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



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.


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.



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.


Robot Realtor and Its Rise

Robot real estate is already a reality! These days, investing a lot of money in new alternative technologies and business models to reverse traditional real estate transactions is now too big to ignore.
A few years ago, when a tool that allows you to buy and sell real estate online without talking to a realtor, real estate, developer and builder was announced in the United States, few were surprised by the idea. Nowadays, this robot real estate broker tool is used a lot.

+ 4 habits for realtors to succeed in sales

Tools that also help brokers

Fortunately, there’s also a lot of money being invested in technologies that real estate agents don’t ignore. From CRMs to catboats (a computer program that tries to simulate a human being in conversation with people), brokers have more computing power at their disposal than any industry analyst would have had a decade ago.

In this age of applications, brokerage professionals are armed and ready to fight the buying model made by people who don’t really like the idea of ​​being accompanied by a real estate agent. And to show consumers that while the relationship between broker and buyer is indeed changing, a property license is worth much more than paper that is printed.

How to Adopt Automation without Becoming a Robot Real Estate Broker

In many parts of the world, real estate businesses are affected by a shortage of realtors. Homeowners are staying in properties longer, mortgage rates are rising (twice this year already), and home prices are following suit.
With fewer real estate opportunities, real estate agents are in increasing demand to ensure they market and sell a home without hiccups. After all, listing contracts don’t last very long. Meeting these demands can jeopardize the time that real estate agents commit to buying clients to find new properties.

Tools are working together with brokers

Fortunately, sales automation tools, including Web and Messenger catboats, automated drip campaigns, and even online redirected advertising, can work together to track and cultivate leads, often without any form of manual intervention – even time to sign a contract.
While the machines are doing their part to find leads, brokers can focus on real estate and customer relationships, easing the pressure of balancing the search for new business with maintaining current business.

How to Become a Real Estate Broker

Technology will really change the relationship between brokers and buyers. Just as she managed to create the robot real estate broker, it will transform real estate agents into more service-oriented professionals with a strategic vision. And that’s a good thing, as consumers will see how complicated it can be to apply market data to an actual buying decision, further reinforcing the need for an experienced, trusted advisor.
For example, it’s unreasonable to assume that real estate visits without realtors gain traction as live video tours and augmented reality immerse realtors and buyers in far-away properties, and consumer sites share volumes of data about neighborhoods.

Traditionally, conducting tours with shoppers was largely about acquiring causes. However, there’s no reason the technology can’t determine this, freeing agents to allow buyers to view homes on their own, relay information, and then allow the agent to help them decide how they fit into their searches.

No industry stakeholder is immune to the impact technology is having on the relationship between consumer and broker – it is indeed changing, but by what, no one is quite sure. We know consumers now have real alternatives to the traditional model, even if it takes time to shake off the wrinkles on the buyer platform.

But as market annoyances take at least two years to resolve, software developers and savvy web agents will continue to leverage marketing data, automation platforms and big data to perpetuate the value of a real estate license. The day of the robot real estate broker is not upon us, thankfully. And, by continuing to be a valuable and trusted resource for your customers, agents can keep them at bay a little longer.


Realtor tells all about the brokerage business

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”.


Realtor or Real Estate Consultant: What’s the Difference?

Realtor or real estate consultant

It is very common to hear the terms realtor and real estate consultant when researching or talking about buying, selling, or renting property.

Despite being used synonymously, we are often talking about two different professionals. Both are extremely important in real estate negotiation and can be of great help to anyone who is thinking of buying or selling a property.

But what does each one do and what is the difference between the professions? In this post, we will answer your questions regarding these issues. Good reading!

Understand the role of the realtor

Real estate agent is the professional responsible for performing all procedures related to the real estate transaction. A realtor’s job includes prospecting for properties and potential buyers.

In addition, they carry out the analysis to find out if the property is compatible with what the client wants and even the supplier to assess the value of a property, based on the analysis of the architecture, location and strengths of the space.

We can say that he works strongly in the relationship segment, he plays the role of intermediary in negotiations between the owner of the property and the person interested in buying it. In addition, it also ensures that the deal will be good for everyone.

Another important function of the realtor is to ensure that all property documentation, such as certificates, deeds and contracts, and the client is delivered correctly.

How to sell more real estate in the digital age Bottom of Form

What does a real estate consultant do?

If you want to understand what a real estate consultant does , it is important to know that he is the professional who does an in-depth analysis of the economy, financing types and conditions, and the real estate market globally.

This study enables him to produce estimates of the best conditions and opportunities in the real estate market.

It has a more comprehensive and external view of when to carry out a transaction, based on the scenario presented.

Know the differences between a real estate consultant and a realtor

Something the two have in common is the opportunity to know how to sell real estate , but while the realtor is more connected to the practical part of real estate negotiations, the consultant is the theoretical professional, who researches when and how these negotiations should be carried out.

To exercise the function of real estate broker, it is necessary to be registered with the Creci (Regional Council of Realtors) of the State in which the professional works. As for the role of real estate consultant, the most common training is in the area of ​​Business Administration.

The payment of these professionals is also different. The realtor receives commissions on completed deals, real estate sales or leases , and goals achieved.

To find out how much a real estate consultant earns, it is important to understand that the consultant earns regardless of the result, whether by hour, day or month. Still, these values ​​can be very fluctuating, depending on the research required by the contractor.

Know when to look for a real estate agent or consultant

Now that we know the differences between these two professions, you may be wondering when and which of these professionals you should go to to get your needs met.

The realtor can help you, with the paperwork, documentation, property visits, architectural assessment and property condition check, to decide which property option is best for you .

He can also help you to mediate between the parties involved in buying or selling the property.

And the real estate consultant, what does he do? It can be said that this is a professional that can be sought before the effective negotiation of a property, that is, before the broker works.

Because what a real estate business consultant does is to advise you on when and what are the best conditions to sell or buy the property, in addition to being able to produce medium and long-term estimates on the real estate market.

In addition, this professional can tell you whether or not it is the best time to buy or sell a property and can also advise on real estate financing.

If you still want to better understand what a real estate consultant does, think that he is the professional who will have an overview of the real estate universe, because he needs to develop research that qualifies him to provide business strategies for the best scenario, it can even give tips for realtor .

Although consulting in the sector is a reasonably new profession, precisely because of its theoretical knowledge and deeper analysis of the segment, the real estate consultant has been much sought after by real estate companies, realtors and investors, to assess the real estate universe in a more technical way.


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!


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.


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.


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.


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 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.


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.


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.


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.


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

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 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!