{"id":9370,"date":"2026-10-15T15:30:08","date_gmt":"2026-10-15T15:30:08","guid":{"rendered":"https:\/\/ceniconstrucoes.com.br\/wp\/guias\/cessao-de-direitos-imovel-na-planta\/"},"modified":"2026-10-19T15:22:38","modified_gmt":"2026-10-19T15:22:38","slug":"cessao-de-direitos-imovel-na-planta","status":"publish","type":"page","link":"https:\/\/ceniconstrucoes.com.br\/wp\/guias\/cessao-de-direitos-imovel-na-planta\/","title":{"rendered":"Cess\u00e3o de direitos de im\u00f3vel na planta: como revender antes da entrega"},"content":{"rendered":"\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=DM+Sans:opsz,wght@9..40,400;9..40,500;9..40,700;9..40,800&amp;family=Newsreader:ital,opsz,wght@0,6..72,400;0,6..72,500;1,6..72,400;1,6..72,500&amp;display=swap\" rel=\"stylesheet\"\/>\n<style>:root {\n    --navy: #0B1F3A; --navy-2: #14304F;\n    --ink: #111A26; --muted: #5A6876; --line: #DCE1E6;\n    --paper: #FFFFFF; --stone: #F3F5F7; --sand: #ECE6DC;\n    --accent: #1C6E8C; --accent-soft: #E4F0F5; 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text-transform: uppercase; font-weight: 700; color: var(--accent); }\n.ceni-site .btn { display: inline-flex; align-items: center; gap: 9px; padding: 13px 20px; border-radius: 4px; font-weight: 700; font-size: 15px; white-space: nowrap; border: 1.5px solid transparent; }\n.ceni-site .btn-wa { background: var(--wa); color: var(--wa-ink); }\n.ceni-site .btn-wa svg { width: 17px; height: 17px; fill: currentColor; }\n.ceni-site .btn-line { border-color: var(--navy); color: var(--navy); }\n.ceni-site .btn-light { border-color: rgba(255,255,255,.55); color: #fff; }\n@media (prefers-reduced-motion: no-preference) {.ceni-site .btn { transition: transform .15s ease; }\n.ceni-site .btn:hover { transform: translateY(-1px); }\n }\n.ceni-site .header { position: sticky; top: 0; z-index: 30; background: #FFFFFF; border-bottom: 1px solid var(--line); }\n.ceni-site .header .wrap { display: flex; align-items: center; gap: 22px; height: 72px; }\n.ceni-site .header .logo { display: inline-flex; align-items: center; padding: 6px 0; }\n.ceni-site .header .logo img { height: 34px; width: auto; }\n.ceni-site .nav { display: flex; gap: 18px; font-size: 14px; font-weight: 500; color: var(--muted); margin-left: 6px; white-space: nowrap; }\n.ceni-site .nav a.on, .ceni-site .nav a:hover { color: var(--ink); }\n.ceni-site .lang { margin-left: auto; display: inline-flex; border: 1px solid var(--line); border-radius: 4px; overflow: hidden; font-size: 12px; font-weight: 700; letter-spacing: .06em; }\n.ceni-site .lang a, .ceni-site .lang span { display: inline-block; padding: 6px 10px; color: var(--muted); font-weight: 700; }\n.ceni-site .lang a.on, .ceni-site .lang span.on { background: var(--navy); color: #fff; }\n.ceni-site .header .btn-wa { padding: 10px 16px; font-size: 14px; }\n@media (max-width: 560px) {.ceni-site .header .btn-wa span { display: none; }\n.ceni-site .header .btn-wa { padding: 10px 12px; }\n }\n.ceni-site .guide-head { background: var(--stone); border-bottom: 1px solid var(--line); }\n.ceni-site .guide-head .wrap { padding-block: 26px 34px; max-width: 1180px; }\n.ceni-site .crumbs { display: flex; flex-wrap: wrap; gap: 8px; font-size: 13px; color: var(--muted); }\n.ceni-site .crumbs a:hover { color: var(--ink); }\n.ceni-site .guide-head .eyebrow { margin-top: 22px; }\n.ceni-site .guide-head h1 { font-size: clamp(30px, 4.2vw, 50px); line-height: 1.08; max-width: 22ch; margin-top: 12px; }\n.ceni-site .meta { display: flex; flex-wrap: wrap; gap: 8px 22px; margin-top: 18px; font-size: 13.5px; color: var(--muted); }\n.ceni-site .meta b { color: var(--ink); font-weight: 500; }\n.ceni-site .meta .chk { color: var(--ok); font-weight: 700; }\n.ceni-site .layout { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: clamp(28px, 5vw, 72px); padding-block: clamp(36px, 5vw, 64px) 40px; }\n.ceni-site .layout > * { min-width: 0; }\n@media (max-width: 960px) {.ceni-site .layout { grid-template-columns: 1fr; }\n }\n.ceni-site article { max-width: 66ch; }\n.ceni-site article h2 { font-size: clamp(24px, 2.6vw, 31px); line-height: 1.15; 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}\n.ceni-site .rv.from-r { transform: translateX(44px); }\n@media (max-width: 560px) {.ceni-site .rv.from-l { transform: translateX(-24px); }\n.ceni-site .rv.from-r { transform: translateX(24px); }\n }\n.ceni-site .rv.from-b { transform: translateY(28px); }\n.ceni-site .card.rv { transition-duration: .85s; transition-timing-function: cubic-bezier(.2,.7,.2,1); }\n.ceni-site #obras { overflow-x: hidden; overflow-x: clip; }\n.ceni-site .rv.in { opacity: 1; transform: none; }\n\n  }\n.ceni-site .related .rel { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }\n.ceni-site .related .rel li { border: 0; padding: 0; display: block; }\n.ceni-site .related .rel a { display: grid; grid-template-columns: 96px 1fr; gap: 12px; align-items: center; border: 1px solid var(--line); background: var(--paper); padding: 10px; color: var(--ink); text-decoration: none; }\n.ceni-site .related .rel a .ph { width: 96px; height: 72px; overflow: hidden; 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right: 0; z-index: 120 !important; background: transparent !important; border-bottom: 0 !important; box-shadow: none !important; padding: 14px 16px 0; }\n.ceni-site .header .wrap { background: #FFFFFF; border: 1px solid rgba(1,16,61,.10); border-radius: 18px; padding-inline: 18px; height: 68px; box-shadow: 0 6px 24px rgba(1,16,61,.10); }\n.ceni-site .header .lang { border-radius: 10px; }\n.ceni-site .header .burger { border-radius: 10px !important; }\n@media (min-width: 1181px) {.ceni-site .header .wrap { width: fit-content; max-width: calc(100% - 40px); gap: 34px; padding-inline: 22px; }\n.ceni-site .header .nav { margin: 0; gap: 28px; font-size: 15px; font-weight: 700; }\n.ceni-site .header .nav a { color: var(--ink) !important; }\n.ceni-site .header .nav a:hover, .ceni-site .header .nav a.on { color: var(--accent) !important; }\n.ceni-site .header .lang { margin-left: 0; }\n\n  }\n@media (max-width: 900px) {.ceni-site .header { padding: 10px 12px 0; }\n.ceni-site .header .wrap { border-radius: 14px; padding-inline: 12px; height: 60px; }\n }\n.ceni-site .header .nav .nav-cta { display: none; }\n@media (max-width: 1180px) {.ceni-site .header .wrap { position: relative; }\n.ceni-site .header.menu-open::before { content: \"\"; position: fixed; inset: 0; z-index: -1; background: rgba(1,16,61,.45); }\n.ceni-site .header.menu-open .nav { display: flex !important; flex-direction: column; gap: 0; position: absolute !important; left: 0 !important; right: 0 !important; top: calc(100% + 10px) !important; margin: 0 !important; padding: 8px 8px 12px !important; background: #FFFFFF !important; border: 0 !important; border-radius: 16px !important; box-shadow: 0 24px 60px rgba(1,16,61,.28), 0 2px 8px rgba(1,16,61,.08) !important; max-height: calc(100svh - 110px); overflow-y: auto; }\n.ceni-site .header.menu-open .nav a:not(.nav-cta) { display: flex !important; align-items: center; justify-content: space-between; padding: 15px 14px !important; font-size: 17px !important; font-weight: 700 !important; color: var(--ink) !important; border-top: 1px solid #EEF1F4 !important; }\n.ceni-site .header.menu-open .nav a:not(.nav-cta):first-child { border-top: 0 !important; }\n.ceni-site .header.menu-open .nav a:not(.nav-cta)::after { content: \"\u2192\"; font-weight: 400; color: var(--accent); }\n.ceni-site .header.menu-open .nav a.nav-cta { display: flex !important; align-items: center; justify-content: center; gap: 10px; margin: 10px 6px 0; padding: 15px 16px !important; border: 0 !important; border-radius: 12px; background: var(--wa); color: #FFFFFF !important; font-weight: 700; font-size: 15.5px; }\n.ceni-site .header.menu-open .nav a.nav-cta svg { width: 18px; height: 18px; fill: currentColor; flex: 0 0 auto; }\n\n  }\n.ceni-site .guide-head, .ceni-site .head, .ceni-site .act-head { padding-top: 92px; }\n@media (max-width: 900px) {.ceni-site .guide-head, .ceni-site .head, .ceni-site .act-head { padding-top: 74px; }\n }\n.ceni-site [id] { scroll-margin-top: 100px; }\n.ceni-site aside { top: 104px; }\n@media (max-height: 760px) {.ceni-site aside { position: static; }\n }\n.ceni-site .btn { border-radius: 12px; }\n.ceni-site .direct, .ceni-site .two > div, .ceni-site .tablewrap, .ceni-site .box, .ceni-site .cta-mid, .ceni-site .related .rel li > a[href], .ceni-site .wrap .grid > a.g, .ceni-site .wrap .nota-grid > a.nota { border-radius: 16px; }\n.ceni-site .direct, .ceni-site .box, .ceni-site .wrap .grid > a.g, .ceni-site .wrap .nota-grid > a.nota { overflow: hidden; }\n.ceni-site .related .rel a .ph { border-radius: 10px; }\n.ceni-site .box { border-color: var(--line); box-shadow: 0 6px 20px rgba(1,16,61,.05); }\n.ceni-site .box.navy { background: radial-gradient(120% 150% at 0% 0%, #0F3092 0%, #04175A 45%, #01103D 80%) !important; border: 0; }\n.ceni-site .cta-mid { background: var(--sand); }\n.ceni-site article .cta-end { background: radial-gradient(ellipse 80% 70% at 30% 20%, #0F3092 0%, #04175A 45%, #01103D 80%) !important; border-radius: 24px; overflow: hidden; padding: 34px 32px; }\n.ceni-site article .cta-end .pos { color: #E3C89C !important; opacity: 1 !important; }\n@media (max-width: 560px) {.ceni-site article .cta-end, .ceni-site article .cta-mid { padding: 24px 20px; }\n }\n.ceni-site .two h3, .ceni-site .two .care h3, .ceni-site .two.care h3 { color: var(--ink); }\n.ceni-site .two > .care { box-shadow: inset 0 3px 0 #C29A5B; }\n@media (max-width: 560px) {.ceni-site article .btn, .ceni-site aside .btn { white-space: normal; max-width: 100%; text-align: center; justify-content: center; line-height: 1.3; }\n.ceni-site article .cta-mid .btn, .ceni-site article .cta-end .btn { width: 100%; }\n\n  }\n.ceni-site .related .rel li { border: 0 !important; padding: 0 !important; display: block !important; background: none !important; }\n.ceni-site .related .rel { grid-template-columns: repeat(2, minmax(0, 1fr)); }\n@media (max-width: 640px) {.ceni-site .related .rel { grid-template-columns: minmax(0, 1fr); }\n }\n.ceni-site .related .rel li > a[href] { border: 1px solid var(--line) !important; background: #FFFFFF; box-shadow: 0 6px 20px rgba(1,16,61,.05); }\n.ceni-site .related .rel li > a.pilar[href] { border-color: var(--navy-2) !important; background: var(--accent-soft); }\n.ceni-site .float .btn-wa { width: 60px; height: 60px; padding: 0 !important; gap: 0; justify-content: center; border-radius: 50% !important; font-size: 0; box-shadow: 0 8px 24px rgba(0,0,0,.28); }\n.ceni-site .float .btn-wa span { display: none !important; }\n.ceni-site .float .btn-wa svg { width: 28px !important; height: 28px !important; }\n.ceni-site footer { background: #F6F6F6; border-top: 0 !important; }\n.ceni-site footer .legal { display: none !important; }\n@media (max-width: 640px) {.ceni-site footer { padding-bottom: 96px !important; }\n }\n.ceni-site .entregas ul { list-style: none; padding: 0; margin: 8px 0 0; display: grid; }\n.ceni-site .entregas li { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 2px 12px; align-items: center; padding: 12px 0; border-top: 1px solid var(--line); margin: 0; }\n.ceni-site .entregas li:first-child { border-top: 0; padding-top: 4px; }\n.ceni-site .entregas li b { font-size: 15px; color: var(--ink); line-height: 1.25; }\n.ceni-site .entregas li span { grid-column: 1; font-size: 13px; color: var(--muted); line-height: 1.35; }\n.ceni-site .entregas li strong { grid-column: 2; grid-row: 1 \/ span 2; font-size: 24px; font-weight: 800; color: var(--navy-2) !important; letter-spacing: -.02em; font-variant-numeric: tabular-nums; }\n.ceni-site .box.entregas .ref { margin: 10px 0 0; font-size: 14px; color: var(--ink); font-weight: 500; }\n.ceni-site .box.entregas .fonte { margin: 8px 0 0; font-size: 12px; color: var(--muted); line-height: 1.45; }\n.ceni-site .wrap .grid > a.g, .ceni-site .wrap .grid > a.g.live { border: 1px solid var(--line) !important; background: #FFFFFF; box-shadow: 0 6px 20px rgba(1,16,61,.06) !important; }\n.ceni-site .wrap .nota-grid > a.nota[href] { border: 1px solid var(--line) !important; box-shadow: 0 6px 20px rgba(1,16,61,.06); }\n.ceni-site .g .go, .ceni-site .nota .go { color: var(--accent); }\n.ceni-site .sec-head h2 { font-size: 24px; }\n@media (max-width: 560px) {.ceni-site .wrap > section > .grid { grid-template-columns: none; grid-auto-flow: column; grid-auto-columns: 84%; overflow-x: auto; scroll-snap-type: x mandatory; margin-inline: -16px; padding: 4px 16px 16px; scroll-padding-inline: 16px; gap: 12px; scrollbar-width: none; }\n.ceni-site .wrap > section > .grid::-webkit-scrollbar { display: none; }\n.ceni-site .wrap > section > .grid > .g { scroll-snap-align: start; }\n.ceni-site .wrap > section > .grid > .g.rv { opacity: 1 !important; transform: none !important; }\n\n  }\n:root {\n    --noite: #01103D; --noite-2: #04175A; --profundo: #0F3092; --royal: #1141D8; --royal-claro: #3B6DF0;\n    --ouro: #D1AE79; --ouro-2: #C29A5B; --ouro-claro: #E3C89C;\n    --cinza: #F6F6F6; --cinza-2: #E8EAF0; --wa-2: #187A4C;\n  }\n@media (min-width: 1400px) {.ceni-site .wrap { width: min(1180px, 100% - 13vw); }\n }\n.ceni-site .num { font-variant-numeric: tabular-nums; }\n.ceni-site .serif { font-family: \"Newsreader\", Georgia, serif !important; font-style: italic; font-weight: 400; letter-spacing: 0; }\n.ceni-site .btn { justify-content: center; line-height: 1.25; }\n.ceni-site .btn-wa { box-shadow: 0 10px 26px rgba(30,142,90,.28); }\n.ceni-site .btn-wa:hover { background: var(--wa-2); }\n.ceni-site .btn-wa svg { width: 19px; height: 19px; flex: 0 0 auto; }\n.ceni-site .btn-ghost { border: 1.5px solid rgba(255,255,255,.42); color: #fff; background: transparent; }\n.ceni-site .btn-ghost:hover { border-color: #fff; }\n.ceni-site .btn-big { padding: 17px 26px; font-size: 16.5px; }\n.ceni-site .on-dark .eyebrow, .ceni-site .eyebrow.ouro { color: var(--ouro) !important; }\n.ceni-site .on-dark .src { color: rgba(255,255,255,.6); }\n.ceni-site .float { transition: opacity .25s ease, transform .25s ease; z-index: 90; }\n.ceni-site .float.fora { opacity: 0; transform: translateY(20px); pointer-events: none; }\n.ceni-site .familia { display: grid; grid-template-columns: auto 1fr; gap: 18px 22px; align-items: center; }\n.ceni-site .familia .rostos { display: flex; }\n.ceni-site .familia .rostos img { width: 58px; height: 58px; border-radius: 50%; object-fit: cover; object-position: 50% 22%; border: 2px solid var(--ouro); margin-left: -12px; background: #0F3092; }\n.ceni-site .familia .rostos img:first-child { margin-left: 0; }\n.ceni-site .familia > div > b { display: block; font-size: 16px; }\n.ceni-site .g-hero { position: relative; background: radial-gradient(ellipse 75% 90% at 18% 10%, #0F3092 0%, #04175A 42%, #01103D 78%); color: #fff; padding: 118px 0 54px; overflow: hidden; }\n.ceni-site .g-hero::after { content: \"\"; position: absolute; left: 0; right: 0; bottom: 0; height: 1px; background: linear-gradient(90deg, transparent, rgba(209,174,121,.5), transparent); }\n.ceni-site .g-hero .wrap { display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(0, .92fr); gap: clamp(28px, 4.5vw, 64px); align-items: center; }\n.ceni-site .g-hero .crumbs { display: flex; flex-wrap: wrap; gap: 8px; font-size: 13px; color: rgba(255,255,255,.62); }\n.ceni-site .g-hero .crumbs a { color: rgba(255,255,255,.62); }\n.ceni-site .g-hero .crumbs a:hover { color: #fff; }\n.ceni-site .g-hero .eyebrow { margin-top: 18px; }\n.ceni-site .g-hero h1 { font-size: clamp(30px, 3.5vw, 50px); line-height: 1.05; font-weight: 800 !important; margin-top: 12px !important; max-width: 21ch; color: #fff; letter-spacing: -.028em; }\n.ceni-site .g-hero .promessa { margin-top: 18px; font-size: clamp(16.5px, 1.35vw, 19px); line-height: 1.5; color: rgba(255,255,255,.86); max-width: 50ch; }\n.ceni-site .g-hero .promessa b { color: #fff; }\n.ceni-site .g-hero .acts { margin-top: 24px; display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }\n.ceni-site .g-hero .meta { margin-top: 20px; display: flex; flex-wrap: wrap; gap: 6px 18px; font-size: 13px; color: rgba(255,255,255,.62); }\n.ceni-site .g-hero .meta b { color: #fff; font-weight: 500; }\n.ceni-site .g-hero .meta .chk { color: var(--ouro-claro); font-weight: 500; }\n.ceni-site .diptico { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }\n.ceni-site .diptico figure { margin: 0; position: relative; border-radius: 18px; overflow: hidden; aspect-ratio: 4 \/ 5.2; background: #04175A; box-shadow: 0 24px 60px rgba(0,0,0,.35); }\n.ceni-site .diptico figure img { width: 100%; height: 100%; object-fit: cover; }\n.ceni-site .diptico figure.pf img { filter: grayscale(.55) brightness(.8); object-position: 30% 50%; }\n.ceni-site .diptico figure.lt { transform: translateY(-18px); outline: 1px solid rgba(209,174,121,.55); outline-offset: -1px; }\n.ceni-site .diptico figcaption { position: absolute; left: 0; right: 0; bottom: 0; padding: 60px 16px 16px; background: linear-gradient(180deg, transparent, rgba(1,16,61,.94) 58%); color: #fff; }\n.ceni-site .diptico .tag { font-size: 11.5px; letter-spacing: .12em; text-transform: uppercase; font-weight: 700; color: rgba(255,255,255,.7); }\n.ceni-site .diptico strong { display: block; font-size: clamp(38px, 4.4vw, 60px); font-weight: 800; letter-spacing: -.04em; line-height: 1; margin-top: 6px; }\n.ceni-site .diptico .pf strong { color: #C9CFDF !important; }\n.ceni-site .diptico .lt strong { color: var(--ouro-claro) !important; }\n.ceni-site .diptico small { display: block; margin-top: 6px; font-size: 13px; color: rgba(255,255,255,.8); line-height: 1.35; }\n.ceni-site .diptico-fonte { grid-column: 1 \/ -1; font-size: 12px; color: rgba(255,255,255,.55); margin-top: 2px; line-height: 1.45; }\n.ceni-site .faixa { background: #fff; border-bottom: 1px solid var(--cinza-2); }\n.ceni-site .faixa .wrap { display: grid; grid-template-columns: repeat(5, 1fr); }\n.ceni-site .faixa .wrap > div { padding: 22px 16px 20px; border-right: 1px solid var(--cinza-2); }\n.ceni-site .faixa .wrap > div:last-child { border-right: 0; }\n.ceni-site .faixa strong { display: block; font-size: clamp(28px, 3vw, 40px); font-weight: 800; line-height: 1; color: var(--profundo) !important; letter-spacing: -.03em; }\n.ceni-site .faixa small { display: block; margin-top: 7px; font-size: 13px; color: var(--muted); line-height: 1.3; }\n.ceni-site .resp { padding-block: clamp(36px, 5vw, 64px) 0; }\n.ceni-site .resp .direct { position: relative; max-width: 940px; margin: 0; background: #fff; border: 1px solid var(--cinza-2); border-left: 1px solid var(--cinza-2); border-radius: 22px; padding: clamp(24px, 3vw, 38px) clamp(22px, 3.4vw, 44px); box-shadow: 0 18px 50px rgba(1,16,61,.08); overflow: hidden; }\n.ceni-site .resp .direct::before { content: \"\"; position: absolute; left: 0; top: 26px; bottom: 26px; width: 4px; border-radius: 0 4px 4px 0; background: var(--royal); }\n.ceni-site .resp .direct .lbl { display: inline-flex; align-items: center; gap: 8px; font-size: 12px !important; letter-spacing: .14em; text-transform: uppercase; font-weight: 700; color: var(--royal); margin-bottom: 12px; }\n.ceni-site .resp .direct .lbl::before { content: \"\"; width: 8px; height: 8px; border-radius: 50%; background: var(--royal); }\n.ceni-site .resp .direct p { font-family: \"DM Sans\", \"Helvetica Neue\", Arial, sans-serif !important; font-style: normal; font-size: clamp(17px, 1.45vw, 19.5px); line-height: 1.58; color: var(--ink); margin: 0; }\n.ceni-site .resp .direct p b { color: var(--profundo); }\n.ceni-site .resp .lead { max-width: 940px; margin-top: 22px; font-family: \"Newsreader\", Georgia, serif; font-style: italic; font-size: clamp(20px, 2vw, 25px); line-height: 1.4; color: var(--ink); }\n.ceni-site .resp .lead a { color: var(--royal); }\n.ceni-site .prova { margin-top: clamp(44px, 6vw, 80px); background: var(--noite); color: #fff; padding-block: clamp(48px, 6vw, 84px); position: relative; overflow: hidden; }\n.ceni-site .prova::before { content: \"\"; position: absolute; left: 0; right: 0; top: 0; bottom: 0; background: radial-gradient(ellipse 60% 70% at 85% 0%, rgba(17,65,216,.35), transparent 70%); pointer-events: none; }\n.ceni-site .prova .wrap { position: relative; }\n.ceni-site .prova .h2like { font-size: clamp(28px, 3.4vw, 46px); line-height: 1.08; font-weight: 700; letter-spacing: -.028em; margin-top: 12px; max-width: 22ch; color: #fff; }\n.ceni-site .prova .sub { margin-top: 14px; color: rgba(255,255,255,.78); max-width: 62ch; }\n.ceni-site .prova-grid { margin-top: 34px; display: grid; grid-template-columns: minmax(0, .95fr) minmax(0, 1.05fr); gap: 22px; align-items: stretch; }\n.ceni-site .prova-grid > div:last-child { display: flex; }\n.ceni-site .barras { background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.10); border-radius: 20px; padding: 24px 24px 18px; }\n.ceni-site .barras .tit { font-size: 13px; color: rgba(255,255,255,.66); margin-bottom: 14px; }\n.ceni-site .barras .tit b { color: #fff; }\n.ceni-site .barra { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 4px 12px; padding: 12px 0; border-top: 1px solid rgba(255,255,255,.08); }\n.ceni-site .barras .barra:first-of-type { border-top: 0; }\n.ceni-site .barra span { font-size: 14.5px; font-weight: 700; }\n.ceni-site .barra em { font-style: normal; font-size: 12.5px; color: rgba(255,255,255,.6); grid-column: 1; }\n.ceni-site .barra strong { grid-column: 2; grid-row: 1 \/ span 2; text-align: right; font-size: 22px; font-weight: 800; letter-spacing: -.02em; color: #fff; }\n.ceni-site .barra strong small { display: block; font-size: 12px; font-weight: 500; color: rgba(255,255,255,.6); letter-spacing: 0; }\n.ceni-site .barra i { grid-column: 1 \/ -1; height: 8px; border-radius: 8px; background: rgba(255,255,255,.08); overflow: hidden; display: block; }\n.ceni-site .barra i::after { content: \"\"; display: block; height: 100%; width: var(--w); border-radius: 8px; background: rgba(201,207,223,.55); }\n.ceni-site .barra.top strong { color: var(--ouro-claro) !important; }\n.ceni-site .barra.top i::after { background: linear-gradient(90deg, #1141D8, #3B6DF0); }\n.ceni-site .barra.neg strong { color: #C9CFDF !important; }\n.ceni-site .casos3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; flex: 1; }\n.ceni-site .casos3 .caso { background: #fff; color: var(--ink); border-radius: 18px; overflow: hidden; display: flex; flex-direction: column; }\n.ceni-site .casos3 .caso .ph { position: relative; flex: 1; min-height: 170px; }\n.ceni-site .casos3 .caso .ph img { position: absolute; left: 0; top: 0; width: 100%; height: 100% !important; object-fit: cover; }\n.ceni-site .casos3 .caso .selo { position: absolute; left: 10px; bottom: 10px; background: #fff; border-radius: 10px; padding: 6px 10px; font-size: 22px; font-weight: 800; color: var(--royal); letter-spacing: -.03em; line-height: 1; box-shadow: 0 6px 18px rgba(1,16,61,.2); }\n.ceni-site .casos3 .caso .selo small { display: block; font-size: 10.5px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); margin-top: 3px; }\n.ceni-site .casos3 .caso .bd { padding: 12px 14px 14px; display: grid; gap: 2px; }\n.ceni-site .casos3 .caso b { font-size: 15px; line-height: 1.2; color: var(--ink); }\n.ceni-site .casos3 .caso .bairro { font-size: 12.5px; color: var(--muted); }\n.ceni-site .casos3 .caso .vals { display: grid; grid-template-columns: 1fr; gap: 5px; margin-top: 10px; }\n.ceni-site .casos3 .caso .vals > div { display: flex; justify-content: space-between; align-items: baseline; gap: 8px; background: var(--cinza); border-radius: 10px; padding: 7px 10px; font-size: 12px; color: var(--muted); line-height: 1.25; }\n.ceni-site .casos3 .caso .vals > div.hoje { background: var(--profundo); color: rgba(255,255,255,.75); }\n.ceni-site .casos3 .caso .vals strong { display: inline; font-size: 15px; color: var(--ink); white-space: nowrap; }\n.ceni-site .casos3 .caso .vals .hoje strong { color: #fff; }\n.ceni-site .casos3 .caso .ent { margin-top: 6px; font-size: 12px; color: var(--muted); }\n.ceni-site .prova-pe { margin-top: 26px; display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 20px 32px; align-items: center; padding-top: 26px; border-top: 1px solid rgba(255,255,255,.12); }\n.ceni-site .prova-pe .familia b { color: #fff; }\n.ceni-site .prova-pe .zero { font-size: 15px; color: rgba(255,255,255,.82); max-width: 60ch; margin-top: 6px; }\n.ceni-site .prova-pe .zero b { color: #fff; display: inline; font-size: inherit; }\n.ceni-site .prova .src { margin-top: 18px; font-size: 13px; line-height: 1.5; }\n.ceni-site .corpo { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: clamp(28px, 5vw, 72px); padding-block: clamp(44px, 6vw, 80px) 30px; }\n.ceni-site .corpo > * { min-width: 0; }\n.ceni-site .corpo article { max-width: 68ch; }\n.ceni-site .corpo article h2 { font-size: clamp(25px, 2.6vw, 34px); line-height: 1.12; margin: clamp(44px, 5vw, 64px) 0 14px !important; letter-spacing: -.028em; }\n.ceni-site .corpo article h2:first-child { margin-top: 0 !important; }\n.ceni-site .corpo article h3 { margin: 24px 0 8px !important; }\n.ceni-site .corpo article p { margin-bottom: 14px; }\n.ceni-site .corpo article p.resumo { font-size: 18px; line-height: 1.55; color: var(--ink); padding-left: 16px; border-left: 3px solid var(--cinza-2); margin-bottom: 20px; }\n.ceni-site .corpo article .src { margin-top: 10px; font-size: 13px; color: var(--muted); }\n.ceni-site .corpo article p a, .ceni-site .corpo article li a, .ceni-site .corpo article td a { color: var(--royal); font-weight: 700; }\n.ceni-site .corpo .tablewrap { overflow-x: auto; border: 1px solid var(--cinza-2); border-radius: 16px; margin: 6px 0 8px; box-shadow: 0 6px 20px rgba(1,16,61,.05); }\n.ceni-site .corpo table { border-collapse: collapse; width: 100%; min-width: 640px; font-size: 14.5px; }\n.ceni-site .corpo th, .ceni-site .corpo td { text-align: left; vertical-align: top; padding: 13px 14px; border-bottom: 1px solid var(--cinza-2); }\n.ceni-site .corpo th { background: var(--cinza); font-size: 12px !important; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); font-weight: 700; }\n.ceni-site .corpo table.destaque th:last-child { background: var(--noite); color: var(--ouro); }\n.ceni-site .corpo table.destaque td:last-child { background: #F3F6FE; color: var(--ink); font-weight: 500; }\n.ceni-site .corpo tr:last-child td { border-bottom: 0; }\n.ceni-site .corpo td:first-child { font-weight: 700; }\n.ceni-site .corpo td .ok { color: var(--profundo); font-weight: 700; }\n.ceni-site .corpo ol.steps { list-style: none; padding: 0; margin: 0 0 6px; display: grid; gap: 12px; counter-reset: s; }\n.ceni-site .corpo ol.steps li { counter-increment: s; display: grid; grid-template-columns: 46px 1fr; gap: 14px; margin: 0; padding: 18px; border: 1px solid var(--cinza-2); border-top: 1px solid var(--cinza-2); border-radius: 16px; background: #fff; }\n.ceni-site .corpo ol.steps li::before { content: counter(s); width: 38px; height: 38px; border-radius: 50%; display: grid; place-items: center; background: var(--cinza-2); color: var(--profundo); font-weight: 800; font-size: 16px; letter-spacing: 0; padding: 0; }\n.ceni-site .corpo ol.steps b { display: block; font-size: 17px; margin-bottom: 4px; }\n.ceni-site .corpo ol.steps span b, .ceni-site .corpo ol.steps span strong { display: inline; font-size: inherit; margin: 0; }\n.ceni-site .corpo ol.steps span { color: var(--muted); font-size: 15.5px; }\n.ceni-site .corpo .two { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin: 6px 0 8px; }\n.ceni-site .corpo .two > div { padding: 20px 22px; border: 1px solid var(--cinza-2); border-radius: 16px; }\n.ceni-site .corpo .two > div:first-child { background: #F3F6FE; border-color: #D6E0FB; }\n.ceni-site .corpo .two > .care { box-shadow: inset 0 3px 0 var(--ouro-2); }\n.ceni-site .corpo .two h3 { margin: 0 0 10px !important; font-size: 17px; }\n.ceni-site .corpo .two ul { margin: 0; padding-left: 18px; }\n.ceni-site .corpo .two li { font-size: 15.5px; margin-bottom: 6px; }\n.ceni-site .corpo ul.check { list-style: none; padding: 0; margin: 0 0 8px; display: grid; gap: 10px; }\n.ceni-site .corpo ul.check li { position: relative; padding: 14px 16px 14px 48px; margin: 0; background: var(--cinza); border-radius: 12px; }\n.ceni-site .corpo ul.check li::before { content: \"\"; position: absolute; left: 16px; top: 17px; width: 18px; height: 18px; border: 2px solid var(--profundo); border-radius: 5px; background: #fff; }\n.ceni-site .corpo p.calc-link a { color: var(--royal); }\n.ceni-site .corpo p.ponte { margin: 28px 0 !important; padding: 16px 20px; background: #F6F6F6; border-left: 3px solid #D1AE79; border-radius: 0 12px 12px 0; font-size: 16px; line-height: 1.55; }\n.ceni-site .corpo p.ponte a { font-weight: 700; text-decoration: underline; text-underline-offset: 2px; }\n.ceni-site .corpo p.ponte a.ponte-wa { display: inline !important; background: none !important; border: 0 !important; box-shadow: none !important; padding: 0 !important; margin: 0 !important; min-height: 0 !important; color: var(--royal) !important; font: inherit !important; font-weight: 700 !important; }\n.ceni-site .wa-faixa { margin: 30px 0; display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 14px 22px; align-items: center; padding: 20px 22px; border-radius: 18px; background: var(--cinza-2); }\n.ceni-site .wa-faixa p { margin: 0 !important; font-size: 16px; line-height: 1.45; }\n.ceni-site .wa-faixa p b { display: block; font-size: 18px; margin-bottom: 2px; }\n.ceni-site .wa-faixa.escura { background: radial-gradient(120% 140% at 0% 0%, #0F3092 0%, #04175A 50%, #01103D 85%); color: #fff; }\n.ceni-site .wa-faixa.escura p { color: rgba(255,255,255,.86); }\n.ceni-site .wa-faixa.escura p b { color: #fff; }\n.ceni-site .mini { margin: 30px 0 8px; border-radius: 22px; overflow: hidden; background: radial-gradient(ellipse 90% 120% at 100% 0%, #0F3092 0%, #04175A 45%, #01103D 85%); color: #fff; box-shadow: 0 24px 60px rgba(1,16,61,.22); }\n.ceni-site .mini .in { padding: clamp(22px, 3vw, 32px); display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 22px 28px; }\n.ceni-site .mini .tt { grid-column: 1 \/ -1; }\n.ceni-site .mini .tt b { display: block; font-size: clamp(21px, 2.1vw, 26px); letter-spacing: -.02em; line-height: 1.15; color: #fff; }\n.ceni-site .mini .tt p { margin: 8px 0 0 !important; font-size: 14.5px; color: rgba(255,255,255,.72); line-height: 1.5; }\n.ceni-site .mini .tt p a { color: var(--ouro-claro) !important; text-decoration: underline !important; text-underline-offset: 2px; font-weight: 700; }\n.ceni-site .mini .campo { display: flex; align-items: center; gap: 8px; background: #fff; border-radius: 14px; padding: 0 16px; height: 62px; margin-top: 8px; }\n.ceni-site .mini .campo span { font-weight: 800; color: var(--profundo); font-size: 20px; }\n.ceni-site .mini .campo input { border: 0 !important; outline: 0 !important; box-shadow: none !important; background: transparent !important; width: 100%; min-width: 0; padding: 0 !important; margin: 0 !important; height: auto !important; font: 800 28px\/1 \"DM Sans\", sans-serif !important; color: var(--ink) !important; letter-spacing: -.02em; border-radius: 0 !important; -webkit-appearance: none; appearance: none; }\n.ceni-site .mini .chips { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 12px; }\n.ceni-site .mini .chip { border: 1px solid rgba(255,255,255,.28) !important; background: transparent !important; color: #fff !important; border-radius: 999px !important; padding: 8px 14px !important; font: 700 13.5px\/1.2 \"DM Sans\", sans-serif !important; cursor: pointer; text-transform: none !important; letter-spacing: 0 !important; box-shadow: none !important; min-height: 0 !important; width: auto !important; margin: 0 !important; }\n.ceni-site .mini .chip.on { background: var(--ouro) !important; border-color: var(--ouro) !important; color: var(--noite) !important; }\n.ceni-site .mini .lbl-s { display: block; font-size: 12px; letter-spacing: .12em; text-transform: uppercase; font-weight: 700; color: rgba(255,255,255,.6); margin: 16px 0 0; }\n.ceni-site .mini .lbl-s.pri { margin-top: 0; }\n.ceni-site .mini .aviso-min { display: none; font-size: 13px; color: var(--ouro-claro); margin-top: 8px; }\n.ceni-site .mini .aviso-min.on { display: block; }\n.ceni-site .mini.off .res .v, .ceni-site .mini.off .res .g, .ceni-site .mini.off .res .cmp { opacity: .35; }\n.ceni-site .mini .res { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); border-radius: 18px; padding: 20px; display: flex; flex-direction: column; }\n.ceni-site .mini .res .k { font-size: 13.5px; color: rgba(255,255,255,.72); }\n.ceni-site .mini .res .v { font-size: clamp(38px, 4.2vw, 52px); font-weight: 800; letter-spacing: -.04em; line-height: 1.02; color: var(--ouro-claro); margin-top: 6px; }\n.ceni-site .mini .res .g { display: inline-flex; align-self: flex-start; margin-top: 10px; background: rgba(209,174,121,.16); color: var(--ouro-claro); border-radius: 999px; padding: 5px 12px; font-size: 13px; font-weight: 700; }\n.ceni-site .mini .res .cmp { margin: 14px 0 0 !important; font-size: 13.5px; color: rgba(255,255,255,.74); line-height: 1.5; }\n.ceni-site .mini .res .cmp b { color: #fff; }\n.ceni-site .mini .res .btn { margin-top: 16px; width: 100%; white-space: normal; text-align: center; }\n.ceni-site .mini .esq { display: flex; flex-direction: column; }\n.ceni-site .mini .esq .chips { display: grid; gap: 10px; margin-top: 14px; }\n.ceni-site .mini .esq .chips.montos { grid-template-columns: repeat(3, minmax(0, 1fr)); }\n.ceni-site .mini .esq .chips.plazos { grid-template-columns: repeat(2, minmax(0, 1fr)); }\n.ceni-site .mini .esq .chip { padding: 13px 10px !important; text-align: center; border-radius: 14px !important; }\n.ceni-site .mini .esq .chips.plazos .chip { padding: 18px 12px !important; font-size: 14.5px !important; }\n.ceni-site .mini .esq .lbl-s { margin-top: auto; padding-top: 22px; }\n.ceni-site .mini .esq .chips.plazos { margin-bottom: 0; }\n@media (min-width: 761px) {.ceni-site .mini .esq .campo { height: 72px; }\n.ceni-site .mini .esq .campo input { font-size: 30px !important; }\n }\n.ceni-site .mini .res .mais { margin-top: 12px; font-size: 13.5px; color: var(--ouro-claro) !important; font-weight: 700; text-align: center; }\n.ceni-site .corpo .faq { display: grid; gap: 10px; border-top: 0; }\n.ceni-site .corpo .faq details { background: #fff; border: 1px solid var(--cinza-2); border-radius: 16px; padding: 0 20px; box-shadow: 0 4px 14px rgba(1,16,61,.04); }\n.ceni-site .corpo .faq details[open] { border-color: #C9D5F7; }\n.ceni-site .corpo .faq summary { cursor: pointer; list-style: none; padding: 18px 0; font-weight: 700; font-size: 17px; display: flex; justify-content: space-between; gap: 16px; }\n.ceni-site .corpo .faq summary::-webkit-details-marker { display: none; }\n.ceni-site .corpo .faq summary::after { content: \"+\"; flex: 0 0 auto; width: 28px; height: 28px; border-radius: 50%; display: grid; place-items: center; background: var(--cinza-2); color: var(--profundo); font-size: 18px; line-height: 1; }\n.ceni-site .corpo .faq details[open] summary::after { content: \"\u2013\"; background: var(--profundo); color: #fff; }\n.ceni-site .corpo .faq details p { margin: 0 0 18px; color: var(--muted); }\n.ceni-site .corpo .paulo { margin-top: 44px; border-radius: 24px; padding: clamp(24px, 3vw, 36px); background: radial-gradient(ellipse 90% 120% at 0% 0%, #0F3092 0%, #04175A 45%, #01103D 85%); color: #fff; display: grid; grid-template-columns: 112px minmax(0, 1fr); gap: 22px 26px; align-items: start; }\n.ceni-site .corpo .paulo > img { width: 112px; height: 112px !important; border-radius: 50% !important; object-fit: cover; border: 3px solid var(--ouro) !important; }\n.ceni-site .corpo .paulo blockquote { margin: 0; font-family: \"Newsreader\", Georgia, serif; font-style: italic; font-size: clamp(19px, 1.8vw, 23px); line-height: 1.35; color: #fff !important; }\n.ceni-site .corpo .paulo .quem { margin-top: 12px; font-size: 14px; color: rgba(255,255,255,.72); }\n.ceni-site .corpo .paulo .quem b { color: #fff; font-size: 15.5px; }\n.ceni-site .corpo .paulo .caso-p { margin-top: 14px; padding: 12px 14px; border-radius: 12px; background: rgba(255,255,255,.07); font-size: 15px; color: rgba(255,255,255,.9); }\n.ceni-site .corpo .paulo .caso-p strong { color: var(--ouro-claro); }\n.ceni-site .corpo .paulo .btn { margin-top: 16px; }\n.ceni-site .corpo .author { margin-top: 44px; display: grid; grid-template-columns: auto 1fr; gap: 18px; align-items: center; border-top: 1px solid var(--cinza-2); padding-top: 26px; }\n.ceni-site .corpo .author .rostos { display: flex; }\n.ceni-site .corpo .author .rostos img { width: 64px; height: 64px !important; border-radius: 50% !important; object-fit: cover; object-position: 50% 22%; border: 2px solid #fff; margin-left: -14px; box-shadow: 0 4px 12px rgba(1,16,61,.15); }\n.ceni-site .corpo .author .rostos img:first-child { margin-left: 0; }\n.ceni-site .corpo .author b { display: block; font-size: 16px; }\n.ceni-site .corpo .author span { color: var(--muted); font-size: 14.5px; display: block; }\n.ceni-site .corpo .related h3 { margin: 0 0 12px !important; font-size: 12px; letter-spacing: .14em; text-transform: uppercase; color: var(--royal); }\n.ceni-site .corpo .related .rel li > a[href] { border-radius: 16px; }\n.ceni-site .corpo aside { position: static; top: auto; align-self: stretch; display: block; }\n.ceni-site .corpo aside > .ph { border-radius: 16px; overflow: hidden; aspect-ratio: 3 \/ 2; margin-bottom: 14px; background: var(--cinza); }\n.ceni-site .corpo aside > .ph img { width: 100%; height: 100% !important; object-fit: cover; }\n.ceni-site .corpo aside .toc { border: 1px solid var(--cinza-2); border-radius: 16px; padding: 18px 18px 12px; background: #fff; margin-bottom: 14px; }\n.ceni-site .corpo aside .toc .t { font-size: 12px; letter-spacing: .14em; text-transform: uppercase; font-weight: 700; color: var(--muted); margin-bottom: 8px; }\n.ceni-site .corpo aside .toc a { display: block; padding: 7px 0 7px 12px; border-left: 2px solid var(--cinza-2); font-size: 13.5px; line-height: 1.35; color: var(--muted); }\n.ceni-site .corpo aside .toc a.on { border-left-color: var(--royal); color: var(--ink); font-weight: 700; }\n.ceni-site .corpo aside .lado-fixo { position: sticky; top: 100px; }\n.ceni-site .corpo aside .toc-b { display: none; }\n@media (min-height: 880px) {.ceni-site .corpo aside .toc-a { display: none; }\n.ceni-site .corpo aside .toc-b { display: block; }\n }\n.ceni-site .lado-wa { border-radius: 16px; padding: 20px; color: #fff; background: radial-gradient(120% 150% at 0% 0%, #0F3092 0%, #04175A 45%, #01103D 80%); }\n.ceni-site .lado-wa .rostos { display: flex; margin-bottom: 12px; }\n.ceni-site .lado-wa .rostos img { width: 42px; height: 42px !important; border-radius: 50% !important; object-fit: cover; object-position: 50% 22%; border: 2px solid var(--ouro) !important; margin-left: -10px; }\n.ceni-site .lado-wa .rostos img:first-child { margin-left: 0; }\n.ceni-site .lado-wa b { display: block; font-size: 17px; line-height: 1.25; color: #fff; }\n.ceni-site .lado-wa p { font-size: 14px; color: rgba(255,255,255,.78); margin: 6px 0 14px !important; }\n.ceni-site .lado-wa .btn { width: 100%; padding: 12px 14px; font-size: 14.5px; white-space: normal; }\n.ceni-site .lado-wa .mini-num { display: flex; gap: 14px; margin-top: 14px; padding-top: 12px; border-top: 1px solid rgba(255,255,255,.12); font-size: 12px; color: rgba(255,255,255,.66); }\n.ceni-site .lado-wa .mini-num strong { display: block; font-size: 20px; color: var(--ouro-claro); letter-spacing: -.02em; }\n.ceni-site .proximo { background: radial-gradient(ellipse 70% 80% at 30% 15%, #0F3092 0%, #04175A 45%, #01103D 82%); color: #fff; text-align: center; padding-block: clamp(64px, 9vw, 120px); }\n.ceni-site .proximo .wrap { display: grid; justify-items: center; gap: 0; }\n.ceni-site .proximo h2 { font-size: clamp(30px, 4.4vw, 56px); line-height: 1.06; max-width: 19ch; margin-top: 14px !important; font-weight: 700; color: #fff; letter-spacing: -.028em; }\n.ceni-site .proximo .lead { margin-top: 20px; max-width: 60ch; color: rgba(255,255,255,.86); font-size: clamp(16px, 1.4vw, 18.5px); }\n.ceni-site .proximo .pos { margin-top: 18px; max-width: 54ch; color: var(--ouro-claro); font-size: clamp(18px, 1.7vw, 22px); line-height: 1.4; }\n.ceni-site .proximo .acts { margin-top: 30px; display: flex; gap: 12px; flex-wrap: wrap; justify-content: center; }\n.ceni-site .proximo .wa-nota { display: block; margin-top: 12px; font-size: 13px; color: rgba(255,255,255,.66); }\n@media (max-width: 1100px) {.ceni-site .prova-grid { grid-template-columns: minmax(0, 1fr); }\n }\n@media (max-width: 960px) {.ceni-site .g-hero .wrap { grid-template-columns: minmax(0, 1fr); }\n.ceni-site .corpo { grid-template-columns: minmax(0, 1fr); }\n.ceni-site .corpo aside { display: none; }\n.ceni-site .faixa .wrap { grid-template-columns: repeat(3, 1fr); }\n.ceni-site .faixa .wrap > div:nth-child(n+4) { border-top: 1px solid var(--cinza-2); }\n.ceni-site .faixa .wrap > div:nth-child(3) { border-right: 0; }\n\n  }\n@media (max-width: 720px) {.ceni-site .g-hero { padding: 92px 0 36px; }\n.ceni-site .g-hero h1 { font-size: clamp(29px, 8.4vw, 38px); }\n.ceni-site .g-hero .acts .btn { width: 100%; white-space: normal; }\n.ceni-site .diptico figure { aspect-ratio: 4 \/ 4.4; border-radius: 14px; }\n.ceni-site .diptico figure.lt { transform: none; }\n.ceni-site .diptico figcaption { padding: 40px 12px 12px; }\n.ceni-site .diptico strong { font-size: 40px; 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border: 1px solid var(--line) !important; border-radius: 4px !important; padding: 0 !important; margin: 0 0 0 2px !important; box-shadow: none !important; min-height: 0 !important; line-height: 1 !important; outline-offset: 2px; }\n.ceni-site .burger span { background: var(--navy) !important; }\n.ceni-site .menu-open .nav a { color: var(--ink) !important; }\n.ceni-site .header { top: 0; }\nbody.admin-bar .ceni-site .header { top: 32px; }\n@media (max-width: 782px) { body.admin-bar .ceni-site .header { top: 46px; } }\n<\/style>\n<div class=\"ceni-site\">\n<header class=\"header\">\n<div class=\"wrap\">\n<a class=\"logo\" href=\"\/wp\/\"><img decoding=\"async\" alt=\"Ceni &amp; Southier\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/09\/logo-navy.png\"\/><\/a>\n<nav class=\"nav\"><a href=\"\/wp\/#quienes\">Quem somos<\/a><a href=\"\/wp\/#obras\">Obras entregues<\/a><a href=\"\/wp\/#como\">Como trabalhamos<\/a><a href=\"\/wp\/#floripa\">Por que Florian\u00f3polis<\/a><a class=\"on\" href=\"\/wp\/guias\/\">Guias<\/a><a href=\"\/wp\/#contacto\">Contato<\/a><a class=\"nav-cta btn-wa\" href=\"https:\/\/wa.me\/5548999049961?text=Ol%C3%A1%2C%20vim%20do%20site%20da%20Ceni%20%26%20Southier%20e%20quero%20uma%20an%C3%A1lise.