Descriptive Memorial is the document that contains the technical specifications of the finishes and materials to be used in the Development.

No. The construction site is not authorized to receive or install any material other than that provided for in the property's descriptive memorial.

Legislation requires that some areas, such as the kitchen and bathrooms, must be 100% ready before the building permit can be obtained.

When a choice of coatings is made available, it must be chosen from the entire range on offer, and it is not possible to merge the other options.

We would like to point out that deadlines are negotiated and agreed with the construction companies so as not to affect the construction schedule. It is therefore not possible to make changes after the deadline has passed.

Some developments offer options for changing the floor plan and finishes. These options are generally free of charge and must follow a stipulated timetable. The client will receive a login and password to access the My Choice website and choose the option that best suits them. Some developments may offer specific kits which may be charged for.

Buyers who are unable to attend the meeting may be represented by a proxy with specific powers for the AGM.

The Condominium Installation Meeting (AGI) will be scheduled once the construction work has been completed and the building permit issued by the City Council has been registered with the RGI (General Property Registry).

Contact us on 4020-7176 or go to www.opportunityimobiliario.com.br 1) In the exclusive area, click on "access here". Fill in the username and password fields.
2) Click on your name which will appear on the screen, or if you have more than one contract choose which one you want to consult.
3) Click on the Customer Relations icon. You can select the options: Technical Assistance, Customer Relations or Finance

Buyers who are unable to attend the meeting may be represented by a proxy with specific powers for the AGM.

You can follow the progress of the work via the development's website by clicking on "progress of the work". You can also follow the work through the Customer Portal on our website www.opportunityimobiliario.com.br.

Once you have paid off the outstanding balance of your mortgage, you will be issued with a declaration of discharge. This document must be taken to the RGI (General Real Estate Registry) so that the discharge can be recorded on your property's registration, thus removing the lien of the fiduciary alienation.

Yes, it's very easy! Access the Customer Portal.
1) Access the site: https://opportunityimobiliario.com.br
2) In the exclusive area, click on "access here". Fill in the user and password fields with your CPF/CNPJ number, if it's your first time logging in. (Do not put dots or slashes in the CPF/CNPJ, only numbers)
3 Click on your name that will appear on the screen, or if you have more than one contract, choose which one you want to consult.
6) In the main menu, click on the anticipation icon.
7) Select the installments you want to advance, indicating the date for payment (the amounts will be calculated according to the date), remembering that in descending order, you get a greater economic benefit. Once you have made your selection, click on Proceed. A bill of exchange will be generated for the total amount paid in advance, due on the date chosen. The next day after the request, the ticket will be available on our Customer Portal, following the same path as above, by clicking on "my advance payments".
Please note that requests must be made by 5:30 p.m. in order for the slips to be available the following day.

When the customer makes a payment of less than the full amount of their installment, the amounts in the installment are partially written off, generating the status partial write-off. When the remaining amount is paid, it will also have this status on another payment date.

Yes. The available dates are the 5th or 10th of each month. This must be requested through the Customer Service channels, which will send an addendum to be signed by the buyers to document the change.

This happens when the customer is registered with DDA (Direct Debit Authorized). If you want to unsubscribe from DDA, contact your bank.

It is now possible to pay boletos after their due date at any bank up to the deadline indicated on your boleto without having to request an updated boleto.
If you have passed this deadline and would like an updated boleto, you can request one through the customer portal by following the steps below.
1) Access the website: https://opportunityimobiliario.com.br
2) In the exclusive area, click on 'access here'. Fill in the user and password fields with your CPF/CNPJ number, if this is your first time accessing the site. (Do not put dots or slashes in the CPF/CNPJ, only numbers)
3) Click on your name that will appear on the screen. If you have more than one property, select the contract you wish to consult
4) In the main menu, click on the option to request a duplicate of your payment slip and select the date of payment. That's it! You will receive your boleto in your e-mail within 24 working hours.
Please note that the duplicate boleto(s) will be made available by e-mail and on the Customer Portal for printing within 24 working hours for requests made before 5pm on working days. For all other requests, slips will be available for printing within 48 working hours.

Access the site: https://opportunityimobiliario.com.br or call 4020-7176
2) In the exclusive area, click on "access here. Fill in the user and password fields with your CPF/CNPJ number, if this is your first access.
Note: Do not put dots or slashes in the CPF/CNPJ. Only numbers.
3) Fill in the details of your unit.
5) Click on your name which will appear on the screen.
6) Click on request 2nd copy of boletos.

To check the indices in force for your contract, you can go to the website of the institutions responsible for calculating them. The Getúlio Vargas Foundation (https://portalibre.fgv.br/) is responsible for calculating the INCC and IGP-M, while SINDUSCON (www.sinduscon-es.com.br) is responsible for calculating the CUB. In the case of the IPCA, the IBGE (https://ibge.gov.br/) is responsible for calculating it.

