Question 1

How do I register to sell or rent a property?

Accepted Answer

Click here to fill in your property information.If you prefer, contact us:

WhatsApp: (48) 9617-8500 
Email: contato@vivefloripa.com.br

Question 2

How much does it cost to advertise my property for sale on Vive Floripa?

Accepted Answer

Advertising your property for sale in Vive Floripa is totally free.
The only charge on the sale is the commission from 6% about the sale price.
For the purchase of a property, no fee is charged directly by Vive Floripa.

Question 3

How much does it cost to advertise my rental property on Vive Floripa?

Accepted Answer

Advertising your property for rent in Vive Floripa is totally free.

For annual rental, a commission will be charged corresponding to the value of one (1) full rental and is intended to remunerate the services provided by Vive Floripa and by the associated broker and/or consultant (from visits, to the elaboration of the contract and entrance inspection) so that the lease of your property was carried out with all comfort, safety and practicality. This commission is charged once at the beginning of the lease. The administration fee is a percentage of the rent charged every month.

For seasonal rentals, the value will be negotiated depending on the property, the area and the owner's interest.

Question 4

What documents are needed to buy a property?

Accepted Answer

The documents required are:
In the purchase process, the documents required are:

I. Identity document containing the CPF;II. Civil Status Certificate (for single people, it will be the Birth Certificate, if married after 1977, the Marriage Certificate and the Public Deed of Antenuptial Agreement);III. Current Address Proof;

If you use the FGTS for purchase, you will still need:

I. Certified copies of the pages of the Work Card in which the identification of the worker and the hiring of the employee are included;II. FGTS account statement for the last two years;III. Proof of residence from 1 year ago;IV. Authorization to move a linked account with the FGTS and declaration of authorization allowing the use of the Fund. If the financing is through the Housing Finance System (SFH), you must present the declaration that it is the first purchase of residential property.

Question 5

What documents are required to sell a property?

Accepted Answer

To sell a property we will need the following personal documents:

I. Identity document containing the CPF;
II. Civil Status Certificate (for single people, it will be the Birth Certificate, if married after 1977, the Marriage Certificate and the Public Deed of Antenuptial Agreement);III. Updated Proof of Address, less than 30 days old;
IV. Registration Number and Registry Number of the property.

These documents are important as they prove the seller's marital status and the regularity of the property.However, the Financial Institution (in the case of a financed purchase) or the Notary's Office in your region (in the case of a cash purchase and sale) may request other documents during the process.
Regarding the property, you will also need:

I. Declaration of discharge of condominium debts, signed by the trustee, in case the property is an apartment;II. Minutes of election of the trustee;
III. IPTU cover with taxpayer code, if not on the registration.
 If the seller owns a company in his name or even has participation as a partner, it will also be necessary to present:
I. CNPJ Card;
II. Copy of the Bylaws or Articles of Association;
III. Papers with contractual or statutory changes;
IV. Letter with the date of the last modification of the statute or the business contract.

Question 6

Will I finance what I have to do?

Accepted Answer

The first step in a financed purchase is to seek credit approval from the bank of your choice. You must add the down payment and down payment to the bank credit, which can be deducted with your FGTS funds.
In addition to the property values, it is important to highlight the steps of financing:

Documentation: all banks ask for some documents to proceed with the contracting of real estate financing, both for the buyer and the seller, and also for the property.
These documents will be used in the legal analysis carried out by the financial institution and, later, to transfer ownership of the property to the new buyer.

Evaluation of the property: the bank evaluates the conditions of the property to check if it can be financed. This assessment is carried out by specialized engineering companies, with an expert report.
Request for a balance from the Intervening Settler: when the property is already financed, it is possible to transfer the financing to another institution. In this case, the current bank requests the debit balance from the previous bank.

Amounts Confirmation: The specialist responsible for the process will carry out a verification of values and financing data together with you, based on the draft issued by the bank, thus preventing the contract from being formalized with incorrect information.

Signing and registration of the contract: after analyzing the documentation, the bank issues a financing contract to be signed by the buyer and the seller. In this step, the ITBI payment slip is issued. ITBI is the Real Estate Transfer Tax charged by the City Hall of the city where the property is located and must be paid by the Buyer within the deadline informed by the City Hall. Late payment generates fines and charges. After the signatures, it is necessary to take this contract to the Real Estate Registry Office responsible for the region of the property. We intermediate the logistics for signing the contracts and sending them to the Notary.
 
Important: the buyer can contract two financings at the same time, as long as their financial capacity is proven. But, in this situation, it is not possible to use the FGTS when acquiring the second property.
 
If you are already interested in a property here, we have specialists and partners who will help you in all stages of the process, from credit approval to registration at the notary.

Question 7

Which property documents are initially verified?

Accepted Answer

We only check the registration of the property.
With this verification, it is possible to obtain information such as the location of the property, footage, current owners, transmissions, origin of the purchase and sale through a private instrument or public deed, improvements, observations, annotations and other information that may be contained in the document .