\" rel=\"noopener\" target=\"_blank\"><svg aria-hidden=\"true\" viewbox=\"0 0 24 24\"><path d=\"M12 2a10 10 0 0 0-8.6 15.1L2 22l5-1.3A10 10 0 1 0 12 2zm0 18.2a8.2 8.2 0 0 1-4.2-1.2l-.3-.2-3 .8.8-2.9-.2-.3A8.2 8.2 0 1 1 12 20.2zm4.5-6.1c-.2-.1-1.5-.7-1.7-.8s-.4-.1-.6.1-.6.8-.8 1-.3.2-.5.1a6.7 6.7 0 0 1-3.3-2.9c-.3-.4.2-.4.7-1.3.1-.2 0-.3 0-.4l-.8-1.8c-.2-.5-.4-.4-.6-.4h-.5a1 1 0 0 0-.7.3 3 3 0 0 0-.9 2.2 5.2 5.2 0 0 0 1.1 2.8 12 12 0 0 0 4.6 4c1.7.7 2.3.8 3.1.7a2.7 2.7 0 0 0 1.8-1.2 2.2 2.2 0 0 0 .1-1.2c0-.2-.2-.2-.4-.3z\"><\/path><\/svg><span>Falar com consultor<\/span><\/a><\/nav>\n<button aria-expanded=\"false\" aria-label=\"Menu\" class=\"burger\" style=\"margin-left:auto\" type=\"button\"><span><\/span><span><\/span><span><\/span><\/button>\n<\/div>\n<\/header>\n<main id=\"conteudo\">\n<section class=\"g-hero on-dark\" id=\"top\">\n<div class=\"wrap\">\n<div>\n<div class=\"crumbs\"><a href=\"\/wp\/\">In\u00edcio<\/a><span>\u203a<\/span><a href=\"\/wp\/guias\/\">Guias<\/a><span>\u203a<\/span><a href=\"\/wp\/guias\/\">Onde investir<\/a><span>\u203a<\/span><span>Cess\u00e3o de direitos<\/span><\/div>\n<div class=\"eyebrow\">Guia \u00b7 Onde investir<\/div>\n<h1>Cess\u00e3o de direitos de im\u00f3vel na planta: como revender antes da entrega<\/h1>\n<p class=\"promessa\">Escrito pela fam\u00edlia que constr\u00f3i, com fonte e data. E com o que j\u00e1 aconteceu de verdade: <b>o dinheiro que entrou na planta em 2017 vale hoje o dobro em d\u00f3lares<\/b>; o mesmo dinheiro no prazo fixo argentino perdeu quase a metade.<\/p>\n<div class=\"acts\">\n<a class=\"btn btn-wa btn-big\" href=\"https:\/\/wa.me\/5548999049961?text=Ol%C3%A1%2C%20vim%20do%20site%20da%20Ceni%20%26%20Southier%2C%20li%20o%20guia%20%C2%ABCess%C3%A3o%20de%20direitos%C2%BB%20e%20quero%20comparar%20com%20o%20meu%20valor.\" rel=\"noopener\" target=\"_blank\"><svg aria-hidden=\"true\" viewbox=\"0 0 24 24\"><path d=\"M12 2a10 10 0 0 0-8.6 15.1L2 22l5-1.3A10 10 0 1 0 12 2zm0 18.2a8.2 8.2 0 0 1-4.2-1.2l-.3-.2-3 .8.8-2.9-.2-.3A8.2 8.2 0 1 1 12 20.2zm4.5-6.1c-.2-.1-1.5-.7-1.7-.8s-.4-.1-.6.1-.6.8-.8 1-.3.2-.5.1a6.7 6.7 0 0 1-3.3-2.9c-.3-.4.2-.4.7-1.3.1-.2 0-.3 0-.4l-.8-1.8c-.2-.5-.4-.4-.6-.4h-.5a1 1 0 0 0-.7.3 3 3 0 0 0-.9 2.2 5.2 5.2 0 0 0 1.1 2.8 12 12 0 0 0 4.6 4c1.7.7 2.3.8 3.1.7a2.7 2.7 0 0 0 1.8-1.2 2.2 2.2 0 0 0 .1-1.2c0-.2-.2-.2-.4-.3z\"><\/path><\/svg><span>Comparar com o meu valor<\/span><\/a>\n<a class=\"btn btn-ghost\" href=\"#calc\">Fazer a conta aqui<\/a>\n<\/div>\n<div class=\"meta\"><span>Atualizado: <b>outubro de 2026<\/b><\/span><span>6 min de leitura<\/span><span class=\"chk\">\u2713 Constitui\u00e7\u00e3o Federal, Prefeitura de Florian\u00f3polis, Receita Federal e FipeZap, outubro de 2026<\/span><\/div>\n<\/div>\n<div class=\"diptico\">\n<figure class=\"pf\"><img decoding=\"async\" alt=\"Notas de pesos e o comprovante de um prazo fixo sobre uma mesa\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/09\/nota-plazofijo.jpg\"\/><figcaption><span class=\"tag\">Prazo fixo em pesos<\/span><strong class=\"num\">\u221246%<\/strong><small>US$ 70.397 de dez\/2017, renovados a cada 30 dias, convertidos em d\u00f3lares hoje<\/small><\/figcaption><\/figure>\n<figure class=\"lt\"><img decoding=\"async\" alt=\"Solar de L\u00f3tus, Ingleses Norte, entregue em 2021\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/09\/obra-lotus.jpg\"\/><figcaption><span class=\"tag\">Na planta \u00b7 Solar de L\u00f3tus<\/span><strong class=\"num\">+107%<\/strong><small>O mesmo dinheiro num apartamento comprado em dez\/2017, em d\u00f3lares<\/small><\/figcaption><\/figure>\n<p class=\"diptico-fonte\">Mesmo dinheiro, mesmo per\u00edodo (dez\/2017 \u2192 out\/2026). Fonte: estudo da Ceni &amp; Southier, out\/2026, com dados do BCRA e do Banco Central do Brasil.<\/p>\n<\/div>\n<\/div>\n<\/section>\n<div class=\"faixa\"><div class=\"wrap\"><div><strong class=\"num\">20<\/strong><small>anos construindo em Florian\u00f3polis<\/small><\/div><div><strong class=\"num\">12<\/strong><small>obras entregues, com endere\u00e7o<\/small><\/div><div><strong class=\"num\">485<\/strong><small>unidades vendidas<\/small><\/div><div><strong class=\"num\">0<\/strong><small>atrasos de obra<\/small><\/div><div><strong class=\"num\">20%<\/strong><small>ao ano durante a obra, nossa refer\u00eancia<\/small><\/div><\/div><\/div>\n<section class=\"resp\"><div class=\"wrap\"><div class=\"direct rv\"><div class=\"lbl\">Resposta direta<\/div><p>A cess\u00e3o de direitos de um im\u00f3vel na planta \u00e9 o contrato em que quem comprou passa o seu lugar para outra pessoa, que assume as parcelas e fica com a unidade. Em regra, a construtora precisa concordar por escrito (a anu\u00eancia). A Prefeitura de Florian\u00f3polis lista a cess\u00e3o de direitos entre os fatos que geram ITBI, e por isso vale perguntar \u00e0 Prefeitura e ao cart\u00f3rio antes de fechar o pre\u00e7o. Na Ceni &amp; Southier, a revenda durante a obra \u00e9 poss\u00edvel, e o passo a passo sai pelo WhatsApp.<\/p><\/div><p class=\"lead\">Quem investe na planta pensa em duas coisas: como entrar e como sair. A sa\u00edda pode ser esperar as chaves ou ceder o contrato durante a obra, quando o pre\u00e7o do lan\u00e7amento j\u00e1 ficou para tr\u00e1s. Este guia explica a cess\u00e3o de direitos em regra geral, com a fonte de cada ponto.<\/p><\/div><\/section>\n<section aria-label=\"O que aconteceu com o mesmo dinheiro\" class=\"prova on-dark\">\n<div class=\"wrap\">\n<div class=\"eyebrow\">O que j\u00e1 aconteceu \u00b7 n\u00e3o \u00e9 proje\u00e7\u00e3o<\/div>\n<p class=\"h2like\">O mesmo dinheiro de 2017, em cinco lugares diferentes.<\/p>\n<p class=\"sub\">US$ 70.397 foi o que pagou na planta, em dezembro de 2017, o comprador de uma unidade do Solar de L\u00f3tus. Isto \u00e9 o que valem hoje esses mesmos d\u00f3lares, conforme onde tivessem sido colocados.<\/p>\n<div class=\"prova-grid\">\n<div class=\"barras rv\"><div class=\"tit\">Com <b>US$ 70.397<\/b> \u00b7 dez\/2017 \u2192 out\/2026<\/div><div class=\"barra top\"><span>Apartamento na planta \u00b7 Solar de L\u00f3tus<\/span><em>Contrato e an\u00fancio publicado hoje<\/em><strong class=\"num\">+107%<small>US$ 145.932<\/small><\/strong><i style=\"--w:100%\"><\/i><\/div><div class=\"barra\"><span>m\u00b2 m\u00e9dio de Florian\u00f3polis<\/span><em>FipeZap, em d\u00f3lares<\/em><strong class=\"num\">+25%<small>US$ 88.354<\/small><\/strong><i style=\"--w:60%\"><\/i><\/div><div class=\"barra neg\"><span>m\u00b2 em Buenos Aires<\/span><em>Zonaprop Index, em d\u00f3lares<\/em><strong class=\"num\">\u22126%<small>US$ 66.175<\/small><\/strong><i style=\"--w:45%\"><\/i><\/div><div class=\"barra neg\"><span>D\u00f3lares guardados em casa<\/span><em>Poder de compra (CPI-U, EUA)<\/em><strong class=\"num\">\u221226%<small>US$ 51.808<\/small><\/strong><i style=\"--w:36%\"><\/i><\/div><div class=\"barra neg\"><span>Prazo fixo em pesos, a cada 30 dias<\/span><em>106 renova\u00e7\u00f5es (BCRA), convertido em d\u00f3lares<\/em><strong class=\"num\">\u221246%<small>US$ 38.262<\/small><\/strong><i style=\"--w:26%\"><\/i><\/div><\/div>\n<div><div class=\"casos3\"><div class=\"caso rv\"><div class=\"ph\"><img decoding=\"async\" alt=\"Solar de L\u00f3tus, Ingleses Norte\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/09\/obra-lotus.jpg\"\/><div class=\"selo\">+107%<small>em d\u00f3lares<\/small><\/div><\/div><div class=\"bd\"><b>Solar de L\u00f3tus<\/b><span class=\"bairro\">Ingleses Norte<\/span><div class=\"vals\"><div>Na planta, dez\/2017<strong>US$ 70 mil<\/strong><\/div><div class=\"hoje\">Hoje<strong>US$ 146 mil<\/strong><\/div><\/div><div class=\"ent\">Entregue em 2021<\/div><\/div><\/div><div class=\"caso rv\"><div class=\"ph\"><img decoding=\"async\" alt=\"Solar da Cachoeira, Cachoeira do Bom Jesus\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/09\/obra-cachoeira.jpg\"\/><div class=\"selo\">+197%<small>em d\u00f3lares<\/small><\/div><\/div><div class=\"bd\"><b>Solar da Cachoeira<\/b><span class=\"bairro\">Cachoeira do Bom Jesus<\/span><div class=\"vals\"><div>Na planta, 2020<strong>US$ 44 mil<\/strong><\/div><div class=\"hoje\">Hoje<strong>US$ 130 mil<\/strong><\/div><\/div><div class=\"ent\">Entregue em dez\/2023, antes do prazo<\/div><\/div><\/div><div class=\"caso rv\"><div class=\"ph\"><img decoding=\"async\" alt=\"Solar de Bougainville, Cachoeira do Bom Jesus\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/09\/obra-bougainville.jpg\"\/><div class=\"selo\">+118%<small>em d\u00f3lares<\/small><\/div><\/div><div class=\"bd\"><b>Solar de Bougainville<\/b><span class=\"bairro\">Cachoeira do Bom Jesus<\/span><div class=\"vals\"><div>Na planta, 2022<strong>US$ 106 mil<\/strong><\/div><div class=\"hoje\">Hoje<strong>US$ 230 mil<\/strong><\/div><\/div><div class=\"ent\">Entregue em 2025<\/div><\/div><\/div><\/div><\/div>\n<\/div>\n<div class=\"prova-pe\">\n<div class=\"familia\"><div class=\"rostos\"><img decoding=\"async\" alt=\"M\u00e1rcio Ceni\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/09\/equipe-marcio-v2.jpg\"\/><img decoding=\"async\" alt=\"Marlene Ceni\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/09\/marlene-v3.jpg\"\/><img decoding=\"async\" alt=\"Pedro Ceni\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/10\/pedro-v8.jpg\"\/><\/div><div><b>Zero atraso em 20 anos. Uma fam\u00edlia, doze obras entregues.