Installments are adjusted in accordance with the monetary adjustment clause in your contract.

It is important to consult the specific monetary correction clause in your contract.

The deadline is up to two working days. For payments by check, the time it takes to clear the check must be added.

It's a system that allows customers to receive their boletos electronically instead of by post.
The DDA sends the payment notice to the bank and the customer chooses how to make the payment. Either via ATM, internet banking, APP or directly at the teller.
The authorized direct debit, as the acronym indicates, must always be authorized by the account holder.

Yes. To do this, you must register via internet banking or ask your bank account manager. Remember that we have no control over the DDA, only the customer can enable or disable it with their bank.

Yes, it's very easy! Access the Customer Portal.
1) Access the site: https://opportunityimobiliario.com.br
2) In the exclusive area, click on "access here". Fill in the user and password fields with your CPF/CNPJ number, if it's your first time logging in. (Do not put dots or slashes in the CPF/CNPJ, only numbers)
3 Click on your name that will appear on the screen, or if you have more than one contract, choose which one you want to consult.
6) In the main menu, click on the anticipation icon.
7) Select the installments you want to advance, indicating the date for payment (the amounts will be calculated according to the date), remembering that in descending order, you get a greater economic benefit. Once you have made your selection, click on Proceed. A bill of exchange will be generated for the total amount paid in advance, due on the date chosen. The next day after the request, the ticket will be available on our Customer Portal, following the same path as above, by clicking on "my advance payments".
Please note that requests must be made by 5:30 p.m. in order for the slips to be available the following day.

Customer Portal: www.opportunityimobiliario.com.br; e-mail:clienteimobiliario@opportunity.com.br; Tel: 4020-7176

Proof of income will be analyzed as payslips for the last 3 months and/or electronic decore for the last 3 months and/or IRPF for the last financial year with receipt of submission.

Credit analysis is the process of assessing the client's financial capacity in relation to the contracted payment flow, respecting Opportunity's internal policy. In this process, it is essential that you send us all the documentation on our checklist, so that we can speed up the analysis.

As long as the Final Deed for your property has not yet been signed, you may assign the rights to purchase your unit to a third party, provided that you comply with all the conditions set out in your Promissory Purchase Agreement.

When the keys are handed over, you will receive the Owner's Manual, which will contain a full description of the materials installed in your property, as well as technical recommendations for maintaining the guarantees.

Buyers who are unable to attend the meeting may be represented by a proxy with specific powers for the AGM.

The Condominium Installation Meeting (AGI) will be scheduled once the construction work has been completed and the building permit issued by the City Council has been registered with the RGI (General Property Registry).

The condominium installation meeting, better known as the AGI, is a meeting to which the purchasers of autonomous units are invited and whose main objective is to establish the condominium of the newly built development. At this meeting, the representatives of the condominium will be presented: liquidator, board members and condominium administrator, as well as the budget forecast and apportionment of expenses.

Customer Portal: www.opportunityimobiliario.com.br; e-mail:clienteimobiliario@opportunity.com.br; Tel: 4020-7176

Descriptive Memorial is the document that contains the technical specifications of the finishes and materials to be used in the Development.

As long as the Final Deed for your property has not yet been signed, you may assign the rights to purchase your unit to a third party, provided that you comply with all the conditions set out in your Promissory Purchase Agreement.

Memorial de Incorporação is a legal requirement for the sale of real estate during construction and requires the registration of a set of documents with the competent Real Estate Registry Office (RGI). The memorial is public and available for consultation at the registry office. In order to facilitate consultation, the law requires that all publicity relating to the development contains the registration number of the development memorial and the registry office where it was registered.

To check the indices in force for your contract, you can go to the website of the institutions responsible for calculating them. The Getúlio Vargas Foundation (https://portalibre.fgv.br/) is responsible for calculating the INCC and IGP-M, while SINDUSCON (www.sinduscon-es.com.br) is responsible for calculating the CUB. In the case of the IPCA, the IBGE (https://ibge.gov.br/) is responsible for calculating it.

Installments are adjusted in accordance with the monetary adjustment clause in your contract.

It is important to consult the specific monetary correction clause in your contract.

The promissory purchase agreement is the instrument signed when purchasing a property under construction and is usually signed by private instrument. The purchase and sale agreement is signed upon completion of the work by public instrument.

After the credit has been approved, the client will be invited to pick up their copy of the Promissory Purchase Order at our office. This is an opportune moment for clarifications and general questions. The credit analysis process may take up to 21 working days, as stipulated in the contract.

Proof of income will be analyzed as payslips for the last 3 months and/or electronic decore for the last 3 months and/or IRPF for the last financial year with receipt of submission.

Credit analysis is the process of assessing the client's financial capacity in relation to the contracted payment flow, respecting Opportunity's internal policy. In this process, it is essential that you send us all the documentation on our checklist, so that we can speed up the analysis.

