<p data-path-to-node="3" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<span style="font-family: &quot;Google Sans Text&quot;, sans-serif; font-size: 12px;">A compra de um im&oacute;vel &eacute; a realiza&ccedil;&atilde;o de um sonho para muitos brasileiros, mas o planejamento financeiro vai muito al&eacute;m do valor da entrada e das parcelas do financiamento. Entre as taxas e impostos que surgem no processo, o </span><b data-index-in-node="224" data-path-to-node="4" style="font-family: &quot;Google Sans Text&quot;, sans-serif; font-size: 12px; line-height: 1.15 !important; margin-top: 0px !important;">ITBI</b><span style="font-family: &quot;Google Sans Text&quot;, sans-serif; font-size: 12px;"> &eacute;, sem d&uacute;vida, um dos mais importantes.</span></p>
<p data-path-to-node="5" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Se voc&ecirc; est&aacute; em processo de compra ou apenas pesquisando o mercado, entender o que &eacute; o ITBI e como ele funciona &eacute; essencial para evitar surpresas no or&ccedil;amento e atrasos na documenta&ccedil;&atilde;o.</p>
<hr data-path-to-node="6" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;" />
<h2 data-path-to-node="7" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	O que significa a sigla ITBI?</h2>
<p data-path-to-node="8" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	O <b data-index-in-node="2" data-path-to-node="8" style="line-height: 1.15 !important; margin-top: 0px !important;">ITBI</b> significa <b data-index-in-node="17" data-path-to-node="8" style="line-height: 1.15 !important; margin-top: 0px !important;">Imposto sobre a Transmiss&atilde;o de Bens Im&oacute;veis</b>. Trata-se de um tributo municipal que deve ser pago sempre que ocorre uma transfer&ecirc;ncia de propriedade de um im&oacute;vel entre pessoas vivas (chamada de transmiss&atilde;o <i data-index-in-node="221" data-path-to-node="8" style="line-height: 1.15 !important; margin-top: 0px !important;">inter vivos</i>).</p>
<p data-path-to-node="9" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Sem o comprovante de pagamento deste imposto, o novo propriet&aacute;rio n&atilde;o consegue registrar o im&oacute;vel em seu nome no Cart&oacute;rio de Registro de Im&oacute;veis. Ou seja: perante a lei, voc&ecirc; s&oacute; &eacute; dono de fato ap&oacute;s quitar o ITBI e finalizar o registro.</p>
<hr data-path-to-node="10" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;" />
<h2 data-path-to-node="11" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Quem deve pagar o ITBI?</h2>
<p data-path-to-node="12" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Essa &eacute; a d&uacute;vida mais comum nos plant&otilde;es de venda. De acordo com o <b data-index-in-node="66" data-path-to-node="12" style="line-height: 1.15 !important; margin-top: 0px !important;">Artigo 42 do C&oacute;digo Tribut&aacute;rio Nacional</b>, a lei n&atilde;o imp&otilde;e estritamente se o comprador ou o vendedor deve pagar, mas estabelece que a legisla&ccedil;&atilde;o municipal definir&aacute; o contribuinte.</p>
<ul data-path-to-node="13" style="padding-inline-start: 32px; font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="13,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="13,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Na pr&aacute;tica do mercado:</b> Em quase 100% dos casos, <b data-index-in-node="48" data-path-to-node="13,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">o pagamento do ITBI cabe ao comprador</b>.</p>
	</li>
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="13,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="13,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Contrato Particular:</b> Nada impede que as partes negociem o contr&aacute;rio, mas, na aus&ecirc;ncia de uma cl&aacute;usula espec&iacute;fica, a responsabilidade recai sobre quem est&aacute; adquirindo o bem.</p>
	</li>
</ul>
<h3 data-path-to-node="14" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	E em casos de doa&ccedil;&atilde;o ou heran&ccedil;a?</h3>
<p data-path-to-node="15" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Fique atento: se o im&oacute;vel for transferido por heran&ccedil;a ou doa&ccedil;&atilde;o, o imposto cobrado n&atilde;o &eacute; o ITBI, mas sim o <b data-index-in-node="107" data-path-to-node="15" style="line-height: 1.15 !important; margin-top: 0px !important;">ITCMD</b> (Imposto sobre Transmiss&atilde;o Causa Mortis e Doa&ccedil;&atilde;o), que &eacute; um tributo estadual e possui al&iacute;quotas diferentes.</p>
<hr data-path-to-node="16" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;" />
<h2 data-path-to-node="17" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Como calcular o valor do ITBI?</h2>
<p data-path-to-node="18" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	O valor do imposto n&atilde;o &eacute; fixo; ele varia conforme a cidade onde o im&oacute;vel est&aacute; localizado e o valor do pr&oacute;prio bem. A f&oacute;rmula b&aacute;sica &eacute;:</p>
<div data-path-to-node="19" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<div class="math-block" data-math="\text{Valor do ITBI} = \text{Base de Cálculo} \times \text{Alíquota Municipal}" style="line-height: 1.15 !important; margin-top: 0px !important;">
		Valor do ITBI = Base de C&aacute;lculo X Al&iacute;quota Municipal</div>
	<div class="math-block" data-math="\text{Valor do ITBI} = \text{Base de Cálculo} \times \text{Alíquota Municipal}" style="line-height: 1.15 !important; margin-top: 0px !important;">
		&nbsp;</div>
</div>
<h3 data-path-to-node="20" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	1. A Al&iacute;quota</h3>
<p data-path-to-node="21" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Geralmente, as al&iacute;quotas variam entre <b data-index-in-node="38" data-path-to-node="21" style="line-height: 1.15 !important; margin-top: 0px !important;">2% e 3%</b> do valor do im&oacute;vel em grandes capitais como S&atilde;o Paulo, Rio de Janeiro e Belo Horizonte.</p>
<h3 data-path-to-node="22" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	2. A Base de C&aacute;lculo</h3>
<p data-path-to-node="23" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Aqui reside uma confus&atilde;o comum. A prefeitura utiliza o maior valor entre:</p>
<ul data-path-to-node="24" style="padding-inline-start: 32px; font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="24,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="24,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Valor de Venda:</b> O pre&ccedil;o real que voc&ecirc; pagou pelo im&oacute;vel.</p>
	</li>
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="24,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="24,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Valor Venal de Refer&ecirc;ncia:</b> Uma estimativa de mercado feita pela pr&oacute;pria prefeitura para fins de tributa&ccedil;&atilde;o.</p>
	</li>
</ul>
<blockquote data-path-to-node="25" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<p data-path-to-node="25,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
		<b data-index-in-node="0" data-path-to-node="25,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Nota importante:</b> Em 2022, o STJ (Superior Tribunal de Justi&ccedil;a) decidiu que o ITBI deve ser calculado com base no valor da transa&ccedil;&atilde;o declarada pelo contribuinte, e n&atilde;o em valores de refer&ecirc;ncia pr&eacute;-estabelecidos pela prefeitura, a menos que haja suspeita de fraude.</p>
</blockquote>
<hr data-path-to-node="26" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;" />
<h2 data-path-to-node="27" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Quando o imposto deve ser pago?</h2>
<p data-path-to-node="28" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	O prazo varia de acordo com o munic&iacute;pio, mas as duas situa&ccedil;&otilde;es mais comuns s&atilde;o:</p>
<ol data-path-to-node="29" start="1" style="padding-inline-start: 32px; font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="29,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="29,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Ap&oacute;s a assinatura da escritura p&uacute;blica</b> (em compras &agrave; vista).</p>
	</li>
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="29,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="29,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">No momento do registro do contrato de financiamento</b> banc&aacute;rio.</p>
	</li>
</ol>
<p data-path-to-node="30" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Muitas prefeituras oferecem descontos para pagamentos &agrave; vista ou para im&oacute;veis adquiridos pelo Sistema Financeiro de Habita&ccedil;&atilde;o (SFH). Verifique sempre o site da Secretaria da Fazenda da sua cidade.</p>
<hr data-path-to-node="31" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;" />
<h2 data-path-to-node="32" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	&Eacute; poss&iacute;vel conseguir isen&ccedil;&atilde;o?</h2>
