{"id":12971,"date":"2026-04-29T07:00:04","date_gmt":"2026-04-29T10:00:04","guid":{"rendered":"https:\/\/www.agenteimovel.com.br\/noticias\/?p=12971"},"modified":"2026-04-29T18:44:04","modified_gmt":"2026-04-29T21:44:04","slug":"cet-custo-efetivo-total-para-financiamento-imobiliario","status":"publish","type":"post","link":"https:\/\/larya.com.br\/blog\/cet-custo-efetivo-total-para-financiamento-imobiliario\/","title":{"rendered":"O que \u00e9 o Custo Efetivo Total no financiamento imobili\u00e1rio"},"content":{"rendered":"<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Article\",\n  \"headline\": \"CET: O que \u00e9 Custo Efetivo Total e Como Calcular no Financiamento Imobili\u00e1rio 2026\",\n  \"description\": \"Guia completo sobre CET no financiamento imobili\u00e1rio: o que \u00e9, como calcular, por que um banco com juros menores pode ser mais caro e como comparar usando o simulador LARYA.\",\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\": \"2026-01-20\",\n  \"dateModified\": \"2026-04-29\",\n  \"aggregateRating\": {\n    \"@type\": \"AggregateRating\",\n    \"ratingValue\": \"4.8\",\n    \"reviewCount\": \"214\",\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 encontrar e comparar o CET no financiamento imobili\u00e1rio\",\n  \"description\": \"Passo a passo para identificar o Custo Efetivo Total e escolher o banco mais barato antes de assinar o contrato.\",\n  \"totalTime\": \"PT10M\",\n  \"step\": [\n    {\n      \"@type\": \"HowToStep\",\n      \"position\": 1,\n      \"name\": \"Pe\u00e7a a planilha de simula\u00e7\u00e3o completa\",\n      \"text\": \"Solicite ao banco a planilha completa de simula\u00e7\u00e3o do financiamento \u2014 n\u00e3o apenas o resumo verbal ou o folheto de marketing.\"\n    },\n    {\n      \"@type\": \"HowToStep\",\n      \"position\": 2,\n      \"name\": \"Localize o campo CET na planilha\",\n      \"text\": \"Procure nas linhas finais do resumo pelo campo 'Custo Efetivo Total (CET) a.a.' \u2014 ignore a taxa de juros nominal anunciada na propaganda.\"\n    },\n    {\n      \"@type\": \"HowToStep\",\n      \"position\": 3,\n      \"name\": \"Verifique os seguros MIP e DFI\",\n      \"text\": \"Confirme o valor dos seguros obrigat\u00f3rios para sua faixa et\u00e1ria. Eles podem fazer um banco com juros menores ser mais caro no total.\"\n    },\n    {\n      \"@type\": \"HowToStep\",\n      \"position\": 4,\n      \"name\": \"Compare o CET entre bancos simultaneamente\",\n      \"text\": \"Use o simulador gratuito da LARYA para comparar o CET real de Caixa, Ita\u00fa, Bradesco, Santander e outros bancos em uma \u00fanica simula\u00e7\u00e3o.\"\n    },\n    {\n      \"@type\": \"HowToStep\",\n      \"position\": 5,\n      \"name\": \"Escolha o banco com menor CET\",\n      \"text\": \"O banco com o menor CET \u00e9 o mais barato, independentemente da taxa de juros nominal anunciada. Esta \u00e9 a \u00fanica m\u00e9trica que importa.\"\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 CET no financiamento imobili\u00e1rio?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"CET significa Custo Efetivo Total. \u00c9 a soma de todos os encargos de um financiamento \u2014 juros, seguros MIP e DFI, tarifas e impostos \u2014 expressa em porcentagem anual. \u00c9 a \u00fanica m\u00e9trica que permite comparar o custo real entre bancos diferentes.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Por que um banco com juros menores pode ser mais caro?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Porque a taxa de juros nominal n\u00e3o inclui seguros obrigat\u00f3rios, tarifas de administra\u00e7\u00e3o e outros custos. Um banco pode anunciar 9,5% a.a. mas ter um CET de 11,8% a.a. enquanto outro banco com 10% a.a. tem CET de 11,2% a.a. \u2014 sendo este \u00faltimo o mais barato no total.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"O que comp\u00f5e o CET de um financiamento?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"O CET \u00e9 composto por: (1) Taxa de juros nominal \u2014 a remunera\u00e7\u00e3o do banco; (2) Seguro MIP \u2014 Morte e Invalidez Permanente, que varia conforme a idade; (3) Seguro DFI \u2014 Danos F\u00edsicos ao Im\u00f3vel; (4) Tarifas de administra\u00e7\u00e3o mensal (TSA, aprox. R$25\/m\u00eas); (5) Taxa de avalia\u00e7\u00e3o do im\u00f3vel.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Como encontrar o CET na simula\u00e7\u00e3o do banco?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Nas planilhas de simula\u00e7\u00e3o de Caixa, Ita\u00fa, Bradesco e Santander, o CET aparece nas linhas finais do resumo do contrato, identificado como 'Custo Efetivo Total (CET) a.a.' ou 'CET ao ano'. Pela Resolu\u00e7\u00e3o CMN n\u00ba 3.517\/2007, todos os bancos s\u00e3o obrigados a informar este valor antes da assinatura.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Qual a diferen\u00e7a entre CET e taxa de juros?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A taxa de juros \u00e9 apenas o custo do dinheiro emprestado pelo banco. O CET inclui a taxa de juros mais todos os outros custos obrigat\u00f3rios: seguros, tarifas e impostos. Sempre compare o CET \u2014 nunca a taxa de juros nominal \u2014 ao escolher entre bancos.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Como usar o CET para fazer portabilidade de cr\u00e9dito?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Se voc\u00ea encontrar um banco com CET menor do que o do seu contrato atual, voc\u00ea tem o direito legal de fazer a portabilidade de cr\u00e9dito. Em 2026, com o Open Finance, o processo ficou mais simples. A LARYA gerencia todo o processo de portabilidade sem custo adicional.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n<p style=\"font-size: 0.9em; color: #777777; text-align: left;\">Atualizado em: 29\/04\/2026 | Leitura estimada: 9 min<\/p>\n<p style=\"text-align: left;\">Voc\u00ea sabia que um banco pode oferecer uma taxa de juros de 9% e, ainda assim, ser <strong>mais caro<\/strong> que outro que cobra 10%? Parece matematicamente imposs\u00edvel, mas \u00e9 exatamente isso que acontece no mercado imobili\u00e1rio brasileiro todos os dias.<\/p>\n<p style=\"text-align: left;\">O segredo por tr\u00e1s dessa &#8220;pegadinha&#8221; tem tr\u00eas letras: <strong>CET (Custo Efetivo Total)<\/strong>. Se voc\u00ea olhar apenas para a taxa de juros nominal ao assinar um contrato em <strong>2026<\/strong>, corre o risco de pagar <strong>dezenas de milhares de reais a mais<\/strong> sem perceber.<\/p>\n<p style=\"text-align: left;\">Neste guia definitivo da <strong>LARYA<\/strong>, vamos dissecar o CET, explicar a regulamenta\u00e7\u00e3o do Banco Central que protege voc\u00ea e mostrar como usar esse n\u00famero para garantir o financiamento mais barato do mercado \u2014 com a Selic em <strong>14,75% a.a.<\/strong> em 2026, essa an\u00e1lise nunca foi t\u00e3o importante.