{"id":12093,"date":"2026-04-29T10:00:20","date_gmt":"2026-04-29T13:00:20","guid":{"rendered":"https:\/\/www.agenteimovel.com.br\/noticias\/?p=12093"},"modified":"2026-04-29T21:04:58","modified_gmt":"2026-04-30T00:04:58","slug":"documentos-para-comprar-imovel-na-planta-2026","status":"publish","type":"post","link":"https:\/\/larya.com.br\/blog\/documentos-para-comprar-imovel-na-planta-2026\/","title":{"rendered":"Documentos para Comprar Im\u00f3vel na Planta: Guia 2026"},"content":{"rendered":"<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Article\",\n  \"headline\": \"Documenta\u00e7\u00e3o para Comprar Im\u00f3vel na Planta 2026 \u2014 Checklist Completo + Prote\u00e7\u00e3o Jur\u00eddica\",\n  \"description\": \"Guia completo dos documentos necess\u00e1rios para comprar im\u00f3vel na planta em 2026. Checklist de documenta\u00e7\u00e3o do comprador, construtora, Memorial de Incorpora\u00e7\u00e3o, INCC, repasse e custos extras.\",\n  \"author\": { \"@type\": \"Organization\", \"name\": \"LARYA Cr\u00e9dito Imobili\u00e1rio\" },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"LARYA\",\n    \"logo\": { \"@type\": \"ImageObject\", \"url\": \"https:\/\/larya.com.br\/logo.png\" }\n  },\n  \"datePublished\": \"2026-01-21\",\n  \"dateModified\": \"2026-04-29\",\n  \"aggregateRating\": {\n    \"@type\": \"AggregateRating\",\n    \"ratingValue\": \"4.9\",\n    \"reviewCount\": \"287\",\n    \"bestRating\": \"5\"\n  }\n}\n<\/script><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"HowTo\",\n  \"name\": \"Como comprar im\u00f3vel na planta com seguran\u00e7a jur\u00eddica em 2026\",\n  \"description\": \"Passo a passo completo para reunir documenta\u00e7\u00e3o e garantir prote\u00e7\u00e3o legal na compra de im\u00f3vel na planta\",\n  \"totalTime\": \"P90D\",\n  \"step\": [\n    {\n      \"@type\": \"HowToStep\",\n      \"position\": 1,\n      \"name\": \"Re\u00fana seus documentos pessoais\",\n      \"text\": \"RG, CPF, certid\u00e3o de estado civil, comprovante de resid\u00eancia, 3 \u00faltimos holerites (CLT) ou Decore + extratos banc\u00e1rios (aut\u00f4nomos), e declara\u00e7\u00e3o completa do IRPF do \u00faltimo exerc\u00edcio. Se casado, ambos os c\u00f4njuges devem apresentar documenta\u00e7\u00e3o completa.\"\n    },\n    {\n      \"@type\": \"HowToStep\",\n      \"position\": 2,\n      \"name\": \"Investigue a construtora\/incorporadora\",\n      \"text\": \"Exija CND do INSS, Certid\u00e3o de Tributos Federais, Certid\u00f5es de Feitos C\u00edveis e Trabalhistas, Certid\u00e3o Negativa de Protestos e Contrato Social. Nunca assine antes de verificar se a empresa est\u00e1 com contas em dia e sem processos judiciais graves.\"\n    },\n    {\n      \"@type\": \"HowToStep\",\n      \"position\": 3,\n      \"name\": \"Verifique o Memorial de Incorpora\u00e7\u00e3o registrado\",\n      \"text\": \"Exija o n\u00famero do registro (n\u00e3o apenas protocolo) no Cart\u00f3rio de Registro de Im\u00f3veis. Confira matr\u00edcula do terreno livre de hipotecas, projeto aprovado pela prefeitura, memorial descritivo t\u00e9cnico, quadro de \u00e1reas e minuta da conven\u00e7\u00e3o de condom\u00ednio. Sem registro v\u00e1lido, n\u00e3o compre.\"\n    },\n    {\n      \"@type\": \"HowToStep\",\n      \"position\": 4,\n      \"name\": \"Prepare-se para o repasse (financiamento banc\u00e1rio)\",\n      \"text\": \"Durante a obra voc\u00ea paga 20-30% do im\u00f3vel. Na entrega das chaves voc\u00ea financia os 70-80% restantes. Mantenha score de cr\u00e9dito limpo durante toda a constru\u00e7\u00e3o e atualize documenta\u00e7\u00e3o de renda 3 meses antes do Habite-se para garantir aprova\u00e7\u00e3o do financiamento.\"\n    }\n  ]\n}\n<\/script><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"O que \u00e9 o Memorial de Incorpora\u00e7\u00e3o e por que ele \u00e9 importante?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"O Memorial de Incorpora\u00e7\u00e3o \u00e9 o documento jur\u00eddico que registra formalmente a exist\u00eancia do empreendimento no Cart\u00f3rio de Registro de Im\u00f3veis. Pela Lei 4.591\/64, nenhuma unidade pode ser vendida sem ele. Exija o n\u00famero do registro (n\u00e3o apenas o protocolo) e verifique se cont\u00e9m: matr\u00edcula do terreno livre de gravames, projeto aprovado pela prefeitura, memorial descritivo t\u00e9cnico e minuta da conven\u00e7\u00e3o de condom\u00ednio.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"O que \u00e9 INCC e como ele afeta meu financiamento?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"INCC (\u00cdndice Nacional de Custo da Constru\u00e7\u00e3o) \u00e9 a corre\u00e7\u00e3o monet\u00e1ria aplicada mensalmente ao saldo devedor durante a obra. N\u00e3o s\u00e3o juros, mas corre\u00e7\u00e3o para acompanhar a infla\u00e7\u00e3o dos custos de materiais e m\u00e3o de obra. O valor corrigido pelo INCC ser\u00e1 a base para o financiamento banc\u00e1rio (repasse) no momento da entrega das chaves.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Qual a diferen\u00e7a entre Patrim\u00f4nio de Afeta\u00e7\u00e3o e incorpora\u00e7\u00e3o normal?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Patrim\u00f4nio de Afeta\u00e7\u00e3o \u00e9 um regime jur\u00eddico que separa o dinheiro da sua obra das outras contas da construtora. Se a construtora falir ou tiver problemas em outros empreendimentos, o seu dinheiro est\u00e1 blindado e a obra pode ser conclu\u00edda por outra empresa. Desde 2026 tornou-se regra de mercado \u2014 sempre verifique se o documento da obra cita este regime.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Posso usar FGTS na compra de im\u00f3vel na planta?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Sim. O FGTS normalmente \u00e9 usado no momento da entrega das chaves para abater o saldo devedor do financiamento banc\u00e1rio (repasse). Voc\u00ea precisar\u00e1 do extrato anal\u00edtico da conta vinculada, c\u00f3pia da CTPS e declara\u00e7\u00e3o de que \u00e9 seu primeiro im\u00f3vel financiado pelo SFH na regi\u00e3o.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quanto preciso reservar para os custos de fechamento al\u00e9m do valor do im\u00f3vel?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Reserve cerca de 4% a 5% do valor do im\u00f3vel para custos cartor\u00e1rios e impostos: ITBI (2% a 3% dependendo da cidade), Registro de Im\u00f3veis, e Taxa de Avalia\u00e7\u00e3o do banco. Em um im\u00f3vel de R$500 mil, isso representa R$20 mil a R$25 mil extras al\u00e9m da entrada e parcelas mensais.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n<style>\n@media (max-width: 600px) {<br \/>\n  table { font-size: 0.82em; }<br \/>\n  h2 { font-size: 1.35rem !important; }<br \/>\n  h3 { font-size: 1.1rem !important; }<br \/>\n  div[style*=\"grid-template-columns\"] { grid-template-columns: 1fr !important; }<br \/>\n  a[style*=\"padding: 20px 50px\"] { padding: 15px 20px !important; font-size: 0.95rem !important; }<br \/>\n  iframe { max-width: 100% !important; }<br \/>\n  .market-update-2026 { padding: 20px !important; }<br \/>\n}<br \/>\n<\/style>\n<p style=\"font-size: 0.9em; color: #777777; text-align: left;\">Atualizado em: 29\/04\/2026 | Leitura estimada: 12 min<\/p>\n<p style=\"text-align: left;\">Em abril de 2026, a LARYA Go Casa analisou mais de <strong>1.000 processos<\/strong> de compra de im\u00f3veis na planta. O resultado foi alarmante: <strong>73% dos compradores chegaram sem ter consultado um especialista jur\u00eddico<\/strong> antes de assinar o contrato com a construtora. Pior: <strong>1 em cada 4 empreendimentos apresentava irregularidades documentais<\/strong> que poderiam ter sido detectadas antes \u2014 memorial de incorpora\u00e7\u00e3o sem registro v\u00e1lido, construtoras com certid\u00f5es positivas, patrim\u00f4nio de afeta\u00e7\u00e3o n\u00e3o constitu\u00eddo.<\/p>\n<p style=\"text-align: left;\">Decidir <strong>comprar im\u00f3vel na planta<\/strong> \u00e9 um dos maiores investimentos da vida. Voc\u00ea est\u00e1 comprando uma promessa de entrega futura. Entre a assinatura do contrato e a entrega das chaves, existe um caminho burocr\u00e1tico que exige aten\u00e7\u00e3o redobrada \u2014 e prote\u00e7\u00e3o jur\u00eddica especializada.<\/p>\n<span class=\"inbound-social-share-bar-container\"><a class=\"mt-facebook mt-share-inline-bar-sm\" style=\"float: left;\" href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/larya.com.br\/blog\/documentos-para-comprar-imovel-na-planta-2026\/\"><img decoding=\"async\" src=\"https:\/\/larya.com.br\/blog\/wp-content\/plugins\/cta\/shared\/shortcodes\/images\/facebook@2x.png\"><\/a><a class=\"mt-twitter mt-share-inline-bar-sm\" style=\"float: left;\" href=\"http:\/\/twitter.com\/intent\/tweet?text=Documentos para Comprar Im\u00f3vel na Planta: Guia 2026&amp;url=https:\/\/larya.com.br\/blog\/documentos-para-comprar-imovel-na-planta-2026\/\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/larya.com.br\/blog\/wp-content\/plugins\/cta\/shared\/shortcodes\/images\/twitter@2x.png\"><\/a><a class=\"mt-google mt-share-inline-bar-sm\" style=\"float: left;\" href=\"https:\/\/plus.google.com\/share?url=https:\/\/larya.com.br\/blog\/documentos-para-comprar-imovel-na-planta-2026\/\"><img decoding=\"async\" src=\"https:\/\/larya.com.br\/blog\/wp-content\/plugins\/cta\/shared\/shortcodes\/images\/google@2x.png\"><\/a><a class=\"mt-linkedin mt-share-inline-bar-sm\" style=\"float: left;\" href=\"http:\/\/www.linkedin.com\/shareArticle?mini=true&amp;url=https:\/\/larya.com.br\/blog\/documentos-para-comprar-imovel-na-planta-2026\/&amp;summary=Documentos para Comprar Im\u00f3vel na Planta: Guia 2026\"><img decoding=\"async\" src=\"https:\/\/larya.com.br\/blog\/wp-content\/plugins\/cta\/shared\/shortcodes\/images\/linkedin@2x.png\"><\/a><a class=\"mt-pinterest mt-share-inline-bar-sm\" style=\"float: left;\" href=\"http:\/\/www.pinterest.com\/pin\/create\/button\/?url=https:\/\/larya.com.br\/blog\/documentos-para-comprar-imovel-na-planta-2026\/&amp;media=&amp;guid=1234&amp;description=Documentos para Comprar Im\u00f3vel na Planta: Guia 2026\"><img decoding=\"async\" src=\"https:\/\/larya.com.br\/blog\/wp-content\/plugins\/cta\/shared\/shortcodes\/images\/pinterest@2x.png\"><\/a><\/span><style type=\"text\/css\">a.mt-share-inline-bar-sm img {\r\n\t\t\twidth: 34px;\r\n\t\t\theight: auto;\r\n\t\t\tborder: 0px;\r\n\t\t\t}\r\n\t\t\t.inbound-social-share-bar-container {\r\n\t\t\tdisplay: inline-block;\r\n\t\t\t}\r\n\t\t\t.inbound-social-share-header {\r\n\t\t\tvertical-align: middle;\r\n\t\t\t}\r\n\t\t\ta.mt-share-inline-bar-sm:hover {\r\n\t\t\tz-index: 50;\r\n\t\t\t-webkit-transform: scale3d(1.075, 1.075, 1.075);\r\n\t\t\t}\r\n\t\t\ta.mt-share-inline-bar-sm {\r\n\t\t\tdisplay: inline-block;\r\n\t\t\twidth: 64px;\r\n\t\t\theight: 32px;\r\n\t\t\tborder-top-left-radius: 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2px;\r\n\t\t\tborder-top-right-radius: 2px;\r\n\t\t\tborder-bottom-right-radius: 2px;\r\n\t\t\tborder-bottom-left-radius: 2px;\r\n\t\t\tmargin-right: 4px;\r\n\t\t\ttext-align: center;\r\n\t\t\tbackground-color: rgb(51, 51, 51);\r\n\t\t\ttransition: background-color 300ms ease-in;\r\n\t\t\t-webkit-transition: background-color 300ms ease-in;\r\n\t\t\t}<\/style>\n<div style=\"background-color: #e3f2fd; padding: 25px; border-radius: 12px; margin: 35px 0; border-left: 5px solid #2196f3;\">\n<h3 style=\"margin-top: 0; color: #0d47a1;\">&#x1f6e1;&#xfe0f; Quer comprar na planta com seguran\u00e7a total?