{"id":14989,"date":"2026-04-29T10:00:41","date_gmt":"2026-04-29T13:00:41","guid":{"rendered":"https:\/\/noticias.agenteimovel.com.br\/?p=14989"},"modified":"2026-04-29T18:54:46","modified_gmt":"2026-04-29T21:54:46","slug":"custos-de-compra-de-imovel","status":"publish","type":"post","link":"https:\/\/larya.com.br\/blog\/custos-de-compra-de-imovel\/","title":{"rendered":"Custos de compra de im\u00f3vel: o que tenho que pagar?"},"content":{"rendered":"<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Article\",\n  \"headline\": \"Custos de Fechamento na Compra de Im\u00f3vel: Guia Completo 2026 (ITBI, Cart\u00f3rio e Taxas)\",\n  \"description\": \"Guia completo sobre custos de fechamento na compra de im\u00f3vel em 2026: ITBI, registro, escritura, taxas banc\u00e1rias e como calcular quanto reservar al\u00e9m da entrada.\",\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\": \"4.9\",\n    \"reviewCount\": \"186\",\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 calcular os custos de fechamento na compra de um im\u00f3vel\",\n  \"description\": \"Passo a passo para calcular e reservar o valor correto para ITBI, cart\u00f3rio e taxas banc\u00e1rias antes de assinar o contrato.\",\n  \"totalTime\": \"PT15M\",\n  \"step\": [\n    {\n      \"@type\": \"HowToStep\",\n      \"position\": 1,\n      \"name\": \"Calcule o ITBI da sua cidade\",\n      \"text\": \"Acesse a calculadora de ITBI da LARYA em larya.com.br\/itbi e descubra o valor exato para a sua cidade. O ITBI varia de 2% a 3% do valor do im\u00f3vel dependendo do munic\u00edpio.\"\n    },\n    {\n      \"@type\": \"HowToStep\",\n      \"position\": 2,\n      \"name\": \"Estime o custo do Registro de Im\u00f3veis\",\n      \"text\": \"O registro \u00e9 obrigat\u00f3rio para todos e custa aproximadamente 1% a 1,5% do valor do im\u00f3vel, com tabela progressiva definida por estado. Se for seu primeiro im\u00f3vel pelo SFH, solicite 50% de desconto pela Lei 6.015\/73.\"\n    },\n    {\n      \"@type\": \"HowToStep\",\n      \"position\": 3,\n      \"name\": \"Verifique as taxas banc\u00e1rias\",\n      \"text\": \"O banco cobra taxa de avalia\u00e7\u00e3o do im\u00f3vel (m\u00e9dia R$3.500) e taxa jur\u00eddica. Use o simulador LARYA para comparar essas taxas entre Caixa, Ita\u00fa, Bradesco e Santander.\"\n    },\n    {\n      \"@type\": \"HowToStep\",\n      \"position\": 4,\n      \"name\": \"Reserve entre 5% e 8% do valor do im\u00f3vel\",\n      \"text\": \"Some ITBI + registro + taxas banc\u00e1rias + certid\u00f5es. O total ficar\u00e1 entre 5% e 8% do valor do im\u00f3vel. Reserve esse valor al\u00e9m da entrada para n\u00e3o ser pego de surpresa.\"\n    },\n    {\n      \"@type\": \"HowToStep\",\n      \"position\": 5,\n      \"name\": \"Verifique se h\u00e1 Laud\u00eamio\",\n      \"text\": \"Para im\u00f3veis em \u00e1rea de marinha (litoral), verifique com a SPU se h\u00e1 cobran\u00e7a de Laud\u00eamio (5% do valor do terreno). Normalmente pago pelo vendedor, mas deve constar no contrato.\"\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\": \"Quanto custa o ITBI na compra de um im\u00f3vel?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"O ITBI varia de 2% a 3% do valor do im\u00f3vel dependendo do munic\u00edpio. Em S\u00e3o Paulo e Rio de Janeiro \u00e9 3%. Em Curitiba e Belo Horizonte \u00e9 2,7%. Use a calculadora de ITBI da LARYA em larya.com.br\/itbi para saber o valor exato na sua cidade.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quem paga o ITBI, comprador ou vendedor?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Por padr\u00e3o e pela lei, o ITBI \u00e9 responsabilidade do comprador. No entanto, em negocia\u00e7\u00f5es \u00e9 poss\u00edvel dividir ou repassar o custo ao vendedor como parte do acordo de pre\u00e7o. Em leil\u00f5es e lan\u00e7amentos, o contrato pode mudar essa regra \u2014 leia sempre com aten\u00e7\u00e3o.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quanto reservar al\u00e9m da entrada para comprar um im\u00f3vel?