<\/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\/cet-custo-efetivo-total-para-financiamento-imobiliario\/\"><img decoding=\"async\" src=\"https:\/\/larya.com.br\/blog\/wp-content\/plugins\/cta\/shared\/shortcodes\/images\/facebook@2x.png\"><\/a><a 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rgb(0, 172, 238) !important;\r\n\t\t\t}\r\n\t\t\ta.mt-share-inline-square-bw-sm.mt-facebook:hover {\r\n\t\t\tbackground-color: rgb(59, 89, 152) !important;\r\n\t\t\t}\r\n\t\t\ta.mt-share-inline-square-bw-sm.mt-pinterest:hover{\r\n\t\t\tbackground-color: #dd2a30 !important;\r\n\t\t\t}\r\n\t\t\ta.mt-share-inline-square-bw-sm {\r\n\t\t\tdisplay: inline-block;\r\n\t\t\twidth: 34px;\r\n\t\t\theight: 34px;\r\n\t\t\tborder-top-left-radius: 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;\">&#x26a0;&#xfe0f; N\u00e3o seja enganado pela taxa de juros!<\/h3>\n<p style=\"color: #333; margin-bottom: 15px;\">A LARYA compara o <strong>CET real<\/strong> de Caixa, Ita\u00fa, Bradesco, Santander e BRB \u2014 incluindo seguros e tarifas \u2014 em uma \u00fanica simula\u00e7\u00e3o gratuita.<\/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; font-size: 1rem;\" href=\"https:\/\/larya.com.br\/simulador-de-financiamento-imobiliario?form=Melhor-taxas-de-juros\"><strong>Comparar o Custo Real Agora \u2192<\/strong><\/a><\/p>\n<\/div>\n<h2 style=\"text-align: left; color: #041f30; font-weight: 800;\">1. O que \u00e9 o Custo Efetivo Total (CET)?<\/h2>\n<p style=\"text-align: left;\">O <strong>Custo Efetivo Total (CET)<\/strong> \u00e9 a m\u00e9trica definitiva de custo de um financiamento. Ele representa a soma de <strong>todos<\/strong> os encargos, despesas, tributos e taxas que o consumidor paga, transformados em uma porcentagem anual.<\/p>\n<p style=\"text-align: left;\">Pense no financiamento como um iceberg. A <strong>Taxa de Juros<\/strong> \u00e9 apenas a ponta vis\u00edvel \u2014 o que o banco anuncia na propaganda. O <strong>CET<\/strong> \u00e9 o iceberg inteiro, incluindo a parte submersa: seguros, tarifas e impostos.<\/p>\n<div style=\"background-color: #f8f9fa; border-radius: 12px; padding: 25px; margin: 30px 0; border: 1px solid #e9ecef;\">\n<h3 style=\"margin-top: 0; color: #041f30;\">&#x2696;&#xfe0f; A Regulamenta\u00e7\u00e3o do Banco Central<\/h3>\n<p style=\"margin-bottom: 0;\">O CET foi institu\u00eddo pela <strong><a href=\"https:\/\/www.bcb.gov.br\/estabilidadefinanceira\/exibenormativo?tipo=Resolu%C3%A7%C3%A3o&amp;data=2007-12-06&amp;numero=3517\" target=\"_blank\" rel=\"nofollow noopener\">Resolu\u00e7\u00e3o CMN n\u00ba 3.517\/2007<\/a><\/strong> do Conselho Monet\u00e1rio Nacional. Esta resolu\u00e7\u00e3o <strong>obriga<\/strong> todos os bancos a informarem o CET antes da contrata\u00e7\u00e3o. Se o banco n\u00e3o informar, voc\u00ea pode exigir \u2014 \u00e9 um direito legal do consumidor.<\/p>\n<\/div>\n<h2 style=\"text-align: left; color: #041f30; font-weight: 800;\">2. A Anatomia do CET: O que voc\u00ea est\u00e1 pagando?<\/h2>\n<p style=\"text-align: left;\">Para entender por que um banco \u00e9 mais caro que outro, voc\u00ea precisa abrir a &#8220;caixa preta&#8221; do CET. Ele \u00e9 composto por quatro pilares:<\/p>\n<div style=\"display: flex; flex-wrap: wrap; gap: 15px; margin: 30px 0;\">\n<div style=\"flex: 1; min-width: 200px; background: #fff; border: 1px solid #eee; padding: 20px; border-radius: 8px; box-shadow: 0 4px 6px rgba(0,0,0,0.05);\"><strong style=\"color: #c0392b; font-size: 1.1em;\">1. Juros (A maior fatia)<\/strong><\/p>\n<p style=\"font-size: 0.9em; color: #555; margin-bottom: 0;\">A remunera\u00e7\u00e3o do banco pelo empr\u00e9stimo. Em 2026, as taxas SFH partem de 11,19% a.a. na Caixa. Pode ser atrelada \u00e0 TR, Poupan\u00e7a ou IPCA.<\/p>\n<\/div>\n<div style=\"flex: 1; min-width: 200px; background: #fff; border: 1px solid #eee; padding: 20px; border-radius: 8px; box-shadow: 0 4px 6px rgba(0,0,0,0.05);\"><strong style=\"color: #e67e22; font-size: 1.1em;\">2. Seguro MIP (Obrigat\u00f3rio)<\/strong><\/p>\n<p style=\"font-size: 0.9em; color: #555; margin-bottom: 0;\">Morte e Invalidez Permanente. <strong>Varia conforme a idade<\/strong> \u2014 pode representar at\u00e9 5% da parcela. \u00c9 o maior &#8220;custo oculto&#8221; entre bancos.<\/p>\n<\/div>\n<div style=\"flex: 1; min-width: 200px; background: #fff; border: 1px solid #eee; padding: 20px; border-radius: 8px; box-shadow: 0 4px 6px rgba(0,0,0,0.05);\"><strong style=\"color: #27ae60; font-size: 1.1em;\">3. Seguro DFI (Obrigat\u00f3rio)<\/strong><\/p>\n<p style=\"font-size: 0.9em; color: #555; margin-bottom: 0;\">Danos F\u00edsicos ao Im\u00f3vel. Protege o bem financiado contra inc\u00eandio, desabamento e outros danos estruturais. Valor fixo e relativamente baixo.<\/p>\n<\/div>\n<div style=\"flex: 1; min-width: 200px; background: #fff; border: 1px solid #eee; padding: 20px; border-radius: 8px; box-shadow: 0 4px 6px rgba(0,0,0,0.05);\"><strong style=\"color: #2980b9; font-size: 1.1em;\">4. Tarifas (TSA)<\/strong><\/p>\n<p style=\"font-size: 0.9em; color: #555; margin-bottom: 0;\">Taxa de administra\u00e7\u00e3o mensal (~R$25,00) e taxa de avalia\u00e7\u00e3o do im\u00f3vel (~R$3.500). Dilu\u00eddas no CET ao longo do contrato.<\/p>\n<\/div>\n<\/div>\n<div style=\"background-color: #fff3cd; border-left: 5px solid #ffc107; padding: 20px; margin: 25px 0; border-radius: 0 8px 8px 0;\"><strong>&#x1f3af; O Peso Oculto do Seguro MIP por Idade (Abril\/2026):<\/strong><\/p>\n<ul style=\"margin-top: 10px; margin-bottom: 0;\">\n<li><strong>Cliente de 25 anos:<\/strong> MIP ~0,012% ao m\u00eas \u2192 CET pr\u00f3ximo \u00e0 taxa nominal<\/li>\n<li><strong>Cliente de 40 anos:<\/strong> MIP ~0,028% ao m\u00eas \u2192 CET sobe ~0,4% a.a.<\/li>\n<li><strong>Cliente de 55 anos:<\/strong> MIP ~0,065% ao m\u00eas \u2192 CET sobe ~1,2% a.a.<\/li>\n<\/ul>\n<p style=\"margin-top: 10px; margin-bottom: 0;\">Por isso dois clientes no <strong>mesmo banco, com a mesma taxa<\/strong>, pagam parcelas diferentes.<\/p>\n<\/div>\n<h2 style=\"text-align: left; color: #041f30; font-weight: 800;\">3. Estudo de Caso: Taxa Menor nem sempre \u00e9 Melhor<\/h2>\n<p style=\"text-align: left;\">Vamos provar com n\u00fameros reais. Financiamento de <strong>R$500.000<\/strong> em 360 meses, cliente de 45 anos:<\/p>\n<div style=\"overflow-x: auto; margin: 20px 0; border-radius: 10px; border: 1px solid #ddd;\">\n<table style=\"width: 100%; border-collapse: collapse; min-width: 600px;\">\n<thead>\n<tr style=\"background-color: #041f30; color: white;\">\n<th style=\"padding: 14px; text-align: left;\">Componente<\/th>\n<th style=\"padding: 14px; text-align: center;\">Banco A (Marketing Agressivo)<\/th>\n<th style=\"padding: 14px; text-align: center;\">Banco B (LARYA Recomenda)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"border-bottom: 1px solid #eee;\">\n<td style=\"padding: 12px; font-weight: bold;\">Taxa de Juros Nominal<\/td>\n<td style=\"padding: 12px; text-align: center; color: #27ae60; font-weight: bold;\">9,50% a.a. &#x2705; Menor<\/td>\n<td style=\"padding: 12px; text-align: center;\">10,00% a.a.