{"id":11086,"date":"2023-05-20T17:08:47","date_gmt":"2023-05-20T20:08:47","guid":{"rendered":"https:\/\/superahd.com.br\/?page_id=11086"},"modified":"2024-07-10T17:11:42","modified_gmt":"2024-07-10T20:11:42","slug":"faq","status":"publish","type":"page","link":"https:\/\/superahd.com.br\/en\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"11086\" class=\"elementor elementor-11086\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b80434e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b80434e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-224d6ca\" data-id=\"224d6ca\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-31c07f0 elementor-widget elementor-widget-toggle\" data-id=\"31c07f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5211\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-5211\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Meu boleto venceu, como solicito um novo?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-5211\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-5211\"><ul><li class=\"p1\">Para boletos Fase 2 do VHC, o cliente tem 60 dias ap\u00f3s vencimento (podendo utilizar o mesmo boleto)<\/li><li class=\"p1\">Para Fase 3 do VHC e Cyano o cliente tem 30 dias ap\u00f3s o vencimento (podendo utilizar o mesmo boleto)<\/li><\/ul><p class=\"p1\">Caso estes prazos tenham encerrado, solicite o valor atualizado via Portal do Cliente em atendimentos.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5212\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-5212\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Como fa\u00e7o para antecipar ou amortizar o meu saldo?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-5212\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-5212\"><p class=\"p1\">\u00b7 Para antecipa\u00e7\u00e3o ou amortiza\u00e7\u00e3o de alguma parcela que n\u00e3o seja do m\u00eas vigente, solicite o boleto com o valor desejado no Portal do Cliente na aba ATENDIMENTOS.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5213\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-5213\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Se eu fizer antecipa\u00e7\u00f5es ou quitar o saldo devedor, tem desconto?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-5213\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-5213\"><p class=\"p1\">\u00b7 A Incorporadora opera um planejamento\u202fpara conclus\u00e3o do cronograma de entrega da obra e devido a esse planejamento n\u00e3o\u202foperamos com descontos. A pr\u00f3pria antecipa\u00e7\u00e3o volta-se como desconto para o cliente, pois evita o reajuste do CUB\/SC em cima das parcelas antecipadas.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5214\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-5214\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Como solicito o meu informe de rendimentos ou meu saldo devedor?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-5214\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-5214\"><p class=\"p1\">\u00b7 Dentro do seu Portal do Cliente na aba FINANCEIRO, voc\u00ea tem acesso ao seu extrato atualizado escolhendo a op\u00e7\u00e3o SALDO DEVEDOR PRESENTE.<\/p><p class=\"p1\">\u00b7 Ou solicite via Portal do cliente na aba ATENDIMENTOS localizado no menu lateral esquerdo. Assunto FINANCEIRO e subassunto EXTRATO |IR | BOLETO<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5215\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-5215\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Por que meu contrato est\u00e1 com o saldo devedor maior do que quando comprei a tantos anos atr\u00e1s?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-5215\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-5215\"><p class=\"p1\">\u00b7 Todas as parcelas s\u00e3o reajustadas mensalmente pelo CUB, desde a assinatura do contrato at\u00e9 o seu efetivo pagamento.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5216\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-5216\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Como solicito a planta do meu im\u00f3vel?