• ACCREDITING: That that grants to somebody a credit, a loan.
• ALIENATED PROPERTY : It is called like this the property that is not still completely paid off by the buyer.
• ALIENATION TRUSTEE: Is the transfer of a very movable or immobile of the debtor for the creditor, in warranty of the payment of the debt. The debtor is with the direct ownership of the good, for his/her use, and the creditor stops the indirect ownership of the good, that is in his/her domain. After paying off the loan, the buyer acquires the definitive property of the good.
• AMERICAN KITCHEN : Kitchen with opening for living room and/or to have dinner, usually delimited just by a counter.
• AMORTIZATION : Payment accomplished to abate/reduce a debt. In the financings in general, the amortization is made by one of the portions that compose the installments.
• ASSOCIATIVE CREDIT : Credit modality with resources of Fund of Warranty of Time of Service (FGTS), with taxes more drops of the market, destined to the financing of popular houses.

• BE INHABITED : Authorization given by the city hall so that she can occupy and to use an immobile one recently-built or reformed. The authorization is only emitted after the property was inspected by district attorney of works, that they compare the construction with the approved project, and of public (fire brigade, light companies, gas, water and sewers) services.
• BOOKS DEFINITIVE : Juridical action, cultivated at Registry Office, in that the salesperson transmits to the buyer the ownership and property domain, when integrated the price. It is necessary that the definitive deed is registered the Service of Registration of Properties of the district of the property close to for the property is transferred regularly.
• BREACH OF CONTRACT : Noncompliance of an obligation, as the payment of debts and real estate installments.
• BROKERAGE : the same as Commission. It is the realtor's remuneration.
• BUILDING: Responsible Company for the construction certain enterprise.

• CAUTION : Warranty given with titles or things of value, besides money, that certain contractual debt, as real estate financing or rent, be paid.
• CERTIFICATE: Document sent by a registry office that guarantees to be certain correct registration, as the one of a property. The certificates can be asked for by anybody, by the payment of a tax.
• CERTIFICATE OF REGISTRATION OF IMMOBILE : Document sent by a Registry office of Registration of Properties, that guarantees to be certain correct registration. The certificate can be requested by anybody, by payment of a tax.
• CESSIONARY : Person to who is transferred, through cession, rights and/or obligations.
• CITY HALL’S TOTAL AREA : Saint the sum of the areas that you/they understand the computable area and the area certain no-computable construction.
• CODE OF DEFENSE OF THE CONSUMER: Defined for the law n.º 8.078, of 11/09/1990. Tend to protect the consumer's rights. The law establishes as fundamental beginnings the nullity of abusive terms, the facilitation of the defense, the period of reflection and the responsibility of the supplier for addiction of the product or service.
• COMMITMENT OF PURCHASE AND SALE : Is the contract among two parts in that the salesperson commits to sell his good (immobile or piece of furniture) and the buyer commits to buy it in the right conditions. It is also called purchase contract and sale or purchase promise and sale.
• COMMOM AREA : Area of a condominium that can be used by all of the residents, as the corridors, the entrance hall, the entrance, the living room of parties and the leisure places. Also called by area of common use.
• COMPROMISING OF INCOME : Percentile maximum of incomes that the candidate to a financing can commit monthly in the installment.
• CONDOMINIAL ADMINISTRATOR: Company that renders services of administration of properties in condominium. Among the services that it renders they are included support to the I investigate of the condominium in legal and administrative terms, besides aiding in the administration of personal.
• CONDOMINIUM : Building or group of houses that it forms a whole and it divides the common expenses. Condominium is also the usual way to refer to the tax or condominium responsibility. The condominium tax results of the sharing of the common expenses in a division in agreement with the proportions, or it quotes, of each immobile one, as the water and the electric power used in the common areas, the employees' wage and the maintenance of elevators.
• CONSTRUCTION AREA : Is the sum of the areas, included walls and floors, covered or no, of all of the pavements of a construction.
• CONTRACT OF PROMISE OF PURCHASE AND SALE: Negotiate for which the proprietor of a good assumes the commitment of selling it to the other contracting party, that, for his time, he commits to buy it in the period and price stipulated.
• CONTRACT OF PURCHASE AND SALE : Negotiate in that they are agreed on the purchase conditions and sale of a property, for instance. Document for which the salesperson assumes an obligation to transfer the domain of certain very to the buyer, in the price, period and other adjusted conditions.
• CONVENTION OF THE CONDOMINIUM : Social negotiate of the condominium, that should be approved in assembly for at least 2/3 of the joint owners. Juridical document that establishes the coexistence norms among the joint owners, as well as the use form of use of the areas of exclusive and common use, among other aspects.
• CREA: Regional Council of Engineering, Architecture and Agronomy.
• CRECI : Regional Council of Realtors