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A LARYA recomenda reservar entre 5% e 8% do valor do im\u00f3vel al\u00e9m da entrada para cobrir ITBI (2-3%), registro no cart\u00f3rio (~1,5%), taxa de avalia\u00e7\u00e3o banc\u00e1ria (~R$3.500) e certid\u00f5es (~R$600). Para um im\u00f3vel de R$500.000, isso representa entre R$25.000 e R$40.000 extras.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Preciso pagar escritura se financiar o im\u00f3vel?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"N\u00e3o. Quando voc\u00ea financia, o contrato emitido pelo banco tem for\u00e7a de escritura p\u00fablica pela Lei 4.380. Isso significa que voc\u00ea economiza 100% do custo da escritura \u2014 que pode chegar a R$8.000 em im\u00f3veis de alto valor. Quem paga escritura \u00e9 apenas quem compra \u00e0 vista.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Como conseguir 50% de desconto no registro do im\u00f3vel?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Se este for seu primeiro im\u00f3vel financiado pelo SFH para fins residenciais, a Lei Federal 6.015\/73 (Art. 290) garante 50% de desconto nas taxas de registro em cart\u00f3rio. Voc\u00ea deve solicitar esse desconto formalmente no balc\u00e3o do cart\u00f3rio, apresentando declara\u00e7\u00e3o de primeiro im\u00f3vel.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"O que \u00e9 Laud\u00eamio e quando \u00e9 cobrado?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Laud\u00eamio \u00e9 uma taxa cobrada pela Uni\u00e3o (SPU) na transfer\u00eancia de im\u00f3veis localizados em terrenos de marinha \u2014 comum em cidades litor\u00e2neas como Santos, Rio de Janeiro e Florian\u00f3polis. Representa 5% do valor do terreno e \u00e9 tradicionalmente pago pelo vendedor, mas deve estar previsto em contrato.\"\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: 10 min<\/p>\n<p style=\"text-align: left;\">Comprar um im\u00f3vel \u00e9 um dos maiores marcos da vida adulta. Mas existe uma armadilha financeira que pega muitos compradores desprevenidos em 2026: focar apenas no pre\u00e7o do im\u00f3vel e esquecer dos <strong>Custos de Fechamento<\/strong>.<\/p>\n<p style=\"text-align: left;\">Imagine: voc\u00ea economizou para a entrada, teve o financiamento aprovado \u2014 mas na hora de assinar o contrato, descobre que precisa de mais <strong>R$40.000<\/strong> para pagar ITBI e cart\u00f3rio. Se n\u00e3o tiver essa liquidez, o neg\u00f3cio \u00e9 cancelado e voc\u00ea perde o sinal.<\/p>\n<p style=\"text-align: left;\">Na <strong>LARYA<\/strong>, nossa regra de ouro \u00e9: <em>&#8220;O pre\u00e7o da vitrine \u00e9 apenas o come\u00e7o.&#8221;<\/em> Neste guia completo, detalhamos cada centavo que voc\u00ea precisa reservar e ensinamos estrat\u00e9gias legais para reduzir essa conta.<\/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\/custos-de-compra-de-imovel\/\"><img decoding=\"async\" src=\"https:\/\/larya.com.br\/blog\/wp-content\/plugins\/cta\/shared\/shortcodes\/images\/facebook@2x.png\"><\/a><a class=\"mt-twitter mt-share-inline-bar-sm\" style=\"float: left;\" href=\"http:\/\/twitter.com\/intent\/tweet?text=Custos de compra de im\u00f3vel: o que tenho que 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style=\"float: left;\" href=\"http:\/\/www.pinterest.com\/pin\/create\/button\/?url=https:\/\/larya.com.br\/blog\/custos-de-compra-de-imovel\/&amp;media=&amp;guid=1234&amp;description=Custos de compra de im\u00f3vel: o que tenho que pagar?\"><img decoding=\"async\" src=\"https:\/\/larya.com.br\/blog\/wp-content\/plugins\/cta\/shared\/shortcodes\/images\/pinterest@2x.png\"><\/a><\/span><style type=\"text\/css\">a.mt-share-inline-bar-sm img {\r\n\t\t\twidth: 34px;\r\n\t\t\theight: auto;\r\n\t\t\tborder: 0px;\r\n\t\t\t}\r\n\t\t\t.inbound-social-share-bar-container {\r\n\t\t\tdisplay: inline-block;\r\n\t\t\t}\r\n\t\t\t.inbound-social-share-header {\r\n\t\t\tvertical-align: middle;\r\n\t\t\t}\r\n\t\t\ta.mt-share-inline-bar-sm:hover {\r\n\t\t\tz-index: 50;\r\n\t\t\t-webkit-transform: scale3d(1.075, 1.075, 1.075);\r\n\t\t\t}\r\n\t\t\ta.mt-share-inline-bar-sm {\r\n\t\t\tdisplay: inline-block;\r\n\t\t\twidth: 