<\/b><p class=\"zero\">O Solar da Cachoeira tinha prazo at\u00e9 mar\u00e7o de 2024 e <b>foi entregue em dezembro de 2023<\/b>. Mandamos o contrato e o endere\u00e7o de cada obra para voc\u00ea ir ver.<\/p><\/div><\/div>\n<a class=\"btn btn-wa\" href=\"https:\/\/wa.me\/5548999049961?text=Ol%C3%A1%2C%20vim%20do%20site%20da%20Ceni%20%26%20Southier%20e%20quero%20ver%20os%20contratos%20do%20L%C3%B3tus%2C%20Cachoeira%20e%20Bougainville.\" rel=\"noopener\" target=\"_blank\"><svg aria-hidden=\"true\" viewbox=\"0 0 24 24\"><path d=\"M12 2a10 10 0 0 0-8.6 15.1L2 22l5-1.3A10 10 0 1 0 12 2zm0 18.2a8.2 8.2 0 0 1-4.2-1.2l-.3-.2-3 .8.8-2.9-.2-.3A8.2 8.2 0 1 1 12 20.2zm4.5-6.1c-.2-.1-1.5-.7-1.7-.8s-.4-.1-.6.1-.6.8-.8 1-.3.2-.5.1a6.7 6.7 0 0 1-3.3-2.9c-.3-.4.2-.4.7-1.3.1-.2 0-.3 0-.4l-.8-1.8c-.2-.5-.4-.4-.6-.4h-.5a1 1 0 0 0-.7.3 3 3 0 0 0-.9 2.2 5.2 5.2 0 0 0 1.1 2.8 12 12 0 0 0 4.6 4c1.7.7 2.3.8 3.1.7a2.7 2.7 0 0 0 1.8-1.2 2.2 2.2 0 0 0 .1-1.2c0-.2-.2-.2-.4-.3z\"><\/path><\/svg><span>Quero ver os contratos<\/span><\/a>\n<\/div>\n<p class=\"src\">Apartamentos: pre\u00e7o de contrato e an\u00fancios publicados em 2026 de unidades equivalentes do mesmo pr\u00e9dio, em d\u00f3lares pela PTAX do Banco Central do Brasil da \u00e9poca da compra e de hoje (R$ 5,2079 de 01\/10\/2026). Prazo fixo: taxa de dep\u00f3sitos a 30 dias do BCRA. D\u00f3lar guardado: CPI-U (BLS). m\u00b2: FipeZap e Zonaprop Index. Estudo da Ceni &amp; Southier, outubro de 2026.<\/p>\n<\/div>\n<\/section>\n<div class=\"wrap corpo\">\n<article>\n<h2 id=\"s1\">O que \u00e9 cess\u00e3o de direitos de um im\u00f3vel na planta?<\/h2>\n<p class=\"resumo\">Cess\u00e3o de direitos \u00e9 o contrato pelo qual o comprador de um im\u00f3vel na planta (o cedente) transfere a outra pessoa (o cession\u00e1rio) a posi\u00e7\u00e3o que tem no contrato com a construtora, com as parcelas j\u00e1 pagas e as que faltam.<\/p>\n<p>Quando voc\u00ea compra na planta, assina um contrato de compra e venda com a construtora e paga em parcelas durante a obra. A escritura s\u00f3 vem depois, com a obra pronta. At\u00e9 l\u00e1, o que voc\u00ea tem \u00e9 o <b>direito<\/b> \u00e0 unidade, previsto nesse contrato. A cess\u00e3o passa esse direito para outra pessoa.<\/p>\n<div class=\"two\"><div><b>O que passa para quem compra a cess\u00e3o<\/b><p>A posi\u00e7\u00e3o no contrato: as parcelas j\u00e1 pagas, as parcelas que faltam e o direito de receber a unidade quando a obra terminar.<\/p><\/div><div><b>O que n\u00e3o passa<\/b><p>A escritura. Ela s\u00f3 \u00e9 lavrada no fim da obra, e o im\u00f3vel segue em nome da construtora at\u00e9 l\u00e1. O cession\u00e1rio recebe o im\u00f3vel nas mesmas condi\u00e7\u00f5es do contrato original.<\/p><\/div><\/div>\n<p>\u00c9 por isso que a cess\u00e3o serve de sa\u00edda durante a obra: o primeiro comprador recebe o que pagou mais a valoriza\u00e7\u00e3o acumulada desde o lan\u00e7amento, e o novo comprador entra numa obra que j\u00e1 est\u00e1 andando.<\/p>\n<h2 id=\"s2\">Como fazer a cess\u00e3o de direitos de um im\u00f3vel na planta, passo a passo?<\/h2>\n<p class=\"resumo\">Os passos s\u00e3o: ler o contrato original, combinar o pre\u00e7o, pedir a anu\u00eancia da construtora, assinar o contrato de cess\u00e3o, atualizar o cadastro na construtora e cuidar do ITBI e do imposto de renda conforme a regra de cada um.<\/p>\n<ol class=\"steps\"><li><div><b>Leia o contrato original.<\/b><span>Procure a cl\u00e1usula de cess\u00e3o ou transfer\u00eancia. \u00c9 ela que diz se a construtora precisa autorizar e se existe taxa de transfer\u00eancia.<\/span><\/div><\/li><li><div><b>Combine o pre\u00e7o com o comprador.<\/b><span>Em geral, o valor \u00e9 o que voc\u00ea j\u00e1 pagou mais o ganho que voc\u00eas combinarem; o novo comprador assume as parcelas que faltam.<\/span><\/div><\/li><li><div><b>Pe\u00e7a a anu\u00eancia da construtora.<\/b><span>Anu\u00eancia \u00e9 a concord\u00e2ncia por escrito. Sem ela, o cession\u00e1rio pode ficar sem reconhecimento perante a construtora.<\/span><\/div><\/li><li><div><b>Assine o contrato de cess\u00e3o.<\/b><span>O documento deve dizer o que foi pago, o que falta pagar, quem assume o qu\u00ea e o valor da cess\u00e3o. Vale revis\u00e3o de um advogado.<\/span><\/div><\/li><li><div><b>Atualize o cadastro na construtora.<\/b><span>A partir da\u00ed, boletos e comunicados passam a ser do novo comprador.<\/span><\/div><\/li><li><div><b>Veja o ITBI e o imposto de renda.<\/b><span>Cada um tem regra pr\u00f3pria, explicada nas duas se\u00e7\u00f5es a seguir. Confirme os dois com seu contador.<\/span><\/div><\/li><\/ol>\n<p>Como cada contrato tem as suas regras, o texto acima \u00e9 o caminho geral. No contrato da sua obra, o que vale \u00e9 o que est\u00e1 escrito nele.<\/p>\n<h2 id=\"s3\">A cess\u00e3o de direitos de im\u00f3vel na planta paga ITBI?<\/h2>\n<p class=\"resumo\">A Constitui\u00e7\u00e3o prev\u00ea o ITBI tamb\u00e9m sobre a cess\u00e3o de direitos \u00e0 aquisi\u00e7\u00e3o de im\u00f3veis, e a Prefeitura de Florian\u00f3polis lista a cess\u00e3o entre os fatos que geram o imposto, com quem recebe o direito como contribuinte; confirme o seu caso com a Prefeitura e com o cart\u00f3rio.<\/p>\n<p>O ITBI (imposto sobre a transmiss\u00e3o de bens im\u00f3veis) \u00e9 municipal. A Constitui\u00e7\u00e3o Federal prev\u00ea, no art. 156, II, a cobran\u00e7a sobre a transmiss\u00e3o de im\u00f3veis e de direitos reais sobre eles, <b>incluindo a cess\u00e3o de direitos \u00e0 sua aquisi\u00e7\u00e3o<\/b>.<\/p>\n<p>Em Florian\u00f3polis, a p\u00e1gina do servi\u00e7o de ITBI da Prefeitura lista a <b>cess\u00e3o de direitos<\/b> entre os fatos que geram o imposto e diz que o contribuinte \u00e9 o adquirente ou o <b>cession\u00e1rio<\/b>, isto \u00e9, quem recebe o direito. O tema tamb\u00e9m est\u00e1 em discuss\u00e3o no Supremo Tribunal Federal desde 2022 (Tema 1.124).<\/p>\n<p>Por isso, a orienta\u00e7\u00e3o \u00e9 perguntar \u00e0 Prefeitura (pelo Pr\u00f3-Cidad\u00e3o ou pelo portal de servi\u00e7os) e ao cart\u00f3rio, <b>antes de fechar o pre\u00e7o<\/b>, se haver\u00e1 guia no seu caso, e deixar escrito no contrato de cess\u00e3o quem paga. Os detalhes do imposto est\u00e3o em <a href=\"\/wp\/guias\/itbi-florianopolis\/\">ITBI em Florian\u00f3polis: al\u00edquota, valor e como pagar<\/a>.<\/p>\n<p class=\"src\">Fonte: Constitui\u00e7\u00e3o Federal, art. 156, II; Prefeitura de Florian\u00f3polis, servi\u00e7o de ITBI (fato gerador e contribuinte), consulta em 15\/10\/2026; STF, Tema 1.124 (embargos acolhidos em agosto de 2022 para rediscutir a cess\u00e3o de direitos).<\/p>\n<h2 id=\"s4\">Vale a pena comprar im\u00f3vel na planta para vender?<\/h2>\n<p class=\"resumo\">Comprar na planta para ceder o contrato durante a obra \u00e9 um jeito de capturar a valoriza\u00e7\u00e3o do lan\u00e7amento antes da entrega; a refer\u00eancia da Ceni &amp; Southier \u00e9 de 20% ao ano durante a obra, do pre\u00e7o de lan\u00e7amento ao de entrega.<\/p>\n<p>A l\u00f3gica da revenda na obra \u00e9 simples: o pre\u00e7o do lan\u00e7amento \u00e9 o mais baixo da vida do pr\u00e9dio, e ele sobe at\u00e9 a entrega. Quem cede o contrato no meio do caminho realiza parte dessa alta sem esperar as chaves. A <b>refer\u00eancia da Ceni &amp; Southier \u00e9 de 20% ao ano durante a obra<\/b> (do pre\u00e7o de lan\u00e7amento ao de entrega).<\/p>\n<div class=\"tablewrap\"><table><thead><tr><th>Obra da Ceni &amp; Southier<\/th><th>Pre\u00e7o do contrato x pre\u00e7o de an\u00fancio<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Obra da Ceni &amp; Southier\">Solar de L\u00f3tus<\/td><td data-label=\"Pre\u00e7o do contrato x pre\u00e7o de an\u00fancio\">+228%<\/td><\/tr><tr><td data-label=\"Obra da Ceni &amp; Southier\">Solar da Cachoeira<\/td><td data-label=\"Pre\u00e7o do contrato x pre\u00e7o de an\u00fancio\">+200%<\/td><\/tr><tr><td data-label=\"Obra da Ceni &amp; Southier\">Solar de Bougainville<\/td><td data-label=\"Pre\u00e7o do contrato x pre\u00e7o de an\u00fancio\">+120%<\/td><\/tr><\/tbody><\/table><\/div>\n<p class=\"src\">Fonte: Ceni &amp; Southier, contratos de lan\u00e7amento x an\u00fancios atuais, 2026.<\/p>\n<div class=\"mini\" data-mini=\"\" id=\"calc\">\n<div class=\"in\">\n<div class=\"tt\"><b>Quanto valeriam os seus d\u00f3lares?<\/b><p class=\"calc-link\"><a href=\"\/wp\/calculadora\/\">Fa\u00e7a a conta na calculadora<\/a>: o seu valor projetado com a refer\u00eancia de 20% por ano de obra, ao lado de um prazo fixo em d\u00f3lares e dos mesmos d\u00f3lares guardados, medidos pelo que compram.<\/p><\/div>\n<div class=\"esq\">\n<label class=\"lbl-s pri\" for=\"mini-v\">Seu valor em d\u00f3lares<\/label>\n<div class=\"campo\"><span>US$<\/span><input aria-label=\"Valor em d\u00f3lares\" autocomplete=\"off\" class=\"mini-v\" id=\"mini-v\" inputmode=\"numeric\" type=\"text\" value=\"20.000\"\/><\/div>\n<div class=\"aviso-min\" data-min=\"\">O valor m\u00ednimo para simular \u00e9 US$ 9.000.<\/div>\n<div class=\"chips montos\" data-montos=\"\"><button class=\"chip on\" data-v=\"20000\" type=\"button\">US$ 20 mil<\/button><button class=\"chip\" data-v=\"50000\" type=\"button\">US$ 50 mil<\/button><button class=\"chip\" data-v=\"100000\" type=\"button\">US$ 100 mil<\/button><\/div>\n<span class=\"lbl-s\">Quando voc\u00ea vende<\/span>\n<div class=\"chips plazos\" data-plazos=\"\"><button class=\"chip\" data-m=\"18\" type=\"button\">Durante a obra \u00b7 m\u00eas 18<\/button><button class=\"chip on\" data-m=\"36\" type=\"button\">No final \u00b7 m\u00eas 36<\/button><\/div>\n<\/div>\n<div aria-live=\"polite\" class=\"res\">\n<span class=\"k\" data-k=\"\">Seus US$ 20.000 poderiam virar<\/span>\n<span class=\"v num\" data-res=\"\">US$ 32.000<\/span>\n<span class=\"g\" data-g=\"\">+60% \u00b7 no final da obra, m\u00eas 36<\/span>\n<p class=\"cmp\">No mesmo prazo, num prazo fixo em d\u00f3lares (1,25% ao ano) seriam <b data-pf=\"\">US$ 20.750<\/b>; guardados, comprariam o que hoje compram <b data-caja=\"\">US$ 17.987<\/b> (infla\u00e7\u00e3o dos EUA de 3,6% ao ano).