<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #eee;\">\n<td style=\"padding: 12px; font-weight: bold;\">Seguro MIP (45 anos)<\/td>\n<td style=\"padding: 12px; text-align: center; color: #c62828;\">R$320\/m\u00eas (Seguradora cara)<\/td>\n<td style=\"padding: 12px; text-align: center; color: #27ae60;\">R$140\/m\u00eas (Seguradora justa)<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #eee;\">\n<td style=\"padding: 12px; font-weight: bold;\">Tarifa TSA<\/td>\n<td style=\"padding: 12px; text-align: center;\">R$35\/m\u00eas<\/td>\n<td style=\"padding: 12px; text-align: center;\">R$25\/m\u00eas<\/td>\n<\/tr>\n<tr style=\"background-color: #fff3cd; border-bottom: 2px solid #ffc107;\">\n<td style=\"padding: 14px; font-weight: bold;\">&#x26a1; CET FINAL (O que importa)<\/td>\n<td style=\"padding: 14px; text-align: center; font-weight: bold; color: #c62828; font-size: 1.1em;\">11,80% a.a. &#x274c;<\/td>\n<td style=\"padding: 14px; text-align: center; font-weight: bold; color: #27ae60; font-size: 1.1em;\">11,20% a.a. &#x1f3c6;<\/td>\n<\/tr>\n<tr style=\"background-color: #ffebee;\">\n<td style=\"padding: 12px; font-weight: bold; color: #c62828;\">&#x1f4b8; Custo extra em 30 anos<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #c62828;\">+R$78.400<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #27ae60;\">Refer\u00eancia<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p style=\"text-align: left;\"><strong>Conclus\u00e3o:<\/strong> O Banco A atraiu o cliente com juros baixos, mas &#8220;escondeu&#8221; o lucro nos seguros. O Banco B, mesmo com juros maiores, \u00e9 R$78.400 mais barato ao longo do contrato. <strong>A \u00fanica forma de descobrir isso \u00e9 simulando o CET completo.<\/strong><\/p>\n<div style=\"width: 100%; text-align: center; margin: 35px 0;\">\n<p style=\"color: #666; font-size: 16px; margin-bottom: 15px;\">Descubra qual banco tem o menor CET para o seu perfil:<\/p>\n<p><a style=\"display: inline-block; background-color: #fe1637; color: #ffffff; padding: 18px 50px; text-decoration: none; border-radius: 50px; font-weight: bold; font-family: 'Montserrat', sans-serif; font-size: 1.1rem; box-shadow: 0 4px 15px rgba(254,22,55,0.4);\" href=\"https:\/\/larya.com.br\/simulador-habitacional\"><strong>Calcular CET Real Agora \u2192<\/strong><\/a><\/p>\n<p style=\"margin-top: 12px; font-size: 0.85rem; color: #888;\">Simula\u00e7\u00e3o gratuita. Resultado em 2 minutos.<\/p>\n<\/div>\n<h2 style=\"text-align: left; color: #041f30; font-weight: 800;\">4. O Impacto do CET no seu Bolso em 30 Anos<\/h2>\n<p style=\"text-align: left;\">Muitos compradores ignoram uma diferen\u00e7a de &#8220;apenas&#8221; 0,5% no CET. Mas em um contrato de 30 anos, o impacto dos juros compostos \u00e9 brutal:<\/p>\n<div style=\"display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 20px; margin: 30px 0;\">\n<div style=\"background: #e8f5e9; border-radius: 12px; padding: 20px; text-align: center; border-top: 4px solid #28a745;\"><span style=\"display: block; font-size: 0.85rem; color: #555; font-weight: bold; text-transform: uppercase;\">Im\u00f3vel R$500k<\/span><br \/>\n<span style=\"display: block; font-size: 1.8rem; font-weight: 800; color: #1b5e20;\">R$40.000<\/span><br \/>\n<span style=\"display: block; font-size: 0.85rem; color: #555;\">economia com 0,5% menor no CET<\/span><\/div>\n<div style=\"background: #fff3e0; border-radius: 12px; padding: 20px; text-align: center; border-top: 4px solid #ff9800;\"><span style=\"display: block; font-size: 0.85rem; color: #555; font-weight: bold; text-transform: uppercase;\">Im\u00f3vel R$800k<\/span><br \/>\n<span style=\"display: block; font-size: 1.8rem; font-weight: 800; color: #e65100;\">R$70.000<\/span><br \/>\n<span style=\"display: block; font-size: 0.85rem; color: #555;\">economia com 0,5% menor no CET<\/span><\/div>\n<div style=\"background: #ffebee; border-radius: 12px; padding: 20px; text-align: center; border-top: 4px solid #fe1637;\"><span style=\"display: block; font-size: 0.85rem; color: #555; font-weight: bold; text-transform: uppercase;\">Im\u00f3vel R$1,5M<\/span><br \/>\n<span style=\"display: block; font-size: 1.8rem; font-weight: 800; color: #c62828;\">R$130.000<\/span><br \/>\n<span style=\"display: block; font-size: 0.85rem; color: #555;\">economia com 0,5% menor no CET<\/span><\/div>\n<\/div>\n<h3 style=\"color: #041f30;\">Como o CET ajuda na Portabilidade em 2026?<\/h3>\n<p style=\"text-align: left;\">Com a evolu\u00e7\u00e3o do <strong>Open Finance<\/strong> em 2026, a portabilidade de cr\u00e9dito tornou-se mais acess\u00edvel e r\u00e1pida. O CET \u00e9 sua principal ferramenta de negocia\u00e7\u00e3o: se voc\u00ea encontrar um banco com CET menor do que o do seu contrato atual, voc\u00ea tem o <strong>direito legal<\/strong> de migrar sua d\u00edvida \u2014 sem pagar ITBI novamente.<\/p>\n<div style=\"background-color: #e3f2fd; border-left: 6px solid #2196f3; padding: 20px; margin: 25px 0; border-radius: 0 8px 8px 0;\"><strong style=\"color: #0d47a1;\">&#x1f4a1; Dica LARYA \u2014 Portabilidade Estrat\u00e9gica:<\/strong><\/p>\n<p style=\"margin-top: 8px; margin-bottom: 0;\">Financie agora no banco com menor CET dispon\u00edvel. Se a Selic cair em 2026\/2027, use a portabilidade para migrar para uma taxa ainda menor \u2014 mantendo o pre\u00e7o de aquisi\u00e7\u00e3o travado de hoje. Para saber mais, consulte as diretrizes da <a style=\"color: #0d47a1; font-weight: bold;\" href=\"https:\/\/www.abecip.org.br\/\" target=\"_blank\" rel=\"noopener\">ABECIP<\/a> e do <a style=\"color: #0d47a1; font-weight: bold;\" href=\"https:\/\/www.bcb.gov.br\/estabilidadefinanceira\/credimob\" target=\"_blank\" rel=\"noopener\">Banco Central<\/a>.<\/p>\n<\/div>\n<h2 style=\"text-align: left; color: #041f30; font-weight: 800;\">5. Como encontrar o CET no contrato ou simula\u00e7\u00e3o?<\/h2>\n<p style=\"text-align: left;\">Pela Resolu\u00e7\u00e3o CMN n\u00ba 3.517\/2007, o CET deve ser destacado em toda simula\u00e7\u00e3o banc\u00e1ria. Ao pegar a planilha da Caixa, Ita\u00fa ou Santander, procure nas linhas finais do resumo:<\/p>\n<div style=\"overflow-x: auto; margin: 20px 0; border-radius: 10px; border: 1px solid #ddd;\">\n<table style=\"width: 100%; border-collapse: collapse; min-width: 500px;\">\n<thead>\n<tr style=\"background-color: #041f30; color: white;\">\n<th style=\"padding: 14px; text-align: left;\">Campo na Planilha<\/th>\n<th style=\"padding: 14px; text-align: left;\">O que significa<\/th>\n<th style=\"padding: 14px; text-align: center;\">Usar para comparar?<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"border-bottom: 1px solid #eee; background-color: #ffebee;\">\n<td style=\"padding: 12px; font-weight: bold;\">Taxa de Juros Nominal (a.a.)