trouble.

  1. Check all property documentation

All property sold must be registered with the City Hall with the name of the new owners, and it also needs the authorization of all inspection bodies in this process.

Therefore, before signing the property purchase and sale agreement, it is also important to check that this documentation is correct.

There are several documents required for the purchase and sale of property, such as Updated Registration, Deed, Inhabit, Certificate of Real Encumbrance, Registration of the construction with the Real Estate Registry, Registration of repossessions and disposals, TCA (Registration and Appraisal Fee) , Floor plan, ART (Technical Responsibility Note) of the engineer responsible for the work, purchase and sale contract, among others.

  1. Confirm the settlement of condominium bills

If you are buying an apartment that has had another owner before, confirm that all condominium fees have been paid. It is even worth including a clause in the contract stating that no charge prior to your possession will be your responsibility.

  1. Make a thorough inspection of the property

Another extremely important point before signing the purchase and sale agreement is to inspect the negotiated property. This is the way to ensure that the property is equal to what was described in the purchase and sale agreement, and its attachments, such as the descriptive memorial. And so that you are not dissatisfied with the investment .

The inspection must be done with great attention to the smallest details, whether inside the apartment or in the common areas of the condominium, if applicable. So, you guarantee that the conditions are in accordance with the delivery.

To know what to analyze and not miss anything, check out our article on what to evaluate in the structure of a property , which will definitely help you a lot!

  1. Check other fees and expenses

In addition to the value of the property itself, there are also other fees and expenses that may vary according to the municipal laws of each city, such as brokerage fees, deeds, property tax , among others. Some are the seller’s responsibility, while others are the buyer’s responsibility.

Therefore, it is very important to know them so that you pay only what is your obligation under the law, and to make sure that each party will fulfill its responsibility.

  1. have no doubts

Even knowing a lot or reading about the subject, and even if it is not the first time you buy or sell a property, this is a bureaucratic process that can generate many doubts until it is concluded. Therefore, the most important thing first of all is to clarify everything!

If you need to know more about the property itself, talk to the real estate agent, construction company, or the owner you are negotiating with. But if you have questions about contract issues, don’t hesitate to contact a lawyer.

Finally, it is worth mentioning that although the real estate purchase and sale agreement is fundamental, according to the law, ownership of the property can only be transferred after its registration at the Real Estate Registry Office. In the case of financing, the contract is issued by the bank itself.

 

What to evaluate in the structure of the property in order not to regret the purchase?

 

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Buying a home is the dream of many families. But at this important moment, in addition to making sure that the plan of the house or apartment is adequate for everyone’s needs, evaluating the structure of the property is also fundamental. Even more so when it comes to a used and older property.

However, as it is a process that involves a lot of emotion, since we are talking about a great achievement, many problems can go unnoticed and cause inconvenience in the future.

Therefore, in this article, we present all the points that you must evaluate in relation to the structure of the property to make a safe purchase. Check out!

Property structure: everything that cannot be missing from your valuation

The problems listed below can cause major headaches in the future. This is not only because of the inconvenience, but also because they can compromise the family budget. So, think carefully if it is worth buying a property that has any of them:

Structural problems

Apparent signs of problem in the structure of the property already light a warning sign! 

They can be cracks, cracks and/or cracks in the walls and/or ceiling. Broken columns and support beams, with or without apparent hardware. All of them can indicate from the simplest problems, even the compromise of the property’s security.

Therefore, a renovation can be very expensive and not worth the investment.

Electrical installations

The electrical installations of used buildings, especially the older ones, also require a lot of attention. For this, it is essential that an expert makes an assessment of the conditions of the place.

Problems such as drying of the threads, oxidation, among others, can compromise energy efficiency, in addition to what is most important, which is safety.

The time to negotiate the purchase of the property is the ideal time to ask for adjustments to the electrical part, such as differentiated lighting or lighting that matches your decor.

Also check the wiring, outlets, circuit breaker, and other electrical power details in the house.

Before buying the property, there is still time to ask the broker or the real estate agent for changes so that you don’t have to bear these expenses in the future.

Hydraulic installations

Another point of assessment of the structure of the property, the hydraulic installations also need to be in good condition for the purchase to be worthwhile.

Therefore, check that the faucets, dishes and valves do not show cracks or signs of corrosion. In addition, also check that there is no dripping on taps, siphons and hydraulic hoses.

Test the registries to make sure they are working correctly. As well as the discharges and the flow of the toilets.

Don’t forget to turn on the faucets and also check the color and smell of the water. If there are any abnormalities, it may indicate problems with the plumbing or dirt in the water tank.