<\/h3>\n<p style=\"color: #333; margin-bottom: 15px;\">A LARYA Go Casa analisa toda a documenta\u00e7\u00e3o jur\u00eddica da construtora, do empreendimento e do contrato <strong>antes<\/strong> de voc\u00ea assinar \u2014 sem custo adicional para o comprador.<\/p>\n<p style=\"text-align: center; margin-bottom: 0;\"><a style=\"display: inline-block; background-color: #0d47a1; color: #ffffff; padding: 16px 40px; text-decoration: none; border-radius: 50px; font-weight: bold; font-family: 'Montserrat', sans-serif;\" href=\"https:\/\/larya.com.br\/go-casa\"><strong>Ter Assessoria Jur\u00eddica Especializada \u2192<\/strong><\/a><\/p>\n<\/div>\n<p><span style=\"font-size: 10pt;\">Clique para ouvir o artigo completo:<\/span><\/p>\n<div style=\"background-color: #fff3cd; border-left: 5px solid #ffc107; padding: 20px; margin: 30px 0; border-radius: 0 8px 8px 0;\"><strong>&#x1f4ca; Dado LARYA Q1\/2026:<\/strong> Entre os mais de <strong>1.000 processos<\/strong> iniciados pela LARYA no primeiro quadrimestre de 2026, o valor m\u00e9dio dos im\u00f3veis na planta ficou em torno de <b>R$ 480.000<\/b>. Nos casos em que o comprador buscou assessoria antes da assinatura do contrato, <strong>100% das irregularidades foram resolvidas<\/strong> antes de qualquer comprometimento financeiro.<\/div>\n<h2 style=\"text-align: left; color: #041f30; font-weight: 800;\">Checklist: Documentos para Comprar Im\u00f3vel na Planta<\/h2>\n<p style=\"text-align: left;\">A burocracia imobili\u00e1ria existe para proteger as partes. Para facilitar sua organiza\u00e7\u00e3o, dividimos a lista de <strong>documentos para comprar im\u00f3vel<\/strong> em tr\u00eas pilares fundamentais: o comprador, a construtora e a obra.<\/p>\n<h3 style=\"text-align: left; color: #041f30; font-weight: bold;\">1. Documentos do Comprador (Pessoa F\u00edsica)<\/h3>\n<p style=\"text-align: left;\">Esta \u00e9 a etapa de an\u00e1lise de cr\u00e9dito inicial. Se voc\u00ea vai <strong>comprar im\u00f3vel<\/strong> com seu c\u00f4njuge, ambos devem apresentar a pasta completa (exceto comprovante de resid\u00eancia, se morarem juntos).<\/p>\n<ul>\n<li><strong>Identifica\u00e7\u00e3o:<\/strong> C\u00f3pia do RG e CPF ou CNH digital v\u00e1lida.<\/li>\n<li><strong>Estado Civil:<\/strong> Certid\u00e3o de nascimento (se solteiro) ou Certid\u00e3o de casamento (se casado). <em>Aten\u00e7\u00e3o: Se houver pacto antenupcial, ele deve ser apresentado. Divorciados precisam da certid\u00e3o com averba\u00e7\u00e3o do div\u00f3rcio.<\/em><\/li>\n<li><strong>Resid\u00eancia:<\/strong> Comprovante de endere\u00e7o atualizado (m\u00e1ximo 3 meses). Contas de consumo (luz, \u00e1gua) s\u00e3o as mais aceitas.<\/li>\n<li><strong>Comprova\u00e7\u00e3o de Renda (CLT):<\/strong> 3 \u00faltimos holerites e Carteira de Trabalho (p\u00e1ginas de identifica\u00e7\u00e3o, contrato e atualiza\u00e7\u00f5es).<\/li>\n<li><strong>Comprova\u00e7\u00e3o de Renda (Aut\u00f4nomo\/Empres\u00e1rio):<\/strong> Pr\u00f3-labore, Decore emitido por contador ou Extratos Banc\u00e1rios dos \u00faltimos 6 meses (dependendo da pol\u00edtica do banco).<\/li>\n<li><strong>Imposto de Renda:<\/strong> Declara\u00e7\u00e3o completa do IRPF do \u00faltimo exerc\u00edcio com o recibo de entrega.<\/li>\n<\/ul>\n<h3 style=\"text-align: left; color: #041f30; font-weight: bold;\">2. Documentos da Construtora e Incorporadora<\/h3>\n<p style=\"text-align: left;\">Antes de assinar qualquer papel e se comprometer com parcelas, voc\u00ea deve investigar a sa\u00fade financeira de quem vai construir seu sonho. <strong>Exija e verifique:<\/strong><\/p>\n<ul>\n<li><strong>Certid\u00e3o Negativa de D\u00e9bitos (CND) do INSS:<\/strong> Garante que a empresa paga seus funcion\u00e1rios e encargos.<\/li>\n<li><strong>Certid\u00e3o de Tributos Federais e D\u00edvida Ativa da Uni\u00e3o:<\/strong> Dispon\u00edvel no site da <a href=\"https:\/\/www.gov.br\/receitafederal\/pt-br\" target=\"_blank\" rel=\"noopener\">Receita Federal<\/a>.<\/li>\n<li><strong>Certid\u00f5es de Feitos C\u00edveis e Trabalhistas:<\/strong> Verifique se a construtora n\u00e3o est\u00e1 atolada em processos judiciais que possam bloquear as contas da empresa e paralisar a obra.<\/li>\n<li><strong>Certid\u00e3o Negativa de Protestos:<\/strong> Fundamental para saber se a empresa honra seus pagamentos com fornecedores.<\/li>\n<li><strong>Contrato Social:<\/strong> Para verificar quem s\u00e3o os s\u00f3cios e se eles t\u00eam poder para assinar a venda.<\/li>\n<\/ul>\n<div style=\"background-color: #ffebee; border-left: 5px solid #c62828; padding: 20px; margin: 20px 0; border-radius: 0 8px 8px 0;\"><strong style=\"color: #a32d2d;\">&#x26a0;&#xfe0f; Alerta LARYA \u2014 O Erro Fatal de 2026:<\/strong><\/p>\n<p style=\"margin-top: 8px; margin-bottom: 0;\">Dos empreendimentos com irregularidades identificados pela LARYA em Q1\/2026, <strong>60% apresentavam certid\u00f5es positivas<\/strong> da construtora que o comprador n\u00e3o havia solicitado antes de assinar o contrato particular. Processos trabalhistas e d\u00edvidas tribut\u00e1rias podem resultar em bloqueio judicial da obra \u2014 e voc\u00ea perde tudo.<\/p>\n<\/div>\n<p><!-- CTA 1 --><\/p>\n<div style=\"width: 100%; text-align: center; margin: 35px 0;\">\n<p style=\"color: #555; font-size: 1rem; margin-bottom: 15px;\">N\u00e3o assine nada antes de verificar a idoneidade da construtora:<\/p>\n<p><a style=\"display: inline-block; background-color: #fe1637; color: #ffffff; padding: 16px 45px; text-decoration: none; border-radius: 50px; font-weight: 800; font-size: 1.05rem; box-shadow: 0 4px 15px rgba(254,22,55,0.4);\" href=\"https:\/\/larya.com.br\/go-casa\"><strong>Verificar Construtora com a LARYA \u2192<\/strong><\/a><\/p>\n<p style=\"font-size: 0.82rem; color: #888; margin-top: 10px;\">An\u00e1lise jur\u00eddica sem custo para o comprador.<\/p>\n<\/div>\n<h3 style=\"text-align: left; color: #041f30; font-weight: bold;\">3. Documentos Jur\u00eddicos da Obra (Memorial de Incorpora\u00e7\u00e3o)<\/h3>\n<p style=\"text-align: left;\">Este \u00e9 o cora\u00e7\u00e3o jur\u00eddico do empreendimento. Pela Lei 4.591\/64, nenhuma unidade pode ser vendida sem o registro do <strong>Memorial de Incorpora\u00e7\u00e3o<\/strong> no Cart\u00f3rio de Registro de Im\u00f3veis (RGI).<\/p>\n<p style=\"text-align: left;\"><strong>N\u00e3o aceite apenas o n\u00famero do protocolo. Exija o n\u00famero do registro.<\/strong><\/p>\n<p style=\"text-align: left;\">O memorial deve conter:<\/p>\n<ul>\n<li><strong>Matr\u00edcula do Terreno:<\/strong> Prova que o terreno pertence \u00e0 incorporadora e est\u00e1 livre de hipotecas anteriores que impe\u00e7am a constru\u00e7\u00e3o.<\/li>\n<li><strong>Projeto Aprovado:<\/strong> O carimbo da prefeitura garantindo que o pr\u00e9dio respeita o zoneamento urbano.<\/li>\n<li><strong>Memorial Descritivo:<\/strong> A lista t\u00e9cnica de tudo que ser\u00e1 entregue (marca dos elevadores, tipo de piso, lou\u00e7as, metais, acabamento da fachada). \u00c9 sua garantia contra a entrega de materiais inferiores.<\/li>\n<li><strong>Quadro de \u00c1reas (NB 12.721):<\/strong> Define exatamente o que \u00e9 \u00e1rea privativa (seu apartamento) e o que \u00e9 \u00e1rea comum.<\/li>\n<li><strong>Minuta da Conven\u00e7\u00e3o de Condom\u00ednio:<\/strong> As regras futuras do pr\u00e9dio.<\/li>\n<\/ul>\n<div class=\"market-update-2026\" style=\"background-color: #f0f7ff; border-radius: 12px; padding: 30px; margin-top: 50px; border-left: 6px solid #0056b3; box-shadow: 0 4px 12px rgba(0,0,0,0.05);\">\n<h3 style=\"color: #0056b3; margin-top: 0px; font-size: 1.5rem; text-align: left;\"><span style=\"color: #000000;\">&#x1f4f0; Plant\u00e3o Imobili\u00e1rio: O que muda em 2026?<\/span><\/h3>\n<p style=\"font-size: 1.1rem; line-height: 1.6;\">O mercado de lan\u00e7amentos est\u00e1 cada vez mais digital e seguro. Veja as tend\u00eancias que impactam a documenta\u00e7\u00e3o:<\/p>\n<div style=\"background: white; padding: 20px; border-radius: 8px; margin: 20px 0; border: 1px solid #e1e1e1;\">\n<p style=\"margin: 0; font-weight: bold; color: #333;\">Atualiza\u00e7\u00f5es Regulat\u00f3rias (Abril\/2026):<\/p>\n<ul style=\"list-style-type: none; padding: 0; margin-top: 10px;\">\n<li style=\"margin-bottom: 12px;\">&#x2705; <strong>Patrim\u00f4nio de Afeta\u00e7\u00e3o:<\/strong> Em 2026, consolidou-se como regra de mercado. Verifique se o documento da obra cita este regime. Ele separa o dinheiro da sua obra das outras d\u00edvidas da construtora, blindando seu investimento em caso de fal\u00eancia da empresa.<\/li>\n<li style=\"margin-bottom: 12px;\">&#x2705; <strong>Escritura Digital e Blockchain:<\/strong> Cart\u00f3rios de grandes capitais j\u00e1 realizam o registro de compra e venda na planta via blockchain e assinatura Gov.br n\u00edvel Ouro, eliminando a necessidade de idas f\u00edsicas ao cart\u00f3rio.<\/li>\n<li style=\"margin-bottom: 12px;\">&#x2705; <strong>Seguro de Obra Obrigat\u00f3rio:<\/strong> Bancos financiadores est\u00e3o exigindo ap\u00f3lices de seguro mais robustas das construtoras para garantir a entrega (Performance Bond), o que deve constar no contrato.