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-5216\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-5216\"><p class=\"p1\">\u00b7 As plantas da sua unidade est\u00e3o dispon\u00edveis via Portal do Cliente na aba DOCUMENTOS &gt; DOCUMENTOS DA UNIDADE.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5217\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-5217\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Como fa\u00e7o para solicitar cess\u00e3o de direitos?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-5217\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-5217\"><p class=\"p1\">\u00b7 Ser\u00e1 necess\u00e1rio voc\u00ea enviar uma solicita\u00e7\u00e3o pelo Portal do Cliente na aba ATENDIMENTOS localizado no menu lateral esquerdo. Assunto FINANCEIRO e subassunto cess\u00e3o de direitos<\/p><p class=\"p1\">\u00b7 Na solicita\u00e7\u00e3o anexar os documentos dos novos compradores: RG e CPF, comprovante de resid\u00eancia, comprova\u00e7\u00e3o de renda atualizada, profiss\u00e3o, telefone, e-mail e estado civil (esses basta informar)<\/p><p class=\"p1\">\u00b7 A documenta\u00e7\u00e3o \u00e9 enviada para a dire\u00e7\u00e3o analisar e autorizar a cess\u00e3o de direitos para o novo comprador, lembrando que a renda precisa ser compat\u00edvel para assumir as parcelas do contrato que ainda est\u00e3o em aberto.<\/p><p class=\"p1\">\u00b7 Para o processo de cess\u00e3o de direitos \u00e9 cobrado uma taxa de 0,7% do valor do seu contrato, cl\u00e1usula 12 p\u00e1ginas 25 e 26, o valor da taxa dever\u00e1 ser pago no momento da assinatura do documento de cess\u00e3o.<\/p><p class=\"p1\">\u00b7 Caso a cess\u00e3o seja para apenas retirar algu\u00e9m do contrato, basta que a pessoa que vai assumir a d\u00edvida comprove renda.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5218\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-5218\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">N\u00e3o consigo acessar meu Portal do Cliente, e agora?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-5218\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-5218\"><p class=\"p1\">\u00b7 Entre em contato pelo n\u00famero 48 9 9699-5951<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5219\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-5219\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quando posso encaminhar meu financiamento?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-5219\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-5219\"><p>Ap\u00f3s a expedi\u00e7\u00e3o e averba\u00e7\u00e3o do \u201chabite-se\u201d, voc\u00eas poder\u00e3o iniciar o processo de financiamento junto \u00e0 institui\u00e7\u00e3o banc\u00e1ria escolhida.<\/p><p>Entretanto, cerca de 6 (seis) meses antes da conclus\u00e3o das obras e enquanto aguarda-se a finaliza\u00e7\u00e3o do processo do \u201chabite-se\u201d, \u00e9 importante que voc\u00ea mantenha contato com a correspondente banc\u00e1ria, tire suas d\u00favidas sobre documenta\u00e7\u00e3o, simule e mantenha seu cadastro atualizado, o que ajudar\u00e1 na celeridade do processo de financiamento quando for o momento de inici\u00e1-lo.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-52110\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-52110\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Existe fila para realizar o processo de financiamento? \u00c9 poss\u00edvel conseguir algum tipo de prioridade?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-52110\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-52110\"><p>N\u00e3o existe fila e n\u00e3o \u00e9 poss\u00edvel dar prioridades. Todos os clientes poder\u00e3o iniciar o processo de financiamento habitacional ao mesmo tempo: ap\u00f3s a expedi\u00e7\u00e3o e averba\u00e7\u00e3o do \u201chabite-se\u201d. Para dar celeridade ao seu processo \u00e9 importante manter o contato com a correspondente, deixando a sua documenta\u00e7\u00e3o e cadastro atualizados para o momento em que for liberado iniciar o processo.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-52111\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-52111\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quais documentos s\u00e3o necess\u00e1rios para avalia\u00e7\u00e3o de cr\u00e9dito junto \u00e0 Caixa Econ\u00f4mica Federal?