64px;\r\n\t\t\theight: 32px;\r\n\t\t\tborder-top-left-radius: 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2px;\r\n\t\t\tborder-top-right-radius: 2px;\r\n\t\t\tborder-bottom-right-radius: 2px;\r\n\t\t\tborder-bottom-left-radius: 2px;\r\n\t\t\tmargin-right: 4px;\r\n\t\t\ttext-align: center;\r\n\t\t\tbackground-color: rgb(51, 51, 51);\r\n\t\t\ttransition: background-color 300ms ease-in;\r\n\t\t\t-webkit-transition: background-color 300ms ease-in;\r\n\t\t\t}<\/style>\n<div style=\"background-color: #e3f2fd; padding: 25px; border-radius: 12px; margin: 35px 0; border-left: 5px solid #2196f3;\">\n<h3 style=\"margin-top: 0; color: #0d47a1;\">&#x26a0;&#xfe0f; Medo de custos surpresa?<\/h3>\n<p style=\"color: #333; margin-bottom: 15px;\">Nossos especialistas calculam cada taxa <strong>antes<\/strong> de voc\u00ea assinar e negociam descontos com o vendedor \u2014 sem custo para o comprador.<\/p>\n<p style=\"text-align: center; margin-bottom: 0;\"><a style=\"display: inline-block; background-color: #0d47a1; color: #ffffff; padding: 16px 40px; text-decoration: none; border-radius: 50px; font-weight: bold; font-family: 'Montserrat', sans-serif;\" href=\"https:\/\/larya.com.br\/go-casa\"><strong>Conhecer a Assessoria LARYA Go Casa \u2192<\/strong><\/a><\/p>\n<\/div>\n<h2 style=\"text-align: left; color: #041f30; font-weight: 800;\">A Regra dos 8%: Quanto reservar al\u00e9m da entrada?<\/h2>\n<p style=\"text-align: left;\">Antes de entrar no detalhe de cada taxa, guarde este n\u00famero: <strong>entre 5% e 8% do valor do im\u00f3vel<\/strong>, al\u00e9m da entrada.<\/p>\n<div style=\"display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 15px; margin: 30px 0;\">\n<div style=\"background: #f8f9fa; border-radius: 12px; padding: 20px; text-align: center; border-top: 4px solid #041f30;\"><span style=\"display: block; font-size: 0.85rem; color: #777; font-weight: bold; text-transform: uppercase;\">Im\u00f3vel R$300k<\/span><br \/>\n<span style=\"display: block; font-size: 1.7rem; font-weight: 800; color: #041f30;\">R$15\u201324k<\/span><br \/>\n<span style=\"display: block; font-size: 0.8rem; color: #777;\">al\u00e9m da entrada<\/span><\/div>\n<div style=\"background: #f8f9fa; border-radius: 12px; padding: 20px; text-align: center; border-top: 4px solid #fe1637;\"><span style=\"display: block; font-size: 0.85rem; color: #777; font-weight: bold; text-transform: uppercase;\">Im\u00f3vel R$500k<\/span><br \/>\n<span style=\"display: block; font-size: 1.7rem; font-weight: 800; color: #fe1637;\">R$25\u201340k<\/span><br \/>\n<span style=\"display: block; font-size: 0.8rem; color: #777;\">al\u00e9m da entrada<\/span><\/div>\n<div style=\"background: #f8f9fa; border-radius: 12px; padding: 20px; text-align: center; border-top: 4px solid #3a2fa3;\"><span style=\"display: block; font-size: 0.85rem; color: #777; font-weight: bold; text-transform: uppercase;\">Im\u00f3vel R$1M<\/span><br \/>\n<span style=\"display: block; font-size: 1.7rem; font-weight: 800; color: #3a2fa3;\">R$50\u201380k<\/span><br \/>\n<span style=\"display: block; font-size: 0.8rem; color: #777;\">al\u00e9m da entrada<\/span><\/div>\n<div style=\"background: #f8f9fa; border-radius: 12px; padding: 20px; text-align: center; border-top: 4px solid #28a745;\"><span style=\"display: block; font-size: 0.85rem; color: #777; font-weight: bold; text-transform: uppercase;\">Im\u00f3vel R$2M<\/span><br \/>\n<span style=\"display: block; font-size: 1.7rem; font-weight: 800; color: #28a745;\">R$100\u2013160k<\/span><br \/>\n<span style=\"display: block; font-size: 0.8rem; color: #777;\">al\u00e9m da entrada<\/span><\/div>\n<\/div>\n<p><!-- CTA ITBI CALCULATOR --><\/p>\n<div style=\"background: linear-gradient(135deg, #041f30 0%, #1a3a52 100%); border-radius: 14px; padding: 28px; margin: 35px 0; text-align: center; color: white;\">\n<h3 style=\"color: white; margin-top: 0; font-size: 1.3rem;\">&#x1f9ee; Calcule o ITBI Exato da Sua Cidade<\/h3>\n<p style=\"opacity: 0.9; margin-bottom: 20px;\">Nossa calculadora j\u00e1 tem as al\u00edquotas atualizadas de mais de 50 munic\u00edpios brasileiros. Resultado em segundos.