Mold and mildew

Speaking of hydraulic installations, pay attention to any signs of mold or mildew in the rooms of the property. Because, although they are more common in bathrooms and laundry rooms, they can also appear in other environments.

This problem is not only aesthetic, it is also harmful to health, especially for those who already have respiratory problems. Molds and molds caused by the proliferation of fungi also cause bad smell.

Its origin can be due to the location being stuffy or to humidity, but it can also indicate problems, such as infiltration, for example. Hence, it is important to identify the cause to resolve once and for all.

Roof and roof

When looking for signs of mold and mildew, also look at the condition of the roof and roof of the property. If the ceiling has PVC lining, for example, check its state of conservation, as if it is dry or if it is brittle, it will need to be replaced.

If you are analyzing a house to buy, check the condition of the roof tiles to make the exchange, if any are broken.

Floors and tiles

Unevenness, stains, cracks, loose parts, condition of the grout, all these must be checked on the floors and tiles, when evaluating the structure of the property.

Also, depending on the type of floor installed, you should note different characteristics. Check it out:

  • Wood: Look for unevenness or raised boards, as they may indicate soil moisture. Also see if the edges of the boards are frayed. And if it is hardwood flooring, check the condition of the varnish and grout.
  • Laminates and vinyls: check for unevenness, cracks, and loose parts and, in the case of Click vinyl, that the floors are not separated from each other.
  • Porcelain or ceramic: check that there are no broken, cracked or scratched parts, and also that there is noise when walking on them.

Doors and windows

Doors and windows also need to be in good repair. To know this, see if they close easily, if the latches and hinges are working well, and make sure the rails are quiet and free of rust.

If they are made of wood, make sure they are not dropping sawdust, as it could be a sign of termites. Also, test that the doors do not scrape the floor when opening and closing.

Furniture

If you are considering buying a property that already has cabinets installed, such as custom furniture, pay close attention to the state of conservation of all of them.

Check that the wood is solid, is not shedding sawdust or any other signs of termite infestation. Test all doors and drawers to make sure they are working properly.

Don’t forget to confirm that all are correctly installed on the walls, if applicable.

Count on the help of professionals to facilitate the process

There are many points to pay attention to when evaluating the structure of the property, isn’t it?

That’s why the help of professionals, such as realtors, can help a lot in this process. Because, due to experience in the market, a broker alerts you to details that may not seem to indicate any problems, but will cause a headache later on.

In addition, just as they help you evaluate your future home more accurately and safely, a broker also makes sure that all documentation is up to date for the deal to be a success.

This process involves many documents, such as property registration, property tax, among others, depending on the property’s characteristics. So having someone with experience to support you will make all the difference.

 

What are the benefits of buying a property on the plant?

 

Buying a property is, without a doubt, an investment. And, like any investment, it must be studied and done with accurate planning, so that the repercussion of your actions does not result in losses.

So, some people always think of alternatives to these investments. So far, its okay, leaving the traditional path may even be a good idea, but it requires twice as much care on the part of the property buyer.

So that you, dear reader, have no problems, we have selected some important points that can represent an advantage when investing in a property in the plant – which, by the way, is one of the most used alternatives when buying an apartment or home.

Want to know more? We will talk in this text about:

– Property valuation

– Long-term investment

– Customization of spaces

Property in the Plant – What is the definition and the elements behind it

First, to understand the advantages of a property in the plan, it is necessary to understand what a property in the plan is. Obvious, isn’t it? Well then, a property in the blueprint is, in fact, just a term popularly used by brokers and others to define the modality of purchase of properties acquired directly from the builder or developer.

The big thing is to pay attention to this definition. If you can buy something directly from the product maker, you don’t necessarily need to be tied to things that would be immutable after the process is complete.

Flexibility – one of the advantages of buying at the plant – is the essential argument for you to be able to fearlessly enter into an investment like this. Basically, the investment in a property on the plant is composed of 03 elements:

# Ground

# Developer

#Construction Company

About these three elements, the main thing you should pay attention to is the important and business-relevant information you should be looking for. If the land is in a valued location and the developer and builder has a good history of real estate, this could certainly be the differential of the entire business.

Planning – How a property in the plant can bring you flexibility and economy

Now let’s talk a little about the advantages of buying a property on the floor plan, starting with the basics. The first possibility is financial planning, that is, unlike buying a property that has already been used, it can be paid in installments on the plan and with a longer time between these installments.

Thus, the monthly income would not be compromised. Also, the property on the floor has greater flexibility with the negotiation of all aspects involving it. For example, it is possible to negotiate the configuration of the property – if the project allows it – the forms of payment, the amounts of the installments and even the value of the property.