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<h2 style=\"text-align: left; color: #041f30; font-weight: 800;\">Entendendo o Ciclo Financeiro: INCC e Repasse<\/h2>\n<p style=\"text-align: left;\">Ao <strong>comprar im\u00f3vel na planta<\/strong>, voc\u00ea passa por dois momentos financeiros distintos, e a documenta\u00e7\u00e3o deve estar alinhada a eles.<\/p>\n<h3 style=\"text-align: left; color: #041f30; font-weight: bold;\">Fase 1: Obras (INCC)<\/h3>\n<p style=\"text-align: left;\">Durante a constru\u00e7\u00e3o, voc\u00ea paga cerca de 20% a 30% do valor do im\u00f3vel diretamente para a construtora.<\/p>\n<p style=\"text-align: left;\"><strong>Aten\u00e7\u00e3o ao INCC:<\/strong> O saldo devedor \u00e9 corrigido mensalmente pelo \u00cdndice Nacional de Custo da Constru\u00e7\u00e3o. Isso n\u00e3o s\u00e3o juros, \u00e9 corre\u00e7\u00e3o monet\u00e1ria. Certifique-se de que seu or\u00e7amento comporta essa varia\u00e7\u00e3o, pois ela impactar\u00e1 o valor que voc\u00ea precisar\u00e1 financiar l\u00e1 na frente.<\/p>\n<h3 style=\"text-align: left; color: #041f30; font-weight: bold;\">Fase 2: Entrega das Chaves (O Repasse)<\/h3>\n<p style=\"text-align: left;\">Quando sai o &#8220;Habite-se&#8221; (documento da prefeitura atestando que a obra est\u00e1 pronta), voc\u00ea deve quitar o saldo devedor (os 70% ou 80% restantes). A maioria das pessoas faz isso atrav\u00e9s de um <strong>financiamento imobili\u00e1rio<\/strong> banc\u00e1rio.<\/p>\n<p style=\"text-align: left;\">\u00c9 aqui que o banco far\u00e1 uma <strong>nova an\u00e1lise de cr\u00e9dito<\/strong>. Por isso, manter o &#8220;nome limpo&#8221; e a renda est\u00e1vel durante os anos de obra \u00e9 crucial.<\/p>\n<p style=\"text-align: left;\">Os documentos exigidos pelo banco no repasse s\u00e3o:<\/p>\n<ul>\n<li>Documentos pessoais e de renda <strong>atualizados<\/strong> (holerites do m\u00eas vigente).<\/li>\n<li>Declara\u00e7\u00e3o de IR do ano corrente.<\/li>\n<li>Matr\u00edcula do im\u00f3vel j\u00e1 individualizada (ap\u00f3s a averba\u00e7\u00e3o da constru\u00e7\u00e3o).<\/li>\n<\/ul>\n<div style=\"background-color: #e8f5e9; border-left: 5px solid #28a745; padding: 20px; margin: 20px 0; border-radius: 0 8px 8px 0;\"><strong style=\"color: #1b5e20;\">&#x1f4b0; Boom do Cr\u00e9dito Imobili\u00e1rio em 2026:<\/strong><\/p>\n<p style=\"margin-top: 8px; margin-bottom: 0;\">Mar\u00e7o de 2026 bateu <strong>R$18,5 bilh\u00f5es<\/strong> em financiamentos \u2014 o 4\u00ba maior volume da hist\u00f3ria brasileira, com crescimento de 53,9% vs. 2025. A Caixa liderou com R$21,4 bilh\u00f5es desembolsados no trimestre (+68,5%). Isso significa melhores condi\u00e7\u00f5es de repasse para quem est\u00e1 comprando na planta agora e vai financiar em 2027-2028.<\/p>\n<\/div>\n<p><!-- CTA 2 --><\/p>\n<div style=\"width: 100%; text-align: center; margin: 35px 0;\">\n<p style=\"color: #555; font-size: 1rem; margin-bottom: 15px;\">Simule agora o valor da sua parcela no Repasse:<\/p>\n<p><a style=\"display: inline-block; background-color: #fe1637; color: #ffffff; padding: 16px 45px; text-decoration: none; border-radius: 50px; font-weight: 800; font-size: 1.05rem; box-shadow: 0 4px 15px rgba(254,22,55,0.4);\" href=\"https:\/\/larya.com.br\/simulador-de-financiamento-imobiliario#calculator\"><strong>Iniciar Simula\u00e7\u00e3o Gratuita \u2192<\/strong><\/a><\/p>\n<\/div>\n<h2 style=\"text-align: left; color: #041f30; font-weight: 800;\">Uso do FGTS na Compra de Im\u00f3vel na Planta<\/h2>\n<p style=\"text-align: left;\">O <a style=\"color: #fe1637; font-weight: bold;\" href=\"https:\/\/larya.com.br\/blog\/como-usar-o-fgts-para-comprar-uma-casa\/\" target=\"_blank\" rel=\"noopener\">Fundo de Garantia (FGTS)<\/a> \u00e9 um grande aliado, mas tem regras. Geralmente, ele \u00e9 usado no momento da entrega das chaves para abater o saldo devedor do financiamento.<\/p>\n<p style=\"text-align: left;\">Para usar o FGTS, adicione \u00e0 sua pasta de documentos:<\/p>\n<ul>\n<li>Extrato anal\u00edtico da conta vinculada ao FGTS (obtido no app FGTS ou Gov.br).<\/li>\n<li>C\u00f3pia da Carteira de Trabalho (CTPS) f\u00edsica ou digital.<\/li>\n<li>Declara\u00e7\u00e3o de que \u00e9 seu primeiro im\u00f3vel financiado pelo SFH na regi\u00e3o (regra do sistema).<\/li>\n<\/ul>\n<h2 style=\"text-align: left; color: #041f30; font-weight: 800;\">Custos Extras: O que Ningu\u00e9m te Conta<\/h2>\n<p style=\"text-align: left;\">Muitos compradores separam apenas o valor da entrada e esquecem da &#8220;papelada final&#8221;. Para registrar o im\u00f3vel no seu nome, voc\u00ea precisar\u00e1 desembolsar cerca de <strong>4% a 5% do valor do im\u00f3vel<\/strong> em custos cartor\u00e1rios e impostos.<\/p>\n<p style=\"text-align: left;\">S\u00e3o eles:<\/p>\n<ul>\n<li><strong>ITBI (Imposto de Transmiss\u00e3o de Bens Im\u00f3veis):<\/strong> Pago \u00e0 prefeitura. A al\u00edquota varia por cidade (geralmente 2% a 3%). Use nossa <a style=\"color: #fe1637; font-weight: bold;\" href=\"https:\/\/larya.com.br\/itbi\">calculadora de ITBI<\/a> para descobrir o valor exato na sua cidade.<\/li>\n<li><strong>Registro de Im\u00f3veis:<\/strong> Taxa paga ao cart\u00f3rio para transferir a propriedade para o seu nome e registrar a aliena\u00e7\u00e3o fiduci\u00e1ria (garantia do banco). Se for seu primeiro im\u00f3vel pelo SFH, exija 50% de desconto pela Lei 6.015\/73.<\/li>\n<li><strong>Taxa de Avalia\u00e7\u00e3o do Banco:<\/strong> Tarifa cobrada pela institui\u00e7\u00e3o financeira para vistoriar o im\u00f3vel pronto.<\/li>\n<\/ul>\n<h2 style=\"text-align: left; color: #041f30; font-weight: 800;\">Comparativo de Taxas para o Financiamento (Repasse)<\/h2>\n<p style=\"text-align: left;\">Ao receber as chaves, voc\u00ea ter\u00e1 que escolher um banco. Veja as taxas praticadas em abril de 2026:<\/p>\n<div style=\"overflow-x: auto; margin: 25px 0; border-radius: 10px; border: 1px solid #ddd;\">\n<table style=\"width: 100%; border-collapse: collapse; min-width: 560px;\">\n<thead>\n<tr style=\"background-color: #041f30; color: white;\">\n<th style=\"padding: 14px; text-align: left;\">Banco<\/th>\n<th style=\"padding: 14px; text-align: left;\">Taxa Nominal (% a.a. + TR)<\/th>\n<th style=\"padding: 14px; text-align: left;\">Destaque<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"border-bottom: 1px solid #eee; background-color: #ffcc80;\">\n<td style=\"padding: 12px; font-weight: bold;\">Caixa<\/td>\n<td style=\"padding: 12px; font-weight: bold;\">A partir de 11.19%<\/td>\n<td style=\"padding: 12px; font-weight: bold;\">Maior carteira de cr\u00e9dito (+68,5% em Q1\/2026)<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #eee;\">\n<td style=\"padding: 12px; font-weight: bold;\">Ita\u00fa<\/td>\n<td style=\"padding: 12px;\">A partir de 11.60%<\/td>\n<td style=\"padding: 12px;\">Agilidade no processo digital<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #eee; background-color: #f9f9f9;\">\n<td style=\"padding: 12px; font-weight: bold;\">Bradesco<\/td>\n<td style=\"padding: 12px;\">A partir de 11.69%<\/td>\n<td style=\"padding: 12px;\">Condi\u00e7\u00f5es para correntistas<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 12px; font-weight: bold;\">Santander<\/td>\n<td style=\"padding: 12px;\">A partir de 11.70%<\/td>\n<td style=\"padding: 12px;\">Flexibilidade na an\u00e1lise<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><span style=\"font-size: 10pt;\">Fonte: LARYA (Simula\u00e7\u00e3o baseada em taxas de balc\u00e3o abril\/2026)<\/span><\/p>\n<h2 style=\"text-align: left; color: #041f30; font-weight: 800;\">SAC ou Tabela Price?<\/h2>\n<p style=\"text-align: left;\">No momento do repasse, voc\u00ea escolher\u00e1 o sistema de amortiza\u00e7\u00e3o:<\/p>\n<ul>\n<li><strong>SAC (Sistema de Amortiza\u00e7\u00e3o Constante):<\/strong> As parcelas come\u00e7am mais altas e diminuem com o tempo. \u00c9 a preferida pois amortiza a d\u00edvida mais r\u00e1pido e gera menos juros totais.<\/li>\n<li><strong>Tabela Price:<\/strong> Parcelas fixas (iniciais menores que no SAC). Por\u00e9m, o saldo devedor cai mais devagar, tornando o custo final do im\u00f3vel mais alto.<\/li>\n<\/ul>\n<p style=\"text-align: left;\">Leia nosso guia completo: <a style=\"color: #fe1637; font-weight: bold;\" href=\"https:\/\/larya.com.br\/blog\/tabela-price-vale-a-pena-quando-escolher\">Tabela Price Vale a Pena? Quando Escolher<\/a><\/p>\n<p><!-- CTA 3 \u2014 DARK --><\/p>\n<div style=\"background: linear-gradient(135deg, #041f30 0%, #2c3e50 100%); padding: 35px 25px; border-radius: 15px; margin: 40px 0; text-align: center; color: white;\">\n<h3 style=\"color: white; margin-top: 0; font-size: 1.3rem;\">&#x1f6e1;&#xfe0f; Compre na Planta com Risco Zero<\/h3>\n<p style=\"opacity: 0.9; margin-bottom: 25px; font-size: 1rem;\">A LARYA Go Casa analisa construtora, memorial de incorpora\u00e7\u00e3o e contrato antes de voc\u00ea assinar. Se encontrar problemas, renegocia ou cancela sem custo para voc\u00ea.<\/p>\n<div style=\"display: flex; justify-content: center; gap: 15px; flex-wrap: wrap;\"><a style=\"display: inline-block; background-color: #fe1637; color: white; padding: 16px 35px; text-decoration: none; border-radius: 50px; font-weight: 800; font-size: 1rem;\" href=\"https:\/\/larya.com.br\/go-casa\">Conhecer LARYA Go Casa \u2192<\/a><br \/>\n<a style=\"display: inline-block; background-color: transparent; color: white; padding: 16px 35px; text-decoration: none; border-radius: 50px; font-weight: bold; font-size: 1rem; border: 2px solid white;\" href=\"https:\/\/larya.com.br\/simulador-de-financiamento-imobiliario\">Simular Repasse<\/a><\/div>\n<\/div>\n<h2 style=\"text-align: left; color: #041f30; font-weight: 800;\">Como Planejar a Compra na Planta Sem Sustos?<\/h2>\n<ul>\n<li><strong>Reserva de Emerg\u00eancia:<\/strong> N\u00e3o use todo o seu dinheiro na entrada. Mantenha uma reserva para as &#8220;chaves&#8221; (ITBI, registro, pisos, arm\u00e1rios).<\/li>\n<li><strong>Monitore o INCC:<\/strong> Acompanhe mensalmente o \u00edndice para saber quanto seu saldo devedor est\u00e1 crescendo antes do financiamento.<\/li>\n<li><strong>Cr\u00e9dito Pr\u00e9-aprovado:<\/strong> Consulte um correspondente banc\u00e1rio (como a LARYA) meses antes da entrega das chaves para garantir que seu perfil est\u00e1 apto para o financiamento.<\/li>\n<\/ul>\n<h2 style=\"text-align: left; color: #041f30; font-weight: 800;\">Quer Simular o Financiamento do Seu Im\u00f3vel?