<\/p>\n<p><a style=\"display: inline-block; background-color: #fe1637; color: white; padding: 16px 45px; text-decoration: none; border-radius: 50px; font-weight: 800; font-size: 1.05rem; box-shadow: 0 4px 15px rgba(254,22,55,0.4);\" href=\"https:\/\/larya.com.br\/itbi\"><strong>Calcular ITBI Agora \u2192 larya.com.br\/itbi<\/strong><\/a><\/p>\n<p style=\"font-size: 0.8rem; opacity: 0.7; margin-top: 12px; margin-bottom: 0;\">Gratuito. Sem cadastro.<\/p>\n<\/div>\n<h2 style=\"text-align: left; color: #041f30; font-weight: 800;\">1. ITBI: O &#8220;Vil\u00e3o&#8221; Municipal<\/h2>\n<p style=\"text-align: left;\">O <strong>ITBI (Imposto de Transmiss\u00e3o de Bens Im\u00f3veis)<\/strong> \u00e9, geralmente, a despesa mais pesada no fechamento. \u00c9 um tributo municipal pago para oficializar a transfer\u00eancia de propriedade.<\/p>\n<div style=\"overflow-x: auto; margin: 25px 0; border-radius: 10px; border: 1px solid #ddd;\">\n<table style=\"width: 100%; border-collapse: collapse; min-width: 500px;\">\n<thead>\n<tr style=\"background-color: #041f30; color: white;\">\n<th style=\"padding: 14px; text-align: left;\">Cidade<\/th>\n<th style=\"padding: 14px; text-align: center;\">Al\u00edquota ITBI<\/th>\n<th style=\"padding: 14px; text-align: center;\">Custo em R$500k<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"border-bottom: 1px solid #eee;\">\n<td style=\"padding: 12px; font-weight: bold;\">S\u00e3o Paulo (SP)<\/td>\n<td style=\"padding: 12px; text-align: center;\">3,0%<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #c62828;\">R$ 15.000<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #eee; background-color: #f9f9f9;\">\n<td style=\"padding: 12px; font-weight: bold;\">Rio de Janeiro (RJ)<\/td>\n<td style=\"padding: 12px; text-align: center;\">3,0%<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #c62828;\">R$ 15.000<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #eee;\">\n<td style=\"padding: 12px; font-weight: bold;\">Belo Horizonte (MG)<\/td>\n<td style=\"padding: 12px; text-align: center;\">3,0%<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #c62828;\">R$ 15.000<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #eee; background-color: #f9f9f9;\">\n<td style=\"padding: 12px; font-weight: bold;\">Curitiba (PR)<\/td>\n<td style=\"padding: 12px; text-align: center;\">2,7%<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #e67e22;\">R$ 13.500<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #eee;\">\n<td style=\"padding: 12px; font-weight: bold;\">Porto Alegre (RS)<\/td>\n<td style=\"padding: 12px; text-align: center;\">3,0%<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #c62828;\">R$ 15.000<\/td>\n<\/tr>\n<tr style=\"background-color: #e8f5e9;\">\n<td style=\"padding: 12px; font-weight: bold;\">Campinas (SP)<\/td>\n<td style=\"padding: 12px; text-align: center;\">2,0%<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #28a745;\">R$ 10.000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div style=\"background-color: #fff3cd; border-left: 5px solid #ffc107; padding: 18px; margin: 20px 0; border-radius: 0 8px 8px 0;\"><strong>&#x26a0;&#xfe0f; A &#8220;Pegadinha&#8221; da Base de C\u00e1lculo:<\/strong> A prefeitura cobra o ITBI sobre o <strong>maior valor<\/strong> entre o pre\u00e7o pago e o Valor Venal de Refer\u00eancia municipal. Se a prefeitura avaliar seu im\u00f3vel em R$550k mas voc\u00ea pagou R$500k, o ITBI ser\u00e1 calculado sobre R$550k. Verifique antes de fechar neg\u00f3cio.<\/div>\n<p style=\"text-align: center; margin: 25px 0;\"><a style=\"display: inline-block; background-color: #fe1637; color: white; padding: 15px 40px; text-decoration: none; border-radius: 50px; font-weight: 800; font-size: 1rem; box-shadow: 0 4px 12px rgba(254,22,55,0.35);\" href=\"https:\/\/larya.com.br\/itbi\">&#x1f9ee; Calcular ITBI da Minha Cidade \u2192<\/a><\/p>\n<h2 style=\"text-align: left; color: #041f30; font-weight: 800;\">2. Custos de Cart\u00f3rio: Registro vs. Escritura<\/h2>\n<h3 style=\"color: #041f30;\">A) Escritura P\u00fablica \u2014 Apenas para compras \u00e0 vista<\/h3>\n<p style=\"text-align: left;\">Se voc\u00ea pagar \u00e0 vista, precisar\u00e1 de uma Escritura P\u00fablica no Tabelionato de Notas. O custo \u00e9 tabelado por estado e progressivo \u2014 pode chegar a R$8.000 em im\u00f3veis de alto valor.