<\/p>\n<a class=\"btn btn-wa\" data-wa-calc=\"\" href=\"https:\/\/wa.me\/5548999049961?text=Ol%C3%A1%2C%20vim%20do%20site%20da%20Ceni%20%26%20Southier%20e%20quero%20o%20estudo%20completo%20do%20projeto.\" rel=\"noopener\" target=\"_blank\"><svg aria-hidden=\"true\" viewbox=\"0 0 24 24\"><path d=\"M12 2a10 10 0 0 0-8.6 15.1L2 22l5-1.3A10 10 0 1 0 12 2zm0 18.2a8.2 8.2 0 0 1-4.2-1.2l-.3-.2-3 .8.8-2.9-.2-.3A8.2 8.2 0 1 1 12 20.2zm4.5-6.1c-.2-.1-1.5-.7-1.7-.8s-.4-.1-.6.1-.6.8-.8 1-.3.2-.5.1a6.7 6.7 0 0 1-3.3-2.9c-.3-.4.2-.4.7-1.3.1-.2 0-.3 0-.4l-.8-1.8c-.2-.5-.4-.4-.6-.4h-.5a1 1 0 0 0-.7.3 3 3 0 0 0-.9 2.2 5.2 5.2 0 0 0 1.1 2.8 12 12 0 0 0 4.6 4c1.7.7 2.3.8 3.1.7a2.7 2.7 0 0 0 1.8-1.2 2.2 2.2 0 0 0 .1-1.2c0-.2-.2-.2-.4-.3z\"><\/path><\/svg><span data-btxt=\"\">Quero o estudo com US$ 20.000<\/span><\/a>\n<a class=\"mais\" href=\"\/wp\/calculadora\/\">Ver a calculadora completa \u2192<\/a>\n<\/div>\n<\/div>\n<\/div>\n<p>O mercado ao redor ajuda: o pre\u00e7o m\u00e9dio de an\u00fancio em Florian\u00f3polis foi de R$ 13.607 por metro quadrado em setembro de 2026, alta de 8,31% em 12 meses (FipeZap). O Paulo Dalla C\u00f4rt comprou em 2022 por R$ 546 mil e vendeu em 2026 por R$ 1,1 milh\u00e3o. Para fazer a conta com o seu valor, use a <a href=\"\/wp\/calculadora\/\">calculadora<\/a> com o prazo de 18 meses, a metade da obra.<\/p>\n<p class=\"src\">Fonte: FipeZap Venda Residencial, setembro de 2026.<\/p>\n<p>O pre\u00e7o da revenda \u00e9 combinado entre voc\u00ea e quem compra, e por isso a gente trata cada caso pelo WhatsApp, com o contrato na m\u00e3o.<\/p>\n<h2 id=\"s5\">Qual imposto de renda se paga na revenda de um im\u00f3vel na planta?<\/h2>\n<p class=\"resumo\">Em regra geral, a Receita Federal tributa o ganho de capital da cess\u00e3o (valor recebido menos custo de aquisi\u00e7\u00e3o) com al\u00edquotas de 15% a 22,5%, pagas por Darf at\u00e9 o \u00faltimo dia \u00fatil do m\u00eas seguinte ao do recebimento; o c\u00e1lculo do seu caso \u00e9 com o seu contador.<\/p>\n<p>Para a Receita Federal, a cess\u00e3o de direitos sobre im\u00f3vel entra nas opera\u00e7\u00f5es sujeitas ao ganho de capital. A regra geral usa a diferen\u00e7a entre o valor recebido e o custo de aquisi\u00e7\u00e3o, e as al\u00edquotas v\u00e3o de <b>15% a 22,5%<\/b>, conforme o tamanho do ganho (Lei 13.259\/2016). O pagamento \u00e9 feito por Darf at\u00e9 o \u00faltimo dia \u00fatil do m\u00eas seguinte ao do recebimento.<\/p>\n<p>H\u00e1 tamb\u00e9m isen\u00e7\u00f5es. Uma delas interessa a quem revende na planta: se o dinheiro for usado para comprar outro im\u00f3vel residencial no Brasil em at\u00e9 180 dias, o ganho fica isento, e a Receita confirma que a regra vale para im\u00f3vel em constru\u00e7\u00e3o ou na planta (Lei 11.196\/2005, art. 39). As al\u00edquotas e as isen\u00e7\u00f5es est\u00e3o em <a href=\"\/wp\/guias\/ganho-de-capital-na-venda-de-imovel-aliquotas-e-isencoes\/\">Ganho de capital na venda de im\u00f3vel: al\u00edquotas e isen\u00e7\u00f5es<\/a>. Este guia n\u00e3o calcula o imposto do seu caso: confirme com o seu contador antes de assinar.<\/p>\n<p class=\"src\">Fonte: Receita Federal, Perguntas e Respostas IRPF 2026 (vers\u00e3o de 23\/04\/2026), perguntas 573, 574 e 577, consulta em 15\/10\/2026.<\/p>\n<div class=\"wa-faixa escura\"><p><b>Qual obra combina com o seu valor?<\/b>Conte quanto quer investir e para qu\u00ea: mandamos a obra em andamento que mais combina, com planta e cronograma.<\/p><a class=\"btn btn-wa\" href=\"https:\/\/wa.me\/5548999049961?text=Ol%C3%A1%2C%20vim%20do%20site%20da%20Ceni%20%26%20Southier%20e%20quero%20saber%20qual%20obra%20em%20andamento%20combina%20com%20o%20meu%20valor.\" rel=\"noopener\" target=\"_blank\"><svg aria-hidden=\"true\" viewbox=\"0 0 24 24\"><path d=\"M12 2a10 10 0 0 0-8.6 15.1L2 22l5-1.3A10 10 0 1 0 12 2zm0 18.2a8.2 8.2 0 0 1-4.2-1.2l-.3-.2-3 .8.8-2.9-.2-.3A8.2 8.2 0 1 1 12 20.2zm4.5-6.1c-.2-.1-1.5-.7-1.7-.8s-.4-.1-.6.1-.6.8-.8 1-.3.2-.5.1a6.7 6.7 0 0 1-3.3-2.9c-.3-.4.2-.4.7-1.3.1-.2 0-.3 0-.4l-.8-1.8c-.2-.5-.4-.4-.6-.4h-.5a1 1 0 0 0-.7.3 3 3 0 0 0-.9 2.2 5.2 5.2 0 0 0 1.1 2.8 12 12 0 0 0 4.6 4c1.7.7 2.3.8 3.1.7a2.7 2.7 0 0 0 1.8-1.2 2.2 2.2 0 0 0 .1-1.2c0-.2-.2-.2-.4-.3z\"><\/path><\/svg><span>Ver qual obra combina comigo<\/span><\/a><\/div>\n<h2 id=\"s6\">Posso vender im\u00f3vel na planta financiado pela Caixa?<\/h2>\n<p class=\"resumo\">Sim, em geral, mas com duas autoriza\u00e7\u00f5es: a da construtora e a do banco, que precisa aprovar o novo comprador no financiamento.<\/p>\n<p>Quando o im\u00f3vel na planta tem financiamento, a venda mexe em dois contratos: o de compra e venda com a <b>construtora<\/b> e o de financiamento com o <b>banco<\/b>. A construtora d\u00e1 a anu\u00eancia da cess\u00e3o; o banco precisa aprovar quem assume a d\u00edvida (ou o saldo \u00e9 quitado na venda). Combinar a troca s\u00f3 entre as partes, sem o banco, deixa o novo comprador sem reconhecimento perante o financiador.<\/p>\n<p>O caminho pr\u00e1tico \u00e9: pe\u00e7a \u00e0 construtora a regra de cess\u00e3o, procure a ag\u00eancia para saber como o banco trata a transfer\u00eancia e s\u00f3 ent\u00e3o feche o pre\u00e7o. As condi\u00e7\u00f5es valem as do seu contrato; confirme as duas por escrito.<\/p>\n<p class=\"src\">Fonte: mat\u00e9ria da Portas (Loft), &#8220;Comprei um im\u00f3vel na planta e quero vender, e agora?&#8221;, consulta em 15\/10\/2026.<\/p>\n<p>O financiamento na Caixa est\u00e1 explicado em <a href=\"\/wp\/guias\/financiamento-imovel-na-planta-caixa\/\">financiamento de im\u00f3vel na planta na Caixa<\/a>. Os impostos da venda est\u00e3o em <a href=\"\/wp\/guias\/ganho-de-capital-na-venda-de-imovel-aliquotas-e-isencoes\/\">ganho de capital na venda de im\u00f3vel<\/a>.<\/p>\n<h2 id=\"s7\">Como funciona a revenda do contrato durante a obra na Ceni &amp; Southier?<\/h2>\n<p class=\"resumo\">Na Ceni &amp; Southier, a revenda do contrato durante a obra \u00e9 poss\u00edvel; os documentos, a anu\u00eancia e o passo a passo do seu contrato s\u00e3o explicados pelo WhatsApp.<\/p>\n<p>A construtora faz parte da cess\u00e3o, porque o contrato \u00e9 com ela. Na Ceni &amp; Southier, que constr\u00f3i desde 2005 e entregou 12 obras sem atraso, a revenda durante a obra \u00e9 poss\u00edvel. O contrato \u00e9 pago direto \u00e0 construtora durante a obra, e \u00e9 essa mesma rela\u00e7\u00e3o que passa de um comprador para o outro.<\/p>\n<p>Como a cess\u00e3o envolve documentos do seu contrato, a gente explica o caminho pelo WhatsApp, com o seu caso na tela. Antes de contratar, vale conhecer <a href=\"\/wp\/guias\/construtora-confiavel-em-florianopolis\/\">como saber se a construtora \u00e9 confi\u00e1vel<\/a> e <a href=\"\/wp\/guias\/como-acompanhar-uma-obra-a-distancia\/\">como acompanhar a obra \u00e0 dist\u00e2ncia<\/a>.<\/p>\n<h2 id=\"s8\">Antes de ceder ou comprar uma cess\u00e3o de direitos<\/h2>\n<ul class=\"check\"><li>Li no contrato a cl\u00e1usula de cess\u00e3o e sei quem precisa autorizar?<\/li><li>A construtora deu a anu\u00eancia por escrito?<\/li><li>O contrato de cess\u00e3o deixa claro o que foi pago e o que falta pagar?<\/li><li>Perguntei \u00e0 Prefeitura e ao cart\u00f3rio como fica o ITBI?<\/li><li>Conversei com o meu contador sobre o ganho de capital?<\/li><\/ul>\n<div class=\"wa-faixa\"><p>Quer ver como seria a revenda no m\u00eas 18 com o seu valor? Fa\u00e7a a conta na calculadora e fale com a gente pelo WhatsApp.<\/p><a class=\"btn btn-wa\" href=\"https:\/\/wa.me\/5548999049961?text=Ol%C3%A1%2C%20vim%20do%20site%20da%20Ceni%20%26%20Southier%20e%20quero%20a%20planta%20e%20o%20cronograma%20das%20obras%20em%20andamento.\" rel=\"noopener\" target=\"_blank\"><svg aria-hidden=\"true\" viewbox=\"0 0 24 24\"><path d=\"M12 2a10 10 0 0 0-8.6 15.1L2 22l5-1.3A10 10 0 1 0 12 2zm0 18.2a8.2 8.2 0 0 1-4.2-1.2l-.3-.2-3 .8.8-2.9-.2-.3A8.2 8.2 0 1 1 12 20.2zm4.5-6.1c-.2-.1-1.5-.7-1.7-.8s-.4-.1-.6.1-.6.8-.8 1-.3.2-.5.1a6.7 6.7 0 0 1-3.3-2.9c-.3-.4.2-.4.7-1.3.1-.2 0-.3 0-.4l-.8-1.8c-.2-.5-.4-.4-.6-.4h-.5a1 1 0 0 0-.7.3 3 3 0 0 0-.9 2.2 5.2 5.2 0 0 0 1.1 2.8 12 12 0 0 0 4.6 4c1.7.7 2.3.8 3.1.7a2.7 2.7 0 0 0 1.8-1.2 2.2 2.2 0 0 0 .1-1.2c0-.2-.2-.2-.4-.3z\"><\/path><\/svg><span>Fale com um consultor de investimentos<\/span><\/a><\/div>\n<h2 id=\"s9\">Perguntas frequentes<\/h2><div class=\"faq\"><details><summary>Como fazer a cess\u00e3o de direitos de um im\u00f3vel na planta?<\/summary><p>Leia a cl\u00e1usula de cess\u00e3o do contrato, combine o pre\u00e7o, pe\u00e7a a anu\u00eancia da construtora, assine o contrato de cess\u00e3o, atualize o cadastro e cuide do ITBI e do imposto de renda conforme as regras de cada um.<\/p><\/details><details><summary>A cess\u00e3o de direitos de im\u00f3vel na planta paga ITBI?<\/summary><p>A Constitui\u00e7\u00e3o prev\u00ea o ITBI sobre a cess\u00e3o de direitos \u00e0 aquisi\u00e7\u00e3o de im\u00f3veis (art. 156, II), e a Prefeitura de Florian\u00f3polis lista a cess\u00e3o entre os fatos que geram o imposto, pago por quem recebe o direito. Pergunte \u00e0 Prefeitura e ao cart\u00f3rio antes de fechar o pre\u00e7o.<\/p><\/details><details><summary>O que \u00e9 contrato de cess\u00e3o de direitos de im\u00f3vel na planta?<\/summary><p>\u00c9 o documento em que o comprador original (cedente) passa ao novo comprador (cession\u00e1rio) a posi\u00e7\u00e3o que tem no contrato com a construtora: parcelas pagas, parcelas a pagar e o direito \u00e0 unidade.<\/p><\/details><details><summary>D\u00e1 para revender im\u00f3vel na planta antes da entrega?<\/summary><p>Em geral sim, por meio da cess\u00e3o de direitos, desde que o contrato permita e a construtora concorde. Na Ceni &amp; Southier, a revenda durante a obra \u00e9 poss\u00edvel, e o passo a passo \u00e9 explicado pelo WhatsApp.<\/p><\/details><details><summary>A construtora precisa autorizar a revenda?<\/summary><p>Em regra, sim. A anu\u00eancia da construtora por escrito \u00e9 o que d\u00e1 seguran\u00e7a ao novo comprador. A cl\u00e1usula de cess\u00e3o do contrato diz como pedi-la.<\/p><\/details><details><summary>Vale a pena comprar apartamento na planta para revender?