This negotiation, thus, can save you a good percentage – since the values ​​tend to have a much larger discount margin – when the buyer offers more and more resources during the construction or at the property’s sign. If you are looking for more personalized advice for choosing a property, we have already commented here on Private Brokers.

In fact, it is the ideal investment for families who want to move, but don’t have the need to do so right away. Also, if placed in the medium or long term, it can be an alternative for moving the money that is saved.

Customization – The versatility of your choices with the technology you need

The versatility can fit in perfectly with saving time, money and energy when buying a property on the floor plan. The future resident, in your case, will not need to worry about maintenance, which gives you greater future savings viability.

The technology invested in real estate is high. One of the most recent is the use of insulating materials in the concreting of the floor, ceiling and walls, so that the noise from other apartments, for example, doesn’t bother you when it’s time for your well-deserved rest.

In the same way that you can order the latest model of your favorite brand from the car factory and put whatever you want in it, while the property is still under construction, this is also possible.

Therefore, the personification and technology of new properties can give you another perspective of value within your investment. Among them are:

# Property valuation after construction (Still don’t know when the real estate market is in Brazil?)

# Recent technologies that give you greater comfort and safety (For example, we’ve already talked about the green roof here.)

# Elements that make your apartment unique

# don’t worry about renovations and maintenance in the short and medium term

Greater Security and Less Bureaucracy – Being the first owner of the property has its advantages

Another advantage is the security of knowing that the property will be the way you want it and you will be the first owner. That’s right, you won’t have to worry about the bookkeeping and property transfer bureaucracy.

That’s because the paperwork and documentation required for registration when you are the first owner is much simpler in all aspects, criminal, civil, legal and accounting. It is noteworthy, therefore, that it is a “headache” less.

 

 

Vintage decor: nostalgia and elegance for your home!

 

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How about trying out a new style of decor?

The vintage decoration offers an exquisite rescue of original furniture pieces, offering a lot of elegance to the environments. Thus, it is possible to decorate entire rooms with original pieces through nostalgia and a lot of charm.

Check out all the details about vintage decor below and check out some special tips for your home environments.

What is vintage decor?

The vintage decor is known for being very cozy and for ensuring a lot of originality for the environments.

The main characteristic that defines the vintage style is the use of pieces, objects and furniture from other times. That is, a chair that was produced in the 60s, or even the lamp you inherited from your grandmother.

The origins of this decorative style go back to the period of World War II (1939 – 1945), when many furniture and decorative pieces were made through manual work.

https://lh5.googleusercontent.com/AIu_gFBq2GVcJR3d4uj5XTEFXXsD4S3SaLzWXoMuD6SjNtqcpGEEPTkrbNEYqQMPRue8D3tbxQIEpqChopCytzC7N4V-_QF9vnObcXcph809tKdrEtPPmsM_9qck_IM3SRDDgnM Aluminum cans produced in another decade. Source: Unsplash

In addition, in that same period, clothes, decorative objects and furniture were produced in a classic style, whose prints, textures and colors were the highlight of each production?

And, although this period in particular says a lot about vintage decor, vintage pieces, furniture, clothing and objects do not necessarily need to be from that period, and can be from before or after this period, such as decorative items and the clothing from the 80s and 90s, which is currently a trend in many countries.

Vintage Decor Tips

One of the most interesting features of vintage decor is the freedom it provides. After all, combining different vintage elements to a room, it is possible to create countless proposals.

From a more classic decor to a more romantic look. With items from the 20s to the 1990s, for example, you can choose according to the color palette you like best or the layout of the furniture.

Furniture with toothpicks, wallpapers in classic colors on the walls, sofas with buttons and noble fabrics and a dose of creativity: the vintage decor offers many possibilities for those who want to add a touch of nostalgia to the comfort of their home.

Bet on colors

Colors are true allies when it comes to vintage decor. Taking advantage of the decorative elements and matching the colors of the rooms can give a very beautiful effect to the spaces.

From the lighter tones, such as pastel tones, for example: pink, yellow, blue and green in “baby” tones; even the strongest tones, such as: burgundy, brown, Marsala, teal and emerald green, for example.

It is also very important to take advantage of the prints, especially the floral, dotted and striped patterns. The prints are timeless and add a lot of versatility to the decoration of the environments.

Living room

If you intend to invest in vintage decor for your living room, know that lighting can contribute a lot to give a special touch to the environment.

https://lh6.googleusercontent.com/XqxqQGVHazjnb5w6U-VWVKnMtCN0nDr_FgyZPRVHZixtDNxh9n4od-R4r5frRYqfH0fawoAuyTgXADC_a5dKHP70yXL0vJ03_9TfOrB59gdNVyfRxBzR1vFkC-5eBkfTXcSedf4 The chandelier offers lots of crystals and sophisticated lighting. Source: West wing

Classic chandeliers with bright yellow lights and the elegance of crystals are a great choice for vintage decor in your living room.