<\/p>\n<div style=\"background-color: #e8f5e9; border-left: 5px solid #28a745; padding: 18px; margin: 20px 0; border-radius: 0 8px 8px 0;\"><strong style=\"color: #1b5e20;\">&#x1f4b0; A Vantagem do Financiamento:<\/strong> Ao financiar, o contrato banc\u00e1rio tem for\u00e7a de escritura p\u00fablica pela <strong>Lei 4.380<\/strong>. Voc\u00ea economiza 100% do custo da escritura. \u00c9 mais um motivo para simular o financiamento mesmo tendo o valor total dispon\u00edvel.<\/div>\n<h3 style=\"color: #041f30;\">B) Registro do Im\u00f3vel \u2014 Obrigat\u00f3rio para todos<\/h3>\n<p style=\"text-align: left;\">&#8220;Quem n\u00e3o registra, n\u00e3o \u00e9 dono.&#8221; Ap\u00f3s pagar o ITBI e assinar o contrato, voc\u00ea deve lev\u00e1-los ao Cart\u00f3rio de Registro de Im\u00f3veis (RGI) para que o im\u00f3vel passe oficialmente para o seu nome. Verifique a situa\u00e7\u00e3o da matr\u00edcula antes de fechar: <a style=\"color: #041f30; font-weight: bold; text-decoration: underline;\" href=\"https:\/\/www.registrodeimoveis.org.br\/\" target=\"_blank\" rel=\"noopener\">Registro de Im\u00f3veis do Brasil<\/a>.<\/p>\n<div style=\"background-color: #e8f5e9; border-left: 5px solid #28a745; padding: 20px; margin: 20px 0; border-radius: 0 8px 8px 0;\">\n<h4 style=\"margin: 0 0 10px 0; color: #1b5e20;\">&#x1f4a1; Dica de Ouro LARYA: O Desconto de 50%<\/h4>\n<p>Se este \u00e9 seu <strong>primeiro im\u00f3vel<\/strong>, financiado pelo SFH e para fins residenciais, a <strong>Lei Federal 6.015\/73 (Art. 290)<\/strong> garante <strong>50% de desconto<\/strong> nas taxas de registro. Em um im\u00f3vel de R$500k isso pode economizar R$3.500. Solicite formalmente no balc\u00e3o do cart\u00f3rio com declara\u00e7\u00e3o de primeiro im\u00f3vel.<\/p>\n<\/div>\n<h2 style=\"text-align: left; color: #041f30; font-weight: 800;\">3. Taxas Banc\u00e1rias no Financiamento<\/h2>\n<p style=\"text-align: left;\">Os bancos cobram taxas para liberar o cr\u00e9dito. Em 2026, os valores m\u00e9dios s\u00e3o:<\/p>\n<div style=\"overflow-x: auto; margin: 20px 0; border-radius: 10px; border: 1px solid #ddd;\">\n<table style=\"width: 100%; border-collapse: collapse; min-width: 500px;\">\n<thead>\n<tr style=\"background-color: #041f30; color: white;\">\n<th style=\"padding: 14px; text-align: left;\">Taxa Banc\u00e1ria<\/th>\n<th style=\"padding: 14px; text-align: center;\">Valor M\u00e9dio 2026<\/th>\n<th style=\"padding: 14px; text-align: center;\">Varia entre bancos?<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"border-bottom: 1px solid #eee;\">\n<td style=\"padding: 12px; font-weight: bold;\">Avalia\u00e7\u00e3o do Im\u00f3vel (PTAM)<\/td>\n<td style=\"padding: 12px; text-align: center;\">R$ 3.200 \u2013 R$ 3.800<\/td>\n<td style=\"padding: 12px; text-align: center; color: #c62828; font-weight: bold;\">Sim<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #eee; background-color: #f9f9f9;\">\n<td style=\"padding: 12px; font-weight: bold;\">Taxa Jur\u00eddica \/ An\u00e1lise<\/td>\n<td style=\"padding: 12px; text-align: center;\">R$ 0 \u2013 R$ 1.500<\/td>\n<td style=\"padding: 12px; text-align: center; color: #c62828; font-weight: bold;\">Sim<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #eee;\">\n<td style=\"padding: 12px; font-weight: bold;\">IOF (SFI \u2014 acima R$2,25M)<\/td>\n<td style=\"padding: 12px; text-align: center;\">0,38% do valor<\/td>\n<td style=\"padding: 12px; text-align: center;\">Fixo por lei<\/td>\n<\/tr>\n<tr style=\"background-color: #e8f5e9;\">\n<td style=\"padding: 12px; font-weight: bold;\">Registro da Aliena\u00e7\u00e3o Fiduci\u00e1ria<\/td>\n<td style=\"padding: 12px; text-align: center;\">~R$ 1.200<\/td>\n<td style=\"padding: 12px; text-align: center;\">Pouco<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><!