Calculate municipal transfer tax (ITBI 2%-3%), public notary deed, land registry cartório fees, and the statutory 50% discount on first-time SFH home registrations.
Greater value between actual purchase price and city reference value.
\text{Custo Total} = \text{ITBI}(\text{Prefeitura}) + \text{Registro}(\text{RI}) + \text{Escritura}(\text{Notas}) + \text{Certidões}Property transfer in Brazil requires paying municipal ITBI prior to deed registration. Bank financing contracts hold statutory deed validity (Law 4,380/64), and first-time residential buyers under SFH enjoy a statutory 50% discount on land registry fees (Law 6,015/73, Art. 290).
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, underwriting, or legal advice. Actual interest rates, closing costs, lender fees, and statutory criteria may vary. Calconova explicitly disclaims all liability for any financial decisions or actions taken based upon these calculations. Users are strongly advised to consult a certified financial planner, CPA, or licensed lending officer prior to executing financial commitments.
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