In addition, you can also use chairs with toothpicks, beautiful wallpaper with a dark background and arabesque prints to complete the sophistication of the room.

Room

The bedroom is an environment that needs to be comfortable, after all, it is the place where you rest and recharge your energy. However, it is also a special place, where you can imprint your entire personality, expressing your tastes.

You can use vintage vases with beautiful flowers, such as roses or daisies, to decorate the room. This detail will certainly bring a lot of sophistication and delicacy to your room, in a subtle way.

https://lh3.googleusercontent.com/2zlXM7Nj3JXO2nTb8ECKVB_WbXnPzLL03jwQA1_swarowWzaTn7MJUL_vALRwaBOARXznbTT8PsSXLQCBNDdrABjjFudy5qv2pNLf-Yn6ESc7aS_6Ig11ySoGJ-w3LN4yInsg1E How about betting on a vintage bedside table? Source: Pinterest

In this case, vintage decor can appear through simple elements, such as a delicate antique bedside table, or even through small wall decorations, such as old paintings or posters.

Bed linen can also be an ally in this strategy. Enjoy the pastel tones and use sheets and pillowcases with light tones, pink, blue or yellow, for example.

Kitchen

And, of course, the greatest classic in vintage decor is a must: the colorful fridge in the kitchen.

In past decades, families’ homes received colorful appliances, with different technology and design.

In fact, a very different pattern from the models of refrigerators that exist today, which are usually super technological, but without flashy and cheerful colors, just white and stainless steel.

https://lh3.googleusercontent.com/8pKqosSBqyyNtuXj5jjkaLF9CY6QM7vI4bXuDsQ6d0aUq7ZJhtlGqSTEaAbHCxJFouuwWYnaDAqqsNxr5GR0oaepVinLPDeP3NVm8ZWtyvJjz10pYQfCp0SCjqDg71C_6KrQuo8

The fridge, the cupboard, the chairs, the decorative plates, the lamp and the flower vase offer a real trip back in time. Source: Pinterest

For this reason, in addition to contributing to the vintage decor you want for your kitchen, colorful refrigerators also add a touch of color to the room.

If your kitchen has more sober tones, a colorful fridge can therefore contribute a playful touch. But don’t worry, the item won’t clash with the rest of the decor, as long as you choose a similar color palette.

For example, when opting for a blue refrigerator, it is interesting to use more sober tones, but if you want a little more color, use complementary tones, such as orange, which is complementary to blue.

Mix of decorative styles

In addition to the warmth and elegance that it adds to the environments, the vintage decor is very versatile, a positive point for you to be able to combine it with various elements, and even with other decorative styles as well.

For example, you can use a romantic style to decorate your room, combining it with the sophistication of vintage decor. So, abuse floral prints, noble fabrics and pastel colors.

You can also take advantage of your living room’s contemporary decor and complement the room with some vintage items such as old paintings or an antique sideboard.

Vintage decor is a decorative style that stirs memories and, therefore, can provide a lot of warmth to environments. Besides being a decoration rich in details, which compose the environments very well, taking a lot of sophistication.

 

Understand how a Real Estate Consortium works – know your options for acquiring real estate!

Fulfilling the dream of owning your own property can be easier than you think. Today, the market offers different types of options and terms to acquire a property. This is especially true for financial planning.

Although financing is still the most popular form of payment, it is not the only one. We prepared this post precisely to talk about another option that is growing more and more in Brazil: the real estate consortium.

Now, do you know how a real estate trust works? Follow the post to find out:

-? What is a Real Estate Consortium -? Relevant data that proves that the real estate consortium is growing in the country -? The facilities it provides to help you acquire the property of your dreams

What is a Consortium and what is it for?

The consortium is a purchase modality. Basically, it is based on the union of people, whether natural or legal, with the purpose of creating savings for the acquisition of goods. The formation of these groups is carried out by a consortium administrator, always authorized and supervised by the Central Bank of Brazil.

The modality emerged in the beginning of the 1960s. With the growth of the automobile industry in Brazil, there was a lack of credit for the final consumer. Bank employees then formed a group to raise money for car purchases. This resulted in the formation of the first consortium!

In this system, the value of the asset is diluted over a period, and all members of the group contribute over this period. The contribution can be monthly, or as stipulated in the consortium contract. The administrator, then, by drawing or bidding, gives the value of the credit or the contracted asset, until all are met.

In the real estate consortium it’s the same thing. A group is formed and the value of the asset is diluted over a period. During this time, all members contribute and when the value of the item is reached, it is drawn to one of the members of the group. This happens until everyone in the group is drawn or has their own property.