Once the promissory note has been signed, the credit analysis and registration stage will begin, in accordance with the suspensive clause in your contract, and the check for payment of the "Ato" will be deposited. You will receive a notice with this information. Once the credit has been approved, the copies of your contract will be signed by the proxies and your copy will be made available for collection at our office. At the same time, you will be given access to the Client Portal.

Customer Portal: www.opportunityimobiliario.com.br; e-mail:clienteimobiliario@opportunity.com.br; Tel: 4020-7176

The installments are subject to monetary correction, as stated in your contract. In the case of a ready-built property financed directly with Opportunity, in addition to interest and monetary restatement, lender's insurance will also be included on a monthly basis.

A The value of the installments on the website reflects the value on the day of the consultation. Therefore, if the boleto is generated for a different due date, it will already include the monetary correction calculated for the due date of the boleto and the charges when the installment is overdue.

To check the indices in force for your contract, you can go to the website of the institutions responsible for calculating them. The Getúlio Vargas Foundation (https://portalibre.fgv.br/) is responsible for calculating the INCC and IGP-M, while SINDUSCON (www.sinduscon-es.com.br) is responsible for calculating the CUB. In the case of the IPCA, the IBGE (https://ibge.gov.br/) is responsible for calculating it.

Installments are adjusted in accordance with the monetary adjustment clause in your contract.

It is important to consult the specific monetary correction clause in your contract.

Proof of income will be analyzed as payslips for the last 3 months and/or electronic decore for the last 3 months and/or IRPF for the last financial year with receipt of submission.

Yes. Once you have registered the deed of sale with fiduciary alienation with Opportunity, you can port it. To do so, you should contact the bank of your choice to begin negotiations.

In the developments designed by Opportunity, the common areas are equipped and decorated, with no additional charge. The areas are delivered ready according to the images and perspectives of the development.

ITBI stands for Property Transfer Tax. It is levied by the municipality in the event of any transfer of ownership or useful domain of real estate. Payment of ITBI, in the case of a definitive deed of sale of the property, must precede the signing of the deed.

ITBI stands for Property Transfer Tax. It is levied by the municipality in the event of any transfer of ownership or useful domain of real estate. Payment of ITBI, in the case of a definitive deed of sale of the property, must precede the signing of the deed.

These are called definitive connections, and include the costs of connections to public utilities. These expenses cannot be measured in advance and comprise the amounts paid by the developer for the final connection of the project's facilities (gas, electricity, water and sewage).

Before handing over the keys, it is important to be prepared to pay off the outstanding balance, pay the ITBI (Real Estate Transfer Tax), pay the Laudemium (if applicable), deed and registration, final connections to the utilities and the condominium fee.

Yes. The available dates are the 5th or 10th of each month. This must be requested through the Customer Service channels, which will send an addendum to be signed by the buyers to document the change.

Access the site: https://opportunityimobiliario.com.br or call 4020-7176
2) In the exclusive area, click on "access here. Fill in the user and password fields with your CPF/CNPJ number, if this is your first access.
Note: Do not put dots or slashes in the CPF/CNPJ. Only numbers.
3) Fill in the details of your unit.
5) Click on your name which will appear on the screen.
6) Click on request 2nd copy of boletos.

It's a system that allows customers to receive their boletos electronically instead of by post.
The DDA sends the payment notice to the bank and the customer chooses how to make the payment. Either via ATM, internet banking, APP or directly at the teller.
The authorized direct debit, as the acronym indicates, must always be authorized by the account holder.

Yes. To do this, you must register via internet banking or ask your bank account manager. Remember that we have no control over the DDA, only the customer can enable or disable it with their bank.

Yes. Once you have registered the deed of sale with fiduciary alienation with Opportunity, you can port it. To do so, you should contact the bank of your choice to begin negotiations.

In the developments designed by Opportunity, the common areas are equipped and decorated, with no additional charge. The areas are delivered ready according to the images and perspectives of the development.

ITBI stands for Property Transfer Tax. It is levied by the municipality in the event of any transfer of ownership or useful domain of real estate. Payment of ITBI, in the case of a definitive deed of sale of the property, must precede the signing of the deed.

ITBI stands for Property Transfer Tax. It is levied by the municipality in the event of any transfer of ownership or useful domain of real estate. Payment of ITBI, in the case of a definitive deed of sale of the property, must precede the signing of the deed.

These are called definitive connections, and include the costs of connections to public utilities. These expenses cannot be measured in advance and comprise the amounts paid by the developer for the final connection of the project's facilities (gas, electricity, water and sewage).

Before handing over the keys, it is important to be prepared to pay off the outstanding balance, pay the ITBI (Real Estate Transfer Tax), pay the Laudemium (if applicable), deed and registration, final connections to the utilities and the condominium fee.

