So that your dream does not turn into a nightmare, it is important to pay attention to several details.
Summary
Buying your own house is the biggest dream of Brazilians and research shows an increase in investments. Financial planning and purchase agreements are important to make this dream come true.
Having your own home is still the biggest dream of Brazilians. The seventh edition of Brazil Investor property.
But to realize the dream of owning an apartment in 2025, you need to pay attention to some details. According to the Brazilian Association of Financial Education Professionals (Abefin), it is necessary to know your financial situation to be able to define how much you can afford in installments and also to outline all the expenses necessary to live in the new property.
In addition to analyzing these issues, it is necessary to choose the most interesting purchase method, visit the available options, check the documentation, pay attention to the signing of the contract and set aside an emergency reserve for possible unforeseen events.
The methods available for acquisition range from the most traditional, such as purchase through real estate agents and direct negotiation with the owner, to the most innovative, such as real estate auctions, considered the cheapest method.
Between the properties at auction There are houses, apartments, farms, land, among others. According to JusBrasil estimates, prices are generally 50% or more lower than the market average. Residential units are located in different regions of the country.
Know your purchasing power
Buying an apartment is an important decision and, therefore, must be accompanied by good financial planning. Serasa defines the concept as the habit of properly estimating and controlling personal finances, being an ongoing process to ensure the health of one’s portfolio.
Abefin explains that, through financial planning, it is possible to evaluate your purchasing power, knowing the amount available to invest in the down payment, in installments or in a cash purchase.
By analyzing purchasing power, it is easier to choose from the options available in the real estate market and ensure that purchasing the property is a decision that does not harm the family’s financial health.
Carry out cost mapping
Before choosing the apartment it is important to quantify the costs. In addition to the value of the property, you need to pay attention to expenses such as property tax, water, electricity, gas and other expenses. Mapping allows you to filter apartments compatible with the family’s lifestyle.
As Abefin points out, it is essential to also analyze the cost of living in the region where the property is located. Depending on your location, fees may be higher or lower.
Choose the most attractive mode
The real estate market offers different purchase options, and it is necessary to evaluate each of them to identify the most attractive one, depending on the family’s resources and interests.
According to the JusBrasil company, real estate auctions are a way to acquire properties at cheaper prices. They are done in person and remotely.
In both cases, conducting targeted searches on the Internet can help you find them. Those looking for apartments in the capital Fortaleza, for example, can search on Google for “real estate auction in Ceará”. Information on the number of rooms, payment methods, address and other aspects of the properties is available in the notices.
It is also important to evaluate the lines of credit for financing. According to Abefin, those who intend to finance the apartment must inform themselves about the interest rates charged by financial institutions, which vary from 2.9% to almost 10%.
Tour properties to avoid frustration
After analyzing all the financial issues, it’s time to look for the apartment. Before starting the search, the buyer should define criteria such as number of rooms, square footage, leisure options in the condo, attractions in the region and other information of interest.
Once these aspects are defined it is easier to filter the apartments among the available options. It is recommended to visit the property before signing the contract to avoid frustration.
Tax and virtual visits allow you to check every detail of the apartment and make sure that the purchase will satisfy your tastes and needs. During this time, the buyer should ask questions and photograph the property to review later when making a decision.
Pay attention to the documents and the contract
One of the fundamental aspects of purchasing a property is documentation. The purchasing process involves a series of personal data, such as identity card, CPF, birth or marriage certificate, proof of income and residence, negative financial protest certificates, employment card, among others. To avoid problems, the advice is to prepare in advance by separating all documents.
Another important aspect is reading the apartment purchase contract. The buyer must pay attention to the clauses on payment terms, the date of delivery of the keys and other clauses, ensuring that he understands all points.
To feel more at ease, one option is to enlist the help of a real estate professional or real estate agent to clarify issues related to the contract.
Have an emergency fund
To buy an apartment it is important to also have an emergency fund. According to Abefin this type of fund constitutes a financial guarantee to deal with unexpected financial events.
After purchasing the property, the owner may be faced with the need to incur additional expenses with renovations and moves, so as not to be overwhelmed, the emergency fund can help in these moments.
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Source: Terra
Rose James is a Gossipify movie and series reviewer known for her in-depth analysis and unique perspective on the latest releases. With a background in film studies, she provides engaging and informative reviews, and keeps readers up to date with industry trends and emerging talents.