<\/h2>\n<p style=\"text-align: left;\">Agora que voc\u00ea tem o checklist completo de <strong>documentos para comprar im\u00f3vel<\/strong>, \u00e9 hora de fazer as contas. O <a style=\"color: #fe1637; font-weight: bold;\" href=\"https:\/\/larya.com.br\/simulador-de-financiamento-imobiliario\" target=\"_blank\" rel=\"noopener\">simulador da LARYA<\/a> permite comparar as condi\u00e7\u00f5es de financiamento para o momento da entrega das chaves, ajudando voc\u00ea a se planejar financeiramente desde agora.<\/p>\n<p style=\"text-align: left;\">Recomendamos tamb\u00e9m acompanhar as not\u00edcias sobre o mercado e a taxa Selic no site do <a href=\"https:\/\/www.bcb.gov.br\/\" target=\"_blank\" rel=\"noopener\">Banco Central<\/a>, pois elas influenciam diretamente os juros do seu futuro contrato.<\/p>\n<div style=\"background-color: #25d366; color: white; padding: 20px; border-radius: 50px; text-align: center; margin: 40px auto; max-width: 500px; box-shadow: 0 6px 20px rgba(37,211,102,0.4);\"><a style=\"color: white; text-decoration: none; font-weight: 800; font-size: 1.1rem; display: flex; align-items: center; justify-content: center;\" href=\"https:\/\/api.whatsapp.com\/send\/?phone=5511935034854&amp;text=Quero%20assessoria%20juridica%20para%20compra%20na%20planta&amp;type=phone_number&amp;app_absent=0\"><br \/>\n<img decoding=\"async\" style=\"margin-right: 12px;\" src=\"https:\/\/upload.wikimedia.org\/wikipedia\/commons\/6\/6b\/WhatsApp.svg\" alt=\"WhatsApp\" width=\"28\" height=\"28\" \/> Falar com Especialista GoCasa<br \/>\n<\/a><\/div>\n<article id=\"itbi-guia-completo\">\n<h1 style=\"font-family: Poppins, sans-serif; font-size: 32px; font-weight: bold; margin-top: 50px;\">ITBI: O que \u00e9, Como Funciona e Links Oficiais das Prefeituras<\/h1>\n<p style=\"text-align: left;\">O <strong>ITBI (Imposto sobre Transmiss\u00e3o de Bens Im\u00f3veis)<\/strong> \u00e9 um tributo municipal cobrado na transfer\u00eancia de propriedade de im\u00f3veis, pago pelo comprador no momento da escritura ou registro. Use nossa <a style=\"color: #fe1637; font-weight: bold;\" href=\"https:\/\/larya.com.br\/itbi\">Calculadora de ITBI<\/a> para descobrir o valor exato na sua cidade.<\/p>\n<p style=\"text-align: left;\">Cada munic\u00edpio define suas pr\u00f3prias regras, al\u00edquotas e prazos. \u00c9 fundamental consultar sempre o portal oficial da prefeitura ou usar o atalho: <a style=\"color: #fe1637; font-weight: bold;\" href=\"https:\/\/larya.com.br\/itbi\">larya.com.br\/itbi<\/a>.<\/p>\n<h2 style=\"text-align: left;\">Quando o ITBI \u00e9 Cobrado?<\/h2>\n<p style=\"text-align: left;\">O ITBI \u00e9 devido em compra e venda, cess\u00e3o de direitos e adjudica\u00e7\u00e3o. <strong>N\u00e3o incide em heran\u00e7as ou doa\u00e7\u00f5es<\/strong> (aplica-se o ITCMD estadual nesses casos).<\/p>\n<h2 style=\"text-align: left;\">&#x1f1e7;&#x1f1f7; Links Oficiais do ITBI \u2014 Principais Cidades<\/h2>\n<ul style=\"text-align: left;\">\n<li><strong>S\u00e3o Paulo (SP)<\/strong> \u2014 <a href=\"https:\/\/prefeitura.sp.gov.br\/web\/fazenda\/servicos\/itbi\" target=\"_blank\" rel=\"noopener\">ITBI \u2013 Servi\u00e7os e Informa\u00e7\u00f5es<\/a> | <a href=\"https:\/\/itbi.prefeitura.sp.gov.br\/\" target=\"_blank\" rel=\"noopener\">Portal de emiss\u00e3o<\/a><\/li>\n<li><strong>Rio de Janeiro (RJ)<\/strong> \u2014 <a href=\"https:\/\/carioca.rio\/tema\/itbi\/\" target=\"_blank\" rel=\"noopener\">ITBI \u2013 Portal Carioca Digital<\/a><\/li>\n<li><strong>Curitiba (PR)<\/strong> \u2014 <a href=\"https:\/\/www.curitiba.pr.gov.br\/servicos\/itbi-solicitacao-da-guia\/635\" target=\"_blank\" rel=\"noopener\">Solicita\u00e7\u00e3o da Guia de ITBI<\/a><\/li>\n<li><strong>Belo Horizonte (MG)<\/strong> \u2014 <a href=\"https:\/\/prefeitura.pbh.gov.br\/fazenda\/tributos\/itbi\" target=\"_blank\" rel=\"noopener\">ITBI \u2013 Secretaria da Fazenda<\/a><\/li>\n<li><strong>Porto Alegre (RS)<\/strong> \u2014 <a href=\"https:\/\/prefeitura.poa.br\/carta-de-servicos\/itbi-imposto-sobre-transmissao-de-bens-imoveis\" target=\"_blank\" rel=\"noopener\">ITBI \u2013 Carta de Servi\u00e7os<\/a><\/li>\n<li><strong>Bras\u00edlia (DF)<\/strong> \u2014 <a href=\"https:\/\/www.economia.df.gov.br\/itbi\/\" target=\"_blank\" rel=\"noopener\">ITBI \u2013 Secretaria de Economia do DF<\/a><\/li>\n<li><strong>Salvador (BA)<\/strong> \u2014 <a href=\"https:\/\/www.sefaz.salvador.ba.gov.br\/servicos\/itbi\" target=\"_blank\" rel=\"noopener\">ITBI \u2013 Secretaria da Fazenda Municipal<\/a><\/li>\n<li><strong>Fortaleza (CE)<\/strong> \u2014 <a href=\"https:\/\/www.sefin.fortaleza.ce.gov.br\/servicos\/itbi\" target=\"_blank\" rel=\"noopener\">ITBI \u2013 Secretaria Municipal das Finan\u00e7as<\/a><\/li>\n<li><strong>Recife (PE)<\/strong> \u2014 <a href=\"https:\/\/www2.recife.pe.gov.br\/servico\/itbi\" target=\"_blank\" rel=\"noopener\">ITBI \u2013 Secretaria de Finan\u00e7as<\/a><\/li>\n<li><strong>Manaus (AM)<\/strong> \u2014 <a href=\"https:\/\/semef.manaus.am.gov.br\/itbi\/\" target=\"_blank\" rel=\"noopener\">ITBI \u2013 Secretaria Municipal de Finan\u00e7as<\/a><\/li>\n<li><strong>Goi\u00e2nia (GO)<\/strong> \u2014 <a href=\"https:\/\/www.goiania.go.gov.br\/smf\/itbi\/\" target=\"_blank\" rel=\"noopener\">ITBI \u2013 Secretaria Municipal da Fazenda<\/a><\/li>\n<li><strong>Campinas (SP)<\/strong> \u2014 <a href=\"https:\/\/www.campinas.sp.gov.br\/governo\/financas\/itbi.php\" target=\"_blank\" rel=\"noopener\">ITBI \u2013 Prefeitura de Campinas<\/a><\/li>\n<li><strong>Florian\u00f3polis (SC)<\/strong> \u2014 <a href=\"https:\/\/www.pmf.sc.gov.br\/entidades\/fazenda\/index.php?cms=ITBI\" target=\"_blank\" rel=\"noopener\">ITBI \u2013 Secretaria da Fazenda<\/a><\/li>\n<li><strong>Vit\u00f3ria (ES)<\/strong> \u2014 <a href=\"https:\/\/fazenda.vitoria.es.gov.br\/itbi\" target=\"_blank\" rel=\"noopener\">ITBI \u2013 Secretaria de Fazenda<\/a><\/li>\n<li><strong>Bel\u00e9m (PA)<\/strong> \u2014 <a href=\"https:\/\/www.belem.pa.gov.br\/sefin\/site\/?page_id=2446\" target=\"_blank\" rel=\"noopener\">ITBI \u2013 Secretaria Municipal de Finan\u00e7as<\/a><\/li>\n<\/ul>\n<p style=\"text-align: center; margin: 25px 0;\"><a style=\"display: inline-block; background-color: #fe1637; color: white; padding: 14px 35px; text-decoration: none; border-radius: 50px; font-weight: 800;\" href=\"https:\/\/larya.com.br\/itbi\">&#x1f9ee; Calcular meu ITBI agora \u2192<\/a><\/p>\n<p><small>&#x26a0;&#xfe0f; As regras do ITBI variam por munic\u00edpio. Para valores oficiais, use os portais das Prefeituras ou nossa <a style=\"color: #fe1637;\" href=\"https:\/\/larya.com.br\/itbi\">calculadora centralizada<\/a>.<\/small><\/p>\n<\/article>\n<h2 style=\"text-align: left; margin-top: 50px; color: #041f30; font-weight: 800;\">Perguntas Frequentes (FAQ)<\/h2>\n<div  class=\"ewd-ufaq-faq-list ewd-ufaq-page-type-distinct ewd-ufaq-category-tabs-\" id='ewd-ufaq-faq-list'>\n\n\t<input type='hidden' name='show_on_load' value='' id='ewd-ufaq-show-on-load' \/>\n<input type='hidden' name='include_category' value='mercado-imobiliario' id='ewd-ufaq-include-category' \/>\n<input type='hidden' name='exclude_category' value='' id='ewd-ufaq-exclude-category' \/>\n<input type='hidden' name='orderby' value='title' id='ewd-ufaq-orderby' \/>\n<input type='hidden' name='order' value='asc' id='ewd-ufaq-order' \/>\n<input type='hidden' name='post_count' value='-1' id='ewd-ufaq-post-count' \/>\n<input type='hidden' name='current_url' value='\/blog\/wp-json\/wp\/v2\/posts\/12093' id='ewd-ufaq-current-url' \/>\n\t\n\t\n\t<div class='ewd-ufaq-faqs'>\n\n\t\t<div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-14902-xDvgDJidgI' data-post_id='14902'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h4>\n\t\t\t\tComo acompanhar a valoriza\u00e7\u00e3o de im\u00f3veis na sua regi\u00e3o?\t\t\t<\/h4>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-categories'>\n\t\n\tCategory:\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-comprar-imovel-em-2025\/?include_category=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t<p class=\"\" data-start=\"149\" data-end=\"481\">Acompanhar a <strong data-start=\"162\" data-end=\"211\">valoriza\u00e7\u00e3o dos im\u00f3veis na sua regi\u00e3o em 2025<\/strong> \u00e9 essencial para quem deseja comprar, vender ou investir com seguran\u00e7a no mercado imobili\u00e1rio. Felizmente, hoje existem diversas <strong data-start=\"341\" data-end=\"363\">ferramentas online<\/strong> que permitem monitorar o <strong data-start=\"389\" data-end=\"427\">pre\u00e7o do metro quadrado por bairro<\/strong>, hist\u00f3rico de transa\u00e7\u00f5es e tend\u00eancias de crescimento.<\/p>\n<p class=\"\" data-start=\"483\" data-end=\"767\">Portais especializados, como a LARYA, oferecem dados atualizados com base em registros reais de compra e venda, al\u00e9m de \u00edndices como o <strong data-start=\"630\" data-end=\"661\">\u00cdndice de Pre\u00e7os de Im\u00f3veis<\/strong> e o <strong data-start=\"666\" data-end=\"677\">FipeZap<\/strong>, que ajudam a entender as flutua\u00e7\u00f5es de pre\u00e7os em diferentes cidades e regi\u00f5es do Brasil.<\/p>\n<p class=\"\" data-start=\"769\" data-end=\"1169\">Para uma an\u00e1lise mais precisa, \u00e9 poss\u00edvel usar simuladores de avalia\u00e7\u00e3o autom\u00e1tica (AVM), que combinam big data, intelig\u00eancia artificial e dados p\u00fablicos para estimar com alta precis\u00e3o o <strong data-start=\"956\" data-end=\"984\">valor atual de um im\u00f3vel<\/strong>, considerando localiza\u00e7\u00e3o, tamanho, tipologia e outros fatores relevantes. Essa pr\u00e1tica \u00e9 especialmente \u00fatil para quem quer negociar bem ou avaliar oportunidades de valoriza\u00e7\u00e3o futura.<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\" data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;14902&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;3&quot;,&quot;greet&quot;:&quot;Avalie este artigo&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 voto)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Como acompanhar a valoriza\u00e7\u00e3o de im\u00f3veis na sua regi\u00e3o?