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29-07-2009 | Recovery may offset risk of buying property in plant

Far from being a dream, has never been easier to make the home a reality. With the expansion of the supply of credit and falling interest rates, buying a property may be an attractive option - especially if purchased in the plant.
To launch the delivery of the keys, the property has value, on average, 20% to 25%, according to Fabio Rossi, director of marketing for Secovi (union of enterprises of housing) and Itaplan Buildings.

This means that the buyer pays up to 25% cheaper than pay for a property ready. `In general, all entries have an initial phase in which there are better conditions for the client, the payment terms, to finance around 80% of the value of the property", says Rossi.

It must, however, planning and care. "Much of this recovery is to eliminate the risk. What you are buying is the promise of receiving a building ", says the professor of finance at USP Rafael Paschoarelli. "The purchase is beneficial financially since leaving the property", he says.
Learn how to minimize risk
For experts, the purchase of a building in the plant compensates financially when compared to the other has done. As an investment, however, is desired.

"Really not the best investment", says Carlos Alberto Ercolin, financial director of the National Association of Executives in Finance (Anefac). A building in the plant has low liquidity - which means that the buyer is in plaster and will have difficulty selling it if you need the money invested.

"Moreover, a person often forgets that he has other expenses side, IPTU, condominium. From time to time, also needs to invest in a retirement ", says Ercolin.

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