<p data-path-to-node="33" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Sim, existem casos espec&iacute;ficos onde o comprador fica isento ou recebe um desconto generoso:</p>
<ul data-path-to-node="34" style="padding-inline-start: 32px; font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="34,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="34,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Programas Sociais:</b> Im&oacute;veis de baixo valor vinculados a programas como o &quot;Minha Casa, Minha Vida&quot; costumam ter al&iacute;quotas reduzidas ou isen&ccedil;&atilde;o total.</p>
	</li>
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="34,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="34,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Primeiro Im&oacute;vel:</b> Algumas cidades oferecem descontos para quem est&aacute; comprando sua primeira resid&ecirc;ncia (embora essa regra seja mais comum para as taxas de cart&oacute;rio, algumas legisla&ccedil;&otilde;es municipais tamb&eacute;m aplicam ao ITBI).</p>
	</li>
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="34,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="34,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Incorpora&ccedil;&atilde;o de Bens:</b> Quando o im&oacute;vel &eacute; transferido para o patrim&ocirc;nio de uma empresa (pessoa jur&iacute;dica) como integraliza&ccedil;&atilde;o de capital.</p>
	</li>
</ul>
<hr data-path-to-node="35" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;" />
<h2 data-path-to-node="36" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Conclus&atilde;o</h2>
<p data-path-to-node="37" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	O ITBI &eacute; um custo obrigat&oacute;rio e indispens&aacute;vel para garantir a seguran&ccedil;a jur&iacute;dica da sua compra. Ignor&aacute;-lo pode impedir o registro do im&oacute;vel, gerando dores de cabe&ccedil;a futuras. Ao planejar sua compra, reserve sempre entre <b data-index-in-node="219" data-path-to-node="37" style="line-height: 1.15 !important; margin-top: 0px !important;">4% e 5% do valor total do im&oacute;vel</b> para cobrir o ITBI e os custos de cart&oacute;rio (Escritura e Registro).</p>

<p data-path-to-node="3" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<span style="font-family: &quot;Google Sans Text&quot;, sans-serif; font-size: 12px;">O processo de informar ao Cart&oacute;rio que o im&oacute;vel sofreu altera&ccedil;&otilde;es f&iacute;sicas chama-se </span><b data-index-in-node="83" data-path-to-node="4" style="font-family: &quot;Google Sans Text&quot;, sans-serif; font-size: 12px; line-height: 1.15 !important; margin-top: 0px !important;">Averba&ccedil;&atilde;o</b><span style="font-family: &quot;Google Sans Text&quot;, sans-serif; font-size: 12px;">. Diferente do registro (que muda quem &eacute; o dono), a averba&ccedil;&atilde;o altera as caracter&iacute;sticas do objeto.</span></p>
<h2 data-path-to-node="5" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	1. O Caminho das Pedras: Da Obra ao Cart&oacute;rio</h2>
<p data-path-to-node="6" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Para que o cart&oacute;rio aceite &quot;escrever&quot; na sua matr&iacute;cula que a casa aumentou, voc&ecirc; precisa seguir este fluxo burocr&aacute;tico:</p>
<h3 data-path-to-node="7" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Passo 1: O &quot;Habite-se&quot; na Prefeitura</h3>
<p data-path-to-node="8" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Ap&oacute;s a conclus&atilde;o da obra, a prefeitura realiza uma vistoria para conferir se o que foi constru&iacute;do condiz com o projeto aprovado. Se estiver tudo certo, eles emitem o <b data-index-in-node="166" data-path-to-node="8" style="line-height: 1.15 !important; margin-top: 0px !important;">Certificado de Conclus&atilde;o de Obra (Habite-se)</b>.</p>
<h3 data-path-to-node="9" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Passo 2: Certid&atilde;o Negativa de D&eacute;bitos (CND) do INSS</h3>
<p data-path-to-node="10" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Toda constru&ccedil;&atilde;o civil gera obriga&ccedil;&otilde;es previdenci&aacute;rias sobre a m&atilde;o de obra utilizada. Voc&ecirc; precisar&aacute; acessar o portal da Receita Federal (e-CAC), utilizar o <b data-index-in-node="156" data-path-to-node="10" style="line-height: 1.15 !important; margin-top: 0px !important;">SERO</b> (Servi&ccedil;o Brasileiro de Aferi&ccedil;&atilde;o de Obras) e emitir a CND de Obra. Sem ela, o cart&oacute;rio barra o processo.</p>
<h3 data-path-to-node="11" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Passo 3: Requerimento ao Cart&oacute;rio</h3>
<p data-path-to-node="12" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Com o Habite-se e a CND em m&atilde;os, voc&ecirc; protocola o pedido de averba&ccedil;&atilde;o no Cart&oacute;rio de Registro de Im&oacute;veis onde o bem est&aacute; matriculado.</p>
<hr data-path-to-node="13" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;" />
<h2 data-path-to-node="14" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	2. Documenta&ccedil;&atilde;o Necess&aacute;ria para Averba&ccedil;&atilde;o</h2>
<p data-path-to-node="15" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Prepare esta pasta para evitar exig&ecirc;ncias (o famoso &quot;comunique-se&quot; dos cart&oacute;rios):</p>
<table data-path-to-node="16" style="margin-bottom: 32px; font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<thead style="line-height: 1.15 !important; margin-top: 0px !important;">
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<strong style="line-height: 1.15 !important; margin-top: 0px !important; margin-bottom: 0px !important;">Documento</strong></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<strong style="line-height: 1.15 !important; margin-top: 0px !important; margin-bottom: 0px !important;">Onde obter</strong></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<strong style="line-height: 1.15 !important; margin-top: 0px !important; margin-bottom: 0px !important;">Finalidade</strong></td>
		</tr>
	</thead>
	<tbody style="line-height: 1.15 !important; margin-top: 0px !important;">
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="16,1,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="16,1,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Habite-se</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="16,1,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Prefeitura Municipal</span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="16,1,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Provar que a obra est&aacute; conclu&iacute;da e legalizada.</span></td>
		</tr>
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="16,2,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="16,2,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">CND de Obra</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="16,2,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Receita Federal (Site)</span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="16,2,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Provar que os impostos previdenci&aacute;rios foram pagos.</span></td>
		</tr>
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="16,3,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="16,3,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Requerimento de Averba&ccedil;&atilde;o</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="16,3,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Modelo no Cart&oacute;rio</span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="16,3,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Solicita&ccedil;&atilde;o formal com firma reconhecida.</span></td>
		</tr>
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="16,4,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="16,4,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Certid&atilde;o de Valor Venal</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="16,4,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Prefeitura</span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="16,4,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Para base de c&aacute;lculo das taxas (em alguns casos).</span></td>
		</tr>
	</tbody>
</table>
<hr data-path-to-node="17" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;" />
<h2 data-path-to-node="18" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	3. Por que voc&ecirc; deve fazer isso agora em 2026?</h2>
<p data-path-to-node="19" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Muitos deixam para regularizar apenas na hora de vender. <b data-index-in-node="57" data-path-to-node="19" style="line-height: 1.15 !important; margin-top: 0px !important;">Isso &eacute; um risco.</b></p>
<ul data-path-to-node="20" style="padding-inline-start: 32px; font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="20,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="20,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Valoriza&ccedil;&atilde;o Imediata:</b> Bancos s&oacute; financiam o que est&aacute; na matr&iacute;cula. Se a amplia&ccedil;&atilde;o n&atilde;o estiver averbada, o comprador n&atilde;o consegue financiamento total, o que afasta interessados.</p>