<\/td>\n<td style=\"padding: 12px;\">O valor &#8220;bruto&#8221; anunciado na propaganda<\/td>\n<td style=\"padding: 12px; text-align: center; color: #c62828; font-weight: bold;\">&#x274c; N\u00e3o<\/td>\n<\/tr>\n<tr style=\"background-color: #e8f5e9;\">\n<td style=\"padding: 12px; font-weight: bold;\">Custo Efetivo Total \u2014 CET (a.a.)<\/td>\n<td style=\"padding: 12px;\">O custo real com todos os encargos inclu\u00eddos<\/td>\n<td style=\"padding: 12px; text-align: center; color: #28a745; font-weight: bold;\">&#x2705; Sempre<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div style=\"background-color: #041f30; color: white; padding: 20px; border-radius: 12px; margin: 25px 0; text-align: center;\"><strong style=\"font-size: 1.1rem;\">&#x1f3c6; Ranking CET \u2014 Melhores Bancos SFH (Abril\/2026)<\/strong><\/p>\n<p style=\"margin: 12px 0 5px 0; font-size: 0.9rem; opacity: 0.8;\">Simula\u00e7\u00e3o base: R$500k financiados, SAC 360 meses, cliente 35 anos<\/p>\n<div style=\"display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); gap: 10px; margin-top: 15px;\">\n<div style=\"background: rgba(255,255,255,0.1); padding: 12px; border-radius: 8px;\"><span style=\"display: block; font-size: 0.75rem; opacity: 0.7;\">&#x1f947; Caixa<\/span><br \/>\n<span style=\"display: block; font-weight: 800; font-size: 1.1rem;\">~12,1% CET<\/span><\/div>\n<div style=\"background: rgba(255,255,255,0.1); padding: 12px; border-radius: 8px;\"><span style=\"display: block; font-size: 0.75rem; opacity: 0.7;\">&#x1f948; BRB<\/span><br \/>\n<span style=\"display: block; font-weight: 800; font-size: 1.1rem;\">~12,3% CET<\/span><\/div>\n<div style=\"background: rgba(255,255,255,0.1); padding: 12px; border-radius: 8px;\"><span style=\"display: block; font-size: 0.75rem; opacity: 0.7;\">&#x1f949; Ita\u00fa<\/span><br \/>\n<span style=\"display: block; font-weight: 800; font-size: 1.1rem;\">~12,6% CET<\/span><\/div>\n<div style=\"background: rgba(255,255,255,0.1); padding: 12px; border-radius: 8px;\"><span style=\"display: block; font-size: 0.75rem; opacity: 0.7;\">Santander<\/span><br \/>\n<span style=\"display: block; font-weight: 800; font-size: 1.1rem;\">~12,7% CET<\/span><\/div>\n<div style=\"background: rgba(255,255,255,0.1); padding: 12px; border-radius: 8px;\"><span style=\"display: block; font-size: 0.75rem; opacity: 0.7;\">Bradesco<\/span><br \/>\n<span style=\"display: block; font-weight: 800; font-size: 1.1rem;\">~12,8% CET<\/span><\/div>\n<\/div>\n<p style=\"font-size: 0.75rem; opacity: 0.6; margin-top: 12px; margin-bottom: 0;\">*CET estimado incluindo MIP\/DFI para perfil padr\u00e3o. Varia conforme idade e relacionamento banc\u00e1rio.<\/p>\n<\/div>\n<h2 style=\"text-align: left; color: #041f30; font-weight: 800;\">6. Conclus\u00e3o: A LARYA faz a conta dif\u00edcil para voc\u00ea<\/h2>\n<p style=\"text-align: left;\">Entender o CET \u00e9 a diferen\u00e7a entre fazer um bom neg\u00f3cio e pagar juros excessivos por 30 anos. N\u00e3o confie apenas na palavra do gerente \u2014 ele \u00e9 remunerado para vender o produto do pr\u00f3prio banco.<\/p>\n<p style=\"text-align: left;\">A <strong>LARYA<\/strong> \u00e9 independente. Nossa tecnologia compara o CET real de todos os bancos \u2014 incluindo seguros e tarifas ocultas \u2014 e apresenta a melhor op\u00e7\u00e3o para o seu perfil financeiro, de gra\u00e7a.<\/p>\n<div style=\"background-color: #f4f6f8; border-radius: 12px; padding: 40px 20px; text-align: center; margin-top: 40px; border: 1px solid #e0e0e0;\">\n<h3 style=\"color: #041f30; margin-top: 0;\">Est\u00e1 comprando seu im\u00f3vel em 2026?<\/h3>\n<p style=\"font-size: 1.05em; color: #555; margin-bottom: 25px;\">Nossa assessoria <strong>LARYA Go Casa<\/strong> cuida de tudo: aprova\u00e7\u00e3o com o menor CET, compara\u00e7\u00e3o entre bancos e an\u00e1lise jur\u00eddica da documenta\u00e7\u00e3o \u2014 sem custo para o comprador.<\/p>\n<div style=\"display: flex; justify-content: center; gap: 20px; flex-wrap: wrap;\"><a style=\"background-color: #041f30; color: white; padding: 15px 30px; text-decoration: none; border-radius: 50px; font-weight: bold; flex: 1; min-width: 220px; max-width: 280px; text-align: center;\" href=\"https:\/\/larya.com.br\/go-casa\">Conhecer LARYA Go Casa<\/a><br \/>\n<a style=\"background-color: #fe1637; color: white; padding: 15px 30px; text-decoration: none; border-radius: 50px; font-weight: bold; flex: 1; min-width: 220px; max-width: 280px; text-align: center;\" href=\"https:\/\/larya.com.br\/simulador-financiamento-2026\">Simular Financiamento Gr\u00e1tis<\/a><\/div>\n<\/div>\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%20comparar%20o%20CET%20dos%20bancos%20para%20meu%20financiamento&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 LARYA<br \/>\n<\/a><\/div>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: Poppins, sans-serif; font-size: 32px; font-weight: bold;\">ITBI: O que \u00e9, Como Funciona e Links Oficiais das Prefeituras<\/span><\/p>\n<article id=\"itbi-guia-completo\">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, geralmente pago pelo comprador no momento da escritura ou registro. Em 2026, o ITBI incide sobre im\u00f3veis de qualquer valor \u2014 incluindo os enquadrados no novo teto SFH de <strong>R$2,25 milh\u00f5es<\/strong>.<\/p>\n<p>Cada munic\u00edpio define suas pr\u00f3prias regras, al\u00edquotas, prazos e sistemas de emiss\u00e3o da guia de pagamento. Por isso, \u00e9 fundamental consultar sempre o <strong>portal oficial da prefeitura<\/strong>.<\/p>\n<div style=\"background-color: #fff3cd; border-left: 5px solid #ffc107; padding: 20px; margin: 20px 0; border-radius: 0 8px 8px 0;\"><strong>&#x1f4a1; Dica LARYA sobre ITBI:<\/strong> Em im\u00f3veis financiados pelo SFH, a <strong>Lei Federal 6.015\/73<\/strong> garante <strong>50% de desconto<\/strong> nas taxas de cart\u00f3rio para quem compra o primeiro im\u00f3vel. Exija esse desconto por escrito no balc\u00e3o do cart\u00f3rio.<\/div>\n<h2>Quando o ITBI \u00e9 Cobrado?<\/h2>\n<p>O ITBI \u00e9 devido em opera\u00e7\u00f5es como compra e venda de im\u00f3veis, cess\u00e3o de direitos imobili\u00e1rios e adjudica\u00e7\u00e3o. <strong>N\u00e3o incide em heran\u00e7as ou doa\u00e7\u00f5es<\/strong> (nesses casos aplica-se o ITCMD). Use nossa <a style=\"color: #fe1637; font-weight: bold;\" href=\"https:\/\/larya.com.br\/itbi\">Calculadora de ITBI por cidade<\/a> para saber o valor exato na sua cidade.<\/p>\n<h2>Links Oficiais do ITBI \u2013 Principais Cidades do Brasil<\/h2>\n<p>Abaixo voc\u00ea encontra os <strong>links oficiais das Prefeituras<\/strong> para consulta, c\u00e1lculo e emiss\u00e3o da guia do ITBI nas maiores cidades do pa\u00eds.<\/p>\n<ul>\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 e consulta<\/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><small>&#x26a0;&#xfe0f; As regras do ITBI variam por munic\u00edpio. Para valores oficiais, prazos e emiss\u00e3o da guia, utilize sempre os portais oficiais das Prefeituras.