Descubra se na compra do primeiro imóvel tem desconto ITBI

Se você vai comprar um imóvel e ainda não entende como funciona o Imposto de Transmissão de Bens Imóveis (ITBI), é hora de saber mais sobre isso a fim de se precaver e se preparar para os devidos custos envolvidos em uma transação. Afinal, cada município atua de uma forma na cobrança dessa taxa, sendo importante você compreender como funciona.

Para quem compra pela primeira vez, há a possibilidade de se conseguir desconto sobre a cobrança, o que ajuda bastante levando em conta o alto custo envolvido na aquisição de um imóvel. Para entender melhor, continue lendo e aprenda com as informações a seguir!

Compreenda como funciona a cobrança de ITBI

Muitos compradores de primeira viagem se surpreendem quando adquirem um imóvel e descobrem que terão que pagar o ITBI. Em cidades como São Paulo, Belo Horizonte e Rio de Janeiro era cobrada uma taxa de 2% sobre o valor venal do imóvel, que depois foi alterada para 3%. Em outros municípios essa taxa pode chegar até 5%, e por isso é muito importante verificar junto à prefeitura qual o valor cobrado para que você não seja pego desprevenido na hora da compra. A boa notícia é que em municípios como Fortaleza esse valor fica apenas em 2%.

É importante evidenciar que valor venal é nada mais que o preço que se pagaria pelo imóvel dentro de condições normais de negociação. Então, se você realiza a compra de uma residência no valor de 400 mil reais na capital cearense, por exemplo, será pago R$8.000,00. A conta feita para isso é:

  • 400.000 x 2% = 8.000

Como imóveis são investimentos de alto custo, mesmo uma cobrança aparentemente baixa pode impactar o seu orçamento caso não leve em conta as taxas envolvidas. Por isso, vale a pena conferir também se você pode ou não ter desconto de ITBI no primeiro imóvel. É disso que falaremos a seguir. Veja!

Como funciona o desconto do ITBI no primeiro imóvel

Na compra do imóvel, se financiado por programas como Sistema Financeiro da Habitação (SFH) pode haver um decréscimo dessa cobrança, indo de 2% para 0,5%, dependendo do valor da propriedade a ser comprada. Isso significa que você pode conseguir um desconto de até 75% do valor extra que seria cobrado por esse imposto. No exemplo dado de R$8.000 de ITBI em Fortaleza, essa diferença poderia cair para R$2.000.

Em alguns casos, esse desconto pode ser menor indo até 1%, todavia, todo esse decréscimo conta bastante já que seria metade do imposto cobrado normalmente. Em investimentos de alto custo como imóveis, é uma grande vantagem poder contar com quaisquer tipos de descontos.

Entenda como agir com precaução em relação à cobrança do IBTI

Bom, a essa altura do campeonato você já deve ter entendido que realizar a compra de uma propriedade vai além do imóvel propriamente dito. Afinal, existe toda a burocracia da documentação e pormenores da negociação que certamente exigem bastante cuidado para quem quer comprar com segurança. Pensando nisso, elencamos alguns tópicos que você deve estar atento para fazer isso corretamente. Entenda logo abaixo.

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Buscar um advogado

Se você conferiu junto à prefeitura qual o valor do ITBI cobrado e na hora da negociação estão havendo cobranças indevidas, ou mesmo se você se sente inseguro sobre o que está fazendo, busque um advogado. Por meio de uma boa assistência jurídica, evita-se desperdiçar dinheiro pagando mais do que deve e ficando na mão de pessoas oportunistas e que podem estar agindo de má fé.

Negociações imobiliárias envolvem uma série de documentos legais que só um advogado terá o conhecimento necessário para avaliar se está tudo nos conformes. Caso a negociação não esteja se dando da forma correta e você nem mesmo perceba isso, poderá entrar em maus lençóis sem nem mesmo perceber o que está fazendo. Aja com ponderação e conte com profissionais!

Buscar uma imobiliária de confiança

Falando em contar com profissionais, nada melhor que buscar uma imobiliária de confiança. Inclusive, boas imobiliárias sempre contam com auxílio jurídico, o que te livra da necessidade de buscar um advogado. Afinal, é papel dessas empresas garantir uma negociação fácil e segura para você que ficará apenas a cargo de escolher o imóvel desejado de acordo com os seus interesses.

Vale lembrar que, na vida diária atribulada que muitos têm hoje, poder contar com uma imobiliária para fazer todo o processo de pesquisa e triagem dos imóveis, ajudar no levantamento da documentação e ter o cuidado de selecionar os compradores e vendedores certos traz um grande conforto e comodidade a você como cliente na hora de encontrar a propriedade desejada.

O conhecimento de mercado e a identificação das melhores oportunidades de compra e venda é também parte do know how que só uma imobiliária pode te oferecer. Considere tudo isso na hora da compra do seu imóvel.

Evitar agir sozinho

Como pode ver, a compra de um imóvel vai muito além do seu valor e cobrança de ITBI. Ao se cercar dos devidos cuidados, você consegue se preparar da forma correta e fazer a aquisição sem gerar dores de cabeça mais à frente. Do contrário, quem age sozinho pensando em economizar está na verdade criando problemas para si e gastando mais dinheiro e ocupando um tempo maior para encontrar o imóvel desejado e uma negociação segura.

Por isso, a melhor via é contar com toda a facilidade que o mercado imobiliário oferece, que nesse caso é justamente o serviço oferecido pelas imobiliárias. Isso permite que você foque no que realmente importa: o imóvel dos seus sonhos e nada mais.

Agora que você já sabe tudo o que precisa, ficará mais fácil fazer a compra do seu imóvel. Aproveite das informações que foram dadas para se planejar e chegar o mais preparado possível para sua aquisição. Assim, você evita surpresas e, quando houver a cobrança de taxas como ITBI, estará pronto para arcar com elas sem que isso pese em seu orçamento.

Gostou de descobrir se na compra do primeiro imóvel tem desconto ITBI? Então, aproveite para assinar nossa newsletter e continuar por dentro do melhor conteúdo imobiliário de Fortaleza!

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