	</li>
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="20,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="20,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Fiscaliza&ccedil;&atilde;o Eletr&ocirc;nica:</b> Atualmente, as prefeituras utilizam drones e imagens de sat&eacute;lite para comparar a &aacute;rea constru&iacute;da real com o cadastro. Se houver diverg&ecirc;ncia, o IPTU pode vir com multas pesadas.</p>
	</li>
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="20,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="20,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Invent&aacute;rio Facilitado:</b> Regularizar em vida evita que os herdeiros herdem um &quot;problema jur&iacute;dico&quot; caro e lento de resolver.</p>
	</li>
</ul>
<hr data-path-to-node="21" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;" />
<h2 data-path-to-node="22" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	4. Custos Envolvidos</h2>
<p data-path-to-node="23" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Diferente do registro de compra, a averba&ccedil;&atilde;o costuma ter um custo fixo ou baseado em faixas de &aacute;rea constru&iacute;da, dependendo do estado. &Eacute; consideravelmente mais barato que o registro de transfer&ecirc;ncia, mas exige o pagamento das taxas de vistoria da prefeitura e, principalmente, do INSS da obra.</p>
<blockquote data-path-to-node="24" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<p data-path-to-node="24,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
		<b data-index-in-node="0" data-path-to-node="24,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Dica de Ouro:</b> Se a sua constru&ccedil;&atilde;o &eacute; antiga (mais de 5 anos), pode haver a <b data-index-in-node="74" data-path-to-node="24,0" style="line-height: 1.15 !important; margin-top: 0px !important;">decad&ecirc;ncia do cr&eacute;dito previdenci&aacute;rio</b>, o que significa que voc&ecirc; pode conseguir a CND do INSS sem pagar o imposto sobre a obra, apenas comprovando a idade da constru&ccedil;&atilde;o.</p>
</blockquote>
<hr data-path-to-node="25" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;" />
<p data-path-to-node="26" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Regularizar a matr&iacute;cula &eacute; o toque final que transforma uma &quot;reforma&quot; em &quot;patrim&ocirc;nio&quot;.</p>

<p data-path-to-node="3" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<span style="font-family: &quot;Google Sans Text&quot;, sans-serif; font-size: 12px;">A matr&iacute;cula &eacute; o documento mais importante de um im&oacute;vel. Ela funciona como um hist&oacute;rico vital&iacute;cio: ali constam todas as vendas, hipotecas, doa&ccedil;&otilde;es, casamentos e &oacute;bitos dos propriet&aacute;rios, al&eacute;m de descri&ccedil;&otilde;es detalhadas da &aacute;rea f&iacute;sica. </span><b data-index-in-node="232" data-path-to-node="4" style="font-family: &quot;Google Sans Text&quot;, sans-serif; font-size: 12px; line-height: 1.15 !important; margin-top: 0px !important;">Sem matr&iacute;cula, o im&oacute;vel &eacute; juridicamente &quot;invis&iacute;vel&quot;.</b></p>
<h2 data-path-to-node="5" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	1. O que significa &quot;fazer a matr&iacute;cula&quot;?</h2>
<p data-path-to-node="6" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	&Eacute; importante distinguir dois cen&aacute;rios que os leitores costumam confundir:</p>
<ul data-path-to-node="7" style="padding-inline-start: 32px; font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="7,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="7,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Abertura de Matr&iacute;cula:</b> Quando o im&oacute;vel ainda n&atilde;o tem um n&uacute;mero de registro (comum em loteamentos novos ou im&oacute;veis muito antigos que ainda usam o sistema de &quot;Transcri&ccedil;&otilde;es&quot;).</p>
	</li>
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="7,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="7,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Registro na Matr&iacute;cula:</b> Quando o im&oacute;vel j&aacute; existe legalmente e voc&ecirc; apenas &quot;averba&quot; ou &quot;registra&quot; uma nova informa&ccedil;&atilde;o (como uma venda ou constru&ccedil;&atilde;o).</p>
	</li>
</ul>
<hr data-path-to-node="8" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;" />
<h2 data-path-to-node="9" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	2. Passo a Passo para a Abertura de uma Nova Matr&iacute;cula</h2>
<p data-path-to-node="10" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Se voc&ecirc; est&aacute; regularizando um im&oacute;vel ou desmembrando um terreno, o processo segue este rito:</p>
<h3 data-path-to-node="11" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Passo 1: Levantamento T&eacute;cnico</h3>
<p data-path-to-node="12" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Para im&oacute;veis novos ou regulariza&ccedil;&otilde;es (como o REURB), &eacute; necess&aacute;rio um memorial descritivo e uma planta assinada por um engenheiro ou agrimensor com a devida <b data-index-in-node="156" data-path-to-node="12" style="line-height: 1.15 !important; margin-top: 0px !important;">ART (Anota&ccedil;&atilde;o de Responsabilidade T&eacute;cnica)</b>. O cart&oacute;rio precisa saber exatamente onde o im&oacute;vel come&ccedil;a e onde termina.</p>
<h3 data-path-to-node="13" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Passo 2: Documenta&ccedil;&atilde;o de Origem</h3>
<p data-path-to-node="14" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Voc&ecirc; precisar&aacute; apresentar o t&iacute;tulo que justifica a cria&ccedil;&atilde;o daquela matr&iacute;cula. Pode ser:</p>
<ul data-path-to-node="15" style="padding-inline-start: 32px; font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="15,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			Uma <b data-index-in-node="4" data-path-to-node="15,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Escritura P&uacute;blica</b> de compra e venda.</p>
	</li>
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="15,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			Um <b data-index-in-node="3" data-path-to-node="15,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Formal de Partilha</b> (em casos de heran&ccedil;a).</p>
	</li>
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="15,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			Uma <b data-index-in-node="4" data-path-to-node="15,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Senten&ccedil;a Judicial</b> (como em processos de usucapi&atilde;o).</p>
	</li>
</ul>
<h3 data-path-to-node="16" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Passo 3: Protocolo no Cart&oacute;rio de Registro de Im&oacute;veis (CRI)</h3>
<p data-path-to-node="17" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	O pedido &eacute; protocolado no cart&oacute;rio da circunscri&ccedil;&atilde;o do im&oacute;vel. Em 2026, isso &eacute; feito preferencialmente de forma online via <b data-index-in-node="123" data-path-to-node="17" style="line-height: 1.15 !important; margin-top: 0px !important;">SAEC (Servi&ccedil;o de Atendimento Eletr&ocirc;nico Compartilhado)</b>.</p>
<hr data-path-to-node="18" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;" />
<h2 data-path-to-node="19" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	3. Checklist: Documentos Essenciais para o Registro</h2>
<table data-path-to-node="20" style="margin-bottom: 32px; font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<thead style="line-height: 1.15 !important; margin-top: 0px !important;">
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<strong style="line-height: 1.15 !important; margin-top: 0px !important; margin-bottom: 0px !important;">Documento</strong></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<strong style="line-height: 1.15 !important; margin-top: 0px !important; margin-bottom: 0px !important;">Finalidade</strong></td>
		</tr>
	</thead>
	<tbody style="line-height: 1.15 !important; margin-top: 0px !important;">
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="20,1,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="20,1,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Requerimento Assinado</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="20,1,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Solicita&ccedil;&atilde;o formal ao oficial do cart&oacute;rio.</span></td>
		</tr>
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="20,2,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="20,2,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">T&iacute;tulo Aquisitivo</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="20,2,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Escritura, contrato de financiamento ou senten&ccedil;a.</span></td>
		</tr>