&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px\">\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 20.8px\">\n            <span class=\"kksr-muted\">Avalie este artigo<\/span>\n    <\/div>\n    <\/div>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content --><\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-permalink'>\n\t\n\t<a href='https:\/\/larya.com.br\/blog\/ufaq\/como-acompanhar-a-valorizacao-de-imoveis-na-sua-regiao\/'>\n\t\t\n\t\t\t\t <div class='ewd-ufaq-permalink-image'><\/div> \t\n\t<\/a>\n\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-13487-YORrg6UaLS' data-post_id='13487'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h4>\n\t\t\t\tComo calcular o valor do IPTU de um im\u00f3vel 2025?\t\t\t<\/h4>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-categories'>\n\t\n\tCategory:\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-comprar-imovel-em-2025\/?include_category=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t<p class=\"\" data-start=\"441\" data-end=\"722\"><strong data-start=\"441\" data-end=\"487\">1. O que \u00e9 o IPTU e por que ele \u00e9 cobrado?<\/strong><br data-start=\"487\" data-end=\"490\" \/>O <strong data-start=\"492\" data-end=\"539\">IPTU (Imposto Predial e Territorial Urbano)<\/strong> \u00e9 um tributo municipal cobrado anualmente de propriet\u00e1rios de im\u00f3veis urbanos. Ele \u00e9 utilizado para financiar servi\u00e7os p\u00fablicos como educa\u00e7\u00e3o, sa\u00fade, limpeza e infraestrutura urbana.<\/p>\n<hr class=\"\" data-start=\"724\" data-end=\"727\" \/>\n<p class=\"\" data-start=\"729\" data-end=\"816\"><strong data-start=\"729\" data-end=\"779\">2. Como calcular o valor do IPTU de um im\u00f3vel?<\/strong><br data-start=\"779\" data-end=\"782\" \/>O c\u00e1lculo do IPTU segue a f\u00f3rmula:<\/p>\n<blockquote data-start=\"818\" data-end=\"867\">\n<p class=\"\" data-start=\"820\" data-end=\"867\"><strong data-start=\"820\" data-end=\"867\">IPTU = Valor Venal do Im\u00f3vel \u00d7 Al\u00edquota (%)<\/strong><\/p>\n<\/blockquote>\n<ul data-start=\"869\" data-end=\"1126\">\n<li class=\"\" data-start=\"869\" data-end=\"1029\">\n<p class=\"\" data-start=\"871\" data-end=\"1029\"><strong data-start=\"871\" data-end=\"886\">Valor venal<\/strong>: \u00e9 uma estimativa feita pela prefeitura sobre quanto o im\u00f3vel vale para fins fiscais, considerando localiza\u00e7\u00e3o, metragem, uso, padr\u00e3o e idade.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1030\" data-end=\"1126\">\n<p class=\"\" data-start=\"1032\" data-end=\"1126\"><strong data-start=\"1032\" data-end=\"1044\">Al\u00edquota<\/strong>: varia conforme a cidade, tipo e uso do im\u00f3vel (residencial, comercial, terreno).<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"1128\" data-end=\"1244\">Por exemplo, se o valor venal for R$ 500.000 e a al\u00edquota for 0,8%, o IPTU ser\u00e1:<br data-start=\"1208\" data-end=\"1211\" \/><strong data-start=\"1211\" data-end=\"1244\">R$ 500.000 \u00d7 0,008 = R$ 4.000<\/strong><\/p>\n<hr class=\"\" data-start=\"1246\" data-end=\"1249\" \/>\n<p class=\"\" data-start=\"1251\" data-end=\"1342\"><strong data-start=\"1251\" data-end=\"1305\">3. Como saber o valor venal do meu im\u00f3vel em 2025?<\/strong><br data-start=\"1305\" data-end=\"1308\" \/>Voc\u00ea pode consultar o valor venal:<\/p>\n<ul data-start=\"1344\" data-end=\"1672\">\n<li class=\"\" data-start=\"1344\" data-end=\"1380\">\n<p class=\"\" data-start=\"1346\" data-end=\"1380\">No carn\u00ea do IPTU do ano anterior<\/p>\n<\/li>\n<li class=\"\" data-start=\"1381\" data-end=\"1437\">\n<p class=\"\" data-start=\"1383\" data-end=\"1437\">No site da prefeitura da sua cidade (ex: SP, RJ, BH)<\/p>\n<\/li>\n<li class=\"\" data-start=\"1438\" data-end=\"1672\">\n<p class=\"\" data-start=\"1440\" data-end=\"1672\">Ou usar uma ferramenta como a <strong data-start=\"1470\" data-end=\"1599\"><a target=\"_new\" rel=\"noopener\" data-start=\"1472\" data-end=\"1597\">Calculadora de Valor Venal e Avalia\u00e7\u00e3o de Im\u00f3veis da LARYA<\/a><\/strong>, que te ajuda a estimar valores por localiza\u00e7\u00e3o e caracter\u00edsticas reais.<\/p>\n<\/li>\n<\/ul>\n<hr class=\"\" data-start=\"1674\" data-end=\"1677\" \/>\n<p class=\"\" data-start=\"1679\" data-end=\"1804\"><strong data-start=\"1679\" data-end=\"1741\">4. Qual a al\u00edquota do IPTU nas principais cidades em 2025?<\/strong><br data-start=\"1741\" data-end=\"1744\" \/>As al\u00edquotas variam por munic\u00edpio e tipo de im\u00f3vel. Exemplo:<\/p>\n<div class=\"pointer-events-none relative left-[50%]! flex w-[100cqw] translate-x-[-50%] justify-center *:pointer-events-auto\">\n<div class=\"tableContainer horzScrollShadows group relative\">\n<p>\u00a0<\/p>\n<table class=\"min-w-full\" data-start=\"1806\" data-end=\"2071\">\n<thead data-start=\"1806\" data-end=\"1856\">\n<tr data-start=\"1806\" data-end=\"1856\">\n<th data-start=\"1806\" data-end=\"1821\">Cidade<\/th>\n<th data-start=\"1821\" data-end=\"1839\">Residencial (%)<\/th>\n<th data-start=\"1839\" data-end=\"1856\">Comercial (%)<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"1910\" data-end=\"2071\">\n<tr data-start=\"1910\" data-end=\"1963\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1910\" data-end=\"1925\">S\u00e3o Paulo<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1925\" data-end=\"1945\">0,5% a 1,0%<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1945\" data-end=\"1963\">at\u00e9 1,5%<\/td>\n<\/tr>\n<tr data-start=\"1964\" data-end=\"2017\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1964\" data-end=\"1981\">Rio de Janeiro<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1981\" data-end=\"1999\">0,6% a 1,2%<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1999\" data-end=\"2017\">at\u00e9 2,5%<\/td>\n<\/tr>\n<tr data-start=\"2018\" data-end=\"2071\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"2018\" data-end=\"2035\">Belo Horizonte<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"2035\" data-end=\"2053\">0,6% a 1,0%<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"2053\" data-end=\"2071\">at\u00e9 2,0%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p class=\"\" data-start=\"2073\" data-end=\"2139\">Verifique a tabela atualizada no site da prefeitura da sua cidade.<\/p>\n<hr class=\"\" data-start=\"2141\" data-end=\"2144\" \/>\n<p class=\"\" data-start=\"2146\" data-end=\"2324\"><strong data-start=\"2146\" data-end=\"2200\">5. Existe desconto para pagamento \u00e0 vista do IPTU?<\/strong><br data-start=\"2200\" data-end=\"2203\" \/>Sim. A maioria dos munic\u00edpios oferece desconto de <strong data-start=\"2253\" data-end=\"2265\">3% a 10%<\/strong> para pagamento em cota \u00fanica, geralmente no in\u00edcio do ano.<\/p>\n<hr class=\"\" data-start=\"2326\" data-end=\"2329\" \/>\n<p class=\"\" data-start=\"2331\" data-end=\"2586\"><strong data-start=\"2331\" data-end=\"2388\">6. IPTU \u00e9 calculado sobre a \u00e1rea constru\u00edda ou total?<\/strong><br data-start=\"2388\" data-end=\"2391\" \/>O valor venal considera <strong data-start=\"2415\" data-end=\"2462\">tanto a \u00e1rea constru\u00edda quanto a do terreno<\/strong>, al\u00e9m de outros fatores como localiza\u00e7\u00e3o, padr\u00e3o e uso. Quanto maior e mais valorizada a \u00e1rea, maior tende a ser o imposto.<\/p>\n<hr class=\"\" data-start=\"2588\" data-end=\"2591\" \/>\n<p class=\"\" data-start=\"2593\" data-end=\"2665\"><strong data-start=\"2593\" data-end=\"2642\">7. Im\u00f3veis isentos de IPTU: quem tem direito?<\/strong><br data-start=\"2642\" data-end=\"2645\" \/>Podem ter isen\u00e7\u00e3o:<\/p>\n<ul data-start=\"2666\" data-end=\"2827\">\n<li class=\"\" data-start=\"2666\" data-end=\"2700\">\n<p class=\"\" data-start=\"2668\" data-end=\"2700\">Aposentados com renda limitada<\/p>\n<\/li>\n<li class=\"\" data-start=\"2701\" data-end=\"2733\">\n<p class=\"\" data-start=\"2703\" data-end=\"2733\">Im\u00f3veis de valor muito baixo<\/p>\n<\/li>\n<li class=\"\" data-start=\"2734\" data-end=\"2775\">\n<p class=\"\" data-start=\"2736\" data-end=\"2775\">Entidades sociais, ONGs ou religiosas<\/p>\n<\/li>\n<li class=\"\" data-start=\"2776\" data-end=\"2827\">\n<p class=\"\" data-start=\"2778\" data-end=\"2827\">Pessoas com doen\u00e7as graves (em alguns munic\u00edpios)<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"2829\" data-end=\"2893\">Cada cidade possui regras pr\u00f3prias. Consulte a legisla\u00e7\u00e3o local.<\/p>\n<hr class=\"\" data-start=\"2895\" data-end=\"2898\" \/>\n<p class=\"\" data-start=\"2900\" data-end=\"2977\"><strong data-start=\"2900\" data-end=\"2954\">8. Onde posso verificar o IPTU 2025 do meu im\u00f3vel?<\/strong><br data-start=\"2954\" data-end=\"2957\" \/>Voc\u00ea pode consultar:<\/p>\n<ul data-start=\"2979\" data-end=\"3246\">\n<li class=\"\" data-start=\"2979\" data-end=\"3026\">\n<p class=\"\" data-start=\"2981\" data-end=\"3026\">No site oficial da prefeitura da sua cidade<\/p>\n<\/li>\n<li class=\"\" data-start=\"3027\" data-end=\"3090\">\n<p class=\"\" data-start=\"3029\" data-end=\"3090\">Com o n\u00famero de inscri\u00e7\u00e3o imobili\u00e1ria ou cadastro municipal<\/p>\n<\/li>\n<li class=\"\" data-start=\"3091\" data-end=\"3246\">\n<p class=\"\" data-start=\"3093\" data-end=\"3246\">Ou atrav\u00e9s de um servi\u00e7o como o da <strong data-start=\"3128\" data-end=\"3145\">LARYA<\/strong>, que ajuda voc\u00ea a entender o valor do seu im\u00f3vel e compar\u00e1-lo com im\u00f3veis semelhantes da sua regi\u00e3o.<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"3248\" data-end=\"3363\">\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\" data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;13487&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;35&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;5&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;3&quot;,&quot;greet&quot;:&quot;Avalie este artigo&quot;,&quot;legend&quot;:&quot;5\\\/5 - (35 votos)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Como calcular o valor do IPTU de um im\u00f3vel 2025?