• DEBIT BALANCE : Part that remains pay of a debt. In the real estate financings, it is readjusted monthly in agreement with the index and the interest tax stipulated in contract.
• DELIVERY : Act of giving to the buyers of the units certain enterprise their respective private and common areas. To formalize the delivery, he also gets used to take place the assembly of condominium installation.
• DEPRECIATION : Loss of the value previous of market of a property or land. The depreciation can happen in function of several factors, as bad use and lack of conservation of the good, socioeconomic degradation and deficiency of public investments in the area in that the property or land is located, it lacks of attractions for new real estate projects and other private investments, unfavorable moment of the economical activity of the country, among others.
• DESCRIPTIVE MEMORIAL : The same as Memorial of finish.
• DIRECT FINANCING WITH INCORPORATOR : Payment form in the property acquisition in that the own incorporator grants financing to the buyer.
• DIVISION INTO LOTS : Division of the earth in lots, with opening demand or prolongation of public roads.
• DRY WALL : Constructive element used for closing of atmospheres, mainly as internal dividing walls. Composed of covered metallic structure on both sides with plaster in boards, the plates of dry wall have acting satisfactory in resistance terms and acoustic isolation. In relation to the masonry walls, it presents larger flexibility for electric facilities, fast (prefabricated plates) placement and cleaning in the work, among other advantages.

• FACADE : Any of the external walls of a construction. The term is used to designate the front or main face, that goes back to the street.
• FACADE PRE-MANUFACTURED : Facade in concrete prefabricated with final finish on the two sides ready for installation.
• FGTS (FUND OF WARRANTY OF THE TIME OF SERVICE) : Open savings account for the employer on behalf of the employee. Every month, the employer deposits in her 8% of his employee's wage. That bill yields 3% a year, more the monthly variation of TR. The balance can be rescued by the employee if it be dismissed or he wants to finance the own house for SFH.
• FINACIAL AGENT: Company public or private that is part of the Sistema Financeiro Nacional (National Financial System) and that it collects, intermediate and it applies financial resources their or of other, with authorization of the Banco Central do Brasil (Central Bank of Brazil).
• FUND OF RESERVATION : Resources deposited in a specific bill of the condominium, that can be mobilized for accomplishment of works of ordinary and extraordinary conservation, as well as execution of improvements in the parts common of the building or condominium.

• GENERAL ASSEMBLY : Meeting of the joint owners of a building, with line previously established, when general subjects of interest of the condominium are discussed. The approved decisions in assembly become obligatory for all of the proprietors.
• GOURMET SITE : Ambient of common use in the condominium, destined to receive the residents' guests in parties, meetings and receptions.
• GUARANTEE: Act or contract that gives to the creditor a payment safety, that is executed by promise of third, or guarantor, that takes the responsibility partially called or totally for the execution of the main obligation under the responsibility of the debtor, in case this don’t honors.
• GUARANTEE BY AVAL: Warranty personal, full and solidary, assuring the payment of a title, promissory note, check or copy.
• GUARANTOR: Person that assumes the duties (rents, taxes, fines and correction) of other, when this stops accomplishing them.

• HABITATIONAL CREDIT: Loan granted by the financial institutions to buy, to build, to reform or to finance own house.
• HEATSTROKE : Act or insolate effect. Amount of sun’s radiation that happens on a surface or atmosphere due to his position.
• HYPOTHETICAL WALLET (CH): Line of housing credit created by president Getúlio Vargas in 1936, today it possesses financing rules, period of payment and interest taxes defined by the financial institutions.

