The intention to purchase property in Brazil reached 52% of families in 2026, even with the Selic rate at 13.75% per year. It is the highest index in the historical series of Brain Intelligence Estratégica, a reference company in research, data and market intelligence for the Brazilian real estate sector. In 2025, the rate was 49%. According to the survey, 86% of respondents want to buy to live. Among the reasons, leaving the rent leads, with 37%, followed by leaving the parents' home, with 15%. Among those who want to buy, 40% are looking for an apartment.
The family of Edilaine Mendes Vilela Rudnik and Luciano Rudnik already lives in their own property, measuring around 80 m², in Gleba Palhano, but dreamed of a larger apartment, over 110 m², with three suites, a separate balcony from the living room, and in the same region. The opportunity to upgrade came this year, when they were introduced to one of Vectra's products in the neighborhood. "It was love at first sight! The project brought together everything we were looking for, was within our budget and seemed to have been made for us", he reveals.
She says she lives on the same street where the building will be built and her family really likes the area, mainly due to its location, proximity to the highway and ease of access. In addition, the building offers floor plans from 134 m² to 139 m², three suites and two parking spaces. For her, one of the main advantages of buying off-plan is being able to pay for a large part of the property while it is being built. “We are experiencing the sweet wait for the delivery of our apartment, very happy to see another dream taking shape”, he celebrates.
Economist Ieda Vasconcelos states that for the public who can wait for delivery, buying off-plan is better both in a scenario of high interest rates and stable interest rates. Ieda explains that the price of properties being launched tends to be lower than those ready to move in, which appreciates in value after the works are completed. But, in addition to getting a better deal, there are other benefits of choosing an apartment that is yet to be built. The economist cites, for example, the possibility of customization during the execution of works, offered by some construction companies.
"Planning is fundamental. To buy, you need to have the down payment and be able to pay for the construction company", he says. Specialist in macroeconomic trends focused on the real estate market, Ieda recommends that buyers carry out simulations at banks to understand the value of the portion of financing they will assume in the future. Another important point before purchasing is to evaluate the developer's credibility in the market and carefully read the contract, checking the unit and parking spaces chosen, as well as the negotiated payment conditions.
The only situation in which purchasing off plan is not an option is when the buyer needs to move immediately. It must be considered that, in the case of a ready-made property, it is necessary to pay at least 20% of the value of the apartment at the time of purchase, that is, there is less flexibility in relation to payment. Vectra's sales manager, Cristiano Perri, states that this entry period is extended for those who purchase at the plant. In this case, the future resident has the construction period, which can vary from three to four years, to pay off around 45% of the value, and only then seek real estate financing.
This is also an advantage for the investor who does not want to decapitalize, offering a very high entry value, and who is careful in analyzing the long-term return on investment. Perri explains that launches are placed on the market with “table zero”, that is, the minimum values that will be sold per unit of that project compared to ready-made properties in the same region. “There is an appreciation of the units, from the launch until the date of delivery, which is around 8% to 10% per year”, he points out.