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="20,3,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="20,3,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Guia de ITBI/ITCMD</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="20,3,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Comprovante de que os impostos de transmiss&atilde;o foram pagos.</span></td>
		</tr>
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="20,4,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="20,4,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Certid&otilde;es Pessoais</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="20,4,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Comprova&ccedil;&atilde;o da idoneidade e estado civil dos envolvidos.</span></td>
		</tr>
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="20,5,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="20,5,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">CCIR e ITR</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="20,5,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Obrigat&oacute;rios se o im&oacute;vel for rural.</span></td>
		</tr>
	</tbody>
</table>
<hr data-path-to-node="21" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;" />
<h2 data-path-to-node="22" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	4. Quanto custa e quanto tempo demora?</h2>
<p data-path-to-node="23" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Os valores para abrir ou registrar uma matr&iacute;cula s&atilde;o tabelados por leis estaduais e variam conforme o valor venal do im&oacute;vel.</p>
<ul data-path-to-node="24" style="padding-inline-start: 32px; font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="24,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="24,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Prazo de Exame:</b> O cart&oacute;rio tem at&eacute; <b data-index-in-node="35" data-path-to-node="24,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">15 dias</b> para analisar a documenta&ccedil;&atilde;o.</p>
	</li>
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="24,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="24,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Prazo de Registro:</b> Ap&oacute;s a an&aacute;lise e pagamento das custas, o prazo m&eacute;dio para a finaliza&ccedil;&atilde;o &eacute; de <b data-index-in-node="96" data-path-to-node="24,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">10 a 30 dias</b>.</p>
	</li>
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="24,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="24,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Custos:</b> Al&eacute;m do imposto (ITBI, geralmente entre 2% e 4%), espere gastar com os <b data-index-in-node="79" data-path-to-node="24,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">emolumentos cartor&aacute;rios</b>, que seguem uma tabela progressiva.</p>
	</li>
</ul>
<blockquote data-path-to-node="25" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<p data-path-to-node="25,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
		<b data-index-in-node="0" data-path-to-node="25,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Dica de Especialista:</b> Se o im&oacute;vel for fruto de uma primeira aquisi&ccedil;&atilde;o financiada pelo SFH, lembre-se do seu direito de <b data-index-in-node="119" data-path-to-node="25,0" style="line-height: 1.15 !important; margin-top: 0px !important;">50% de desconto</b> nas taxas de registro, conforme expliquei anteriormente.</p>
</blockquote>
<hr data-path-to-node="26" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;" />
<h2 data-path-to-node="27" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	5. A Matr&iacute;cula Digital e o ONR</h2>
<p data-path-to-node="28" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Desde a implementa&ccedil;&atilde;o total do <b data-index-in-node="31" data-path-to-node="28" style="line-height: 1.15 !important; margin-top: 0px !important;">Sistema de Registro Eletr&ocirc;nico de Im&oacute;veis (SREI)</b>, a matr&iacute;cula f&iacute;sica (aquele papel verde ou timbrado) deu lugar &agrave; <b data-index-in-node="145" data-path-to-node="28" style="line-height: 1.15 !important; margin-top: 0px !important;">Matr&iacute;cula Online</b>. Voc&ecirc; pode solicitar uma certid&atilde;o digitalizada em minutos, com a mesma validade jur&iacute;dica, o que facilita muito processos de venda e consulta de &ocirc;nus (d&iacute;vidas).</p>
<hr data-path-to-node="29" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;" />
<h3 data-path-to-node="30" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Conclus&atilde;o: A seguran&ccedil;a de estar registrado</h3>
<p data-path-to-node="31" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Ter a matr&iacute;cula em seu nome &eacute; o que garante a <b data-index-in-node="46" data-path-to-node="31" style="line-height: 1.15 !important; margin-top: 0px !important;">disponibilidade</b> do bem. Sem ela, voc&ecirc; n&atilde;o consegue financiar o im&oacute;vel, n&atilde;o pode oferec&ecirc;-lo como garantia e tem dificuldades imensas em um processo de invent&aacute;rio.</p>

<p data-path-to-node="3" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<span style="font-family: &quot;Google Sans Text&quot;, sans-serif; font-size: 12px;">Muitos compradores acreditam que, ao assinar o contrato na imobili&aacute;ria ou at&eacute; mesmo a escritura no tabelionato, o processo est&aacute; encerrado. </span><b data-index-in-node="139" data-path-to-node="4" style="font-family: &quot;Google Sans Text&quot;, sans-serif; font-size: 12px; line-height: 1.15 !important; margin-top: 0px !important;">Ledo engano.</b><span style="font-family: &quot;Google Sans Text&quot;, sans-serif; font-size: 12px;"> A transfer&ecirc;ncia de propriedade no Brasil s&oacute; acontece, de fato, quando o seu nome &eacute; gravado na matr&iacute;cula do im&oacute;vel junto ao Cart&oacute;rio de Registro de Im&oacute;veis (CRI).</span></p>
<p data-path-to-node="5" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Nesta mat&eacute;ria, vamos desmistificar as etapas, os custos e a documenta&ccedil;&atilde;o necess&aacute;ria para voc&ecirc; n&atilde;o correr riscos.</p>
<h2 data-path-to-node="6" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	1. Escritura vs. Registro: Entenda a diferen&ccedil;a</h2>
<p data-path-to-node="7" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Antes de colocar a m&atilde;o na massa, &eacute; preciso entender que s&atilde;o atos distintos:</p>
<ul data-path-to-node="8" style="padding-inline-start: 32px; font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="8,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="8,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Escritura P&uacute;blica:</b> &Eacute; o documento feito no Tabelionato de Notas que formaliza a vontade de compra e venda. Ela diz que &quot;A quer vender para B&quot;.</p>
	</li>
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="8,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="8,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Registro de Im&oacute;vel:</b> &Eacute; o ato final feito no Cart&oacute;rio de Registro de Im&oacute;veis (CRI). Ele efetiva a transfer&ecirc;ncia e atualiza o hist&oacute;rico (matr&iacute;cula) do bem.</p>
	</li>
</ul>
<hr data-path-to-node="9" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;" />
<h2 data-path-to-node="10" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	2. Passo a passo para registrar seu im&oacute;vel</h2>
<p data-path-to-node="11" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	O caminho para o registro segue uma ordem l&oacute;gica para garantir a seguran&ccedil;a jur&iacute;dica da transa&ccedil;&atilde;o.</p>
<h3 data-path-to-node="12" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Passo 1: Lavratura da Escritura P&uacute;blica</h3>
<p data-path-to-node="13" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Se a compra foi &agrave; vista ou atrav&eacute;s de contrato particular, voc&ecirc; deve ir a um <b data-index-in-node="77" data-path-to-node="13" style="line-height: 1.15 !important; margin-top: 0px !important;">Tabelionato de Notas</b>.</p>
<blockquote data-path-to-node="14" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<p data-path-to-node="14,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
		<b data-index-in-node="0" data-path-to-node="14,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Nota do Especialista:</b> Se houve financiamento banc&aacute;rio, o contrato do banco tem for&ccedil;a de escritura p&uacute;blica, o que pula esta etapa do tabelionato, indo direto para o pagamento de impostos.</p>
</blockquote>
<h3 data-path-to-node="15" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Passo 2: Pagamento do ITBI</h3>
<p data-path-to-node="16" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	O Imposto sobre Transmiss&atilde;o de Bens Im&oacute;veis (ITBI) &eacute; um tributo municipal. Sem o comprovante de pagamento dele, o cart&oacute;rio n&atilde;o processa o registro. A al&iacute;quota varia entre <b data-index-in-node="171" data-path-to-node="16" style="line-height: 1.15 !important; margin-top: 0px !important;">2% e 4%</b> do valor venal ou de transa&ccedil;&atilde;o do im&oacute;vel, dependendo da sua cidade.</p>