• IDEAL FRACTION: Coefficient or percentile of participation in the relative land to the autonomous unit.
• IGPM - General Index of the Prices: Market, made calculations and published by the Fundação Getúlio Vargas. In the purchase contracts and sale of immobile, for instance, IGP-M is an index that can be used for monetary updating, mainly after the conclusion of the works.
• IMMOBILE IN THE PLANT : Name given to the property marketed in the release phase, in other words, before the beginning of his construction.
• IMPLANTATION : Geometric representation with the demarcation of the areas to be built, as well as the disposition of the external elements, as squares, gardens, blocks and other spaces foreseen in a land, according to the architectural project.
• IMPROVEMENT : Works or repairs accomplished in a property to improve his/her state, to beautify him/it or to solve a problem.
• INCC : National Index of Cost of the Building site, made calculations and published by the Fundação Getúlio Vargas.
• INCORPORATER : Person/company that hires the construction of properties (apartments or houses) in condominium system and sells them before even in installments of they be ready, committing inside for contract to give them of period and conditions determined.
• INDEXATION : Used to update the value of the coin and his purchase power, with base in select inflation index in the period. The indexation seeks to compensate the effects of the inflation.
• INDEXER: Indicator of the variation of the purchasing power of the coin, used to correct monetarily certain value.
• INDEX OF READJUSTMENT : Index made a pact in contract, usually a price indexes, for monetary updating of the values involved in the same. The chosen index for readjustment is that turns the proportionate values to the elevation of the cost of living.
• INTEREST IN DEFERRED PAYMENTE: Interest collected as fine because of it lives her - it is long, delay - in the payment of a debt. They are collected a day of retardation, sometimes independently of the application of other percentile fixed of fine. For instance: 10% after the expiration more interest of it lives from 0,3% a day.
• INTERESTS : Rates percentile that is collected periodically on a value and it constitutes the profit of the employed capital, as in loans, or it is paid on a deposited value, as in bank investments.
• IPTU : With different names according to the municipal district of the country, Domestic rates and Territorial Urban, Tax on the Property Urban and other Property and Territorial variations, it is a tax based in the venal value of the property collected of the proprietors by the city hall.

• LEGAL REGISTRATION : Annotation done by the Registry office of Registration of Properties of any alteration that concerns the proprietor (subjective call) or the property (objective), as the change in the owner's marital status or in the name of the street of the property.
• LETTER OF CREDIT : Document that grants to somebody the loan of certain amount. Be worth for 30 days, sometimes postponable.
• LOFT: Type of apartment or house with differentiated plant, where the spaces are open and integrated, almost without walls that delimit a room.
• LOUNGE: Living room or atmosphere of being destined to the social coexistence, accomplishment of encounters, meetings and other events.

• MIRROR OF WATER : Sheet of water or lake of small depth, that it integrates a landscape group.
• MODEL: Miniature produced with the exact characteristics of the architectural project. It is destined to give to the buyers a vision of what will be the enterprise after ready.
• MULTI SPORTIVE’S SQUARE: Squares with painted floor with the demarcation for the practice of several sports, as soccer, basketball and volleyball.

• NO-COMPUTABLE ÁERA : It Adds of the several areas that don't enter in the calculation of the maximum area of construction allowed in certain land (computable area), but nevertheless it should be considered in the total area.

• PAYMENT COMISSION: Form received by the realtor, as middleman in the real estate transaction.
• PERMIT: Document emitted by competent public organ with authorization for incorporation and/or construction of architectural project.
• PLANTS’S OPTION : Plants that differs in some or some details regarding the basic plant of the units certain enterprise. The private area doesn't lose temper, but the type, disposition and size of the atmospheres can vary according to the plant option.
• PRE-MANUFACTURE MASONRY : Use of walls in masonry prefabricated that can be done in the work stonemason or in a hangar. The walls arrive to the work with I tow on the two sides and already with the electric and hydraulic facilities.
• PRE-RELEASE : Previous phase to the official release of a real estate project, just published a restricted public. In the pre-release the units are not still for sale, but these invited customers can reserve units for future purchase.
• PRIVATE AREA : Area of a property on which the proprietor has total domain, delimited by the surface expresses of the walls.
• PROOF OF INCOME : Demand of the financial institution that the candidate to financing proves with documents (against-check, work wallet, declaration of the Income tax) that it wins enough to arch with the installments.