<\/summary><p>Pode valer: o pre\u00e7o de lan\u00e7amento \u00e9 o mais baixo do pr\u00e9dio e sobe at\u00e9 a entrega. A refer\u00eancia da Ceni &amp; Southier \u00e9 de 20% ao ano durante a obra, do pre\u00e7o de lan\u00e7amento ao de entrega. O pre\u00e7o da revenda voc\u00ea combina com quem compra.<\/p><\/details><details><summary>Vale a pena comprar apartamento na planta para vender depois da entrega?<\/summary><p>Depende do que voc\u00ea quer capturar: a valoriza\u00e7\u00e3o durante a obra ou tamb\u00e9m a valoriza\u00e7\u00e3o depois das chaves. Use a calculadora para comparar 18 meses, a metade da obra, com 36 meses, a entrega das chaves.<\/p><\/details><details><summary>Comprei im\u00f3vel na planta e quero vender: o que fa\u00e7o primeiro?<\/summary><p>Leia a cl\u00e1usula de cess\u00e3o do contrato, pe\u00e7a \u00e0 construtora a regra e a anu\u00eancia por escrito, some o que j\u00e1 pagou e combine o pre\u00e7o com o comprador. Depois, veja ITBI e imposto de renda.<\/p><\/details><details><summary>Como vender im\u00f3vel na planta pela Caixa?<\/summary><p>Se h\u00e1 financiamento, a venda precisa da anu\u00eancia da construtora e da aprova\u00e7\u00e3o do banco para o novo comprador assumir o contrato, ou do pagamento do saldo. Confirme as regras no seu contrato e na ag\u00eancia.<\/p><\/details><\/div>\n<div class=\"paulo rv\">\n<img decoding=\"async\" alt=\"Paulo Dalla C\u00f4rt\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/09\/paulo-dallacort.jpg\"\/>\n<div>\n<blockquote>\u201cN\u00e3o invista em outro lugar! Invisto com a Ceni h\u00e1 10 anos, comprando e vendendo apartamentos o tempo todo com ganho (\u2026). N\u00e3o compre im\u00f3veis em nenhum outro lugar; a Ceni \u00e9 um s\u00f3cio de investimento que me deu seguran\u00e7a ao longo de todos estes anos.\u201d<\/blockquote>\n<div class=\"quem\"><b>Paulo Dalla C\u00f4rt<\/b> \u00b7 empres\u00e1rio, investidor da Ceni h\u00e1 10 anos<\/div>\n<div class=\"caso-p\">Solar de Bougainville: comprou em 2022 por <strong>US$ 105.755<\/strong> e vendeu em 2026 por <strong>US$ 213.658<\/strong> (R$ 1,1 milh\u00e3o): <strong>+102% em d\u00f3lares<\/strong>. Uma venda fechada, n\u00e3o um an\u00fancio.<\/div>\n<a class=\"btn btn-wa\" href=\"https:\/\/wa.me\/5548999049961?text=Ol%C3%A1%2C%20vim%20do%20site%20da%20Ceni%20%26%20Southier%20e%20quero%20ver%20um%20caso%20como%20o%20do%20Paulo%20para%20o%20meu%20valor.\" rel=\"noopener\" target=\"_blank\"><svg aria-hidden=\"true\" viewbox=\"0 0 24 24\"><path d=\"M12 2a10 10 0 0 0-8.6 15.1L2 22l5-1.3A10 10 0 1 0 12 2zm0 18.2a8.2 8.2 0 0 1-4.2-1.2l-.3-.2-3 .8.8-2.9-.2-.3A8.2 8.2 0 1 1 12 20.2zm4.5-6.1c-.2-.1-1.5-.7-1.7-.8s-.4-.1-.6.1-.6.8-.8 1-.3.2-.5.1a6.7 6.7 0 0 1-3.3-2.9c-.3-.4.2-.4.7-1.3.1-.2 0-.3 0-.4l-.8-1.8c-.2-.5-.4-.4-.6-.4h-.5a1 1 0 0 0-.7.3 3 3 0 0 0-.9 2.2 5.2 5.2 0 0 0 1.1 2.8 12 12 0 0 0 4.6 4c1.7.7 2.3.8 3.1.7a2.7 2.7 0 0 0 1.8-1.2 2.2 2.2 0 0 0 .1-1.2c0-.2-.2-.2-.4-.3z\"><\/path><\/svg><span>Quero um caso assim com o meu valor<\/span><\/a>\n<\/div>\n<\/div>\n<div class=\"author\"><div class=\"rostos\"><img decoding=\"async\" alt=\"M\u00e1rcio Ceni\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/09\/equipe-marcio-v2.jpg\"\/><img decoding=\"async\" alt=\"Marlene Ceni\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/09\/marlene-v3.jpg\"\/><img decoding=\"async\" alt=\"Pedro Ceni\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/10\/pedro-v8.jpg\"\/><\/div><div><b>Escrito pela fam\u00edlia Ceni \u2014 M\u00e1rcio, Marlene e Pedro<\/b><span>Empresa familiar \u00b7 vinte anos construindo no Norte de Florian\u00f3polis.<\/span><span class=\"vig\">Vigente em outubro de 2026<\/span><\/div><\/div>\n<div class=\"related\"><h3>Continue lendo<\/h3><ul class=\"rel\"><li><a href=\"\/wp\/guias\/imovel-na-planta-ou-renda-fixa-como-comparar\/\"><span class=\"ph\"><img decoding=\"async\" alt=\"Florian\u00f3polis, Norte da Ilha\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/10\/capa-plazofijo.jpg\"\/><\/span><span><span class=\"k\">Guia<\/span><b>Im\u00f3vel na planta ou renda fixa: como comparar de verdade<\/b><\/span><\/a><\/li><li><a href=\"\/wp\/guias\/como-acompanhar-uma-obra-a-distancia\/\"><span class=\"ph\"><img decoding=\"async\" alt=\"Florian\u00f3polis, Norte da Ilha\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/10\/capa-seguir-obra.jpg\"\/><\/span><span><span class=\"k\">Guia<\/span><b>Como acompanhar uma obra \u00e0 dist\u00e2ncia<\/b><\/span><\/a><\/li><li><a href=\"\/wp\/guias\/construtora-confiavel-em-florianopolis\/\"><span class=\"ph\"><img decoding=\"async\" alt=\"Florian\u00f3polis, Norte da Ilha\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/10\/capa-constructora.jpg\"\/><\/span><span><span class=\"k\">Guia<\/span><b>Antes de investir: como saber se a construtora \u00e9 confi\u00e1vel?<\/b><\/span><\/a><\/li><li><a href=\"\/wp\/guias\/itbi-florianopolis\/\"><span class=\"ph\"><img decoding=\"async\" alt=\"Florian\u00f3polis, Norte da Ilha\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/10\/capa-britbi.jpg\"\/><\/span><span><span class=\"k\">Guia<\/span><b>ITBI em Florian\u00f3polis: al\u00edquota, valor e como pagar<\/b><\/span><\/a><\/li><\/ul><\/div>\n<\/article>\n<aside>\n<div class=\"ph\"><img decoding=\"async\" alt=\"Uma pasta de documentos passando de uma m\u00e3o para outra sobre a mesa de um escrit\u00f3rio de vendas de im\u00f3veis.\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/10\/capa-brcessao.jpg\"\/><\/div>\n<nav aria-label=\"Neste guia\" class=\"toc toc-a\"><div class=\"t\">Neste guia<\/div><a href=\"#s1\">O que \u00e9 cess\u00e3o de direitos de um im\u00f3vel na planta?<\/a><a href=\"#calc\">A sua conta, em d\u00f3lares<\/a><a href=\"#s2\">Como fazer a cess\u00e3o de direitos de um im\u00f3vel na planta, passo a passo?<\/a><a href=\"#s3\">A cess\u00e3o de direitos de im\u00f3vel na planta paga ITBI?<\/a><a href=\"#s4\">Vale a pena comprar im\u00f3vel na planta para vender?<\/a><a href=\"#s5\">Qual imposto de renda se paga na revenda de um im\u00f3vel na planta?<\/a><a href=\"#s6\">Posso vender im\u00f3vel na planta financiado pela Caixa?<\/a><a href=\"#s7\">Como funciona a revenda do contrato durante a obra na Ceni &amp; Southier?<\/a><a href=\"#s8\">Antes de ceder ou comprar uma cess\u00e3o de direitos<\/a><a href=\"#s9\">Perguntas frequentes<\/a><\/nav>\n<div class=\"lado-fixo\">\n<nav aria-label=\"Neste guia\" class=\"toc toc-b\"><div class=\"t\">Neste guia<\/div><a href=\"#s1\">O que \u00e9 cess\u00e3o de direitos de um im\u00f3vel na planta?<\/a><a href=\"#calc\">A sua conta, em d\u00f3lares<\/a><a href=\"#s2\">Como fazer a cess\u00e3o de direitos de um im\u00f3vel na planta, passo a passo?<\/a><a href=\"#s3\">A cess\u00e3o de direitos de im\u00f3vel na planta paga ITBI?<\/a><a href=\"#s4\">Vale a pena comprar im\u00f3vel na planta para vender?<\/a><a href=\"#s5\">Qual imposto de renda se paga na revenda de um im\u00f3vel na planta?<\/a><a href=\"#s6\">Posso vender im\u00f3vel na planta financiado pela Caixa?<\/a><a href=\"#s7\">Como funciona a revenda do contrato durante a obra na Ceni &amp; Southier?<\/a><a href=\"#s8\">Antes de ceder ou comprar uma cess\u00e3o de direitos<\/a><a href=\"#s9\">Perguntas frequentes<\/a><\/nav>\n<div class=\"lado-wa\">\n<div class=\"rostos\"><img decoding=\"async\" alt=\"\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/09\/equipe-marcio-v2.jpg\"\/><img decoding=\"async\" alt=\"\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/09\/marlene-v3.jpg\"\/><img decoding=\"async\" alt=\"\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/10\/pedro-v8.jpg\"\/><\/div>\n<b>Vamos ver com os seus n\u00fameros?<\/b>\n<p>Voc\u00ea fala direto com a fam\u00edlia que constr\u00f3i, pelo WhatsApp.<\/p>\n<a class=\"btn btn-wa\" href=\"https:\/\/wa.me\/5548999049961?text=Ol%C3%A1%2C%20vim%20do%20site%20da%20Ceni%20%26%20Southier%2C%20li%20o%20guia%20%C2%ABCess%C3%A3o%20de%20direitos%C2%BB%20e%20quero%20fazer%20a%20conta%20com%20o%20meu%20valor.\" rel=\"noopener\" target=\"_blank\"><svg aria-hidden=\"true\" viewbox=\"0 0 24 24\"><path d=\"M12 2a10 10 0 0 0-8.6 15.1L2 22l5-1.3A10 10 0 1 0 12 2zm0 18.2a8.2 8.2 0 0 1-4.2-1.2l-.3-.2-3 .8.8-2.9-.2-.3A8.2 8.2 0 1 1 12 20.2zm4.5-6.1c-.2-.1-1.5-.7-1.7-.8s-.4-.1-.6.1-.6.8-.8 1-.3.2-.5.1a6.7 6.7 0 0 1-3.3-2.9c-.3-.4.2-.4.7-1.3.1-.2 0-.3 0-.4l-.8-1.8c-.2-.5-.4-.4-.6-.4h-.5a1 1 0 0 0-.7.3 3 3 0 0 0-.9 2.2 5.2 5.2 0 0 0 1.1 2.8 12 12 0 0 0 4.6 4c1.7.7 2.3.8 3.1.7a2.7 2.7 0 0 0 1.8-1.2 2.2 2.2 0 0 0 .1-1.2c0-.2-.2-.2-.4-.3z\"><\/path><\/svg><span>Fazer a conta comigo<\/span><\/a>\n<div class=\"mini-num\"><div><strong>0<\/strong>atrasos<\/div><div><strong>12<\/strong>obras<\/div><div><strong>+107%<\/strong>L\u00f3tus, US$<\/div><\/div>\n<\/div>\n<\/div>\n<\/aside>\n<\/div>\n<section class=\"proximo on-dark\" id=\"cta\">\n<div class=\"wrap\">\n<div class=\"eyebrow\">Pr\u00f3ximo passo<\/div>\n<h2>Quer saber como fica a revenda do seu contrato na obra?<\/h2>\n<p class=\"lead\">Conte o seu caso pelo WhatsApp. Mostramos o caminho da cess\u00e3o, os documentos e o que muda em cada etapa da obra.<\/p>\n<p class=\"pos serif\">A sa\u00edda durante a obra \u00e9 uma das formas de capturar a valoriza\u00e7\u00e3o do lan\u00e7amento; o caminho do seu contrato sai pelo WhatsApp.<\/p>\n<div class=\"acts\"><a class=\"btn btn-wa btn-big\" href=\"https:\/\/wa.me\/5548999049961?text=Ol%C3%A1%2C%20vim%20do%20site%20da%20Ceni%20%26%20Southier%20e%20quero%20os%20n%C3%BAmeros%20das%20obras%20entregues%2C%20com%20o%20contrato.\" rel=\"noopener\" target=\"_blank\"><svg aria-hidden=\"true\" viewbox=\"0 0 24 24\"><path d=\"M12 2a10 10 0 0 0-8.6 15.1L2 22l5-1.3A10 10 0 1 0 12 2zm0 18.2a8.2 8.2 0 0 1-4.2-1.2l-.3-.2-3 .8.8-2.9-.2-.3A8.2 8.2 0 1 1 12 20.2zm4.5-6.1c-.2-.1-1.5-.7-1.7-.8s-.4-.1-.6.1-.6.8-.8 1-.3.2-.5.1a6.7 6.7 0 0 1-3.3-2.9c-.3-.4.2-.4.7-1.3.1-.2 0-.3 0-.4l-.8-1.8c-.2-.5-.4-.4-.6-.4h-.5a1 1 0 0 0-.7.3 3 3 0 0 0-.9 2.2 5.2 5.2 0 0 0 1.1 2.8 12 12 0 0 0 4.6 4c1.7.7 2.3.8 3.1.7a2.7 2.7 0 0 0 1.8-1.2 2.2 2.2 0 0 0 .1-1.2c0-.2-.2-.2-.4-.3z\"><\/path><\/svg><span>Fale com um consultor de investimentos<\/span><\/a><a class=\"btn btn-ghost\" href=\"\/wp\/#obras\">Ver as 12 obras entregues<\/a><\/div>\n<span class=\"wa-nota\">Quem responde \u00e9 a fam\u00edlia Ceni, pelo WhatsApp.<\/span>\n<\/div>\n<\/section>\n<\/main>\n<footer class=\"rod-escuro\">\n<div class=\"wrap\">\n<img decoding=\"async\" alt=\"Ceni &amp; 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