The installments are subject to monetary correction, as stated in your contract. In the case of a ready-built property financed directly with Opportunity, in addition to interest and monetary restatement, lender's insurance will also be included on a monthly basis.

A The value of the installments on the website reflects the value on the day of the consultation. Therefore, if the boleto is generated for a different due date, it will already include the monetary correction calculated for the due date of the boleto and the charges when the installment is overdue.

When the keys are handed over, you will receive the Owner's Manual, which will contain a full description of the materials installed in your property, as well as technical recommendations for maintaining the guarantees.

Contact us on 4020-7176 or go to www.opportunityimobiliario.com.br 1) In the exclusive area, click on "access here". Fill in the username and password fields.
2) Click on your name which will appear on the screen, or if you have more than one contract choose which one you want to consult.
3) Click on the Customer Relations icon. You can select the options: Technical Assistance, Customer Relations or Finance

Buyers who are unable to attend the meeting may be represented by a proxy with specific powers for the AGM.

Buyers who are unable to attend the meeting may be represented by a proxy with specific powers for the AGM.

The Condominium Installation Meeting (AGI) will be scheduled once the construction work has been completed and the building permit issued by the City Council has been registered with the RGI (General Property Registry).

The condominium installation meeting, better known as the AGI, is a meeting to which the purchasers of autonomous units are invited and whose main objective is to establish the condominium of the newly built development. At this meeting, the representatives of the condominium will be presented: liquidator, board members and condominium administrator, as well as the budget forecast and apportionment of expenses.

During the inspection, items on a checklist will be checked and if any problems are identified, they will be listed and resolved by the construction company.

When the work is completed, a schedule of inspections will be drawn up and you will be invited by Opportunity to attend on a scheduled date and time.

The inspection of your property is a very important stage, the purpose of which is to get to know and receive your unit, as well as to check for any faults so that they can be corrected. 

The video presents nine important points:

00:48 - General recommendations
01:55 - Floor plan
02:18 - Painting
02:32 - Switches and sockets
02:55 - Balconies, glass, tiles, floors and worktops
03:21 - Hydraulic system
03:51 - Doors and jambs
04:08 - Check List
04:33 - Post-inspection

Once the building permit has been issued, the stages of preparing for the delivery of the development will begin: Registration of the building permit with the RGI (Registro Geral de Imóveis), connection of utility services, inspection of the autonomous units, instructions for the transfer of the financing or financing with Opportunity, preparation and scheduling of the AGI (General Meeting for the Implementation of the Condominium), effecting the discharge or contracting of the financing, deed and registration of the contract. At the end of these stages you will receive the keys to your property.

"

"Habite-se" is a certificate issued by the City Hall attesting that the property is ready and able to be inhabited, in accordance with the legal requirements established by the municipality, especially the Building Code.

Yes. Once you have registered the deed of sale with fiduciary alienation with Opportunity, you can port it. To do so, you should contact the bank of your choice to begin negotiations.

In the developments designed by Opportunity, the common areas are equipped and decorated, with no additional charge. The areas are delivered ready according to the images and perspectives of the development.

ITBI stands for Property Transfer Tax. It is levied by the municipality in the event of any transfer of ownership or useful domain of real estate. Payment of ITBI, in the case of a definitive deed of sale of the property, must precede the signing of the deed.

ITBI stands for Property Transfer Tax. It is levied by the municipality in the event of any transfer of ownership or useful domain of real estate. Payment of ITBI, in the case of a definitive deed of sale of the property, must precede the signing of the deed.

These are called definitive connections, and include the costs of connections to public utilities. These expenses cannot be measured in advance and comprise the amounts paid by the developer for the final connection of the project's facilities (gas, electricity, water and sewage).

Before handing over the keys, it is important to be prepared to pay off the outstanding balance, pay the ITBI (Real Estate Transfer Tax), pay the Laudemium (if applicable), deed and registration, final connections to the utilities and the condominium fee.

The promissory purchase agreement is the instrument signed when purchasing a property under construction and is usually signed by private instrument. The purchase and sale agreement is signed upon completion of the work by public instrument.

Once you have paid off the outstanding balance of your mortgage, you will be issued with a declaration of discharge. This document must be taken to the RGI (General Real Estate Registry) so that the discharge can be recorded on your property's registration, thus removing the lien of the fiduciary alienation.

The installments are subject to monetary correction, as stated in your contract. In the case of a ready-built property financed directly with Opportunity, in addition to interest and monetary restatement, lender's insurance will also be included on a monthly basis.

A The value of the installments on the website reflects the value on the day of the consultation. Therefore, if the boleto is generated for a different due date, it will already include the monetary correction calculated for the due date of the boleto and the charges when the installment is overdue.

When the customer makes a payment of less than the full amount of their installment, the amounts in the installment are partially written off, generating the status partial write-off. When the remaining amount is paid, it will also have this status on another payment date.