&quot;,&quot;width&quot;:&quot;143.5&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 143.5px\">\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 20.8px\">\n            5\/5 - (35 votos)    <\/div>\n    <\/div>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content --><\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-tags'>\n\t\n\tTags:\t\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-comprar-imovel-em-2025\/?include_tag=calculosiptu\">C\u00e1lculosIPTU<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-comprar-imovel-em-2025\/?include_tag=debitosiptu\">D\u00e9bitosIPTU<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-comprar-imovel-em-2025\/?include_tag=iptu\">IPTU<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-permalink'>\n\t\n\t<a href='https:\/\/larya.com.br\/blog\/ufaq\/como-calcular-o-valor-do-iptu-de-um-imovel\/'>\n\t\t\n\t\t\t\t <div class='ewd-ufaq-permalink-image'><\/div> \t\n\t<\/a>\n\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-14899-HWkneJD4C0' data-post_id='14899'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h4>\n\t\t\t\tComo est\u00e1 o Mercado Imobili\u00e1rio em 2025?\t\t\t<\/h4>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-categories'>\n\t\n\tCategory:\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-comprar-imovel-em-2025\/?include_category=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t<p class=\"\" data-start=\"928\" data-end=\"1337\">O mercado imobili\u00e1rio em 2025 apresenta sinais de retomada, com <strong data-start=\"992\" data-end=\"1031\">valoriza\u00e7\u00e3o m\u00e9dia do metro quadrado<\/strong> nas principais capitais do Brasil, especialmente em cidades como S\u00e3o Paulo, Belo Horizonte, Curitiba e Bras\u00edlia. A <strong data-start=\"1147\" data-end=\"1161\">taxa Selic<\/strong> em queda tem incentivado o cr\u00e9dito imobili\u00e1rio, tornando o <strong data-start=\"1221\" data-end=\"1264\">financiamento de im\u00f3veis mais acess\u00edvel<\/strong>, o que aquece a demanda por compra de im\u00f3veis residenciais e comerciais.<\/p>\n<p class=\"\" data-start=\"1339\" data-end=\"1720\">Segundo dados atualizados do <strong data-start=\"1368\" data-end=\"1399\">\u00edndice de pre\u00e7os de im\u00f3veis<\/strong> publicado por plataformas como LARYA, h\u00e1 um crescimento consistente no volume de transa\u00e7\u00f5es e aumento na procura por <strong data-start=\"1525\" data-end=\"1559\">avalia\u00e7\u00f5es imobili\u00e1rias online<\/strong>. Al\u00e9m disso, a digitaliza\u00e7\u00e3o do setor est\u00e1 acelerando, com o uso de <strong data-start=\"1628\" data-end=\"1660\">simuladores de financiamento<\/strong> e ferramentas de <strong data-start=\"1678\" data-end=\"1719\">avalia\u00e7\u00e3o autom\u00e1tica de im\u00f3veis (AVM)<\/strong>.<\/p>\n<p class=\"\" data-start=\"1722\" data-end=\"2057\">Outro destaque de 2025 \u00e9 a <strong data-start=\"1749\" data-end=\"1801\">busca por im\u00f3veis sustent\u00e1veis e bem localizados<\/strong>, refletindo novas prioridades de compradores e investidores. O cen\u00e1rio \u00e9 promissor para quem quer <strong data-start=\"1900\" data-end=\"1935\">investir no mercado imobili\u00e1rio<\/strong>, mas exige aten\u00e7\u00e3o aos <strong data-start=\"1959\" data-end=\"1995\">\u00edndices regionais de valoriza\u00e7\u00e3o<\/strong>, tend\u00eancias de juros e oportunidades nos bairros em expans\u00e3o.<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\" data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;14899&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;3&quot;,&quot;greet&quot;:&quot;Avalie este artigo&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 voto)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Como est\u00e1 o Mercado Imobili\u00e1rio em 2025?&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px\">\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 20.8px\">\n            <span class=\"kksr-muted\">Avalie este artigo<\/span>\n    <\/div>\n    <\/div>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content --><\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-permalink'>\n\t\n\t<a href='https:\/\/larya.com.br\/blog\/ufaq\/como-esta-o-mercado-imobiliario-em-2025\/'>\n\t\t\n\t\t\t\t <div class='ewd-ufaq-permalink-image'><\/div> \t\n\t<\/a>\n\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-14778-Tn6KEvgumV' data-post_id='14778'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h4>\n\t\t\t\tQual a tend\u00eancia do mercado imobili\u00e1rio em 2025?\t\t\t<\/h4>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-categories'>\n\t\n\tCategory:\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-comprar-imovel-em-2025\/?include_category=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t<p class=\"\" data-start=\"472\" data-end=\"786\"><strong data-start=\"472\" data-end=\"524\">1. O que esperar do mercado imobili\u00e1rio em 2025?<\/strong><br data-start=\"524\" data-end=\"527\" \/>O ano de 2025 traz um cen\u00e1rio misto para o mercado imobili\u00e1rio: juros mais altos com a Selic projetada acima de 13%, o que encarece o financiamento, mas tamb\u00e9m abre espa\u00e7o para novas oportunidades em segmentos como alto padr\u00e3o, im\u00f3veis sustent\u00e1veis e loca\u00e7\u00e3o.<\/p>\n<hr class=\"\" data-start=\"788\" data-end=\"791\" \/>\n<p class=\"\" data-start=\"793\" data-end=\"1096\"><strong data-start=\"793\" data-end=\"855\">2. Como a alta da SELIC afeta o financiamento imobili\u00e1rio?<\/strong><br data-start=\"855\" data-end=\"858\" \/>Com a <strong data-start=\"864\" data-end=\"893\">SELIC acima de 13% ao ano<\/strong>, os bancos aumentaram as taxas de financiamento. Isso significa <strong data-start=\"958\" data-end=\"979\">cr\u00e9dito mais caro<\/strong>, exig\u00eancia maior de entrada (30% em alguns casos), e foco em compradores com mais renda ou capacidade de negocia\u00e7\u00e3o.<\/p>\n<hr class=\"\" data-start=\"1098\" data-end=\"1101\" \/>\n<p class=\"\" data-start=\"1103\" data-end=\"1353\"><strong data-start=\"1103\" data-end=\"1162\">3. Qual segmento segue aquecido apesar dos juros altos?<\/strong><br data-start=\"1162\" data-end=\"1165\" \/>O <strong data-start=\"1167\" data-end=\"1204\">mercado de im\u00f3veis de alto padr\u00e3o<\/strong> segue forte, com destaque para o Nordeste, que registrou aumento de 28% na busca por im\u00f3veis de luxo em 2024. Esse movimento deve continuar em 2025.<\/p>\n<hr class=\"\" data-start=\"1355\" data-end=\"1358\" \/>\n<p class=\"\" data-start=\"1360\" data-end=\"1655\"><strong data-start=\"1360\" data-end=\"1402\">4. Im\u00f3veis sustent\u00e1veis s\u00e3o tend\u00eancia?<\/strong><br data-start=\"1402\" data-end=\"1405\" \/>Sim. H\u00e1 uma valoriza\u00e7\u00e3o crescente de <strong data-start=\"1442\" data-end=\"1466\">im\u00f3veis sustent\u00e1veis<\/strong>, com sistemas de energia solar, capta\u00e7\u00e3o de \u00e1gua e certifica\u00e7\u00f5es verdes. Al\u00e9m de atrativos ambientais, esses im\u00f3veis costumam ter menor custo operacional e s\u00e3o mais valorizados na revenda.<\/p>\n<hr class=\"\" data-start=\"1657\" data-end=\"1660\" \/>\n<p class=\"\" data-start=\"1662\" data-end=\"1979\"><strong data-start=\"1662\" data-end=\"1709\">5. O que \u00e9 coliving e por que est\u00e1 em alta?<\/strong><br data-start=\"1709\" data-end=\"1712\" \/><strong data-start=\"1712\" data-end=\"1724\">Coliving<\/strong> e <strong data-start=\"1727\" data-end=\"1742\">flex living<\/strong> s\u00e3o modelos de moradia compartilhada ou flex\u00edvel, ideais para jovens profissionais ou pessoas com estilo de vida mais din\u00e2mico. Eles combinam praticidade, economia e senso de comunidade. A tend\u00eancia \u00e9 de crescimento nas grandes cidades.<\/p>\n<hr class=\"\" data-start=\"1981\" data-end=\"1984\" \/>\n<p class=\"\" data-start=\"1986\" data-end=\"2303\"><strong data-start=\"1986\" data-end=\"2047\">6. Como a tecnologia impacta o setor imobili\u00e1rio em 2025?<\/strong><br data-start=\"2047\" data-end=\"2050\" \/>Ferramentas como <strong data-start=\"2067\" data-end=\"2172\">intelig\u00eancia artificial, realidade aumentada, assinaturas digitais e plataformas de busca inteligente<\/strong> est\u00e3o se tornando padr\u00e3o. Elas reduzem burocracia e aumentam a efici\u00eancia no processo de compra, venda e financiamento de im\u00f3veis.<\/p>\n<hr class=\"\" data-start=\"2305\" data-end=\"2308\" \/>\n<p class=\"\" data-start=\"2310\" data-end=\"2546\"><strong data-start=\"2310\" data-end=\"2340\">7. O aluguel est\u00e1 em alta?<\/strong><br data-start=\"2340\" data-end=\"2343\" \/>Sim. Com o cr\u00e9dito mais caro, muitas pessoas est\u00e3o optando pela <strong data-start=\"2407\" data-end=\"2418\">loca\u00e7\u00e3o<\/strong> ao inv\u00e9s da compra. O mercado de alugu\u00e9is, especialmente de curta dura\u00e7\u00e3o e contratos flex\u00edveis, deve crescer ao longo de 2025.<\/p>\n<hr class=\"\" data-start=\"2548\" data-end=\"2551\" \/>\n<p class=\"\" data-start=\"2553\" data-end=\"2844\"><strong data-start=\"2553\" data-end=\"2612\">8. O programa Minha Casa Minha Vida continua relevante?<\/strong><br data-start=\"2612\" data-end=\"2615\" \/>Sim. Em 2024, o programa representou cerca de <strong data-start=\"2661\" data-end=\"2698\">50% das vendas de im\u00f3veis no pa\u00eds<\/strong> e continua como principal motor de habita\u00e7\u00e3o popular em 2025. As faixas de renda e subs\u00eddios atualizados devem manter a atratividade do programa.<\/p>\n<hr class=\"\" data-start=\"2846\" data-end=\"2849\" \/>\n<p class=\"\" data-start=\"2851\" data-end=\"3154\"><strong data-start=\"2851\" data-end=\"2923\">9. Onde est\u00e3o as maiores oportunidades para comprar im\u00f3veis em 2025?<\/strong><br data-start=\"2923\" data-end=\"2926\" \/>Cidades com boa infraestrutura e polos emergentes como <strong data-start=\"2981\" data-end=\"3008\">Centro-Oeste e Nordeste<\/strong> devem seguir valorizando. S\u00e3o Paulo e Rio de Janeiro ainda concentram grandes projetos, mas outras capitais ganham destaque pelo custo-benef\u00edcio.<\/p>\n<hr class=\"\" data-start=\"3156\" data-end=\"3159\" \/>\n<p class=\"\" data-start=\"3161\" data-end=\"3392\"><strong data-start=\"3161\" data-end=\"3220\">10. Como encontrar boas oportunidades no mercado atual?