<h3 data-path-to-node="17" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Passo 3: Protocolo no Cart&oacute;rio de Registro de Im&oacute;veis (CRI)</h3>
<p data-path-to-node="18" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Com a escritura (ou contrato do banco) e a guia do ITBI paga em m&atilde;os, voc&ecirc; deve se dirigir ao cart&oacute;rio onde o im&oacute;vel est&aacute; matriculado. Cada im&oacute;vel pertence a uma &quot;circunscri&ccedil;&atilde;o&quot; espec&iacute;fica baseada no endere&ccedil;o.</p>
<hr data-path-to-node="19" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;" />
<h2 data-path-to-node="20" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	3. Checklist de Documenta&ccedil;&atilde;o Necess&aacute;ria</h2>
<p data-path-to-node="21" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Para evitar o famoso &quot;bate e volta&quot; no cart&oacute;rio, certifique-se de ter os seguintes documentos:</p>
<table data-path-to-node="22" style="margin-bottom: 32px; font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<thead style="line-height: 1.15 !important; margin-top: 0px !important;">
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<strong style="line-height: 1.15 !important; margin-top: 0px !important; margin-bottom: 0px !important;">Documento</strong></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<strong style="line-height: 1.15 !important; margin-top: 0px !important; margin-bottom: 0px !important;">Descri&ccedil;&atilde;o</strong></td>
		</tr>
	</thead>
	<tbody style="line-height: 1.15 !important; margin-top: 0px !important;">
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="22,1,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="22,1,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Escritura P&uacute;blica</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="22,1,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Ou contrato de financiamento banc&aacute;rio.</span></td>
		</tr>
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="22,2,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="22,2,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Guia do ITBI</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="22,2,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Com o respectivo comprovante de pagamento.</span></td>
		</tr>
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="22,3,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="22,3,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Documentos Pessoais</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="22,3,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">RG, CPF e certid&atilde;o de nascimento ou casamento (com averba&ccedil;&atilde;o, se houver).</span></td>
		</tr>
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="22,4,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="22,4,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Certid&otilde;es Negativas</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="22,4,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">De d&eacute;bitos municipais (IPTU) e do condom&iacute;nio.</span></td>
		</tr>
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="22,5,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="22,5,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Matr&iacute;cula Atualizada</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="22,5,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Geralmente o cart&oacute;rio j&aacute; possui, mas &eacute; bom ter uma c&oacute;pia recente.</span></td>
		</tr>
	</tbody>
</table>
<hr data-path-to-node="23" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;" />
<h2 data-path-to-node="24" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	4. Quanto custa registrar um im&oacute;vel?</h2>
<p data-path-to-node="25" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	O custo n&atilde;o &eacute; fixo e depende de dois fatores principais:</p>
<ol data-path-to-node="26" start="1" style="padding-inline-start: 32px; font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="26,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="26,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Valor do Im&oacute;vel:</b> As taxas cartor&aacute;rias (emolumentos) seguem uma tabela progressiva definida por lei estadual.</p>
	</li>
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="26,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="26,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Primeiro Im&oacute;vel:</b> Se este &eacute; o seu primeiro im&oacute;vel financiado pelo Sistema Financeiro de Habita&ccedil;&atilde;o (SFH), voc&ecirc; tem direito a <b data-index-in-node="123" data-path-to-node="26,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">50% de desconto</b> nas taxas de registro e escritura (Lei 6.015/73).</p>
	</li>
</ol>
<h3 data-path-to-node="27" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Prazos Legais</h3>
<p data-path-to-node="28" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Ap&oacute;s protocolar os documentos, o cart&oacute;rio tem um prazo legal (que costuma variar de 15 a 30 dias) para analisar a documenta&ccedil;&atilde;o. Se tudo estiver correto, o registro &eacute; efetuado e voc&ecirc; recebe a <b data-index-in-node="191" data-path-to-node="28" style="line-height: 1.15 !important; margin-top: 0px !important;">Matr&iacute;cula Atualizada</b>.</p>
<hr data-path-to-node="29" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;" />
<h2 data-path-to-node="30" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Dica de Ouro: O Registro Eletr&ocirc;nico</h2>
<p data-path-to-node="31" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Em 2026, a digitaliza&ccedil;&atilde;o dos cart&oacute;rios est&aacute; em patamares avan&ccedil;ad&iacute;ssimos. Hoje, &eacute; poss&iacute;vel realizar quase todo o processo atrav&eacute;s do <b data-index-in-node="132" data-path-to-node="31" style="line-height: 1.15 !important; margin-top: 0px !important;">ONR (Operador Nacional do Sistema de Registro Eletr&ocirc;nico de Im&oacute;veis)</b>, enviando documentos nato-digitais e economizando tempo de deslocamento.</p>
<h3 data-path-to-node="32" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Conclus&atilde;o</h3>
<p data-path-to-node="33" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Registrar um im&oacute;vel pode parecer burocr&aacute;tico e custoso de in&iacute;cio, mas &eacute; o &uacute;nico investimento que garante que o seu patrim&ocirc;nio est&aacute; protegido contra penhoras do antigo dono, vendas duplicadas ou problemas em heran&ccedil;as futuras.</p>
<p data-path-to-node="34" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<b data-index-in-node="0" data-path-to-node="34" style="line-height: 1.15 !important; margin-top: 0px !important;">O custo da seguran&ccedil;a jur&iacute;dica &eacute; sempre menor que o pre&ccedil;o da incerteza.</b></p>

<p data-path-to-node="2" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<span style="font-family: &quot;Google Sans Text&quot;, sans-serif; font-size: 12px;">Ap&oacute;s um per&iacute;odo de maior seletividade, a </span><b data-index-in-node="52" data-path-to-node="3" style="font-family: &quot;Google Sans Text&quot;, sans-serif; font-size: 12px; line-height: 1.15 !important; margin-top: 0px !important;">Caixa Econ&ocirc;mica Federal</b><span style="font-family: &quot;Google Sans Text&quot;, sans-serif; font-size: 12px;"> consolida em 2026 sua ofensiva para retomar a lideran&ccedil;a nos segmentos de m&eacute;dio e alto padr&atilde;o. Com a Selic est&aacute;vel, o banco estatal recalibrou sua estrat&eacute;gia para o </span><b data-index-in-node="240" data-path-to-node="3" style="font-family: &quot;Google Sans Text&quot;, sans-serif; font-size: 12px; line-height: 1.15 !important; margin-top: 0px !important;">SBPE (Sistema Brasileiro de Poupan&ccedil;a e Empr&eacute;stimo)</b><span style="font-family: &quot;Google Sans Text&quot;, sans-serif; font-size: 12px;">, oferecendo condi&ccedil;&otilde;es que desafiam diretamente a agilidade dos bancos privados.</span></p>
<h3 data-path-to-node="4" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	A &quot;Taxa de Relacionamento&quot;: O Trunfo da Caixa</h3>
<p data-path-to-node="5" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	O grande diferencial desta retomada &eacute; a <b data-index-in-node="40" data-path-to-node="5" style="line-height: 1.15 !important; margin-top: 0px !important;">Taxa Efetiva de Relacionamento</b>. Em 2026, a Caixa passou a bonificar agressivamente o cliente que concentra sua vida financeira na institui&ccedil;&atilde;o.</p>