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-52111\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-52111\"><p>Os documentos b\u00e1sicos solicitados pela Caixa s\u00e3o os seguintes:<\/p><p>\u00a0<\/p><p>\u00b7 RG com CPF ou CNH;<\/p><p>\u00b7 comprovante de resid\u00eancia atualizado (do m\u00eas vigente);<\/p><p>\u00b7 certid\u00e3o de estado civil atualizada;<\/p><p>\u00b7 comprovante de renda: contracheque ou declara\u00e7\u00e3o + recibo do imposto de renda ou &#8211; pr\u00f3-labore;<\/p><p>\u00b7 telefone;<\/p><p>\u00b7 profiss\u00e3o;<\/p><p>\u00b7 e-mail;<\/p><p>\u00b7 se utilizar FGTS: n\u00famero do PIS e extrato atualizado.<br \/><br \/>Atualmente, a CAIXA n\u00e3o aceita os seguintes documentos para comprova\u00e7\u00e3o de renda: declara\u00e7\u00e3o MEI, nota fiscal, decore, contrato de presta\u00e7\u00e3o de servi\u00e7o.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-52112\" class=\"elementor-tab-title\" data-tab=\"12\" role=\"button\" aria-controls=\"elementor-tab-content-52112\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quais documentos s\u00e3o necess\u00e1rios para avalia\u00e7\u00e3o de cr\u00e9dito junto \u00e0s demais institui\u00e7\u00f5es financeiras (ex: Bradesco, Ita\u00fa, Banco do Brasil etc?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-52112\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"region\" aria-labelledby=\"elementor-tab-title-52112\"><p>Cada institui\u00e7\u00e3o banc\u00e1ria poder\u00e1 solicitar documentos complementares ou distintos para o processo de financiamento em rela\u00e7\u00e3o \u00e0queles exigidos pela CAIXA. Para saber exatamente quais ser\u00e3o os documentos solicitados pela institui\u00e7\u00e3o financeira de sua escolha, orienta-se contatar diretamente o banco escolhido e obter a referida informa\u00e7\u00e3o por escrito.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-52113\" class=\"elementor-tab-title\" data-tab=\"13\" role=\"button\" aria-controls=\"elementor-tab-content-52113\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\"> \u00c9 poss\u00edvel contratar financiamento direto com a incorporadora?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-52113\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"13\" role=\"region\" aria-labelledby=\"elementor-tab-title-52113\"><p>Em princ\u00edpio, \u00e9 poss\u00edvel contratar o financiamento do saldo devedor do seu contrato diretamente com a incorporadora, desde que a incorporadora aprove o seu cr\u00e9dito e as condi\u00e7\u00f5es de parcelamento solicitadas por voc\u00ea.<\/p><p>\u00a0<\/p><p>A incorporadora realiza a an\u00e1lise do seu cr\u00e9dito de acordo com crit\u00e9rios internos livremente estabelecidos por ela.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-52114\" class=\"elementor-tab-title\" data-tab=\"14\" role=\"button\" aria-controls=\"elementor-tab-content-52114\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Se o meu cr\u00e9dito for aprovado pela incorporadora para financiamento direto, quais s\u00e3o as condi\u00e7\u00f5es aplic\u00e1veis?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-52114\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"14\" role=\"region\" aria-labelledby=\"elementor-tab-title-52114\"><p>Atualmente, \u00e9 poss\u00edvel realizar o financiamento do saldo devedor em at\u00e9 24 parcelas, sendo:<\/p><p>\u00a0<\/p><ul><li>\u00a0ser\u00e3o acrescidos \u00e0s parcelas os valores correspondentes aos juros remunerat\u00f3rios de 0,797% ao m\u00eas;<\/li><li>as parcelas ser\u00e3o corrigidas pela varia\u00e7\u00e3o positiva do IPCA\/IBGE at\u00e9 a data do seu efetivo pagamento, considerando-se para tanto o \u00edndice de 2 (dois) meses anteriores \u00e0 data do c\u00e1lculo para pagamento;<\/li><li>ser\u00e3o acrescidos \u00e0s parcelas os valores relativos aos seguros morte e invalidez permanente e danos f\u00edsicos ao im\u00f3vel e taxa mensal de gest\u00e3o dos receb\u00edveis imobili\u00e1rios;<\/li><li>a obten\u00e7\u00e3o de financiamento banc\u00e1rio ou o financiamento direto do saldo devedor junto \u00e0 PROMITENTE VENDEDORA depender\u00e1, obrigatoriamente, de aprova\u00e7\u00e3o do cr\u00e9dito do(a,s) PROMITENTE(S) COMPRADOR(A,ES) junto \u00e0 institui\u00e7\u00e3o financeira concedente do empr\u00e9stimo.