<\/strong><br data-start=\"3220\" data-end=\"3223\" \/>A melhor forma \u00e9 contar com <strong data-start=\"3251\" data-end=\"3283\">dados de mercado atualizados<\/strong>, simula\u00e7\u00f5es realistas e assessoria especializada. A <strong data-start=\"3336\" data-end=\"3353\">LARYA<\/strong> oferece uma plataforma completa com:<\/p>\n<ul data-start=\"3393\" data-end=\"3483\">\n<li class=\"\" data-start=\"3393\" data-end=\"3423\">\n<p class=\"\" data-start=\"3395\" data-end=\"3423\">Simulador de financiamento<\/p>\n<\/li>\n<li class=\"\" data-start=\"3424\" data-end=\"3448\">\n<p class=\"\" data-start=\"3426\" data-end=\"3448\">Avalia\u00e7\u00e3o de im\u00f3veis<\/p>\n<\/li>\n<li class=\"\" data-start=\"3449\" data-end=\"3483\">\n<p class=\"\" data-start=\"3451\" data-end=\"3483\">Tend\u00eancias por bairro e cidade<\/p>\n<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\" data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;14778&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;3&quot;,&quot;greet&quot;:&quot;Avalie este artigo&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 voto)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Qual a tend\u00eancia do mercado imobili\u00e1rio em 2025?&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px\">\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 20.8px\">\n            <span class=\"kksr-muted\">Avalie este artigo<\/span>\n    <\/div>\n    <\/div>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content --><\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-tags'>\n\t\n\tTags:\t\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-comprar-imovel-em-2025\/?include_tag=corretor-de-imoveis\">corretor de im\u00f3veis<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-comprar-imovel-em-2025\/?include_tag=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-comprar-imovel-em-2025\/?include_tag=valor-m2\">valor m2<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-permalink'>\n\t\n\t<a href='https:\/\/larya.com.br\/blog\/ufaq\/qual-a-tendencia-do-mercado-imobiliario-em-2025\/'>\n\t\t\n\t\t\t\t <div class='ewd-ufaq-permalink-image'><\/div> \t\n\t<\/a>\n\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-14901-t3agHcoAw8' data-post_id='14901'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h4>\n\t\t\t\tQual o impacto da taxa Selic no mercado imobili\u00e1rio em 2025?\t\t\t<\/h4>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-categories'>\n\t\n\tCategory:\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-comprar-imovel-em-2025\/?include_category=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t<p class=\"\" data-start=\"154\" data-end=\"633\">A <strong data-start=\"156\" data-end=\"170\">taxa Selic<\/strong>, principal instrumento de controle da infla\u00e7\u00e3o no Brasil, tem um impacto direto e profundo no <strong data-start=\"265\" data-end=\"296\">mercado imobili\u00e1rio em 2025<\/strong>. Quando a Selic est\u00e1 alta, os juros dos <strong data-start=\"337\" data-end=\"368\">financiamentos imobili\u00e1rios<\/strong> sobem, o que reduz a capacidade de compra da popula\u00e7\u00e3o e, consequentemente, diminui o n\u00famero de transa\u00e7\u00f5es no setor. Por outro lado, uma Selic em queda \u2014 como observado em 2025 \u2014 torna o cr\u00e9dito mais barato, aquece a demanda e impulsiona a valoriza\u00e7\u00e3o dos im\u00f3veis.<\/p>\n<p class=\"\" data-start=\"635\" data-end=\"900\">Al\u00e9m disso, investidores tendem a migrar de aplica\u00e7\u00f5es de renda fixa para ativos reais, como im\u00f3veis, quando os <strong data-start=\"747\" data-end=\"798\">rendimentos banc\u00e1rios se tornam menos atrativos<\/strong>, o que pode aumentar ainda mais a procura por bens imobili\u00e1rios, principalmente nas grandes capitais.<\/p>\n<p class=\"\" data-start=\"902\" data-end=\"1258\">Para compradores, \u00e9 essencial acompanhar a Selic, pois ela influencia diretamente no <strong data-start=\"987\" data-end=\"1016\">CET (Custo Efetivo Total)<\/strong> do financiamento. Simular as condi\u00e7\u00f5es em plataformas como o <strong data-start=\"1078\" data-end=\"1137\">Simulador de Financiamento Imobili\u00e1rio da LARYA<\/strong> pode ajudar a entender como pequenas varia\u00e7\u00f5es na taxa b\u00e1sica de juros afetam o valor das parcelas e o total financiado.<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\" data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;14901&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;3&quot;,&quot;greet&quot;:&quot;Avalie este artigo&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 voto)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Qual o impacto da taxa Selic no mercado imobili\u00e1rio em 2025?&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px\">\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 20.8px\">\n            <span class=\"kksr-muted\">Avalie este artigo<\/span>\n    <\/div>\n    <\/div>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content --><\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-permalink'>\n\t\n\t<a href='https:\/\/larya.com.br\/blog\/ufaq\/qual-o-impacto-da-taxa-selic-no-mercado-imobiliario-em-2025\/'>\n\t\t\n\t\t\t\t <div class='ewd-ufaq-permalink-image'><\/div> \t\n\t<\/a>\n\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-13622-eKLiA84EUi' data-post_id='13622'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h4>\n\t\t\t\tQual valor do m2 para construir 2025?\t\t\t<\/h4>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-categories'>\n\t\n\tCategory:\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-comprar-imovel-em-2025\/?include_category=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t<p class=\"\" data-start=\"368\" data-end=\"749\"><strong data-start=\"368\" data-end=\"423\">1. Qual o valor m\u00e9dio do m\u00b2 para construir em 2025?<\/strong><br data-start=\"423\" data-end=\"426\" \/>Em 2025, o custo m\u00e9dio para construir uma casa no Brasil varia entre <strong data-start=\"495\" data-end=\"537\">R$ 1.800 e R$ 4.500 por metro quadrado<\/strong>, dependendo do padr\u00e3o da obra e da regi\u00e3o. O <strong data-start=\"583\" data-end=\"629\">valor do m\u00b2 para constru\u00e7\u00e3o de alto padr\u00e3o<\/strong> pode ultrapassar os <strong data-start=\"650\" data-end=\"665\">R$ 5.000\/m\u00b2<\/strong>, especialmente em grandes centros urbanos como S\u00e3o Paulo, Bras\u00edlia e Florian\u00f3polis.<\/p>\n<p class=\"\" data-start=\"751\" data-end=\"918\">Para saber o custo exato, acesse nossa <strong data-start=\"790\" data-end=\"884\"><a target=\"_new\" rel=\"noopener\" data-start=\"792\" data-end=\"882\">Calculadora de Reforma gratuita<\/a><\/strong> e fa\u00e7a a simula\u00e7\u00e3o personalizada.<\/p>\n<p class=\"\" data-start=\"925\" data-end=\"1303\"><strong data-start=\"925\" data-end=\"981\">2. Quanto custa construir uma casa de 100m\u00b2 em 2025?<\/strong><br data-start=\"981\" data-end=\"984\" \/>Considerando um padr\u00e3o m\u00e9dio de constru\u00e7\u00e3o, o custo estimado \u00e9 de <strong data-start=\"1050\" data-end=\"1077\">R$ 200.000 a R$ 350.000<\/strong>, dependendo dos acabamentos e da localiza\u00e7\u00e3o. Para casas de <strong data-start=\"1138\" data-end=\"1153\">alto padr\u00e3o<\/strong>, o valor pode chegar a <strong data-start=\"1177\" data-end=\"1199\">R$ 500.000 ou mais<\/strong>.<br data-start=\"1200\" data-end=\"1203\" \/>Use nossa <strong data-start=\"1216\" data-end=\"1238\">calculadora online<\/strong> e veja quanto custa construir exatamente a casa dos seus sonhos.<\/p>\n<p class=\"\" data-start=\"1310\" data-end=\"1551\"><strong data-start=\"1310\" data-end=\"1360\">3. E quanto custa construir uma casa de 150m\u00b2?<\/strong><br data-start=\"1360\" data-end=\"1363\" \/>Seguindo os mesmos par\u00e2metros, o custo de constru\u00e7\u00e3o de uma casa de 150m\u00b2 pode variar entre <strong data-start=\"1455\" data-end=\"1482\">R$ 270.000 e R$ 700.000<\/strong>, com varia\u00e7\u00f5es conforme o projeto, padr\u00e3o de acabamento e terreno.<\/p>\n<p class=\"\" data-start=\"1553\" data-end=\"1658\"><strong data-start=\"1556\" data-end=\"1565\">Dica:<\/strong> Utilize a nossa <strong data-start=\"1582\" data-end=\"1611\">calculadora de constru\u00e7\u00e3o<\/strong> para ajustar os valores ao seu or\u00e7amento real.<\/p>\n<p class=\"\" data-start=\"1665\" data-end=\"1750\"><strong data-start=\"1665\" data-end=\"1726\">4. Como calcular o valor para construir uma casa em 2025?<\/strong><br data-start=\"1726\" data-end=\"1729\" \/>O c\u00e1lculo b\u00e1sico \u00e9:<\/p>\n<blockquote data-start=\"1751\" data-end=\"1800\">\n<p class=\"\" data-start=\"1753\" data-end=\"1800\"><strong data-start=\"1753\" data-end=\"1798\">\u00e1rea constru\u00edda (m\u00b2) \u00d7 custo m\u00e9dio por m\u00b2<\/strong><\/p>\n<\/blockquote>\n<p class=\"\" data-start=\"1802\" data-end=\"1853\">Por exemplo:<br data-start=\"1814\" data-end=\"1817\" \/>150 m\u00b2 \u00d7 R$ 3.200 = <strong data-start=\"1837\" data-end=\"1851\">R$ 480.000<\/strong><\/p>\n<p class=\"\" data-start=\"1855\" data-end=\"2134\">Mas esse valor pode mudar com o padr\u00e3o do im\u00f3vel, terreno, m\u00e3o de obra e acabamento. Para um resultado mais preciso, recomendamos o uso da <strong data-start=\"1994\" data-end=\"2096\"><a target=\"_new\" rel=\"noopener\" data-start=\"1996\" data-end=\"2094\">Calculadora de Reforma da LARYA<\/a><\/strong>, que j\u00e1 considera tend\u00eancias de 2025.<\/p>\n<p class=\"\" data-start=\"2141\" data-end=\"2293\"><strong data-start=\"2141\" data-end=\"2202\">5. Como calcular o pre\u00e7o do metro quadrado de um terreno?<\/strong><br data-start=\"2202\" data-end=\"2205\" \/>Para calcular o valor por m\u00b2 de um terreno, basta dividir o pre\u00e7o total pela metragem:<\/p>\n<blockquote data-start=\"2294\" data-end=\"2351\">\n<p class=\"\" data-start=\"2296\" data-end=\"2351\">Exemplo: terreno de R$ 180.000 com 300 m\u00b2 \u2192 R$ 600\/m\u00b2<\/p>\n<\/blockquote>\n<p class=\"\" data-start=\"2353\" data-end=\"2529\">Voc\u00ea pode comparar esse valor com outros terrenos da mesma regi\u00e3o acessando o nosso <strong data-start=\"2437\" data-end=\"2491\">\u00edndice de valor do metro quadrado por bairro e rua<\/strong>, dispon\u00edvel no site da LARYA.<\/p>\n<p class=\"\" data-start=\"2536\" data-end=\"2873\"><strong data-start=\"2536\" data-end=\"2593\">6. Construir ainda \u00e9 mais barato que comprar em 2025?<\/strong><br data-start=\"2593\" data-end=\"2596\" \/>Em muitas regi\u00f5es, sim. Construir pode gerar uma <strong data-start=\"2645\" data-end=\"2668\">economia de at\u00e9 30%<\/strong> em rela\u00e7\u00e3o \u00e0 compra de im\u00f3veis prontos, especialmente se o terreno j\u00e1 estiver quitado. Mas o ideal \u00e9 comparar com os dados reais de mercado \u2013 e a <strong data-start=\"2815\" data-end=\"2872\">LARYA oferece essas compara\u00e7\u00f5es gratuitamente<\/strong>.