You can check the financial statement for your contract and the balance to be paid via the customer portal by following the steps below.
1) Access the website: https://opportunityimobiliario.com.br
2) In the exclusive area, click on "access here. Fill in the username and password fields and your CPF/CNPJ number, if this is your first time logging in.
(Do not put dots or slashes in the CPF/CNPJ. Only numbers)
3) Fill in the details for your unit.
4) Click on your name which will appear on the screen.
5) Click on financial statement.

Customer Portal: www.opportunityimobiliario.com.br; e-mail:clienteimobiliario@opportunity.com.br; Tel: 4020-7176

Once you have paid off the outstanding balance of your mortgage, you will be issued with a declaration of discharge. This document must be taken to the RGI (General Real Estate Registry) so that the discharge can be recorded on your property's registration, thus removing the lien of the fiduciary alienation.

The installments are subject to monetary correction, as stated in your contract. In the case of a ready-built property financed directly with Opportunity, in addition to interest and monetary restatement, lender's insurance will also be included on a monthly basis.

A The value of the installments on the website reflects the value on the day of the consultation. Therefore, if the boleto is generated for a different due date, it will already include the monetary correction calculated for the due date of the boleto and the charges when the installment is overdue.

Yes. The available dates are the 5th or 10th of each month. This must be requested through the Customer Service channels, which will send an addendum to be signed by the buyers to document the change.

You can check the financial statement for your contract and the balance to be paid via the customer portal by following the steps below.
1) Access the website: https://opportunityimobiliario.com.br
2) In the exclusive area, click on "access here. Fill in the username and password fields and your CPF/CNPJ number, if this is your first time logging in.
(Do not put dots or slashes in the CPF/CNPJ. Only numbers)
3) Fill in the details for your unit.
4) Click on your name which will appear on the screen.
5) Click on financial statement.

Access the site: https://opportunityimobiliario.com.br or call 4020-7176
2) In the exclusive area, click on "access here. Fill in the user and password fields with your CPF/CNPJ number, if this is your first access.
Note: Do not put dots or slashes in the CPF/CNPJ. Only numbers.
3) Fill in the details of your unit.
5) Click on your name which will appear on the screen.
6) Click on request 2nd copy of boletos.

To check the indices in force for your contract, you can go to the website of the institutions responsible for calculating them. The Getúlio Vargas Foundation (https://portalibre.fgv.br/) is responsible for calculating the INCC and IGP-M, while SINDUSCON (www.sinduscon-es.com.br) is responsible for calculating the CUB. In the case of the IPCA, the IBGE (https://ibge.gov.br/) is responsible for calculating it.

Installments are adjusted in accordance with the monetary adjustment clause in your contract.

It is important to consult the specific monetary correction clause in your contract.

The deadline is up to two working days. For payments by check, the time it takes to clear the check must be added.

It's a system that allows customers to receive their boletos electronically instead of by post.
The DDA sends the payment notice to the bank and the customer chooses how to make the payment. Either via ATM, internet banking, APP or directly at the teller.
The authorized direct debit, as the acronym indicates, must always be authorized by the account holder.

Yes. To do this, you must register via internet banking or ask your bank account manager. Remember that we have no control over the DDA, only the customer can enable or disable it with their bank.

Yes, it's very easy! Access the Customer Portal.
1) Access the site: https://opportunityimobiliario.com.br
2) In the exclusive area, click on "access here". Fill in the user and password fields with your CPF/CNPJ number, if it's your first time logging in. (Do not put dots or slashes in the CPF/CNPJ, only numbers)
3 Click on your name that will appear on the screen, or if you have more than one contract, choose which one you want to consult.
6) In the main menu, click on the anticipation icon.
7) Select the installments you want to advance, indicating the date for payment (the amounts will be calculated according to the date), remembering that in descending order, you get a greater economic benefit. Once you have made your selection, click on Proceed. A bill of exchange will be generated for the total amount paid in advance, due on the date chosen. The next day after the request, the ticket will be available on our Customer Portal, following the same path as above, by clicking on "my advance payments".
Please note that requests must be made by 5:30 p.m. in order for the slips to be available the following day.

Yes. Once you have registered the deed of sale with fiduciary alienation with Opportunity, you can port it. To do so, you should contact the bank of your choice to begin negotiations.

In the developments designed by Opportunity, the common areas are equipped and decorated, with no additional charge. The areas are delivered ready according to the images and perspectives of the development.

ITBI stands for Property Transfer Tax. It is levied by the municipality in the event of any transfer of ownership or useful domain of real estate. Payment of ITBI, in the case of a definitive deed of sale of the property, must precede the signing of the deed.

ITBI stands for Property Transfer Tax. It is levied by the municipality in the event of any transfer of ownership or useful domain of real estate. Payment of ITBI, in the case of a definitive deed of sale of the property, must precede the signing of the deed.