-- CTA SIMULADOR --><\/p>\n<div style=\"width: 100%; text-align: center; margin: 35px 0;\">\n<p style=\"color: #555; font-size: 1rem; margin-bottom: 15px;\">A LARYA compara as taxas banc\u00e1rias de todos os bancos \u2014 n\u00e3o s\u00f3 os juros:<\/p>\n<p><a style=\"display: inline-block; background-color: #fe1637; color: #ffffff; padding: 18px 50px; text-decoration: none; border-radius: 50px; font-weight: 800; font-size: 1.1rem; box-shadow: 0 4px 15px rgba(254,22,55,0.4);\" href=\"https:\/\/larya.com.br\/simulador-de-financiamento-imobiliario\"><strong>Comparar Custos Banc\u00e1rios Agora \u2192<\/strong><\/a><\/p>\n<p style=\"font-size: 0.85rem; color: #888; margin-top: 10px;\">Simula\u00e7\u00e3o gratuita. 7 bancos em 2 minutos.<\/p>\n<\/div>\n<h2 style=\"text-align: left; color: #041f30; font-weight: 800;\">4. Custos &#8220;Ocultos&#8221;: O que ningu\u00e9m te conta<\/h2>\n<h3 style=\"color: #041f30;\">Laud\u00eamio (Im\u00f3veis no Litoral)<\/h3>\n<p style=\"text-align: left;\">Im\u00f3veis em \u00e1rea de marinha (Santos, Rio, Florian\u00f3polis, Recife) podem ter cobran\u00e7a de <strong>Laud\u00eamio pela Uni\u00e3o\/SPU<\/strong>: 5% do valor do terreno. Geralmente pago pelo vendedor, mas deve constar explicitamente no contrato. Verifique no site da <a style=\"color: #041f30; font-weight: bold;\" href=\"https:\/\/www.gov.br\/patrimonio\/pt-br\" target=\"_blank\" rel=\"noopener\">SPU \u2014 Secretaria do Patrim\u00f4nio da Uni\u00e3o<\/a>.<\/p>\n<h3 style=\"color: #041f30;\">Certid\u00f5es Negativas (Due Diligence)<\/h3>\n<p style=\"text-align: left;\">Para comprar com seguran\u00e7a, \u00e9 necess\u00e1rio obter certid\u00f5es do vendedor \u2014 trabalhistas, c\u00edveis, federais e da matr\u00edcula. Custo aproximado: <strong>R$400 a R$800<\/strong>. Em im\u00f3veis acima de R$1M, a LARYA recomenda tamb\u00e9m uma due diligence jur\u00eddica completa (~R$5.000) para evitar surpresas na escritura.<\/p>\n<h2 style=\"text-align: left; color: #041f30; font-weight: 800;\">5. Quadro Resumo: Quem Paga o Qu\u00ea?<\/h2>\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;\">Despesa<\/th>\n<th style=\"padding: 14px; text-align: center;\">Respons\u00e1vel (Padr\u00e3o)<\/th>\n<th style=\"padding: 14px; text-align: center;\">Valor Estimado<\/th>\n<th style=\"padding: 14px; text-align: center;\">Negoci\u00e1vel?<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"border-bottom: 1px solid #eee;\">\n<td style=\"padding: 12px; font-weight: bold;\">ITBI<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #c62828;\">Comprador<\/td>\n<td style=\"padding: 12px; text-align: center;\">2% a 3%<\/td>\n<td style=\"padding: 12px; text-align: center;\">Sim*<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #eee; background-color: #f9f9f9;\">\n<td style=\"padding: 12px; font-weight: bold;\">Registro de Im\u00f3veis<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #c62828;\">Comprador<\/td>\n<td style=\"padding: 12px; text-align: center;\">~1,5%<\/td>\n<td style=\"padding: 12px; text-align: center;\">50% desc. (1\u00ba im\u00f3vel)<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #eee;\">\n<td style=\"padding: 12px; font-weight: bold;\">Avalia\u00e7\u00e3o Banc\u00e1ria<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #c62828;\">Comprador<\/td>\n<td style=\"padding: 12px; text-align: center;\">~R$3.500<\/td>\n<td style=\"padding: 12px; text-align: center;\">Entre bancos<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #eee; background-color: #f9f9f9;\">\n<td style=\"padding: 12px; font-weight: bold;\">Comiss\u00e3o Corretor (6%)<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #28a745;\">Vendedor<\/td>\n<td style=\"padding: 12px; text-align: center;\">6%<\/td>\n<td style=\"padding: 12px; text-align: center;\">Sim*<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #eee;\">\n<td style=\"padding: 12px; font-weight: bold;\">Laud\u00eamio (litoral)<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #28a745;\">Vendedor<\/td>\n<td style=\"padding: 12px; text-align: center;\">5% do terreno<\/td>\n<td style=\"padding: 12px; text-align: center;\">Sim*<\/td>\n<\/tr>\n<tr style=\"background-color: #f9f9f9;\">\n<td style=\"padding: 12px; font-weight: bold;\">Certid\u00f5es \/ Due Diligence<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #c62828;\">Comprador<\/td>\n<td style=\"padding: 12px; text-align: center;\">R$400\u2013R$800<\/td>\n<td style=\"padding: 12px; text-align: center;\">N\u00e3o<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p style=\"font-size: 0.8em; color: #666; margin-top: 5px;\"><em>*Em leil\u00f5es e lan\u00e7amentos (na planta), o contrato pode mudar as responsabilidades. Leia sempre com aten\u00e7\u00e3o antes de assinar.