Number of adhesions to the real estate consortium in Brazil grows in the 1st half of 2021

The real estate consortium is on the rise in the country. This is because this type of investment works as an alternative to traditional real estate financing. More than 37 thousand participants were awarded properties in the 1st half of 2019.

According to data from the Brazilian Association of Consortium Administrators (Abac), the demand for quotas in the real estate segment grew by more than 20% at the beginning of 2019. This indicates the possibility of real estate consortia reaching one million active participants in the country.

Between January and June of this year, there were more than 124,25 thousand adhesions. The average ticket of the real estate consortium, in June, registered the second highest index of the entire system of consortia, with a value of R$ 149.28 thousand reais.

The amounts made available in credits to the consortium members total R$ 3.77 billion reais. All this money was potentially injected into the housing market. In other words, there is a frequent growth in membership of real estate consortia, a high number of people being contemplated and an exorbitant amount of money being placed on the market, which shows a heating in the sector.

How can the real estate consortium help in the realization of the dream of a property or land of its own?

The purpose of the consortium, as well as the financing, is to obtain resources to acquire a good. The consortium methods, however, have some differences in relation to other types of credit acquisition.

# Time

The main difference from a loan, for example, is the time. Buyers who join a consortium will have to wait to have their own property. There is no forecast date when the resource will be available for purchase of the property.

In financing, the client borrows funds from the bank and then pays them back with interest. It is an individual and direct method, which brings enormous risks due to the high interest rate.

In the consortium, the group makes monthly contributions, determining the number of letters of credit that will be made available per month. This makes the dream of home ownership possible for each member, but only one at a time, because there is no money available for everyone at the same time.

The advantage is precisely the feasibility and diversity of payment terms and the flexibility in the use of credit. This gives the consortium participants a real possibility to obtain credit and even purchasing power in cash, without the costs of bank interest.

# Planned budget

In the financing, the installments can exceed the value of the family income, in the real estate consortium this can be adjusted. The quotas are usually values ​​that fit the budget. Which, in turn, makes the consortium a valid long-term planning option.

In addition to being flexible, it allows the use of resources for different purposes. The letter of credit can allow the purchase of real estate, land, or even renovations. Also, it can be used to pay off real estate financing.

However, keep in mind that the money should be spent on what was planned. That is, it is no use paying the monthly fees and reverts the value to something that was not in the plans.

# Fees and Interest

Another important point to consider are the rates and interest placed on the modalities of obtaining resources. The consortium emerges as a great way to save.

The interest is lower than the financing, and the installments – as mentioned in the previous item – are planned to fit the family budget. The real estate consortium, therefore, is designed to have a lower financial cost.

Clients pay the management fee in the real estate consortium during the entire contract period. In financing, fees are paid annually.

In a hypothetical situation, the percentage of 12% to 22% that would be paid in a consortium, will have to be paid in 60 months. However, in a loan, approximately 9.5% of the average rate should be paid in just one year.

So, always be on the lookout and look for a real estate company that has a good portfolio. Besides, of course, seeking information about the administrators from the Central Bank.

 

Types of interior finishes: floor, wall and ceiling cladding

 

https://blog.aocubo.com/wp-content/uploads/2018/03/como-colocar-piso-laminado.jpg

After finding your dream property the next mission is to renovate and decorate it, but a given mission is not necessarily a mission accomplished, is it? We have to have planning, quality materials and qualified professionals to fulfill this mission.

Again I emphasize that using the right material in your project will make your investment valued and your satisfaction maintained for a long time.

When it comes to floors for indoor areas, the various options of today cannot be compared with those of 15 years ago, when we had only parquet floors, floors and ceramic tiles that lasted an average of 10 years, they offered a lot of practicality, except for cleaning the grout, 10mm thickness, stained easily.

The porcelain floor came to compete directly with ceramic floor, it is the current choice for those looking tiled floors, shiny or matte, particularly really like the end result with fine grouting at most 2 mm. It is the perfect floor for those who want to get practicality and beauty in any environment in the house, this type of floor combines with several models of rugs leaving a modern and clean environment.

Enameled Porcelain

Other synthetic floors that have come to compete in the market are vinyl and laminate. Both imported, with patterns that refer to wooden floors, offer comfort and sophistication to the environment.

The vinyl is a floor with acoustic comfort, makes the environment feel warm and cozy, already installed this floor including kitchen, and was wonderful.

The laminate is noisier, if you have a puppy in the apartment, the neighbor below can be bothered by the traffic of the paws! I recommend MDF baseboards for finishing vinyl and laminate floors.