These are called definitive connections, and include the costs of connections to public utilities. These expenses cannot be measured in advance and comprise the amounts paid by the developer for the final connection of the project's facilities (gas, electricity, water and sewage).

Before handing over the keys, it is important to be prepared to pay off the outstanding balance, pay the ITBI (Real Estate Transfer Tax), pay the Laudemium (if applicable), deed and registration, final connections to the utilities and the condominium fee.

Direct financing with Opportunity will depend on an updated credit analysis and registration and, once approved, the client's details and the payment method will be sent to the notary's office, which will draw up the Deed of Purchase and Sale with Adjective Pact of Fiduciary Alienation of the property. This deed must then be registered with the relevant real estate registry.

The use of the FGTS to pay off the loan must be checked with the financial institution of your choice. If you choose to finance the balance directly with the seller, it is not possible to use the FGTS.

Yes, as long as this option is included in the contract and your credit is approved. To check if you have this option, see the Summary Table under "Payment Description".

When there is provision for financing the balance of the price of your property, the options are described in your contract in the Summary Table, under "Description of Payment".

When the customer makes a payment of less than the full amount of their installment, the amounts in the installment are partially written off, generating the status partial write-off. When the remaining amount is paid, it will also have this status on another payment date.

To check the indices in force for your contract, you can go to the website of the institutions responsible for calculating them. The Getúlio Vargas Foundation (https://portalibre.fgv.br/) is responsible for calculating the INCC and IGP-M, while SINDUSCON (www.sinduscon-es.com.br) is responsible for calculating the CUB. In the case of the IPCA, the IBGE (https://ibge.gov.br/) is responsible for calculating it.

When the keys are handed over, you will receive the Owner's Manual, which will contain a full description of the materials installed in your property, as well as technical recommendations for maintaining the guarantees.

Memorial de Incorporação is a legal requirement for the sale of real estate during construction and requires the registration of a set of documents with the competent Real Estate Registry Office (RGI). The memorial is public and available for consultation at the registry office. In order to facilitate consultation, the law requires that all publicity relating to the development contains the registration number of the development memorial and the registry office where it was registered.

Descriptive Memorial is the document that contains the technical specifications of the finishes and materials to be used in the Development.

No. The construction site is not authorized to receive or install any material other than that provided for in the property's descriptive memorial.

Legislation requires that some areas, such as the kitchen and bathrooms, must be 100% ready before the building permit can be obtained.

When a choice of coatings is made available, it must be chosen from the entire range on offer, and it is not possible to merge the other options.

We would like to point out that deadlines are negotiated and agreed with the construction companies so as not to affect the construction schedule. It is therefore not possible to make changes after the deadline has passed.

Some developments offer options for changing the floor plan and finishes. These options are generally free of charge and must follow a stipulated timetable. The client will receive a login and password to access the My Choice website and choose the option that best suits them. Some developments may offer specific kits which may be charged for.

Buyers who are unable to attend the meeting may be represented by a proxy with specific powers for the AGM.

The Condominium Installation Meeting (AGI) will be scheduled once the construction work has been completed and the building permit issued by the City Council has been registered with the RGI (General Property Registry).

The condominium installation meeting, better known as the AGI, is a meeting to which the purchasers of autonomous units are invited and whose main objective is to establish the condominium of the newly built development. At this meeting, the representatives of the condominium will be presented: liquidator, board members and condominium administrator, as well as the budget forecast and apportionment of expenses.

During the inspection, items on a checklist will be checked and if any problems are identified, they will be listed and resolved by the construction company.

When the work is completed, a schedule of inspections will be drawn up and you will be invited by Opportunity to attend on a scheduled date and time.

The inspection of your property is a very important stage, the purpose of which is to get to know and receive your unit, as well as to check for any faults so that they can be corrected. 

The video presents nine important points:

00:48 - General recommendations
01:55 - Floor plan
02:18 - Painting
02:32 - Switches and sockets
02:55 - Balconies, glass, tiles, floors and worktops
03:21 - Hydraulic system
03:51 - Doors and jambs
04:08 - Check List
04:33 - Post-inspection

Once the building permit has been issued, the stages of preparing for the delivery of the development will begin: Registration of the building permit with the RGI (Registro Geral de Imóveis), connection of utility services, inspection of the autonomous units, instructions for the transfer of the financing or financing with Opportunity, preparation and scheduling of the AGI (General Meeting for the Implementation of the Condominium), effecting the discharge or contracting of the financing, deed and registration of the contract. At the end of these stages you will receive the keys to your property.

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"Habite-se" is a certificate issued by the City Hall attesting that the property is ready and able to be inhabited, in accordance with the legal requirements established by the municipality, especially the Building Code.

Direct financing with Opportunity will depend on an updated credit analysis and registration and, once approved, the client's details and the payment method will be sent to the notary's office, which will draw up the Deed of Purchase and Sale with Adjective Pact of Fiduciary Alienation of the property. This deed must then be registered with the relevant real estate registry.