<\/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='guia-do-comprador' 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\/12971' 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-16780-ZbRn0cAB5r' data-post_id='16780'>\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 metro quadrado (m\u00b2) em reformas e constru\u00e7\u00f5es?\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\/que-e-importante-verificar-antes-de-assinar-o-contrato-de-compra\/?include_category=guia-do-comprador\">Guia do comprador<\/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>O custo varia por regi\u00e3o e padr\u00e3o de acabamento. Em 2025, utiliza-se o CUB (Custo Unit\u00e1rio B\u00e1sico) do seu estado ou o SINAPI como refer\u00eancia inicial, somado aos materiais de acabamento espec\u00edficos.<\/p>\n<p>Na Pr\u00e1tica:<\/p>\n<p>M\u00e3o de obra: Representa cerca de 40% a 50% do custo total. Pedreiros e pintores costumam cobrar por m\u00b2 ou empreitada.<\/p>\n<p>Materiais Espec\u00edficos: Itens pesquisados como &#8220;Piso Laminado&#8221; ou &#8220;Telha Sandu\u00edche&#8221; t\u00eam pre\u00e7os vol\u00e1teis. O ideal \u00e9 cotar o sistema completo (ex: piso + manta + rodap\u00e9 + instala\u00e7\u00e3o) e dividir pela \u00e1rea total para ter o custo real por m\u00b2.<\/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;16780&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 calcular o valor do metro quadrado (m\u00b2) em reformas e constru\u00e7\u00f5es?&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-calcular-o-valor-do-metro-quadrado-m%c2%b2-em-reformas-e-construcoes\/'>\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-14917-f6YXAfXgGR' data-post_id='14917'>\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 declarar a compra de im\u00f3vel no imposto de renda 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\/que-e-importante-verificar-antes-de-assinar-o-contrato-de-compra\/?include_category=guia-do-comprador\">Guia do comprador<\/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=\"163\" data-end=\"342\">Declarar a compra de um im\u00f3vel no Imposto de Renda 2025 \u00e9 essencial para manter sua situa\u00e7\u00e3o fiscal regularizada com a Receita Federal. Veja o passo a passo atualizado e completo:<\/p>\n<h4 class=\"\" data-start=\"344\" data-end=\"366\">Onde declarar?<\/h4>\n<p class=\"\" data-start=\"367\" data-end=\"587\">No programa da <strong data-start=\"382\" data-end=\"446\">Declara\u00e7\u00e3o de Imposto de Renda da Pessoa F\u00edsica (DIRPF 2025)<\/strong>, utilize a ficha <strong data-start=\"464\" data-end=\"485\">\u201cBens e Direitos\u201d<\/strong>. Escolha o grupo <strong data-start=\"503\" data-end=\"526\">\u201c01 &#8211; Bens Im\u00f3veis\u201d<\/strong> e o c\u00f3digo correspondente ao tipo de im\u00f3vel adquirido, como:<\/p>\n<ul data-start=\"589\" data-end=\"634\">\n<li class=\"\" data-start=\"589\" data-end=\"607\">\n<p class=\"\" data-start=\"591\" data-end=\"607\">11 \u2013 Apartamento<\/p>\n<\/li>\n<li class=\"\" data-start=\"608\" data-end=\"619\">\n<p class=\"\" data-start=\"610\" data-end=\"619\">12 \u2013 Casa<\/p>\n<\/li>\n<li class=\"\" data-start=\"620\" data-end=\"634\">\n<p class=\"\" data-start=\"622\" data-end=\"634\">13 \u2013 Terreno<\/p>\n<\/li>\n<\/ul>\n<h4 class=\"\" data-start=\"636\" data-end=\"659\">O que informar?<\/h4>\n<ul data-start=\"660\" data-end=\"1026\">\n<li class=\"\" data-start=\"660\" data-end=\"767\">\n<p class=\"\" data-start=\"662\" data-end=\"767\"><strong data-start=\"662\" data-end=\"694\">Descri\u00e7\u00e3o completa do im\u00f3vel<\/strong>: endere\u00e7o, metragem, n\u00famero da matr\u00edcula no cart\u00f3rio e nome do vendedor.<\/p>\n<\/li>\n<li class=\"\" data-start=\"768\" data-end=\"834\">\n<p class=\"\" data-start=\"770\" data-end=\"834\"><strong data-start=\"770\" data-end=\"799\">Valor pago at\u00e9 31\/12\/2024<\/strong> (se foi comprado no ano anterior).<\/p>\n<\/li>\n<li class=\"\" data-start=\"835\" data-end=\"920\">\n<p class=\"\" data-start=\"837\" data-end=\"920\"><strong data-start=\"837\" data-end=\"859\">Forma de pagamento<\/strong>: se foi \u00e0 vista, por financiamento imobili\u00e1rio ou cons\u00f3rcio.<\/p>\n<\/li>\n<li class=\"\" data-start=\"921\" data-end=\"1026\">\n<p class=\"\" data-start=\"923\" data-end=\"1026\"><strong data-start=\"923\" data-end=\"940\">Financiamento<\/strong>: informe apenas os valores efetivamente pagos no ano-base. O saldo devedor n\u00e3o entra.<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"1028\" data-end=\"1137\">Se o im\u00f3vel foi comprado em conjunto (ex: c\u00f4njuges), declare de forma proporcional \u00e0 participa\u00e7\u00e3o de cada um.<\/p>\n<h4 class=\"\" data-start=\"1139\" data-end=\"1163\">Dica importante:<\/h4>\n<p class=\"\" data-start=\"1164\" data-end=\"1455\"><strong data-start=\"1164\" data-end=\"1198\">N\u00e3o atualize o valor do im\u00f3vel<\/strong> com base na valoriza\u00e7\u00e3o de mercado. O valor declarado deve ser o custo efetivo da compra (incluindo escritura, ITBI, taxas e corretagem, se houver). S\u00f3 deve ser alterado caso haja reformas que aumentem o valor do bem \u2013 e estas tamb\u00e9m devem ser comprovadas.<\/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;14917&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;1&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 - (1 voto)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Como declarar a compra de im\u00f3vel no imposto de renda 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 - (1 voto)    <\/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-declarar-a-compra-de-imovel-no-imposto-de-renda-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-14916-4iz2aP324m' data-post_id='14916'>\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\t\u00c9 melhor comprar im\u00f3vel novo ou usado?\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\/que-e-importante-verificar-antes-de-assinar-o-contrato-de-compra\/?include_category=guia-do-comprador\">Guia do comprador<\/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=\"151\" data-end=\"353\">A escolha entre comprar um im\u00f3vel novo ou usado em 2025 depende do perfil do comprador, das condi\u00e7\u00f5es do mercado imobili\u00e1rio e dos objetivos de longo prazo. Veja um comparativo com os principais pontos:<\/p>\n<h4 class=\"\" data-start=\"355\" data-end=\"376\">\ufe0f Im\u00f3vel novo:<\/h4>\n<ul data-start=\"377\" data-end=\"915\">\n<li class=\"\" data-start=\"377\" data-end=\"728\">\n<p class=\"\" data-start=\"379\" data-end=\"393\"><strong data-start=\"379\" data-end=\"392\">Vantagens<\/strong>:<\/p>\n<ul data-start=\"396\" data-end=\"728\">\n<li class=\"\" data-start=\"396\" data-end=\"486\">\n<p class=\"\" data-start=\"398\" data-end=\"486\">Estrutura moderna, com materiais atualizados e menos necessidade de manuten\u00e7\u00e3o imediata.