É melhor imóvel PRONTO ou na PLANTA? (Vantagens do Imóvel na Planta)

Summary

In this video, the host discusses the advantages and disadvantages of buying a ready-made property versus one under construction ('na planta'). They compare the costs, risks, and potential appreciation of each, highlighting the affordability and negotiation opportunities with 'na planta' properties. The host also addresses the different stages of real estate development and their impact on pricing. Additionally, they touch on government subsidies and the benefits of using a real estate platform, 'Livar,' for a seamless purchasing process.

Takeaways

• 🏠 When purchasing real estate, you can choose between a ready-built property or one that is still under construction or in the planning stage.
• 📈 The price of a property can vary significantly depending on the stage of construction, with earlier stages generally being more affordable.
• 🕒 There are typically four phases in real estate development: pre-launch, launch, construction, and ready-to-move-in, each affecting the property's price and availability.
• 💰 Buying a property in the planning stage can be cheaper due to the need for upfront funds by the constructor and the associated risks.
• 🔍 It's crucial to assess the reputation of the constructor to mitigate the risk of construction delays or cancellations.
• 🏡 A significant advantage of buying a ready property is the immediate availability and reduced risk compared to properties under construction.
• ⏳ One of the main disadvantages of buying a property under construction is the waiting period before it's ready to move in.
• 💸 The government's 'Minha Casa, Minha Vida' program offers financial assistance that can be used to reduce the entry cost or the loan amount for eligible properties.
• 🏢 Condominium fees for new properties with modern amenities like pools and gyms are often higher compared to older buildings without such facilities.
• ⚖️ The Caixa Econômica Federal provides guarantees for construction completion and quality, even if the original constructor fails to deliver.
• 🤝 Companies like Livar offer free assistance in finding, financing, and purchasing real estate, providing valuable support throughout the entire process.

Q & A

What are the two main options available when purchasing a property?

The two main options are purchasing a ready-built property or buying a property that is still under construction or in the planning phase, often referred to as 'off-plan'.

What is the typical construction period for a property?

The construction period for a property can range between 12 to 36 months, which is approximately 1 to 3 years.

What are the four phases of property development mentioned in the script?

The four phases are: 1) Brief launch or future launch, 2) Launch phase, 3) Under construction phase, and 4) Ready to move in phase.

Why are properties generally cheaper during the brief launch phase?

Properties are cheaper during the brief launch phase because the construction has not yet started, and developers are looking to secure buyers early to generate funds and interest.

What is the main advantage of buying a ready-built property?

The main advantage is that it is immediately available to move into, which is ideal for those who are in urgent need of housing.

What is the main risk associated with buying a property off-plan?

The main risk is the possibility of construction delays or the developer failing to complete the project, which is rare but can happen.

How can buying a property off-plan be more affordable and why?

Buying off-plan can be more affordable because developers often offer discounts to secure buyers early on, as they need the capital to start or continue construction.

What is the benefit of分期付款 the down payment when purchasing a property off-plan?

The benefit is that instead of paying a large lump sum upfront, buyers can spread the cost over a period of time, often 12 to 36 months, reducing the immediate financial burden.

What is the 'Minha Casa, Minha Vida' program and how does it assist buyers?

The 'Minha Casa, Minha Vida' program is a government initiative that provides financial assistance to buyers, which can be used to reduce the down payment or mortgage amount, with subsidies potentially reaching up to R$55,000.

What is the impact of purchasing an older property compared to a new one?

Older properties may require renovation and lack modern amenities like a pool or gym, whereas new properties often come with these facilities. Additionally, older properties might have higher maintenance costs due to wear and tear.

How does the 'Livar' company assist in the property purchasing process?

Livar assists by helping buyers find, finance, and purchase properties for free. They guide buyers through the entire process, negotiate on their behalf, and help with paperwork and documentation.