{"id":9234,"date":"2026-04-17T14:46:57","date_gmt":"2026-04-17T14:46:57","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=knowledge-base&p=9234"},"modified":"2026-04-20T09:49:52","modified_gmt":"2026-04-20T09:49:52","slug":"compras-para-novas-construcoes-o-que-precisa-de-saber","status":"publish","type":"knowledge-base","link":"https:\/\/rfblegal.co.uk\/pt\/base-de-conhecimentos\/compras-para-novas-construcoes-o-que-precisa-de-saber\/","title":{"rendered":"Compra de im\u00f3veis novos - O que precisa de saber"},"content":{"rendered":"

H\u00e1 muitas vantagens e atrac\u00e7\u00f5es na compra de uma casa nova. N\u00e3o s\u00f3 evita o tedioso drama de um vendedor com uma transa\u00e7\u00e3o relacionada e uma longa cadeia, como tamb\u00e9m, de um modo geral, as propriedades constru\u00eddas de raiz s\u00e3o mais eficientes do ponto de vista energ\u00e9tico e requerem menos manuten\u00e7\u00e3o ap\u00f3s a mudan\u00e7a. Todos os equipamentos e acess\u00f3rios vontade<\/a> be brand new and essential white goods are also included, but may be subject to adicional<\/a> charge. Moreover, developers can offer some attractive incentives such as Stamp Duty contributions, furniture packs and legal fee contributions.<\/p>\n\n\n\n

Comprar uma propriedade muito antes de estar conclu\u00edda pode parecer estranho e arriscado, mas \u00e9 poss\u00edvel que a propriedade aumente significativamente de valor depois de ter sido constru\u00edda, porque estar\u00e1 a comprar a propriedade ao pre\u00e7o de mercado atual no momento da troca de contratos e n\u00e3o ao valor de mercado depois de estar conclu\u00edda. Por conseguinte, quer esteja a comprar como investimento ou para ocupa\u00e7\u00e3o pr\u00f3pria, a compra fora do plano \u00e9 muitas vezes uma op\u00e7\u00e3o vi\u00e1vel e atractiva.<\/p>\n\n\n\n

Existem muitas diferen\u00e7as entre as aquisi\u00e7\u00f5es de im\u00f3veis novos e as transac\u00e7\u00f5es de financiamento \u201cnormais\u201d. Ter\u00e1 de garantir que o solicitador que instruir para atuar em seu nome \u00e9 bem versado em transac\u00e7\u00f5es de novas constru\u00e7\u00f5es e \u00e9 capaz de reconhecer e gui\u00e1-lo atrav\u00e9s dos riscos e armadilhas inerentes que podem surgir frequentemente.<\/p>\n\n\n\n

Taxas de reserva e prazos de troca<\/h4>\n\n\n\n

Usually before taking a property off the market the developers will require a reservation fee \u2013 generally around \u00a32,000 but may vary between developers. This reservation fee will be deducted from the deposit payable to the developer\u2019s solicitors upon exchange of contracts. As there is generally a high demand for off-plan properties the developers will also impose an exchange deadline \u2013 usually 21 or 28 days \u2013 this will be from the day your solicitor receives the contract pack from the developer\u2019s solicitors. Therefore it is imperative that your solicitor is able to act quickly to ensure that you can meet this deadline and avoid missing<\/a> the deadline and risk confisco<\/a> of the reservation fee.<\/p>\n\n\n\n

Dep\u00f3sitos e montantes de constru\u00e7\u00e3o<\/h4>\n\n\n\n

Exchange of contracts is when the transaction becomes legally binding<\/a>. At this stage the developers will require 10% of the purchase price to be paid<\/a> to their solicitors. Certain developers may require further deposits or staged payments to assist with the construction of the development, this will be specified in the contract. Moreover, more often than not the contract will specify that these sums will be held as \u201cagent\u201d. This means that as soon as the developer\u2019s solicitors receive the monies they are able to release them to the developer<\/a>. As you will be entering into a legally binding transaction so far in advance of completion, a lot of things can happen in that period of time. For instance, the developers may become insolvent and go into liquidation. Therefore, it is important that your solicitor understands the risks and takes<\/a> steps to protect your position especially in relation to the deposit you have in essence advanced to the developers.<\/p>\n\n\n\n

Usually the New Build Warranty<\/a> Provider will act as a deposit guarantee should the developers fail to complete because they are in liquidation or by reason of fraud. However, the New Build Warranty Provider will only usually guarantee a maximum of 10% of the purchase price or \u00a3100,000 (whichever is lower). Therefore when agreeing to pay further deposits or construction sums, which are not protected, you should consider the size and reputation of the developer before agreeing to them.<\/p>\n\n\n\n