<\/p>\n<\/li>\n<li class=\"\" data-start=\"489\" data-end=\"561\">\n<p class=\"\" data-start=\"491\" data-end=\"561\">Maior valoriza\u00e7\u00e3o a longo prazo, especialmente em bairros em expans\u00e3o.<\/p>\n<\/li>\n<li class=\"\" data-start=\"564\" data-end=\"644\">\n<p class=\"\" data-start=\"566\" data-end=\"644\">Condi\u00e7\u00f5es facilitadas de pagamento na planta ou via financiamento imobili\u00e1rio.<\/p>\n<\/li>\n<li class=\"\" data-start=\"647\" data-end=\"728\">\n<p class=\"\" data-start=\"649\" data-end=\"728\">Condom\u00ednios com infraestrutura moderna (coworking, academia, espa\u00e7o pet, etc.).<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li class=\"\" data-start=\"729\" data-end=\"915\">\n<p class=\"\" data-start=\"731\" data-end=\"748\"><strong data-start=\"731\" data-end=\"747\">Desvantagens<\/strong>:<\/p>\n<ul data-start=\"751\" data-end=\"915\">\n<li class=\"\" data-start=\"751\" data-end=\"799\">\n<p class=\"\" data-start=\"753\" data-end=\"799\">Pre\u00e7o por metro quadrado geralmente mais alto.<\/p>\n<\/li>\n<li class=\"\" data-start=\"802\" data-end=\"857\">\n<p class=\"\" data-start=\"804\" data-end=\"857\">Menor espa\u00e7o interno em compara\u00e7\u00e3o a im\u00f3veis antigos.<\/p>\n<\/li>\n<li class=\"\" data-start=\"860\" data-end=\"912\">\n<p class=\"\" data-start=\"862\" data-end=\"912\">Poss\u00edvel atraso na entrega (em im\u00f3veis na planta).<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h4 class=\"\" data-start=\"916\" data-end=\"938\">\ufe0f Im\u00f3vel usado:<\/h4>\n<ul data-start=\"939\" data-end=\"1331\">\n<li class=\"\" data-start=\"939\" data-end=\"1130\">\n<p class=\"\" data-start=\"941\" data-end=\"955\"><strong data-start=\"941\" data-end=\"954\">Vantagens<\/strong>:<\/p>\n<ul data-start=\"958\" data-end=\"1130\">\n<li class=\"\" data-start=\"958\" data-end=\"1014\">\n<p class=\"\" data-start=\"960\" data-end=\"1014\">Pre\u00e7o mais competitivo e maior margem para negocia\u00e7\u00e3o.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1017\" data-end=\"1083\">\n<p class=\"\" data-start=\"1019\" data-end=\"1083\">Localiza\u00e7\u00f5es privilegiadas, em bairros centrais j\u00e1 consolidados.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1086\" data-end=\"1130\">\n<p class=\"\" data-start=\"1088\" data-end=\"1130\">Pronto para morar ou alugar imediatamente.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li class=\"\" data-start=\"1131\" data-end=\"1331\">\n<p class=\"\" data-start=\"1133\" data-end=\"1150\"><strong data-start=\"1133\" data-end=\"1149\">Desvantagens<\/strong>:<\/p>\n<ul data-start=\"1153\" data-end=\"1331\">\n<li class=\"\" data-start=\"1153\" data-end=\"1199\">\n<p class=\"\" data-start=\"1155\" data-end=\"1199\">Pode exigir reformas, com custos adicionais.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1202\" data-end=\"1272\">\n<p class=\"\" data-start=\"1204\" data-end=\"1272\">Instala\u00e7\u00f5es antigas e menos eficientes (el\u00e9trica, hidr\u00e1ulica, etc.).<\/p>\n<\/li>\n<li class=\"\" data-start=\"1275\" data-end=\"1331\">\n<p class=\"\" data-start=\"1277\" data-end=\"1331\">Maior cuidado na an\u00e1lise jur\u00eddica e t\u00e9cnica do im\u00f3vel.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"1333\" data-end=\"1613\">A dica \u00e9 sempre comparar pre\u00e7os por metro quadrado com a ajuda de plataformas confi\u00e1veis, como a LARYA <strong data-start=\"1430\" data-end=\"1447\">l<\/strong>, que oferece dados de valoriza\u00e7\u00e3o por regi\u00e3o, simula\u00e7\u00f5es de financiamento e avalia\u00e7\u00f5es gratuitas (AVM). Assim, voc\u00ea toma a decis\u00e3o mais inteligente para o seu bolso.<\/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;14916&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;\u00c9 melhor comprar im\u00f3vel novo ou usado?&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\/e-melhor-comprar-imovel-novo-ou-usado\/'>\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-16779-h3sgvHePsh' data-post_id='16779'>\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\t\u00c9 seguro usar um modelo de contrato de compra e venda da internet?\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\/que-e-importante-verificar-antes-de-assinar-o-contrato-de-compra\/?include_category=guia-do-comprador\">Guia do comprador<\/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>Modelos prontos servem como base, mas usar um &#8220;copia e cola&#8221; sem revis\u00e3o jur\u00eddica \u00e9 arriscado. Cada negocia\u00e7\u00e3o tem especificidades (im\u00f3vel financiado, uso de FGTS, permuta) que modelos gen\u00e9ricos n\u00e3o cobrem.<\/p>\n<p>Onde est\u00e1 o perigo:<\/p>\n<p>Modelos antigos podem citar leis revogadas.<\/p>\n<p>Falta de prote\u00e7\u00e3o espec\u00edfica para o vendedor (ex: o que acontece se o financiamento do banco n\u00e3o for aprovado?).<\/p>\n<p>Recomenda\u00e7\u00e3o: Use o modelo para entender a estrutura, mas pe\u00e7a para um advogado imobili\u00e1rio ou corretor experiente adaptar as cl\u00e1usulas para a sua realidade.<\/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;16779&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;\u00c9 seguro usar um modelo de contrato de compra e venda da internet?&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\/que-e-importante-verificar-antes-de-assinar-o-contrato-de-compra\/?include_tag=correspondente-bancario\">Correspondente Banc\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/que-e-importante-verificar-antes-de-assinar-o-contrato-de-compra\/?include_tag=credito-imobiliario\">Cr\u00e9dito Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/que-e-importante-verificar-antes-de-assinar-o-contrato-de-compra\/?include_tag=emprestimo-imobiliario\">Empr\u00e9stimo Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/que-e-importante-verificar-antes-de-assinar-o-contrato-de-compra\/?include_tag=financiamento-de-imoveis\">Financiamento de Im\u00f3veis<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/que-e-importante-verificar-antes-de-assinar-o-contrato-de-compra\/?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\/e-seguro-usar-um-modelo-de-contrato-de-compra-e-venda-da-internet\/'>\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-16778-MtVrWVuQx5' data-post_id='16778'>\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\tO que n\u00e3o pode faltar em um Contrato de Compra e Venda de Im\u00f3vel para ele ser seguro?\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\/que-e-importante-verificar-antes-de-assinar-o-contrato-de-compra\/?include_category=guia-do-comprador\">Guia do comprador<\/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>O contrato deve conter a qualifica\u00e7\u00e3o completa das partes, descri\u00e7\u00e3o detalhada do im\u00f3vel (conforme matr\u00edcula), pre\u00e7o e forma de pagamento, data de posse, cl\u00e1usula de irretratabilidade e as certid\u00f5es negativas de d\u00e9bitos.