<\/li><\/ul><p>Poder\u00e3o ser solicitadas garantias adicionais pela incorporadora, al\u00e9m da aliena\u00e7\u00e3o fiduci\u00e1ria do im\u00f3vel.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-52115\" class=\"elementor-tab-title\" data-tab=\"15\" role=\"button\" aria-controls=\"elementor-tab-content-52115\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">N\u00e3o consegui financiar com o banco todo o valor do saldo devedor do meu contrato de promessa de compra e venda de im\u00f3vel. Como fa\u00e7o com a diferen\u00e7a?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-52115\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"15\" role=\"region\" aria-labelledby=\"elementor-tab-title-52115\"><p>Voc\u00ea dever\u00e1 pagar a diferen\u00e7a \u00e0 vista, at\u00e9 a data de assinatura do contrato de compra e venda do im\u00f3vel com financiamento banc\u00e1rio. Excepcionalmente, a incorporadora poder\u00e1 aceitar o pagamento do valor parcelado, mas, nesse caso, voc\u00ea precisar\u00e1 fazer uma proposta de pagamento, que ser\u00e1 avaliada pela dire\u00e7\u00e3o da incorporadora e poder\u00e1<\/p><p>ser ou n\u00e3o aceita. Poder\u00e1 ser solicitado pela incorporadora garantias para recebimento da diferen\u00e7a a prazo.<\/p><p>Se a sua proposta for aceita, ser\u00e1 preciso assinar documento de confiss\u00e3o de d\u00edvida at\u00e9 a data de assinatura do contrato de compra e venda do im\u00f3vel com financiamento banc\u00e1rio.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-52116\" class=\"elementor-tab-title\" data-tab=\"16\" role=\"button\" aria-controls=\"elementor-tab-content-52116\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">O Im\u00f3vel do Vivendas Home Club se enquadra no Programa Minha Casa Minha Vida?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-52116\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"16\" role=\"region\" aria-labelledby=\"elementor-tab-title-52116\"><p>O condom\u00ednio Residencial Vivendas Home Club N\u00c3O se enquadra no Programa Minha Casa Minha Vida.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-52117\" class=\"elementor-tab-title\" data-tab=\"17\" role=\"button\" aria-controls=\"elementor-tab-content-52117\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quanto tempo demora o processo de financiamento junto \u00e0 institui\u00e7\u00e3o banc\u00e1ria?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-52117\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"17\" role=\"region\" aria-labelledby=\"elementor-tab-title-52117\"><p>N\u00e3o \u00e9 poss\u00edvel precisar o tempo dos processos de financiamento imobili\u00e1rio, pois esse prazo ser\u00e1 afetado por diversos fatores, como o banco escolhido, a rela\u00e7\u00e3o de documentos exigida, a velocidade de cada cliente para apresentar os documentos solicitados, o tempo de cada cliente para solucionar as eventuais pend\u00eancias apontadas pelo banco, o prazo de an\u00e1lise de cada banco, o tempo de emiss\u00e3o do contrato de cada banco, dentre outros.<\/p><p>Tomando como base os clientes da fase I do Residencial Vivendas Home Club, os processos de financiamento levaram:<\/p><p>Caixa Econ\u00f4mica Federal: em m\u00e9dia, 45 dias, para o cliente que realizar o processo com a correspondente e ag\u00eancia parceira oficial da Supera Holding.<\/p><p>Outras institui\u00e7\u00f5es: Santander, Banco do Brasil, Bradesco, Ita\u00fa, entre outros, em m\u00e9dia de 60 a 90 dias.<\/p><p>Importante: esse prazo depende de cada institui\u00e7\u00e3o financeira, do cadastro do cliente estar com todos os documentos completos e aprova\u00e7\u00e3o realizada.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-52118\" class=\"elementor-tab-title\" data-tab=\"18\" role=\"button\" aria-controls=\"elementor-tab-content-52118\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">\u00c9 obrigat\u00f3rio fazer o processo com a correspondente e ag\u00eancia da Caixa, parceira oficial da Supera?