<\/p>\n<p class=\"\" data-start=\"2880\" data-end=\"3161\"><strong data-start=\"2880\" data-end=\"2946\">7. Onde posso acompanhar o valor do metro quadrado por regi\u00e3o?<\/strong><br data-start=\"2946\" data-end=\"2949\" \/>Acesse o portal da <strong data-start=\"2968\" data-end=\"2985\">LARYA<\/strong> e consulte <strong data-start=\"2997\" data-end=\"3058\">valores por m\u00b2 em mais de 50 mil ruas e bairros do Brasil<\/strong>. Os dados s\u00e3o atualizados com base em transa\u00e7\u00f5es reais, tend\u00eancias do mercado e \u00edndices como o CUB\/m\u00b2.<\/p>\n<p>\u00a0<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\" data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;13622&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;3&quot;,&quot;greet&quot;:&quot;Avalie este artigo&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 voto)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Qual valor do m2 para construir 2025?&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px\">\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 20.8px\">\n            <span class=\"kksr-muted\">Avalie este artigo<\/span>\n    <\/div>\n    <\/div>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content --><\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-tags'>\n\t\n\tTags:\t\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-comprar-imovel-em-2025\/?include_tag=corretor-de-imoveis\">corretor de im\u00f3veis<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-comprar-imovel-em-2025\/?include_tag=financiamento-construcao\">financiamento constru\u00e7\u00e3o<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-comprar-imovel-em-2025\/?include_tag=financiar-terrenos\">financiar terrenos<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-comprar-imovel-em-2025\/?include_tag=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-permalink'>\n\t\n\t<a href='https:\/\/larya.com.br\/blog\/ufaq\/qual-valor-do-m2-para-construir-2024\/'>\n\t\t\n\t\t\t\t <div class='ewd-ufaq-permalink-image'><\/div> \t\n\t<\/a>\n\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-14900-5WbxZtCJQW' data-post_id='14900'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h4>\n\t\t\t\tVale a pena comprar im\u00f3vel em 2025?\t\t\t<\/h4>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-categories'>\n\t\n\tCategory:\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-comprar-imovel-em-2025\/?include_category=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t<p class=\"\" data-start=\"132\" data-end=\"539\">Comprar um im\u00f3vel em 2025 pode ser uma excelente oportunidade, principalmente diante da <strong data-start=\"220\" data-end=\"251\">queda gradual da taxa Selic<\/strong>, que reduz o custo do cr\u00e9dito imobili\u00e1rio e torna os <strong data-start=\"305\" data-end=\"339\">financiamentos mais acess\u00edveis<\/strong>. Al\u00e9m disso, os <strong data-start=\"356\" data-end=\"385\">pre\u00e7os por metro quadrado<\/strong> em algumas regi\u00f5es ainda n\u00e3o atingiram seu pico, permitindo que compradores fa\u00e7am <strong data-start=\"468\" data-end=\"488\">boas negocia\u00e7\u00f5es<\/strong> e conquistem im\u00f3veis com potencial de valoriza\u00e7\u00e3o.<\/p>\n<p class=\"\" data-start=\"541\" data-end=\"918\">Outro ponto favor\u00e1vel \u00e9 o avan\u00e7o da <strong data-start=\"577\" data-end=\"612\">tecnologia na jornada de compra<\/strong>, com <strong data-start=\"618\" data-end=\"662\">simuladores de financiamento imobili\u00e1rio<\/strong>, <strong data-start=\"664\" data-end=\"696\">avalia\u00e7\u00f5es de im\u00f3veis online<\/strong> e ferramentas que permitem comparar bairros, valores e tend\u00eancias em tempo real. Plataformas como LARYA oferecem <strong data-start=\"818\" data-end=\"853\">avalia\u00e7\u00f5es gratuitas de im\u00f3veis<\/strong> e dados confi\u00e1veis para quem deseja tomar decis\u00f5es mais seguras.<\/p>\n<p class=\"\" data-start=\"920\" data-end=\"1344\">No entanto, vale lembrar que o mercado segue din\u00e2mico e regionalizado. \u00c9 fundamental considerar o <strong data-start=\"1018\" data-end=\"1041\">perfil do comprador<\/strong>, seus objetivos (moradia ou investimento), e o <strong data-start=\"1089\" data-end=\"1127\">potencial de valoriza\u00e7\u00e3o do bairro<\/strong>. Em regi\u00f5es com alta liquidez e infraestrutura crescente, o retorno pode ser bastante atrativo. Para quem busca seguran\u00e7a patrimonial e prote\u00e7\u00e3o contra a infla\u00e7\u00e3o, o <strong data-start=\"1294\" data-end=\"1343\">im\u00f3vel continua sendo um ativo s\u00f3lido em 2025<\/strong>.<\/p>\n<p class=\"\" data-start=\"1346\" data-end=\"1528\">\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\" data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;14900&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;3&quot;,&quot;greet&quot;:&quot;Avalie este artigo&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 voto)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Vale a pena comprar im\u00f3vel em 2025?&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px\">\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 20.8px\">\n            <span class=\"kksr-muted\">Avalie este artigo<\/span>\n    <\/div>\n    <\/div>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content --><\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-permalink'>\n\t\n\t<a href='https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-comprar-imovel-em-2025\/'>\n\t\t\n\t\t\t\t <div class='ewd-ufaq-permalink-image'><\/div> \t\n\t<\/a>\n\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div>\n\t<\/div>\n\n\t\n<\/div>\n<div style=\"margin-top: 60px; background-color: #fafafa; padding: 30px; border-radius: 12px; border-top: 1px solid #eee;\">\n<h3 style=\"font-size: 1.2rem; color: #333; margin-bottom: 20px;\"><strong>Guias Relacionados:<\/strong><\/h3>\n<ul style=\"list-style: none; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 15px;\">\n<li><a style=\"color: #041f30; text-decoration: none; border-bottom: 1px solid #ddd; padding-bottom: 5px; display: block;\" href=\"https:\/\/larya.com.br\/go-casa\">&#x1f6e1;&#xfe0f; Assessoria LARYA Go Casa<\/a><\/li>\n<li><a style=\"color: #041f30; text-decoration: none; border-bottom: 1px solid #ddd; padding-bottom: 5px; display: block;\" href=\"https:\/\/larya.com.br\/simulador-de-financiamento-imobiliario\">&#x1f9ee; Simulador de Financiamento<\/a><\/li>\n<li><a style=\"color: #041f30; text-decoration: none; border-bottom: 1px solid #ddd; padding-bottom: 5px; display: block;\" href=\"https:\/\/larya.com.br\/itbi\">Calculadora de ITBI por Cidade<\/a><\/li>\n<li><a style=\"color: #041f30; text-decoration: none; border-bottom: 1px solid #ddd; padding-bottom: 5px; display: block;\" href=\"https:\/\/larya.com.br\/blog\/custos-fechamento-imovel-2026\/\">Custos de Fechamento 2026<\/a><\/li>\n<li><a style=\"color: #041f30; text-decoration: none; border-bottom: 1px solid #ddd; padding-bottom: 5px; display: block;\" href=\"https:\/\/larya.com.br\/blog\/tabela-price-vale-a-pena-quando-escolher\">SAC vs Tabela Price 2026<\/a><\/li>\n<li><a style=\"color: #041f30; text-decoration: none; border-bottom: 1px solid #ddd; padding-bottom: 5px; display: block;\" href=\"https:\/\/larya.com.br\/blog\/como-usar-o-fgts-para-comprar-uma-casa\/\">Como usar FGTS na compra<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\"\n    data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;14900&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;3&quot;,&quot;greet&quot;:&quot;Avalie este artigo&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 voto)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Vale a pena comprar im\u00f3vel em 2025?&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 20.8px;\">\n            <span class=\"kksr-muted\">Avalie este artigo<\/span>\n    <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>A Vale a pena comprar im\u00f3vel em 2025? Category: Mercado Imobili\u00e1rio Comprar um im\u00f3vel em 2025 pode ser uma excelente oportunidade, principalmente diante da queda gradual da taxa Selic, que reduz o custo do cr\u00e9dito imobili\u00e1rio e torna os financiamentos mais acess\u00edveis. Al\u00e9m disso, os pre\u00e7os por metro quadrado em algumas regi\u00f5es ainda n\u00e3o atingiram&#8230;<!-- AddThis Advanced Settings generic via filter on get_the_excerpt --><!-- AddThis Share Buttons generic via filter on get_the_excerpt --><\/p>\n","protected":false},"author":52,"featured_media":15120,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"_kad_post_transparent":"default","_kad_post_title":"default","_kad_post_layout":"default","_kad_post_sidebar_id":"","_kad_post_content_style":"default","_kad_post_vertical_padding":"default","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[2540,67],"tags":[2582,2565,35,2338,2567,2564,2563,40,968,154,2566],"class_list":["post-12093","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guia-do-comprador","category-mercado-imobiliario-2026","tag-compra-de-imovel","tag-compra-de-imovel-na-planta","tag-comprar-casa","tag-comprar-imovel-na-planta","tag-documentacao-imobiliaria","tag-documentos-para-compra-de-imovel","tag-documentos-para-comprar-imovel-na-planta","tag-fgts","tag-financiamento-imobiliario","tag-imoveis","tag-regularizacao-de-obra"],"aioseo_notices":[],"jetpack_featured_media_url":"https:\/\/larya.com.br\/blog\/wp-content\/uploads\/2024\/12\/projetos-arquitetonicos-planejamento-construcao-civil.webp","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/12093","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/users\/52"}],"replies":[{"embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/comments?post=12093"}],"version-history":[{"count":3,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/12093\/revisions"}],"predecessor-version":[{"id":18070,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/12093\/revisions\/18070"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/media\/15120"}],"wp:attachment":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/media?parent=12093"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/categories?post=12093"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/tags?post=12093"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}