The use of the FGTS to pay off the loan must be checked with the financial institution of your choice. If you choose to finance the balance directly with the seller, it is not possible to use the FGTS.

Yes, as long as this option is included in the contract and your credit is approved. To check if you have this option, see the Summary Table under "Payment Description".

When there is provision for financing the balance of the price of your property, the options are described in your contract in the Summary Table, under "Description of Payment".

Yes. The available dates are the 5th or 10th of each month. This must be requested through the Customer Service channels, which will send an addendum to be signed by the buyers to document the change.

Access the site: https://opportunityimobiliario.com.br or call 4020-7176
2) In the exclusive area, click on "access here. Fill in the user and password fields with your CPF/CNPJ number, if this is your first access.
Note: Do not put dots or slashes in the CPF/CNPJ. Only numbers.
3) Fill in the details of your unit.
5) Click on your name which will appear on the screen.
6) Click on request 2nd copy of boletos.

To check the indices in force for your contract, you can go to the website of the institutions responsible for calculating them. The Getúlio Vargas Foundation (https://portalibre.fgv.br/) is responsible for calculating the INCC and IGP-M, while SINDUSCON (www.sinduscon-es.com.br) is responsible for calculating the CUB. In the case of the IPCA, the IBGE (https://ibge.gov.br/) is responsible for calculating it.

Installments are adjusted in accordance with the monetary adjustment clause in your contract.

It is important to consult the specific monetary correction clause in your contract.

The deadline is up to two working days. For payments by check, the time it takes to clear the check must be added.

It's a system that allows customers to receive their boletos electronically instead of by post.
The DDA sends the payment notice to the bank and the customer chooses how to make the payment. Either via ATM, internet banking, APP or directly at the teller.
The authorized direct debit, as the acronym indicates, must always be authorized by the account holder.

Yes. To do this, you must register via internet banking or ask your bank account manager. Remember that we have no control over the DDA, only the customer can enable or disable it with their bank.

Yes, it's very easy! Access the Customer Portal.
1) Access the site: https://opportunityimobiliario.com.br
2) In the exclusive area, click on "access here". Fill in the user and password fields with your CPF/CNPJ number, if it's your first time logging in. (Do not put dots or slashes in the CPF/CNPJ, only numbers)
3 Click on your name that will appear on the screen, or if you have more than one contract, choose which one you want to consult.
6) In the main menu, click on the anticipation icon.
7) Select the installments you want to advance, indicating the date for payment (the amounts will be calculated according to the date), remembering that in descending order, you get a greater economic benefit. Once you have made your selection, click on Proceed. A bill of exchange will be generated for the total amount paid in advance, due on the date chosen. The next day after the request, the ticket will be available on our Customer Portal, following the same path as above, by clicking on "my advance payments".
Please note that requests must be made by 5:30 p.m. in order for the slips to be available the following day.

No. The construction site is not authorized to receive or install any material other than that provided for in the property's descriptive memorial.

Legislation requires that some areas, such as the kitchen and bathrooms, must be 100% ready before the building permit can be obtained.

When a choice of coatings is made available, it must be chosen from the entire range on offer, and it is not possible to merge the other options.

We would like to point out that deadlines are negotiated and agreed with the construction companies so as not to affect the construction schedule. It is therefore not possible to make changes after the deadline has passed.

Some developments offer options for changing the floor plan and finishes. These options are generally free of charge and must follow a stipulated timetable. The client will receive a login and password to access the My Choice website and choose the option that best suits them. Some developments may offer specific kits which may be charged for.

No. The construction site is not authorized to receive or install any material other than that provided for in the property's descriptive memorial.

Legislation requires that some areas, such as the kitchen and bathrooms, must be 100% ready before the building permit can be obtained.

When a choice of coatings is made available, it must be chosen from the entire range on offer, and it is not possible to merge the other options.

We would like to point out that deadlines are negotiated and agreed with the construction companies so as not to affect the construction schedule. It is therefore not possible to make changes after the deadline has passed.

Some developments offer options for changing the floor plan and finishes. These options are generally free of charge and must follow a stipulated timetable. The client will receive a login and password to access the My Choice website and choose the option that best suits them. Some developments may offer specific kits which may be charged for.

Contact us on 4020-7176 or go to www.opportunityimobiliario.com.br 1) In the exclusive area, click on "access here". Fill in the username and password fields.
2) Click on your name which will appear on the screen, or if you have more than one contract choose which one you want to consult.
3) Click on the Customer Relations icon. You can select the options: Technical Assistance, Customer Relations or Finance

Buyers who are unable to attend the meeting may be represented by a proxy with specific powers for the AGM.

Once you have paid off the outstanding balance of your mortgage, you will be issued with a declaration of discharge. This document must be taken to the RGI (General Real Estate Registry) so that the discharge can be recorded on your property's registration, thus removing the lien of the fiduciary alienation.