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-52118\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"18\" role=\"region\" aria-labelledby=\"elementor-tab-title-52118\"><p>N\u00e3o. Voc\u00ea poder\u00e1 realizar o processo de financiamento com a correspondente e o banco de sua escolha.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-52119\" class=\"elementor-tab-title\" data-tab=\"19\" role=\"button\" aria-controls=\"elementor-tab-content-52119\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\"> Quais s\u00e3o as despesas para transferir o im\u00f3vel para o meu nome (assinar a escritura e registrar no registro de im\u00f3veis)?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-52119\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"19\" role=\"region\" aria-labelledby=\"elementor-tab-title-52119\"><p>Atualmente, s\u00e3o devidas as seguintes despesas:<\/p><ul><li>ITBI (Imposto Sobre Transmiss\u00e3o de Bens e Im\u00f3veis) \u2013 devido \u00e0 Prefeitura Municipal<\/li><li>Emolumentos, FRJ (Fundo de Reaparelhamento da Justi\u00e7a) e ISS \u2013 devidos ao cart\u00f3rio de notas respons\u00e1vel por lavrar a escritura<\/li><li>Emolumentos, FRJ (Fundo de Reaparelhamento da Justi\u00e7a) e ISS \u2013 \u2013 devidos ao cart\u00f3rio de Registro de Im\u00f3veis<\/li><li>Despachante \u2013 devido ao despachante (opcional)<\/li><\/ul><p>Tais despesas s\u00e3o determinadas por normas legais (salvo pelo despachante) e podem ser alteradas a qualquer tempo.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-52120\" class=\"elementor-tab-title\" data-tab=\"20\" role=\"button\" aria-controls=\"elementor-tab-content-52120\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quais s\u00e3o os valores das despesas para a compra (escritura e registro) do meu im\u00f3vel?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-52120\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"20\" role=\"region\" aria-labelledby=\"elementor-tab-title-52120\"><p>Em geral, as despesas variam de acordo com o valor do im\u00f3vel e algumas delas s\u00e3o reajustadas anualmente pelo Estado. Contudo, para que voc\u00ea possa ter uma ordem de grandeza, apresentamos uma m\u00e9dia das referidas despesas para um im\u00f3vel com pre\u00e7o de R$400.000,00, situado em S\u00e3o Jos\u00e9\/SC, no ano de 2024:<\/p><ul><li>ITBI (Imposto Sobre Transmiss\u00e3o de Bens e Im\u00f3veis) al\u00edquota de 2% &#8211; R$8.000,00;<\/li><li>FRJ (Fundo de Reaparelhamento da Justi\u00e7a) \u2013 m\u00e9dia R$1.200,00;<\/li><li>Emolumentos Registro de Im\u00f3veis R$6.000,00;<\/li><li>Despachante R$600,00 (valor fixo)<\/li><\/ul><p><span style=\"text-decoration: underline;\">Aten\u00e7\u00e3o: os valores apresentados acima s\u00e3o a m\u00e9dia aproximada, v\u00e1lidos para o m\u00eas vigente de Julho\/2024. Os valores poder\u00e3o sofrer altera\u00e7\u00f5es pelas institui\u00e7\u00f5es at\u00e9 momento da contrata\u00e7\u00e3o do<\/span> <span style=\"text-decoration: underline;\">financiamento e a realiza\u00e7\u00e3o da escritura.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-52121\" class=\"elementor-tab-title\" data-tab=\"21\" role=\"button\" aria-controls=\"elementor-tab-content-52121\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Existe desconto em alguma despesa da Escritura?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-52121\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"21\" role=\"region\" aria-labelledby=\"elementor-tab-title-52121\"><p>O cliente que estiver adquirindo o seu 1\u00ba <strong>property<\/strong> (ou seja, n\u00e3o pode ter im\u00f3vel no seu nome em territ\u00f3rio nacional) ter\u00e1 desconto em 2 despesas: <strong>Emolumentos do Registro de Im\u00f3veis e FRJ.<\/strong> O valor do desconto <strong><span style=\"text-decoration: underline;\">poder\u00e1 chegar at\u00e9 50%<\/span><\/strong> nessas 2 despesas.<\/p><p>Caso o im\u00f3vel esteja sendo comprado por mais de uma pessoa e um deles estiver fazendo a compra do seu 1\u00ba im\u00f3vel, o desconto ser\u00e1 aplicado para todos os compradores.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-52122\" class=\"elementor-tab-title\" data-tab=\"22\" role=\"button\" aria-controls=\"elementor-tab-content-52122\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Existe algum desconto no ITBI?