<\/p>\n<p>An\u00e1lise Profunda: O &#8220;Contrato de Gaveta&#8221; (instrumento particular) \u00e9 o passo anterior \u00e0 Escritura, mas \u00e9 ele que define as regras do jogo.<\/p>\n<p>Multa Penal: Essencial estipular multa (geralmente 10% a 20%) em caso de desist\u00eancia.<\/p>\n<p>Cl\u00e1usula Resolutiva: Garante que, se o comprador n\u00e3o pagar, o neg\u00f3cio \u00e9 desfeito automaticamente.<\/p>\n<p>Dica de 2025: Hoje, a validade jur\u00eddica de contratos assinados digitalmente (Gov.br, DocuSign) \u00e9 plena, desde que certificada. Isso agiliza a formaliza\u00e7\u00e3o antes mesmo do cart\u00f3rio.<\/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;16778&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;O que n\u00e3o pode faltar em um Contrato de Compra e Venda de Im\u00f3vel para ele ser seguro?&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\/o-que-nao-pode-faltar-em-um-contrato-de-compra-e-venda-de-imovel-para-ele-ser-seguro\/'>\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-16781-x46HVZiNwV' data-post_id='16781'>\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\tO Recibo de Compra e Venda substitui a Escritura P\u00fablica?\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\/que-e-importante-verificar-antes-de-assinar-o-contrato-de-compra\/?include_category=guia-do-comprador\">Guia do comprador<\/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>N\u00e3o. O recibo \u00e9 apenas um comprovante de pagamento. O documento que transfere a propriedade legalmente \u00e9 a Escritura P\u00fablica registrada no Cart\u00f3rio de Registro de Im\u00f3veis.<\/p>\n<p>Por que isso confunde? Muitas pessoas compram im\u00f3veis irregulares apenas com &#8220;Recibo&#8221; ou &#8220;Contrato de Gaveta&#8221;.<\/p>\n<p>Risco: &#8220;Quem n\u00e3o registra, n\u00e3o \u00e9 dono&#8221;. Se o vendedor tiver d\u00edvidas trabalhistas ou fiscais, o im\u00f3vel (que ainda est\u00e1 no nome dele no cart\u00f3rio) pode ser penhorado, mesmo que voc\u00ea tenha o recibo de que pagou.<\/p>\n<p>Solu\u00e7\u00e3o: O recibo serve para instruir uma futura a\u00e7\u00e3o de Usucapi\u00e3o ou Adjudica\u00e7\u00e3o Compuls\u00f3ria caso o vendedor suma, mas n\u00e3o substitui a escritura imediata.<\/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;16781&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;O Recibo de Compra e Venda substitui a Escritura P\u00fablica?&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\/o-custo-varia-por-regiao-e-padrao-de-acabamento-em-2025-utiliza-se-o-cub-custo-unitario-basico-do-seu-estado-ou-o-sinapi-como-referencia-inicial-somado-aos-materiais-de-acabamento-especificos-n\/'>\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-14914-9JDE5I7JwC' data-post_id='14914'>\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\tQuais s\u00e3o os passos para comprar um 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\/que-e-importante-verificar-antes-de-assinar-o-contrato-de-compra\/?include_category=guia-do-comprador\">Guia do comprador<\/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=\"209\" data-end=\"373\">Comprar um im\u00f3vel em 2025 envolve planejamento, pesquisa e aten\u00e7\u00e3o a detalhes legais e financeiros. Veja o passo a passo atualizado para garantir uma compra segura:<\/p>\n<ol data-start=\"375\" data-end=\"1465\">\n<li class=\"\" data-start=\"375\" data-end=\"584\">\n<p class=\"\" data-start=\"378\" data-end=\"584\"><strong data-start=\"378\" data-end=\"452\">Defina seu or\u00e7amento e fa\u00e7a uma simula\u00e7\u00e3o de financiamento imobili\u00e1rio<\/strong> \u2014 use simuladores online como o da <b>LARYA <\/b>para entender quanto voc\u00ea pode financiar, com base em renda, entrada e prazos.<\/p>\n<\/li>\n<li class=\"\" data-start=\"585\" data-end=\"757\">\n<p class=\"\" data-start=\"588\" data-end=\"757\"><strong data-start=\"588\" data-end=\"638\">Escolha a localiza\u00e7\u00e3o e o tipo de im\u00f3vel ideal<\/strong> \u2014 avalie bairros, infraestrutura, valoriza\u00e7\u00e3o do metro quadrado e perfil do im\u00f3vel (apartamento, casa, novo ou usado).<\/p>\n<\/li>\n<li class=\"\" data-start=\"758\" data-end=\"931\">\n<p class=\"\" data-start=\"761\" data-end=\"931\"><strong data-start=\"761\" data-end=\"810\">Conte com um corretor de im\u00f3veis de confian\u00e7a<\/strong> \u2014 busque profissionais bem avaliados em plataformas confi\u00e1veis, com hist\u00f3rico de vendas e conhecimento do mercado local.<\/p>\n<\/li>\n<li class=\"\" data-start=\"932\" data-end=\"1054\">\n<p class=\"\" data-start=\"935\" data-end=\"1054\"><strong data-start=\"935\" data-end=\"981\">Visite os im\u00f3veis e analise a documenta\u00e7\u00e3o<\/strong> \u2014 verifique escritura, registro, IPTU, habite-se e situa\u00e7\u00e3o condominial.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1055\" data-end=\"1188\">\n<p class=\"\" data-start=\"1058\" data-end=\"1188\"><strong data-start=\"1058\" data-end=\"1100\">Negocie pre\u00e7o e condi\u00e7\u00f5es de pagamento<\/strong> \u2014 uma boa negocia\u00e7\u00e3o pode resultar em descontos relevantes ou inclus\u00e3o de benfeitorias.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1189\" data-end=\"1328\">\n<p class=\"\" data-start=\"1192\" data-end=\"1328\"><strong data-start=\"1192\" data-end=\"1236\">Assine o contrato com seguran\u00e7a jur\u00eddica<\/strong> \u2014 envolva um advogado ou assessoria imobili\u00e1ria, especialmente para im\u00f3veis de maior valor.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1329\" data-end=\"1465\">\n<p class=\"\" data-start=\"1332\" data-end=\"1465\"><strong data-start=\"1332\" data-end=\"1370\">Registre o im\u00f3vel e pague as taxas<\/strong> \u2014 ITBI, escritura p\u00fablica e registro no cart\u00f3rio s\u00e3o obrigat\u00f3rios para formalizar a transa\u00e7\u00e3o.<\/p>\n<\/li>\n<\/ol>\n<p class=\"\" data-start=\"1467\" data-end=\"1655\">Em 2025, o uso de ferramentas digitais, como o <strong data-start=\"1514\" data-end=\"1555\">avaliador autom\u00e1tico de im\u00f3veis (AVM)<\/strong> e comparadores de cr\u00e9dito, facilita todo o processo, tornando a jornada mais r\u00e1pida e transparente.<\/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;14914&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;Quais s\u00e3o os passos para comprar um 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\/quais-sao-os-passos-para-comprar-um-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><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-14915-fUkXheQt9N' data-post_id='14915'>\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\tque \u00e9 importante verificar antes de assinar o contrato de compra?