<\/em><\/p>\n<p><!-- CTA ITBI MID PAGE --><\/p>\n<div style=\"background: linear-gradient(135deg, #fe1637 0%, #c0122c 100%); border-radius: 14px; padding: 28px; margin: 40px 0; text-align: center; color: white;\">\n<h3 style=\"color: white; margin-top: 0;\">Quanto vai custar o ITBI no seu im\u00f3vel?<\/h3>\n<p style=\"opacity: 0.9; margin-bottom: 20px; font-size: 1rem;\">Nossa calculadora j\u00e1 inclui as al\u00edquotas atualizadas de S\u00e3o Paulo, Rio, Curitiba, BH e mais 50 cidades.<\/p>\n<p><a style=\"display: inline-block; background-color: white; color: #fe1637; padding: 15px 40px; text-decoration: none; border-radius: 50px; font-weight: 800; font-size: 1rem;\" href=\"https:\/\/larya.com.br\/itbi\"><strong>Abrir Calculadora de ITBI \u2192<\/strong><\/a><\/p>\n<\/div>\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, pago pelo comprador no momento da escritura ou registro. Em 2026, incide sobre im\u00f3veis de qualquer valor \u2014 inclusive os enquadrados no novo teto SFH de <strong>R$2,25 milh\u00f5es<\/strong>.<\/p>\n<p>Use nossa <a style=\"color: #fe1637; font-weight: bold; text-decoration: underline;\" href=\"https:\/\/larya.com.br\/itbi\">Calculadora de ITBI da LARYA<\/a> para descobrir o valor exato na sua cidade antes de fechar o neg\u00f3cio.<\/p>\n<h2>Quando o ITBI \u00e9 Cobrado?<\/h2>\n<p>O ITBI \u00e9 devido em opera\u00e7\u00f5es de compra e venda, 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 estadual).<\/p>\n<h2>&#x1f1e7;&#x1f1f7; Links Oficiais do ITBI \u2013 Principais Cidades do Brasil<\/h2>\n<p>Abaixo os <strong>links oficiais das Prefeituras<\/strong> para consulta, c\u00e1lculo e emiss\u00e3o da guia do ITBI. Ou use o atalho: <a style=\"color: #fe1637; font-weight: bold;\" href=\"https:\/\/larya.com.br\/itbi\">larya.com.br\/itbi<\/a> \u2014 j\u00e1 consolidamos tudo em um s\u00f3 lugar.<\/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 ou nossa <a style=\"color: #fe1637; font-weight: bold;\" href=\"https:\/\/larya.com.br\/itbi\">calculadora centralizada<\/a>.<\/small><\/p>\n<\/article>\n<h2 style=\"text-align: left; color: #041f30; font-weight: 800; margin-top: 50px;\">Conclus\u00e3o: Como a LARYA Go Casa protege seu dinheiro<\/h2>\n<p style=\"text-align: left;\">A burocracia imobili\u00e1ria no Brasil \u00e9 complexa e cara. Um erro no c\u00e1lculo do ITBI ou a perda de um prazo no cart\u00f3rio pode custar milhares de reais em multas ou at\u00e9 inviabilizar o registro.<\/p>\n<p style=\"text-align: left;\">A <strong>LARYA Go Casa<\/strong> n\u00e3o \u00e9 apenas uma consultoria \u2014 \u00e9 um escudo para o comprador:<\/p>\n<ul>\n<li><strong>Auditamos a documenta\u00e7\u00e3o:<\/strong> Garantimos que o im\u00f3vel n\u00e3o tem d\u00edvidas ocultas na matr\u00edcula.<\/li>\n<li><strong>Calculamos as taxas exatas:<\/strong> ITBI, registro, taxas banc\u00e1rias \u2014 sem surpresas de \u00faltima hora.<\/li>\n<li><strong>Negociamos o valor:<\/strong> Muitas vezes conseguimos descontos que cobrem todos os custos de documenta\u00e7\u00e3o.<\/li>\n<li><strong>Acompanhamos at\u00e9 as chaves:<\/strong> Da aprova\u00e7\u00e3o do cr\u00e9dito ao registro final no cart\u00f3rio.<\/li>\n<\/ul>\n<div style=\"background: linear-gradient(135deg, #041f30 0%, #2c3e50 100%); padding: 40px 25px; border-radius: 15px; margin-top: 30px; text-align: center; color: white;\">\n<h2 style=\"color: white; margin-top: 0; margin-bottom: 15px;\">Compre seu Im\u00f3vel com Zero Burocracia<\/h2>\n<p style=\"font-size: 1.05em; margin-bottom: 25px; opacity: 0.9;\">Deixe a LARYA cuidar da papelada, dos cart\u00f3rios e dos bancos. Voc\u00ea s\u00f3 pega as chaves.