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-52122\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"22\" role=\"region\" aria-labelledby=\"elementor-tab-title-52122\"><p>Nenhuma das unidades do Vivendas Home Club se enquadra nas regras para redu\u00e7\u00e3o de ITBI junto \u00e0 Prefeitura de S\u00e3o Jos\u00e9\/SC.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-52123\" class=\"elementor-tab-title\" data-tab=\"23\" role=\"button\" aria-controls=\"elementor-tab-content-52123\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quanto tempo tenho para contratar o financiamento?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-52123\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"23\" role=\"region\" aria-labelledby=\"elementor-tab-title-52123\"><p>Ap\u00f3s a averba\u00e7\u00e3o do habite-se o prazo \u00e9 de at\u00e9 60 dias para contrata\u00e7\u00e3o do financiamento.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-52124\" class=\"elementor-tab-title\" data-tab=\"24\" role=\"button\" aria-controls=\"elementor-tab-content-52124\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Para que serve o servi\u00e7o de Despachante?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-52124\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"24\" role=\"region\" aria-labelledby=\"elementor-tab-title-52124\"><p>O despachante acompanhar\u00e1 o processo de emiss\u00e3o das despesas ap\u00f3s a assinatura do contrato de financiamento no banco at\u00e9 o protocolo e registro da escritura no registro de im\u00f3veis, retirando as exig\u00eancias feitas pelo cart\u00f3rio, caso ocorram, orientando o cliente sobre as exig\u00eancias, e, no fim, entregando o contrato registrado ao banco. A contrata\u00e7\u00e3o do despachante \u00e9 opcional. Caso voc\u00ea tenha interesse, a MR Neg\u00f3cios Imobili\u00e1rios tem um despachante parceiro para indicar.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-52125\" class=\"elementor-tab-title\" data-tab=\"25\" role=\"button\" aria-controls=\"elementor-tab-content-52125\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\"> Quando vou receber as chaves do meu im\u00f3vel?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-52125\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"25\" role=\"region\" aria-labelledby=\"elementor-tab-title-52125\"><p>As chaves do seu im\u00f3vel ser\u00e3o entregues ap\u00f3s a quita\u00e7\u00e3o total do pre\u00e7o, assinatura do contrato\/escritura definitivo(a) de compra e venda e registro do contrato\/escritura no registro de im\u00f3veis. Para isso, todas as despesas para a compra do im\u00f3vel j\u00e1 devem ter sido quitadas: ITBI, emolumentos, FRJ, ISS devidos aos cart\u00f3rios de notas e registro de im\u00f3veis.<\/p><p>Em algumas situa\u00e7\u00f5es, \u00e9 poss\u00edvel liberar as chaves do im\u00f3vel ap\u00f3s a assinatura do contrato\/escritura de compra e venda, pagamento das referidas despesas e protocolo do contrato\/registro no registro de im\u00f3veis. Para avaliar se voc\u00ea se enquadra nessas situa\u00e7\u00f5es, ser\u00e1 preciso falar diretamente com a imobili\u00e1ria parceira da Supera, MR Neg\u00f3cios Imobili\u00e1rios.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-52126\" class=\"elementor-tab-title\" data-tab=\"26\" role=\"button\" aria-controls=\"elementor-tab-content-52126\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quanto tempo leva para registrar a escritura de compra e venda do meu im\u00f3vel no registro de im\u00f3veis?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-52126\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"26\" role=\"region\" aria-labelledby=\"elementor-tab-title-52126\"><p>Ap\u00f3s a prenota\u00e7\u00e3o do processo de escritura no registro de im\u00f3veis, o prazo inicial para an\u00e1lise dos documentos \u00e9 de 20 dias \u00fateis, geralmente entre 30 \u00e0 40 dias para finalizar e o cliente receber a sua via dos documentos.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-52127\" class=\"elementor-tab-title\" data-tab=\"27\" role=\"button\" aria-controls=\"elementor-tab-content-52127\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Meu im\u00f3vel est\u00e1 quitado. Como ser\u00e1 o processo?