\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\/que-e-importante-verificar-antes-de-assinar-o-contrato-de-compra\/?include_category=guia-do-comprador\">Guia do comprador<\/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=\"148\" data-end=\"425\">Antes de assinar o contrato de compra de um im\u00f3vel, \u00e9 essencial realizar uma an\u00e1lise completa dos documentos, do im\u00f3vel e da situa\u00e7\u00e3o do vendedor. Em 2025, com a valoriza\u00e7\u00e3o dos im\u00f3veis e o aumento de fraudes, a cautela \u00e9 ainda mais necess\u00e1ria. Veja os pontos mais importantes:<\/p>\n<ol data-start=\"427\" data-end=\"1530\">\n<li class=\"\" data-start=\"427\" data-end=\"629\">\n<p class=\"\" data-start=\"430\" data-end=\"629\"><strong data-start=\"430\" data-end=\"456\">Documenta\u00e7\u00e3o do im\u00f3vel<\/strong>: verifique matr\u00edcula atualizada no cart\u00f3rio de registro de im\u00f3veis, aus\u00eancia de \u00f4nus ou pend\u00eancias judiciais, habite-se, e certid\u00e3o negativa de d\u00e9bitos (IPTU e condom\u00ednio).<\/p>\n<\/li>\n<li class=\"\" data-start=\"630\" data-end=\"820\">\n<p class=\"\" data-start=\"633\" data-end=\"820\"><strong data-start=\"633\" data-end=\"661\">Documenta\u00e7\u00e3o do vendedor<\/strong>: para pessoa f\u00edsica, certid\u00f5es negativas civis, trabalhistas, fiscais e de protestos. Para pessoa jur\u00eddica, adicione certid\u00e3o da junta comercial e CNPJ ativo.<\/p>\n<\/li>\n<li class=\"\" data-start=\"821\" data-end=\"1015\">\n<p class=\"\" data-start=\"824\" data-end=\"1015\"><strong data-start=\"824\" data-end=\"860\">Situa\u00e7\u00e3o financeira do comprador<\/strong>: confirme a aprova\u00e7\u00e3o do financiamento imobili\u00e1rio antes da assinatura. Use um simulador de financiamento para saber as parcelas e juros com anteced\u00eancia.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1016\" data-end=\"1174\">\n<p class=\"\" data-start=\"1019\" data-end=\"1174\"><strong data-start=\"1019\" data-end=\"1042\">Condi\u00e7\u00f5es do im\u00f3vel<\/strong>: visite o im\u00f3vel novamente antes da assinatura, verifique estrutura, instala\u00e7\u00f5es el\u00e9tricas e hidr\u00e1ulicas. Tire fotos para registro.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1175\" data-end=\"1383\">\n<p class=\"\" data-start=\"1178\" data-end=\"1383\"><strong data-start=\"1178\" data-end=\"1201\">Revis\u00e3o do contrato<\/strong>: leia todas as cl\u00e1usulas com aten\u00e7\u00e3o. Prazos, multas, condi\u00e7\u00f5es de pagamento, taxas e responsabilidades devem estar muito bem definidos. Um advogado especializado pode ser decisivo.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1384\" data-end=\"1530\">\n<p class=\"\" data-start=\"1387\" data-end=\"1530\"><strong data-start=\"1387\" data-end=\"1406\">Valores e taxas<\/strong>: confirme quem pagar\u00e1 ITBI, escritura, registro e comiss\u00e3o do corretor. Em alguns casos, esses custos podem ser negociados.<\/p>\n<\/li>\n<\/ol>\n<p class=\"\" data-start=\"1532\" data-end=\"1693\">Utilize a plataforma da <strong data-start=\"1556\" data-end=\"1573\">LARYA<\/strong> para comparar im\u00f3veis, obter uma avalia\u00e7\u00e3o online gratuita (AVM) e simular financiamento \u2014 tudo de forma 100% gratuita.<\/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;14915&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;que \u00e9 importante verificar antes de assinar o contrato de compra?&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\/que-e-importante-verificar-antes-de-assinar-o-contrato-de-compra\/'>\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(250px, 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\/blog\/melhor-banco-para-financiar-imovel-2026\/\">Qual o melhor banco para financiar em 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\/sac-ou-price-qual-a-melhor-tabela-para-financiar-em-2026\/\">SAC ou Price: qual tabela escolher?<\/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\/taxa-financiamento-imobiliario-2026\/\">Taxas de Financiamento Imobili\u00e1rio 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\/portabilidade\">Calculadora de Portabilidade LARYA<\/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-fgts-para-financiamento-em-2026\/\">Como usar FGTS no Financiamento 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\/simulador-habitacional\">Simulador Habitacional LARYA<\/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;14915&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;que \u00e9 importante verificar antes de assinar o contrato de compra?&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 que \u00e9 importante verificar antes de assinar o contrato de compra? Category: Guia do comprador Antes de assinar o contrato de compra de um im\u00f3vel, \u00e9 essencial realizar uma an\u00e1lise completa dos documentos, do im\u00f3vel e da situa\u00e7\u00e3o do vendedor. Em 2025, com a valoriza\u00e7\u00e3o dos im\u00f3veis e o aumento de fraudes, a cautela&#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":48,"featured_media":15949,"comment_status":"open","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":[2513,2540,67],"tags":[3740,2823,232,3295,2723,3294,3289,3290,2675,1520,2819,3292,3288,3291,3293,2825,2820,2824,968,2676,2821,2822,2585],"class_list":["post-12971","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financiamento-imobiliario","category-guia-do-comprador","category-mercado-imobiliario-2026","tag-amortizacao-financiamento-imobiliario","tag-analise-de-credito","tag-banco","tag-banco-central-cet-custo-efetivo-total-resolu","tag-cet","tag-cet-custo-efetivo-total","tag-cet-custo-efetivo-total-financiamento-imobili","tag-cet-custo-efetivo-total-regulamenta","tag-comparacao-de-credito","tag-credito-imobiliario","tag-custo-efetivo-total","tag-custo-efetivo-total-cet-brasil-regulamenta","tag-custo-efetivo-total-cet-regulamenta","tag-custo-efetivo-total-cet-resolu","tag-custo-efetivo-total-financiamento","tag-custos-do-financiamento","tag-encargos-adicionais","tag-financiamento-com-cet-baixo","tag-financiamento-imobiliario","tag-larya","tag-seguro-obrigatorio","tag-taxa-administrativa","tag-taxa-de-juros"],"aioseo_notices":[],"jetpack_featured_media_url":"https:\/\/larya.com.br\/blog\/wp-content\/uploads\/2020\/11\/negociacao-redes-de-contatos-empresarios-oficina.webp","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/12971","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\/48"}],"replies":[{"embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/comments?post=12971"}],"version-history":[{"count":2,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/12971\/revisions"}],"predecessor-version":[{"id":18064,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/12971\/revisions\/18064"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/media\/15949"}],"wp:attachment":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/media?parent=12971"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/categories?post=12971"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/tags?post=12971"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}