<p data-path-to-node="6" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Enquanto a &quot;taxa de balc&atilde;o&quot; (para quem n&atilde;o tem v&iacute;nculo com o banco) gira em torno de <b data-index-in-node="85" data-path-to-node="6" style="line-height: 1.15 !important; margin-top: 0px !important;">11,19% a.a. + TR</b>, a taxa efetiva para clientes com relacionamento (sal&aacute;rio no banco, cart&otilde;es ativos e seguro residencial) cai para o patamar de <b data-index-in-node="229" data-path-to-node="6" style="line-height: 1.15 !important; margin-top: 0px !important;">10,26% a.a. + TR</b>. Essa diferen&ccedil;a de quase 1% ao ano pode representar uma economia de centenas de milhares de reais em contratos de longo prazo no alto padr&atilde;o.</p>
<hr data-path-to-node="7" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;" />
<h3 data-path-to-node="8" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	SAC vs. PRICE: Flexibilidade e Cotas de Financiamento</h3>
<p data-path-to-node="9" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	A Caixa tamb&eacute;m ajustou as r&eacute;deas das modalidades de amortiza&ccedil;&atilde;o. Para 2026, o banco definiu limites claros de alavancagem (LTV) dependendo da escolha do cliente:</p>
<ul data-path-to-node="10" style="padding-inline-start: 32px; font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="10,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="10,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Tabela SAC (Sistema de Amortiza&ccedil;&atilde;o Constante):</b> Preferida por 80% dos brasileiros, ela permite o financiamento de at&eacute; <b data-index-in-node="117" data-path-to-node="10,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">80% do valor do im&oacute;vel</b>. &Eacute; a escolha ideal para quem quer parcelas decrescentes e menor custo total de juros.</p>
	</li>
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="10,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="10,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Tabela PRICE:</b> Voltada para quem precisa de parcelas iniciais mais baixas para se enquadrar na an&aacute;lise de renda, a quota &eacute; mais restrita, permitindo financiar at&eacute; <b data-index-in-node="162" data-path-to-node="10,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">70% do valor do im&oacute;vel</b>.</p>
	</li>
</ul>
<blockquote data-path-to-node="11" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<p data-path-to-node="11,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
		&quot;A flexibilidade na escolha da tabela, somada &agrave; volta da cota de 80% no SAC, &eacute; o que est&aacute; trazendo o investidor de volta para a Caixa&quot;, explica um consultor de cr&eacute;dito imobili&aacute;rio ouvido pela reportagem.</p>
</blockquote>
<hr data-path-to-node="12" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;" />
<h3 data-path-to-node="13" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Novos Limites: O Fim do Teto para o Luxo</h3>
<p data-path-to-node="14" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Uma das maiores novidades de 2026 &eacute; a atualiza&ccedil;&atilde;o dos tetos de financiamento. O <b data-index-in-node="80" data-path-to-node="14" style="line-height: 1.15 !important; margin-top: 0px !important;">SFH (Sistema Financeiro de Habita&ccedil;&atilde;o)</b>, que utiliza o FGTS, teve seu limite elevado para <b data-index-in-node="168" data-path-to-node="14" style="line-height: 1.15 !important; margin-top: 0px !important;">R$ 2,25 milh&otilde;es</b>.</p>
<p data-path-to-node="15" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	J&aacute; para o segmento de <b data-index-in-node="22" data-path-to-node="15" style="line-height: 1.15 !important; margin-top: 0px !important;">Alto Luxo</b>, enquadrado no <b data-index-in-node="47" data-path-to-node="15" style="line-height: 1.15 !important; margin-top: 0px !important;">SFI (Sistema Financeiro Imobili&aacute;rio)</b>, a Caixa removeu barreiras:</p>
<ul data-path-to-node="16" style="padding-inline-start: 32px; font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="16,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="16,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Valor M&aacute;ximo de Avalia&ccedil;&atilde;o:</b> Sem limite pr&eacute;-fixado (atendendo mans&otilde;es e coberturas de alt&iacute;ssimo valor).</p>
	</li>
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="16,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="16,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Valor M&aacute;ximo de Financiamento:</b> Pode chegar a <b data-index-in-node="45" data-path-to-node="16,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">R$ 10 milh&otilde;es ou mais</b>, sujeito apenas &agrave; capacidade de pagamento e an&aacute;lise de garantias especiais.</p>
	</li>
</ul>
<hr data-path-to-node="17" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;" />
<h3 data-path-to-node="18" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Comparativo T&eacute;cnico: Condi&ccedil;&otilde;es Caixa 2026 (SBPE)</h3>
<table data-path-to-node="19" style="margin-bottom: 32px; font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<thead style="line-height: 1.15 !important; margin-top: 0px !important;">
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<strong style="line-height: 1.15 !important; margin-top: 0px !important; margin-bottom: 0px !important;">Indicador</strong></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<strong style="line-height: 1.15 !important; margin-top: 0px !important; margin-bottom: 0px !important;">Tabela SAC</strong></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<strong style="line-height: 1.15 !important; margin-top: 0px !important; margin-bottom: 0px !important;">Tabela PRICE</strong></td>
		</tr>
	</thead>
	<tbody style="line-height: 1.15 !important; margin-top: 0px !important;">
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="19,1,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="19,1,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Taxa de Balc&atilde;o (A.A.)</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="19,1,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">11,19% + TR</span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="19,1,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">11,19% + TR</span></td>
		</tr>
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="19,2,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="19,2,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Taxa Efetiva Relacionamento</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="19,2,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="19,2,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">10,26% + TR</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="19,2,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="19,2,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">10,26% + TR</b></span></td>
		</tr>
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="19,3,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="19,3,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Cota M&aacute;xima (LTV)</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="19,3,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="19,3,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">80% do im&oacute;vel</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="19,3,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="19,3,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">70% do im&oacute;vel</b></span></td>
		</tr>
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="19,4,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="19,4,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Perfil da Parcela</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="19,4,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Decrescente (Maior no in&iacute;cio)</span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="19,4,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Fixa (Menor no in&iacute;cio)</span></td>
		</tr>
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="19,5,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="19,5,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Teto de Valor (SFI)</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="19,5,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Sem limite formal</span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="19,5,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Sem limite formal</span></td>
		</tr>
	</tbody>
</table>
<h3 data-path-to-node="20" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	An&aacute;lise: O Impacto no Setor</h3>
<p data-path-to-node="21" style="font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Com essas medidas, a Caixa n&atilde;o apenas injeta liquidez no mercado, mas for&ccedil;a uma &quot;corrida armamentista&quot; de juros baixos. Para o comprador de um im&oacute;vel de R$ 3 milh&otilde;es em 2026, a possibilidade de financiar R$ 2,4 milh&otilde;es via SAC com taxas pr&oacute;ximas a 10% coloca o banco estatal como a op&ccedil;&atilde;o n&uacute;mero 1, desbancando o antigo favoritismo dos bancos <i data-index-in-node="342" data-path-to-node="21" style="line-height: 1.15 !important; margin-top: 0px !important;">premium</i>.</p>