Question 8

What is a property registration?

Accepted Answer

The registration of the property is a type of legal identification, different from the deed of purchase and sale, which is a document of transfer of ownership of the property. It's like the birth certificate of the property, which describes location, size, etc., and records all transactions and occurrences involving that particular property.
One of its purposes is to certify ownership of that property. It is the document that proves that a person owns the property specified therein.
In the buying and selling process, the registration is a very important document to formalize the transfer of ownership between seller and buyer.
It is important to note that most properties must have this document, which is filed with the competent Property Registry, which is determined by the location of the property. It is this registry office that will be responsible for the records and annotations contained in the enrollment. This document must be updated for the sale process to occur normally.

Attention: there are some older properties that do not have a registration but a transcript. The transcript is valid, however, the need to open the registration may arise.
When a person buys a property, it is necessary to have a registry at the registry office, with an updated registration.

Question 9

Can I sell my property while renting?

Accepted Answer

Yes, you can! In this case, your property may be rented with a real estate agency.
According to the Tenancy Act, the tenant has a preemptive right to purchase. If he is not interested or does not respond, you can proceed with the sale to a third party. 
From the moment of notification, visits can take place, as long as they have been previously arranged with the current tenant.

Question 10

Can I put my property for sale and for rent at the same time?

Accepted Answer

Yes, you can. In this case, the property will receive visits and offers for rent and sale.
If you rent your property, the sale announcement will remain active, but it will be important to inform the tenant about the preemptive right to purchase, according to the Tenancy Law.

Question 11

I haven't finished paying my property yet. can i sell?

Accepted Answer

Yes! If the person who is going to buy the property decides to finance it, the amount you owe will be paid and you will receive only the remaining. But if the interested person decides to buy in cash, you will need to pay off your financing and ask your bank for the Discharge Term of the contract. After that, the property can already be transferred to the name of the person who made the purchase.

Question 12

I want to pay cash. How it works?

Accepted Answer

The spot process is simpler and faster, as it does not involve financial institutions.After the negotiation and signing of the Purchase and Sale Commitment, we will help you to gather all the necessary documentation to prove the situation of the property and the seller.

With all the documentation approved, the process will be sent to a Notary's Office for the preparation of the Public Deed of Purchase and Sale. This document, signed by the buyer and seller, will be the formalization of the real estate transaction.
After that, the Deed will be taken for registration at the Real Estate Registry, where the property registration will be updated with the transaction data and the new seller.

Question 13

Can I negotiate directly with the owner?

Accepted Answer

No. Vive Floripa will be the mediator of the transaction and will accompany the entire process until the transfer of ownership of the property.

Question 14

How does the purchase evaluation work?

Accepted Answer

The purchase evaluation is based on the documents shared by the seller and the information contained in the certificates and in the consultations carried out, which will indicate the security or possible risks of the business and will be classified into three different risk levels, namely: low risk, moderate risk and high risk.

For the adequacy of each risk, the following criteria were used:

Low Risk: considering the documentary scope analyzed, these are situations in which (i) no pending issues or irregularities to be remedied were identified (report without notes) or (ii) notes were identified that do not represent, together, voluminous debts , which can be remedied before the conclusion of the deal and, in this way, do not appear to impede its follow-up.

Moderate risk: considering the documentary scope analyzed, these are the notes (which may or may not be objective) in which pending issues or irregularities were identified that there is, in principle, no probability that the owner and his company will become insolvent because of the limited value involved in the notes in question.

High risk: considering the documentary scope analyzed, there are objective notes in which pending issues or irregularities were identified that are equivalent to a considerable fraction of the value of the property and there is a greater probability of threat to the full exercise of possession or property by the owner.

High risk with impossibility of overcoming or mitigating: refers to the appointment or set of notes involving the property, the owner or his company, which represent a considerable fraction of the value of the property and there are, at this moment, strong indications of that the full exercise of possession or ownership of the property will be contested. In other words, pending issues or irregularities are found that indicate that the property is about to be affected or there are irregularities that cannot be resolved by the seller in a reasonable time for the completion of the purchase and sale process.

Question 15

Is it necessary to register a property in the Income Tax?

Accepted Answer

Some details of the property must be informed in the 2021 Income Tax (IR) declaration, including the registration of the acquisition in Property Registration. For more information, it is important that you contact an accountant responsible for your IR.

Question 16

What are registry fees?

Accepted Answer

Notary fees, also called fees, are fees charged for the cost of services provided by notaries. The Legislative Assembly of each State defines the values of the fees, which are calculated on the value of the transaction. It is worth remembering that the values are readjusted annually.

The Notary will issue the costs and send the payment details (slip or bank details, depending on the notary). To update the registration with the registration of the purchase and sale, the land registry offices charge the approximate amount of 2% of the transaction value. Remembering that this value varies by state.

Those who are making their first purchase through the Housing Finance System (SFH) are entitled to a discount of up to 50% on the value of the costs, if they present the signed declaration of first purchase.

FAQ