Direct financing with Opportunity will depend on an updated credit analysis and registration and, once approved, the client's details and the payment method will be sent to the notary's office, which will draw up the Deed of Purchase and Sale with Adjective Pact of Fiduciary Alienation of the property. This deed must then be registered with the relevant real estate registry.

The use of the FGTS to pay off the loan must be checked with the financial institution of your choice. If you choose to finance the balance directly with the seller, it is not possible to use the FGTS.

Descriptive Memorial is the document that contains the technical specifications of the finishes and materials to be used in the Development.

No. The construction site is not authorized to receive or install any material other than that provided for in the property's descriptive memorial.

Legislation requires that some areas, such as the kitchen and bathrooms, must be 100% ready before the building permit can be obtained.

When a choice of coatings is made available, it must be chosen from the entire range on offer, and it is not possible to merge the other options.

We would like to point out that deadlines are negotiated and agreed with the construction companies so as not to affect the construction schedule. It is therefore not possible to make changes after the deadline has passed.

Some developments offer options for changing the floor plan and finishes. These options are generally free of charge and must follow a stipulated timetable. The client will receive a login and password to access the My Choice website and choose the option that best suits them. Some developments may offer specific kits which may be charged for.

Once you have paid off the outstanding balance of your mortgage, you will be issued with a declaration of discharge. This document must be taken to the RGI (General Real Estate Registry) so that the discharge can be recorded on your property's registration, thus removing the lien of the fiduciary alienation.

The installments are subject to monetary correction, as stated in your contract. In the case of a ready-built property financed directly with Opportunity, in addition to interest and monetary restatement, lender's insurance will also be included on a monthly basis.

A The value of the installments on the website reflects the value on the day of the consultation. Therefore, if the boleto is generated for a different due date, it will already include the monetary correction calculated for the due date of the boleto and the charges when the installment is overdue.

When the customer makes a payment of less than the full amount of their installment, the amounts in the installment are partially written off, generating the status partial write-off. When the remaining amount is paid, it will also have this status on another payment date.

You can check the financial statement for your contract and the balance to be paid via the customer portal by following the steps below.
1) Access the website: https://opportunityimobiliario.com.br
2) In the exclusive area, click on "access here. Fill in the username and password fields and your CPF/CNPJ number, if this is your first time logging in.
(Do not put dots or slashes in the CPF/CNPJ. Only numbers)
3) Fill in the details for your unit.
4) Click on your name which will appear on the screen.
5) Click on financial statement.

Lender's liability insurance is an insurance policy that guarantees the repayment of the debt in the event of death or permanent disability due to an accident. The beneficiary will always be the creditor company.

Lender's liability insurance is provided for by law for all fiduciary alienation contracts. It is taken out in favor of the creditor and its purpose is to pay off the debt in the event of the death or disability of the insured, respecting the percentage of coverage for each insured. The insurance is charged monthly and added to the amount of the loan installment.
The insurance charged monthly is a percentage of 0.0274 calculated on the outstanding balance.

Yes. The available dates are the 5th or 10th of each month. This must be requested through the Customer Service channels, which will send an addendum to be signed by the buyers to document the change.

Buyers who are unable to attend the meeting may be represented by a proxy with specific powers for the AGM.

The Condominium Installation Meeting (AGI) will be scheduled once the construction work has been completed and the building permit issued by the City Council has been registered with the RGI (General Property Registry).

The condominium installation meeting, better known as the AGI, is a meeting to which the purchasers of autonomous units are invited and whose main objective is to establish the condominium of the newly built development. At this meeting, the representatives of the condominium will be presented: liquidator, board members and condominium administrator, as well as the budget forecast and apportionment of expenses.

During the inspection, items on a checklist will be checked and if any problems are identified, they will be listed and resolved by the construction company.

When the work is completed, a schedule of inspections will be drawn up and you will be invited by Opportunity to attend on a scheduled date and time.

The inspection of your property is a very important stage, the purpose of which is to get to know and receive your unit, as well as to check for any faults so that they can be corrected. 

The video presents nine important points:

00:48 - General recommendations
01:55 - Floor plan
02:18 - Painting
02:32 - Switches and sockets
02:55 - Balconies, glass, tiles, floors and worktops
03:21 - Hydraulic system
03:51 - Doors and jambs
04:08 - Check List
04:33 - Post-inspection

Once the building permit has been issued, the stages of preparing for the delivery of the development will begin: Registration of the building permit with the RGI (Registro Geral de Imóveis), connection of utility services, inspection of the autonomous units, instructions for the transfer of the financing or financing with Opportunity, preparation and scheduling of the AGI (General Meeting for the Implementation of the Condominium), effecting the discharge or contracting of the financing, deed and registration of the contract. At the end of these stages you will receive the keys to your property.