<p data-path-to-node="8">
	Se voc&ecirc; est&aacute; planejando comprar ou investir em Piracicaba, j&aacute; percebeu que a &quot;Noiva da Colina&quot; vive um momento &uacute;nico. Em 2026, a cidade se consolidou como um dos principais eixos de desenvolvimento do interior paulista, atraindo quem busca fugir do caos das metr&oacute;poles sem abrir m&atilde;o da infraestrutura de ponta.</p>
<p data-path-to-node="9">
	Mas, com tantas op&ccedil;&otilde;es, qual o bairro ideal para o seu perfil? Na <b data-index-in-node="66" data-path-to-node="9">Unio Im&oacute;veis</b>, selecionamos as regi&otilde;es que s&atilde;o as grandes apostas para este ano.</p>
<h4 data-path-to-node="10">
	1. Para quem busca Exclusividade e Status</h4>
<p data-path-to-node="11">
	Bairros como <b data-index-in-node="13" data-path-to-node="11">Nova Piracicaba</b> e <b data-index-in-node="31" data-path-to-node="11">Cidade Jardim</b> continuam sendo as refer&ecirc;ncias de alto padr&atilde;o. Se o seu desejo &eacute; uma casa ampla, com ruas silenciosas e vizinhan&ccedil;a consolidada, aqui &eacute; o seu lugar. Destaque tamb&eacute;m para o <b data-index-in-node="216" data-path-to-node="11">Monte Alegre</b>, que une o charme hist&oacute;rico a condom&iacute;nios fechados que s&atilde;o verdadeiros ref&uacute;gios urbanos.</p>
<h4 data-path-to-node="12">
	2. O Futuro &eacute; Planejado: Reserva Jequitib&aacute;</h4>
<p data-path-to-node="13">
	Se voc&ecirc; valoriza modernidade e sustentabilidade, o <b data-index-in-node="51" data-path-to-node="13">Reserva Jequitib&aacute;</b> &eacute; a escolha l&oacute;gica. Como uma <i data-index-in-node="98" data-path-to-node="13">smart city</i> dentro de Piracicaba, o bairro oferece seguran&ccedil;a tecnol&oacute;gica, fia&ccedil;&atilde;o subterr&acirc;nea e a conveni&ecirc;ncia de morar perto do trabalho no Parque Tecnol&oacute;gico.</p>
<h4 data-path-to-node="14">
	3. Praticidade e Vida Urbana</h4>
<p data-path-to-node="15">
	Para quem tem uma rotina din&acirc;mica, o <b data-index-in-node="37" data-path-to-node="15">Bairro Alto</b>, o <b data-index-in-node="52" data-path-to-node="15">S&atilde;o Dimas</b> e a <b data-index-in-node="66" data-path-to-node="15">Vila Independ&ecirc;ncia</b> oferecem o &quot;estilo de vida 15 minutos&quot;: voc&ecirc; faz tudo a p&eacute;. S&atilde;o regi&otilde;es com alta demanda de loca&ccedil;&atilde;o e valoriza&ccedil;&atilde;o constante, ideais tamb&eacute;m para investidores.</p>
<h4 data-path-to-node="16">
	4. As Fronteiras de Valoriza&ccedil;&atilde;o: Dois C&oacute;rregos e Santa Rosa</h4>
<p data-path-to-node="17">
	Busca custo-benef&iacute;cio e potencial de revenda? O eixo do <b data-index-in-node="56" data-path-to-node="17">Dois C&oacute;rregos</b> e do <b data-index-in-node="75" data-path-to-node="17">Santa Rosa</b> passou por uma transforma&ccedil;&atilde;o infraestrutural. Com novos acessos rodovi&aacute;rios e centros comerciais pr&oacute;prios, esses bairros atraem jovens fam&iacute;lias que buscam condom&iacute;nios modernos com lazer completo.</p>
<hr />
<h3 data-path-to-node="3" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Panorama T&eacute;cnico: O Mercado Imobili&aacute;rio de Piracicaba em 2026</h3>
<h4 data-path-to-node="18">
	<span style="font-family: &quot;Google Sans Text&quot;, sans-serif;">Para investidores e compradores decididos, o pre&ccedil;o do metro quadrado &eacute; o term&ocirc;metro principal. Abaixo, detalhamos as m&eacute;dias de mercado para os principais bairros citados:</span></h4>
<table data-path-to-node="5" style="margin-bottom: 32px; font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<thead style="line-height: 1.15 !important; margin-top: 0px !important;">
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<strong style="line-height: 1.15 !important; margin-top: 0px !important; margin-bottom: 0px !important;">Regi&atilde;o / Bairro</strong></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<strong style="line-height: 1.15 !important; margin-top: 0px !important; margin-bottom: 0px !important;">Valor M&eacute;dio m2 (Venda)</strong></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<strong style="line-height: 1.15 !important; margin-top: 0px !important; margin-bottom: 0px !important;">Perfil Dominante</strong></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<strong style="line-height: 1.15 !important; margin-top: 0px !important; margin-bottom: 0px !important;">Tend&ecirc;ncia 2026</strong></td>
		</tr>
	</thead>
	<tbody style="line-height: 1.15 !important; margin-top: 0px !important;">
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<b data-index-in-node="0" data-path-to-node="5,7,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Santa Rosa</b></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="5,1,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">R$ 9.500 - R$ 12.000</span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="5,1,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Casas de Luxo</span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="5,1,3,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Alta Valoriza&ccedil;&atilde;o</span></td>
		</tr>
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="5,2,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="5,2,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Nova Piracicaba</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="5,2,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">R$ 8.000 - R$ 10.500</span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="5,2,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Casas de Alto Padr&atilde;o</span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="5,2,3,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Estabilidade Premium</span></td>
		</tr>
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="5,3,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="5,3,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Reserva Jequitib&aacute;</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="5,3,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">R$ 8.800 - R$ 11.000</span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="5,3,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Mixed-use / Moderno</span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="5,3,3,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Expans&atilde;o Tecnol&oacute;gica</span></td>
		</tr>
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="5,4,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="5,4,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Bairro Alto / S&atilde;o Dimas</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="5,4,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">R$ 7.200 - R$ 9.000</span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="5,4,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Verticaliza&ccedil;&atilde;o / Servi&ccedil;os</span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="5,4,3,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Alta Liquidez</span></td>
		</tr>
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="5,5,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="5,5,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Monte Alegre</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="5,5,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">R$ 9.000 - R$ 13.000*</span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="5,5,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Lotes em Condom&iacute;nio / Loft</span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="5,5,3,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Exclusividade Hist&oacute;rica</span></td>
		</tr>
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="5,6,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;"><b data-index-in-node="0" data-path-to-node="5,6,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Dois C&oacute;rregos</b></span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="5,6,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">R$ 5.500 - R$ 7.000</span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="5,6,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Casas em Condom&iacute;nio</span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="5,6,3,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Crescimento M&eacute;dio Padr&atilde;o</span></td>
		</tr>
		<tr style="line-height: 1.15 !important; margin-top: 0px !important;">
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<b data-index-in-node="0" data-path-to-node="5,6,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Ondas</b></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="5,7,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">R$ 6.000 - R$ 7.800</span></td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				Casas de Alto Padr&atilde;o</td>
			<td style="border-style: solid; border-color: initial; line-height: 1.15 !important; margin-top: 0px !important;">