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-52127\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"27\" role=\"region\" aria-labelledby=\"elementor-tab-title-52127\"><p>Ap\u00f3s a expedi\u00e7\u00e3o e averba\u00e7\u00e3o do \u201chabite-se\u201d, ter\u00e1 in\u00edcio o processo de lavratura (emiss\u00e3o) da escritura p\u00fablica de compra e venda de im\u00f3vel junto ao tabelionato parceiro da Supera Holding. A imobili\u00e1ria parceira da Supera, MR Neg\u00f3cios Imobili\u00e1rios, entrar\u00e1 em contato com voc\u00ea para solicitar a documenta\u00e7\u00e3o necess\u00e1ria e acompanhar\u00e1 o processo. Ap\u00f3s a assinatura da escritura e pagamentos das taxas: ITBI, Emolumentos, FRJ, ISS (Tabelionato de Notas e Registro de Im\u00f3veis), a equipe da Supera entrar\u00e1 em contato com voc\u00ea para agendar a entrega das chaves.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Meu boleto venceu, como solicito um novo? Para boletos Fase 2 do VHC, o cliente tem 60 dias ap\u00f3s vencimento (podendo utilizar o mesmo boleto) Para Fase 3 do VHC e Cyano o cliente tem 30 dias ap\u00f3s o vencimento (podendo utilizar o mesmo boleto) Caso estes prazos tenham encerrado, solicite o valor atualizado via [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-11086","page","type-page","status-publish","hentry"],"acf":[],"aioseo_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FAQ - Supera Holding<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/superahd.com.br\/en\/faq\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FAQ - Supera Holding\" \/>\n<meta property=\"og:description\" content=\"Meu boleto venceu, como solicito um novo? Para boletos Fase 2 do VHC, o cliente tem 60 dias ap\u00f3s vencimento (podendo utilizar o mesmo boleto) Para Fase 3 do VHC e Cyano o cliente tem 30 dias ap\u00f3s o vencimento (podendo utilizar o mesmo boleto) Caso estes prazos tenham encerrado, solicite o valor atualizado via [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/superahd.com.br\/en\/faq\/\" \/>\n<meta property=\"og:site_name\" content=\"Supera Holding\" \/>\n<meta property=\"article:modified_time\" content=\"2024-07-10T20:11:42+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"12 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/superahd.com.br\\\/faq\\\/\",\"url\":\"https:\\\/\\\/superahd.com.br\\\/faq\\\/\",\"name\":\"FAQ - Supera Holding\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/superahd.com.br\\\/#website\"},\"datePublished\":\"2023-05-20T20:08:47+00:00\",\"dateModified\":\"2024-07-10T20:11:42+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/superahd.com.br\\\/faq\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/superahd.com.br\\\/faq\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/superahd.com.br\\\/faq\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"In\u00edcio\",\"item\":\"https:\\\/\\\/superahd.com.br\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"FAQ\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/superahd.com.br\\\/#website\",\"url\":\"https:\\\/\\\/superahd.com.br\\\/\",\"name\":\"Supera Holding\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/superahd.com.br\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/superahd.com.br\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/superahd.com.br\\\/#organization\",\"name\":\"Supera Holding\",\"url\":\"https:\\\/\\\/superahd.com.br\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/superahd.com.br\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/superahd.com.br\\\/wp-content\\\/uploads\\\/2023\\\/04\\\/logo_supera.png\",\"contentUrl\":\"https:\\\/\\\/superahd.com.br\\\/wp-content\\\/uploads\\\/2023\\\/04\\\/logo_supera.png\",\"width\":187,\"height\":48,\"caption\":\"Supera Holding\"},\"image\":{\"@id\":\"https:\\\/\\\/superahd.com.br\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"FAQ - Supera Holding","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/superahd.com.br\/en\/faq\/","og_locale":"en_US","og_type":"article","og_title":"FAQ - Supera Holding","og_description":"Meu boleto venceu, como solicito um novo? 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