<\/p>\n<div style=\"display: flex; justify-content: center; gap: 15px; flex-wrap: wrap;\"><a style=\"display: inline-block; background-color: #fe1637; color: white; padding: 16px 35px; text-decoration: none; border-radius: 50px; font-weight: 800; font-size: 1rem; box-shadow: 0 4px 15px rgba(0,0,0,0.3);\" href=\"https:\/\/larya.com.br\/go-casa\">Falar com Especialista Go Casa \u2192<\/a><br \/>\n<a style=\"display: inline-block; background-color: transparent; color: white; padding: 16px 35px; text-decoration: none; border-radius: 50px; font-weight: bold; font-size: 1rem; border: 2px solid white;\" href=\"https:\/\/larya.com.br\/itbi\">Calcular meu ITBI \u2192<\/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%20calcular%20os%20custos%20de%20fechamento%20do%20meu%20imovel&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\" \/> Calcular Custos com Especialista LARYA<br \/>\n<\/a><\/div>\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\/14989' 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-16780-79nsiY7PZo' 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-HJQrKBo82p' 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-bfEXdHaHQX' 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-Vxn54tnlwG' 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-ufr1T19ylp' 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-PHlYcn3mU2' 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-Q8yXoSbFJ6' 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-qtr7ufbIrh' 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\/itbi\">&#x1f9ee; Calculadora de ITBI por Cidade<\/a><\/li>\n<li><a style=\"color: #041f30; text-decoration: none; border-bottom: 1px solid #ddd; padding-bottom: 5px; display: block;\" href=\"https:\/\/larya.com.br\/blog\/como-usar-fgts-para-financiamento-em-2026\/\">Como usar FGTS na entrada 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\/melhor-banco-para-financiar-imovel-2026\/\">Qual o melhor banco para financiar?<\/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<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 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\/go-casa\">Assessoria LARYA Go Casa<\/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":43,"featured_media":17209,"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":[2540,67],"tags":[3512,2582,4071,2771,2768,2770,968,2064,1788,2676,2772,3299,3296,2769,3298],"class_list":["post-14989","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guia-do-comprador","category-mercado-imobiliario-2026","tag-compra-de-casa","tag-compra-de-imovel","tag-compra-ou-alugel","tag-corretagem","tag-custos-de-compra-de-imovel","tag-escritura-publica","tag-financiamento-imobiliario","tag-financiar-imovel","tag-itbi","tag-larya","tag-laudemio","tag-quais-taxas-pagamos-quando-compramos-um-imovel","tag-quem-paga-a-taxa-de-avaliacao-do-imovel-comprador-ou-vendedor","tag-taxas-de-compra-de-imovel","tag-taxas-para-comprar-imovel"],"aioseo_notices":[],"jetpack_featured_media_url":"https:\/\/larya.com.br\/blog\/wp-content\/uploads\/2026\/01\/154018-como-escolher-o-imovel-ideal-em-um-portal-de-imoveis-1.webp","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/14989","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\/43"}],"replies":[{"embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/comments?post=14989"}],"version-history":[{"count":2,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/14989\/revisions"}],"predecessor-version":[{"id":18065,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/14989\/revisions\/18065"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/media\/17209"}],"wp:attachment":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/media?parent=14989"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/categories?post=14989"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/tags?post=14989"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}