				<span data-path-to-node="5,7,3,0" style="line-height: 1.15 !important; margin-top: 0px !important;">&Oacute;timo Custo-Benef&iacute;cio</span></td>
		</tr>
	</tbody>
</table>
<h4 data-path-to-node="18">
	* No <b data-index-in-node="25" data-path-to-node="6,0">Monte Alegre</b>, o valor pode variar drasticamente devido &agrave; preserva&ccedil;&atilde;o hist&oacute;rica e &agrave; baixa oferta de novos lotes, o que o torna um ativo de &quot;colecionador&quot;.</h4>
<hr />
<h3 data-path-to-node="8" style="font-family: &quot;Google Sans&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	Por que esses n&uacute;meros importam para o seu bolso?</h3>
<ol data-path-to-node="9" start="1" style="padding-inline-start: 32px; font-family: &quot;Google Sans Text&quot;, sans-serif !important; line-height: 1.15 !important; margin-top: 0px !important;">
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="9,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="9,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Glebas e Reserva Jequitib&aacute;:</b> S&atilde;o os bairros com maior <b data-index-in-node="53" data-path-to-node="9,0,0" style="line-height: 1.15 !important; margin-top: 0px !important;">IGP-M acumulado</b> no setor imobili&aacute;rio local. Se o foco &eacute; patrim&ocirc;nio, o aporte aqui &eacute; mais seguro contra a infla&ccedil;&atilde;o.</p>
	</li>
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="9,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="9,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">O Fen&ocirc;meno do <span class="math-inline" data-index-in-node="14" data-math="m^2" style="line-height: 1.15 !important; margin-top: 0px !important;">m&sup2;</span>&nbsp;no Bairro Alto:</b> A proximidade com centros m&eacute;dicos e a ESALQ garante uma das menores taxas de vac&acirc;ncia (im&oacute;vel vazio) da cidade. Para quem busca <b data-index-in-node="162" data-path-to-node="9,1,0" style="line-height: 1.15 !important; margin-top: 0px !important;">renda de aluguel</b>, &eacute; o porto seguro.</p>
	</li>
	<li style="line-height: 1.15 !important; margin-top: 0px !important;">
		<p data-path-to-node="9,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">
			<b data-index-in-node="0" data-path-to-node="9,2,0" style="line-height: 1.15 !important; margin-top: 0px !important;">Aposta no Leste (Dois C&oacute;rregos):</b> Com o novo anel vi&aacute;rio e a descentraliza&ccedil;&atilde;o do com&eacute;rcio, o Dois C&oacute;rregos oferece hoje o maior potencial de valoriza&ccedil;&atilde;o percentual nos pr&oacute;ximos 3 anos. Quem compra agora, pega a curva ascendente.</p>
	</li>
</ol>
<hr />
<h4 data-path-to-node="18">
	Dica de &quot;Insider&quot;:</h4>
<h4 data-path-to-node="18">
	<i data-index-in-node="0" data-path-to-node="12">&ldquo;Ao avaliar o m&sup2;, n&atilde;o olhe apenas para o pre&ccedil;o final. Em bairros como a <b data-index-in-node="72" data-path-to-node="12">Nova Piracicaba</b>, o valor do terreno costuma valorizar acima da &aacute;rea constru&iacute;da, enquanto no <b data-index-in-node="164" data-path-to-node="12">Ondas</b>, a entrega de &aacute;reas de lazer tecnol&oacute;gicas (coworking, pet place, delivery room) &eacute; o que define o ticket de revenda.&rdquo;</i></h4>
<hr />
<h4 data-path-to-node="18">
	Conclus&atilde;o</h4>
<p data-path-to-node="19">
	Escolher um im&oacute;vel em Piracicaba em 2026 exige um olhar estrat&eacute;gico sobre o zoneamento urbano e as tend&ecirc;ncias de mercado. Seja no sossego do <b data-index-in-node="141" data-path-to-node="19">Jardim Elite</b> ou na modernidade do <b data-index-in-node="175" data-path-to-node="19">Reserva Jequitib&aacute;</b>, a sua escolha deve refletir o seu projeto de vida.</p>
<p data-path-to-node="20">
	<b data-index-in-node="0" data-path-to-node="20">Quer encontrar a oportunidade ideal em um desses bairros?</b> A equipe de especialistas da <b data-index-in-node="87" data-path-to-node="20">Unio Im&oacute;veis</b> conhece cada esquina de Piracicaba e est&aacute; pronta para te guiar nessa jornada.</p>

<h2>
	O Que Est&aacute; Acontecendo?</h2>
<p>
	A Prefeitura de Piracicaba enviou &agrave; C&acirc;mara Municipal o Projeto de Lei Complementar n&ordm; 22/2025, que prop&otilde;e dobrar a al&iacute;quota do ITBI &ndash; Imposto sobre Transmiss&atilde;o de Bens Im&oacute;veis &ndash; de 2,5% para 4%. Esse imposto &eacute; pago por quem adquire um im&oacute;vel e &eacute; cobrado no momento do registro em cart&oacute;rio. A mudan&ccedil;a, se aprovada, representar&aacute; a maior taxa de ITBI entre cidades de porte semelhante no estado de S&atilde;o Paulo.</p>
<h2>
	Como Isso Afeta o Cidad&atilde;o?</h2>
<p>
	O impacto &eacute; direto no bolso de quem sonha com a casa pr&oacute;pria. O ITBI &eacute; pago &agrave; vista, o que significa que fam&iacute;lias que j&aacute; lutam para juntar a entrada do im&oacute;vel precisar&atilde;o economizar ainda mais. Por exemplo, para um im&oacute;vel de R$ 300 mil, o imposto passaria de R$ 7,5 mil para R$ 12 mil. Isso pode inviabilizar o neg&oacute;cio para muitos e prolongar o tempo de perman&ecirc;ncia no aluguel.</p>
<h2>
	Comparativo com Outras Cidades</h2>
<p>
	Veja como Piracicaba se posiciona em rela&ccedil;&atilde;o a cidades vizinhas e similares:</p>
<table border="0" cellpadding="0" cellspacing="0">
	<tbody>
		<tr>
			<td style="width:288px;">
				<p>
					Cidade</p>
			</td>
			<td style="width:288px;">
				<p>
					Al&iacute;quota ITBI</p>
			</td>
		</tr>
		<tr>
			<td style="width:288px;">
				<p>
					Campinas</p>
			</td>
			<td style="width:288px;">
				<p>
					2,7%</p>
			</td>
		</tr>
		<tr>
			<td style="width:288px;">
				<p>
					Ribeir&atilde;o Preto</p>
			</td>
			<td style="width:288px;">
				<p>
					2,0%</p>
			</td>
		</tr>
		<tr>
			<td style="width:288px;">
				<p>
					Sorocaba</p>
			</td>
			<td style="width:288px;">
				<p>
					2,0%</p>
			</td>
		</tr>
		<tr>
			<td style="width:288px;">
				<p>
					Jundia&iacute;</p>
			</td>
			<td style="width:288px;">
				<p>
					2,0%</p>
			</td>
		</tr>
		<tr>
			<td style="width:288px;">
				<p>
					Limeira</p>
			</td>
			<td style="width:288px;">
				<p>
					2,0%</p>
			</td>
		</tr>
		<tr>
			<td style="width:288px;">
				<p>
					S&atilde;o Jos&eacute; dos Campos</p>
			</td>
			<td style="width:288px;">
				<p>
					2,0%</p>
			</td>
		</tr>
		<tr>
			<td style="width:288px;">
				<p>
					Americana</p>
			</td>
			<td style="width:288px;">
				<p>
					1,5%</p>
			</td>
		</tr>
		<tr>
			<td style="width:288px;">
				<p>
					Sumar&eacute;</p>
			</td>
			<td style="width:288px;">
				<p>
					1,5%</p>
			</td>
		</tr>
		<tr>
			<td style="width:288px;">
				<p>
					Indaiatuba</p>
			</td>
			<td style="width:288px;">
				<p>
					1,5%</p>
			</td>
		</tr>
		<tr>
			<td style="width:288px;">
				<p>
					Piracicaba (atual)</p>
			</td>
			<td style="width:288px;">
				<p>
					2,0%</p>
			</td>
		</tr>
		<tr>
			<td style="width:288px;">
				<p>
					Piracicaba (proposto)</p>
			</td>
			<td style="width:288px;">
				<p>
					4,0%</p>
			</td>
		</tr>
	</tbody>
</table>
<h2>
	Impactos Setoriais e Econ&ocirc;micos</h2>
<p>
	Esse aumento dr&aacute;stico tem efeitos em cadeia. Menos formaliza&ccedil;&otilde;es de im&oacute;veis, retra&ccedil;&atilde;o nas vendas, e queda na gera&ccedil;&atilde;o de empregos no setor imobili&aacute;rio e da constru&ccedil;&atilde;o civil. O mercado imobili&aacute;rio representa cerca de 6% do PIB brasileiro e &eacute; um dos principais vetores de gera&ccedil;&atilde;o de empregos. Al&eacute;m disso, a press&atilde;o sobre o mercado de aluguel tende a aumentar, j&aacute; que menos pessoas poder&atilde;o migrar para a casa pr&oacute;pria.<br />
	<br />
	Dados do estado de S&atilde;o Paulo apontam que h&aacute; mais de 1,2 milh&atilde;o de moradias em d&eacute;ficit. Medidas que dificultam o acesso &agrave; propriedade apenas ampliam esse problema social.</p>
<h2>
	Quem Ser&aacute; Mais Prejudicado?</h2>
<p>
	- Fam&iacute;lias que buscam sair do aluguel e adquirir a primeira moradia;<br />
	- Pequenos investidores e aut&ocirc;nomos que compram im&oacute;veis como forma de renda;<br />
	- Corretores, cart&oacute;rios, construtoras, arquitetos e engenheiros;<br />
	- Setores de m&oacute;veis, decora&ccedil;&atilde;o, reformas e cr&eacute;dito imobili&aacute;rio.</p>
<h2>
	Convoca&ccedil;&atilde;o &agrave; Sociedade</h2>
<p>
	O projeto ser&aacute; discutido em audi&ecirc;ncia p&uacute;blica no dia 12 de dezembro, &agrave;s 10h. &Eacute; fundamental que todos os profissionais afetados &ndash; corretores, arquitetos, engenheiros, construtores, pequenos investidores e compradores &ndash; participem ativamente.<br />
	<br />
	Al&eacute;m disso, &eacute; essencial pressionar os vereadores para que n&atilde;o aprovem esse aumento. Uma mobiliza&ccedil;&atilde;o agora pode impedir um retrocesso no acesso &agrave; moradia e no desenvolvimento econ&ocirc;mico da cidade.</p>
<p>
	&nbsp;</p>

Imobiliária Piracicaba | Comprar, vender e alugar em Piracicaba e região metropolitana. Fale com nossos corretores | Whatsapp (19) 98310-9384

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