• REAL ESTATE : Company of the real estate segment with performance in the purchase area, sale and lease of immobile.
• REAL ESTATE CONSULTANT (ESTATE AGENT, REALTOR) : Professional of the area of sales of the real estate segment that stops enough knowledge to develop a relationship for-assets with the customers. Besides the demand of being accredited realtor, it is necessary that the real estate consultant has a global vision of the market.
• REAL ESTATE FINANCING : Loan granted by financial institutions to finance the construction, the reform or the purchase of a property.
• REAL ESTATE INCORPORATION : Act or effect of to incorporate or to undertake a real estate project. Group of activities through which it is possible a company or natural person to build a construction, promoting the total alienation or partially of the autonomous units that compose her. I process that allows the legal commercialization of a construction that is still in the plant or in construction phase.
• REALTOR: Professional responsible for the work of the salesperson's approach and buyer in a real estate transaction. The qualified broker to exercise the intermediate functions in the commercialization of properties should be enrolled in CRECI (Regional Council of Realtors).
• RECORD : Registration of the discussions and decisions taken by an assembly, as the one of condominium.
• RECREATIONAL SQUARES : Square destined to the recreation, being able to or not to have his/her painted floor with the demarcation for games.
• REGISTRATION OF PROPERTIES : Registration of the relative document to the property of a property in the competent registration, so that the property right has legal validity. The Registration of Properties is the document that takes place all of the changes, alterations and extinctions of the rights regarding the property, with character of authenticity. It is a document, that, besides establishing the property right, it registers the complete report of the property. Special registry office where are practiced from the relative actions to the constitution, declaration, transfer or extinction of real rights on the properties.
• REGISTRY OFFICE OF REGISTRATION OF IMMOBILE : Organ where all the properties certain area are registered. There they are the information regarding each immobile one, his registration, his location, his owner, his juridical situation, his report and all of the modifications why passed.
• REGISTRY OFFICE OF TITLES AND NOTES : Entity deprived with public recognition that keeps titles and documents, makes public registrations and it cultivates (write) contracts.
• RESCISSION : Breaking or annulment of a contract.
• RESIDUAL BALANCE: It is what remains the more or the less than a debt when due the contracted period. If the balance is negative, the borrower paid the more and it should receive the amount back. If positive, the borrower paid the minus, for calculation mistakes, and it still owes the creditor.

• SERVICE AREA : Is the name given to the part of the apartments destined to the laundry. Almost always, it is located close of the kitchen, of the employee’s dependences and of the service entrance.
• SOLAR HEATING : Consists in the placement of solar panels to provide the heating or pre-heating of the waters of showers, reducing like this the electric power consumption considerably.
• SQUARE METER : Main unit (m2) of area (surface) measure and unit-pattern of the International System of Units.
• STAND OF SALES: Built place or usually set up in the land in that a real estate enterprise will be built, where consultants receive and they guide the interested parties in the business. The stand of sales frequently bill with model of the project, plants of the private and common areas and, in some cases, an apartment model decorated mounted in the place for the visitors to have the exact notion of the characteristics of the product that it is being marketed.
• STONEMASON OF WORK: Group of temporary facilities of a work, where they take place the auxiliary services to the construction. The construction site can shelter deposits, lodgings, bathrooms and workshops.
• SUBFLOOR : Mortar coping of a wall to level floors, on which the definitive covering is applied.

• TAX OF CONDOMINIUM : Expense pays for each joint owner starting from the sharing of the monthly forecast of common expenses in the condominium. The tax is collected of each joint owner proportionally to ideal fraction of land.
• TENANT : Person that rents a property and pays the rent and other taxes. Also call renter.
• TOTAL AREA: Sum of the private area of the autonomous unit with the area common of proportional division among the joint owners.
• TOTAL BUILD AREA: Area covered with a construction. They are just excluded the areas of wells, emptiness and some saliencies, as marquees, except for the area of the well of the elevator, that should be considered in the calculation of the built area of a single walk.

• USEFUL AREA: Sum of the internal areas of each room of the property, of wall the wall, unassuming his thickness. In the past it was called by “broom area”.

• VGV - General Value of Sales : Made calculations through the sum of the unitary price of sale of all of the thrown units.

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