Atribui\u00e7\u00f5es<\/h4>\n\n\n\n

Some investors may wish to sell the benefit of the contract to someone else before the property has been completed. This can be an attractive option as you will be able to take away the profit made on the transaction and the original deposit (and any construction sums paid) up to that point. Moreover, you avoid paying Stamp Duty and HM Land Registry Fees. However, if this is your intention<\/a> it is important that the contract allows you to do so.<\/p>\n\n\n\n

As a seller in an assignment, it is important to note that just because the transaction has completed you do not fall out of the picture. Should your buyer fail to complete then the developers can look to you to complete the transaction and you will be responsible for any default<\/a> interest and notice fees. Practically speaking this may be unlikely as the developer will just retain the deposit paid and remarket the property. As a buyer, it is difficult to obtain mortgage finan\u00e7as<\/a> on an assignment and very few lenders offer on these transactions. Therefore, more often than not a buyer will usually be financing the purchase through cash, which of course also restricts the potential market the seller can sell to.<\/p>\n\n\n\n

Cr\u00e9dito hipotec\u00e1rio<\/h4>\n\n\n\n

\u00c9 bastante comum que o comprador proceda \u00e0 troca sem o benef\u00edcio de uma oferta de hipoteca. Isto deve-se ao facto de a data de conclus\u00e3o ser muito pr\u00f3xima e as ofertas de hipoteca expirarem normalmente antes dessa data. A maioria das entidades financiadoras tem ofertas que permanecem v\u00e1lidas at\u00e9 6 meses, pelo que seria prudente come\u00e7ar a candidatar-se nessa altura. O melhor \u00e9 falar com o seu consultor financeiro, que o poder\u00e1 aconselhar melhor.<\/p>\n\n\n\n

Existe um elemento de risco, na medida em que se comprometeu com uma transa\u00e7\u00e3o juridicamente vinculativa sem qualquer garantia de que ter\u00e1 o financiamento assegurado no momento da conclus\u00e3o. \u00c9 claro que as circunst\u00e2ncias pessoais podem mudar e ser\u00e1 importante falar com um consultor financeiro independente que poder\u00e1 dar-lhe uma ideia da melhor forma de financiar a compra.<\/p>\n\n\n\n

Assim que o promotor enviar o aviso de conclus\u00e3o, ter\u00e1 de concluir a compra e garantir que tem uma oferta de hipoteca v\u00e1lida no momento da conclus\u00e3o.<\/p>\n\n\n\n

Conclus\u00e3o com aviso pr\u00e9vio<\/h4>\n\n\n\n

Esta \u00e9 a notifica\u00e7\u00e3o que o advogado do promotor envia aos seus advogados a confirmar que a propriedade est\u00e1 pronta. Normalmente, o contrato estipula que ter\u00e1 cerca de 10 dias \u00fateis para organizar os seus assuntos financeiros e para que o seu advogado efectue as pesquisas pr\u00e9vias necess\u00e1rias para a conclus\u00e3o do contrato.<\/p>\n\n\n\n

Upon completion you will need to provide the balance of the purchase price less any reservation fee, deposit and further deposits you have paid up to date. Included in these sums are usually any engrossment fees (a fee for the developers solicitors producing the final form lease<\/a> or transfer), a first contribution towards service charge and a proportion of ground rent attributable to your period of ownership.<\/p>\n\n\n\n

Datas de paragem prolongada<\/h4>\n\n\n\n

This is a date in the contract built in to protect both the buyer and the developer. On the one hand, the developer cannot guarantee exactly when the property will be completed and at the offset can only give as estimated time scale (anticipated legal completion date) as to when they think the property will be ready. They will be relying on contractors who may not deliver and the weather in this country may also cause delays<\/a> in construction. Therefore the developers will want to include this date into the contract to protect them against any unforeseen delays. On the other hand, a buyer will not want to be left in limbo, bound to a contract with no deadline in which the developer must complete the build by. If the developers are adhering to the Consumer Code for Home Builders, the longstop date in the contract will usually be 12 months from the anticipated legal completion date. There will be little or no room to negotiate the longstop date in the contract for the reasons listed above, but should the developers not serve the completion notice by this date then you will have the option to cancel the contract and any deposits and further deposits paid will be returned to you.<\/p>\n\n\n\n

Should you have any questions about<\/a> this, or any assunto<\/a> in relation to new build property, please contact<\/a>\u00a0Berivan Erdogan at B.Erdogan@rfblegal.co.uk<\/a>.<\/p>\n\n\n\n

<\/p>\n\n\n\n

(Aten\u00e7\u00e3o:<\/strong> This article was originally published on our previous website and is provided for general information purposes only. While it reflects the legal position at the time of writing, the law may have changed since publication. For up-to-date advice tailored to your circumstances, please contact our team<\/a>.)<\/em><\/p>\n\n\n\n

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