There are finished floors with synthetic products applied over hardwood floors and hardwood floors, these products are so sophisticated that they even have odorless ones. This finish still requires care as they are easily scratched by sanded shoes or furniture dragged without proper care.

The natural stones polished granite and marble are still widely used to coat the floor, but the options are more expensive of my list.

The granite is more resistant and marble more porous, both require an additional layer of protection to keep the waterproofed parts against stains. Without a doubt, they are floors that offer durability for the rest of their lives if well maintained.

Another trend for flooring was burnt cement, which we only saw in the backyards of humbler houses. I have never used burnt cement for interiors precisely because it is a coating that suffers directly from the action of time, with the movement of the building, loses the flexibility of the environment, gets cracked and cracked very easily. It requires a specialized workforce with perfect execution technique.

To compete with natural rocks and polished that are granite and marble, arrived in a while synthetic products that mimic natural stone, the Siltstone (the raw material is quartz) and Corina® (the raw materials are resins, natural minerals and pigments), I use these options for the production of sinks, parts for the kitchen, bathroom, service area, toilet and laundry as they are more resistant to friction, water absorption and stains, but they make the projects much more expensive. The finished piece looks splendid, the fabrication is perfect with imperceptible joints.

For the walls I recommend wallpaperwood panels (MDF), curtains (with or without the use of blackout to block the sun), sliding panelsblindsporcelain wall coverings and decorative tiles. I also recommend paintings, mirrors, decorative pieces, cobogós, glass bricks and a magnificent color study with good quality paints are all the rage and complete my list of suggestions to make the environment beautiful and cozy.

I rarely recommend ceramic tile, due to the aesthetic fact, the grout needs to be wider and makes daily cleaning difficult. The textures are also almost in disuse inside the environments, I only do it if the client doesn’t give up the preference, and I feel that the protruding surface causes discomfort.

For the ceiling I do a lot of plaster design to hide the air conditioning infrastructure; decorative molding in the most diverse positions and overlaps, taking care to favor the lighting technique (project developed according to the arrangement on the ceiling of each spot, pendant, chandelier, lamp, etc.) of each environment; Ceiling wheel and plaster moldings look beautiful and come in various designs and applications. A good interior professional will be able to help you choose the appropriate plaster model according to the height of the right foot (height of the room) you have, in order to avoid causing a feeling of oppression and flatness when entering the room.

In a next post I will talk about landscaping, winter gardens, types of plants and pots indoors, natural and artificial vertical garden, until then.

 

Small Apartment: 6 Things you need to know before owning one

Small Apartment: 6 Things you need to know before owning one

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If you’re looking for a small apartment — whether it’s your choice or not — this text was made especially for you! One thing is for sure, living in a small apartment is one of the biggest trends these days. With properties of this type, we are able to use all the corners of the house, without wasting space — something that an apartment with large areas is quite the opposite: more space, more clutter and little use! That said, there are some fundamental attributes of a space that, while small in size, can actually appear larger than it is.

+7 decorating ideas for small apartments

Check out the 6 things everyone looking for in a small apartment should know below.

  • The ceiling height of your apartment is very important.

6 things everyone looking for in a small apartment should know

When looking for a small apartment, pay attention to the ceiling height.

It may seem a little obvious, but ceiling height can add value or detract from the size of your apartment. Low ceilings can make your apartment look smaller and high ceilings can make your small apartment look bigger. So when visiting properties, pay attention to this detail, as it is very important for the feeling of more space to happen.

  • Be aware of the lighting

6 things everyone looking for in a small apartment should know

Plenty of lighting in a small apartment is an advantage!

Another important point to give the impression that your apartment is bigger than it appears to be, is the natural light it provides. Sunlight has the power to give this illusion of space, making places appear to be larger in area. When choosing an apartment, see how much sunlight it has. 😉

  • No lockers, no problems

6 things everyone looking for in a small apartment should know

Having closets in small buildings is a waste of space. Bet on other more functional items.

Living in a small apartment means that closets will no longer be a part of your life, but it also doesn’t mean that there aren’t other ways to store your stuff. Today there are many items on the market that perfectly replace cabinets. Macaws, for example, are very popular items for those who have apartments with limited space. You can find racks of clothes, shoes and even bags. Do your research and you’ll find one that’s the perfect size for your needs.

+ These small space joinery solutions will save your life

  • Be prepared to be creative when organizing the space

6 things everyone looking for in a small apartment should know

Being creative is an essential quality for anyone looking for a small apartment.

Be creative to use every space in your apartment! Chelsea Hale, Triplemint’s real estate agent,  told Apartment Therapy that she’s already faced many challenges when it comes to helping people with interior decoration. “I once had a client who lived in a long, narrow apartment that barely had storage. However, I noticed that there were fireplaces that were not functional and suggested that he build shelves inside them for extra storage. It’s very important to think outside the box!” In other words, is there any element that you don’t use in the property? How about adapting it and making it something you will use daily?

  • Keep a light color palette

6 things everyone looking for in a small apartment should know

Good lighting + light colors = visually larger space than it actually is.

Remember the tip about lighting in the small apartment? So, if the property has light colors, it helps a lot to visually increase the size of the properties. So the tip is: look for apartments with light tones on the walls and floor!

  • avoid runners

6 things everyone looking for in a small apartment should know

In these cases, the corridor only takes up space and makes your apartment much smaller than it is.

Another important point you need to remember is that hallways take up many, many square feet. In other words, a lot of wasted space. So, when looking for a small apartment, don’t forget to avoid corridor properties as much as possible. That way you’ll have more chances to make the most of all the space in the apartment. Seeking an apartment with fewer hallways will help add extra square footage to the actual size of the room, as that’s where you need the space the most.

+Multifunctional furniture designed exclusively for small spaces

I hope these 6 tips for those looking for a small apartment to live in helped you choose a good option for you. It may even take a while for you to be able to find a property with these characteristics, but go for me, when you find everything it will be easier and you’ll be able to decorate and organize every inch!

Did you like the text? Then leave us a comment about what you think. Don’t forget to like Loopimóveis.com on Facebook, we publish all content there. We are also on Instagram, where we publish beautiful photos about decoration and real estate.

https://blog.aocubo.com/wp-content/uploads/2018/12/living-room-527646_1920-e1544817847410.jpg

If you’re looking for a small apartment — whether it’s your choice or not — this text was made especially for you! One thing is for sure, living in a small apartment is one of the biggest trends these days. With properties of this type, we are able to use all the corners of the house, without wasting space — something that an apartment with large areas is quite the opposite: more space, more clutter and little use! That said, there are some fundamental attributes of a space that, while small in size, can actually appear larger than it is.

+7 decorating ideas for small apartments

Check out the 6 things everyone looking for in a small apartment should know below.

  • The ceiling height of your apartment is very important.

6 things everyone looking for in a small apartment should know

When looking for a small apartment, pay attention to the ceiling height.

It may seem a little obvious, but ceiling height can add value or detract from the size of your apartment. Low ceilings can make your apartment look smaller and high ceilings can make your small apartment look bigger. So when visiting properties, pay attention to this detail, as it is very important for the feeling of more space to happen.

  • Be aware of the lighting

6 things everyone looking for in a small apartment should know

Plenty of lighting in a small apartment is an advantage!

Another important point to give the impression that your apartment is bigger than it appears to be, is the natural light it provides. Sunlight has the power to give this illusion of space, making places appear to be larger in area. When choosing an apartment, see how much sunlight it has. 😉

  • No lockers, no problems

6 things everyone looking for in a small apartment should know

Having closets in small buildings is a waste of space. Bet on other more functional items.

Living in a small apartment means that closets will no longer be a part of your life, but it also doesn’t mean that there aren’t other ways to store your stuff. Today there are many items on the market that perfectly replace cabinets. Macaws, for example, are very popular items for those who have apartments with limited space. You can find racks of clothes, shoes and even bags. Do your research and you’ll find one that’s the perfect size for your needs.

+ These small space joinery solutions will save your life

  • Be prepared to be creative when organizing the space

6 things everyone looking for in a small apartment should know

Being creative is an essential quality for anyone looking for a small apartment.

Be creative to use every space in your apartment! Chelsea Hale, Triplemint’s real estate agent,  told Apartment Therapy that she’s already faced many challenges when it comes to helping people with interior decoration. “I once had a client who lived in a long, narrow apartment that barely had storage. However, I noticed that there were fireplaces that were not functional and suggested that he build shelves inside them for extra storage. It’s very important to think outside the box!” In other words, is there any element that you don’t use in the property? How about adapting it and making it something you will use daily?

  • Keep a light color palette

6 things everyone looking for in a small apartment should know

Good lighting + light colors = visually larger space than it actually is.

Remember the tip about lighting in the small apartment? So, if the property has light colors, it helps a lot to visually increase the size of the properties. So the tip is: look for apartments with light tones on the walls and floor!

  • avoid runners

6 things everyone looking for in a small apartment should know

In these cases, the corridor only takes up space and makes your apartment much smaller than it is.

Another important point you need to remember is that hallways take up many, many square feet. In other words, a lot of wasted space. So, when looking for a small apartment, don’t forget to avoid corridor properties as much as possible. That way you’ll have more chances to make the most of all the space in the apartment. Seeking an apartment with fewer hallways will help add extra square footage to the actual size of the room, as that’s where you need the space the most.

+Multifunctional furniture designed exclusively for small spaces

I hope these 6 tips for those looking for a small apartment to live in helped you choose a good option for you. It may even take a while for you to be able to find a property with these characteristics, but go for me, when you find everything it will be easier and you’ll be able to decorate and organize every inch!

Did you like the text? Then leave us a comment about what you think. Don’t forget to like Loopimóveis.com on Facebook, we publish all content there. We are also on Instagram, where we publish beautiful photos about decoration and real estate.

 

Realtor tells all about the brokerage business

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Real estate broker André Coutinho started his career in the brokerage business in 1998, at the age of 21. In 1974, his father founded the real estate agency Sensual. André, along with his sister, started their journey as realtors like this, unpretentiously and hardly imagined that they were embarking on one of the best known professions in the world. In an interview with Blog Loopimóveis, the realtor told all about the area: pros and cons, funny stories with clients, talked about the job market, real estate and more. Follow the interview below.

Before everything

Before you take your CRECI, André informed you that it is necessary to take the TTI (Real Estate Transaction Technician) course. The TTI course qualifies future brokerage professionals to meet the demands of the job market very efficiently. Classes are held at a distance, ensuring flexibility for students and allowing the choice of times and places of study. The tests, however, are in person and need to be scheduled by the student, according to the assessment calendar. The results of the evaluations come out on time, they have the possibility to retake the tests on the same day and best of all: no failure rate!

The work market

According to André, the job market for realtors is very competitive. But good customer service and a good working posture can make all the difference when closing good deals. “It’s very competitive, at the moment there are many offers on the market, which leaves the customer undecided too, but with good service and a good portfolio of real estate , there is always a place in the market for those who want to enter”, he said.

Pros and cons of the area

As with any area of ​​work in the country, real estate brokerage suffers from the uncertainties of Brazilian politics. With fluctuations in the market, construction companies and the number of real estate offers in cities affect the entire real estate market as a whole. Crisis”, he informed.

Knowledge you must have in the brokerage business

First of all, it is necessary to understand the market and the city that the realtor chooses to work. Another very important point is to thoroughly analyze the properties you are selling, so that there are no negative surprises in relation to documentation, the state of conservation of the property, etc. “Some [realtors] usually have serious documentation problems or obstacles with the local city hall,” he said.

Tip for novice brokers

Knowing how to listen to the customer is the first big step in this area. Because only then will you be able to help him and he will be able to refer you to more and more people. “It is very important to understand what the client is looking for, so as not to offer the wrong options.” André also said that studying the real estate market a lot is very important for his daily work. Reading a lot, getting informed and trying to be updated on market events is very important. “Nowadays, clients come very prepared to talk to us, as information on the real estate market is distributed everywhere. So it is increasingly necessary to invest in good quality service, so that the customer feels comfortable in the choice they make”.

Self-employed X Company

Working both self-employed and for companies has its pros and cons. On the one hand, working on your own, you will be responsible for all processes. Meanwhile, working for a real estate agency, your work is restricted to just a part of all these purchasing processes and steps. Sale, pass necessary documentation, etc. “When you start to grow in the market, it is almost impossible to work as a self-employed person, in terms of leasing. If the broker works only with sales, he often manages to be self-employed, since he does not require monthly monitoring, for example”, he informed.

Market technologies

As the market changes day by day, it’s obvious that technology would help people. Websites and applications already make life easier for many people who work in brokerage. “With the entry of applications that help to better locate offers, as well as search sites that filter the search for the client, as they contain several photos and information about properties, making it easier to choose them and eliminating unnecessary visits. Real estate signs continue to be a great way to advertise as well.” Fear of technology taking the place of realtors is not something André worries about. For him, technology came to help the way work and not steal the job. “Many properties can be rented online, especially residential ones. We are also adapting frequently, currently, our customers submit registration online and digitally sign contracts. But commercials will always need more assistance from a broker as they depend on various bureaucracies, such as permits, for example.”

Easy properties and difficult to sell properties

The realtor tells us that the most difficult properties to sell are farms, because they always have the joy of buying and the other joy is the sale. Now, the easiest, in general, are the properties with lower values. They tend to attract more customers and have more demand overall.

Comical moments you experienced

A very common moment during a sale process is when a property remains for a long time without anyone interested and when a person appears wanting to close a deal, another customer appears in the same week also interested. “Something very common and curious is for a property to stay a long time to sell or rent and when a very interested customer appears, another one comes in the same week and that situation is difficult to reconcile, as one will end up without the property”.