Fiduciary Transfer of Real Estate: Extrajudicial Auction Guide

Note: This content describes Brazilian notary and registry law (Direito Notarial e Registral Brasileiro).

Title

Alienação Fiduciária de Imóveis: Default Notice, Consolidation of Ownership, and Extrajudicial Auction

Alienação fiduciária de imóveis: default notice, consolidation of ownership, and extrajudicial auction

FAQ

Como funciona a intimação por mora na alienação fiduciária de imóveis?

Notice occurs when the fiduciary creditor requests the real estate registry officer to notify the defaulting debtor. The officer or authorized deputy delivers the document in person or sends it through the titles and documents registry. This notice grants a legal deadline to pay overdue installments and charges.

Qual é o prazo para purgação da mora no registro de imóveis?

The legal deadline to cure default is 15 consecutive days after receipt of official service. During this period, the fiduciary debtor must pay the full amount of overdue installments, interest, fines, collection expenses, and registry fees directly at the competent registry office to avoid losing the property.

Como ocorre a consolidação da propriedade na alienação fiduciária de imóveis?

Once the 15-day period elapses without payment of the debt, the real estate registry officer certifies the uncured default. The creditor must pay the transfer tax (ITBI) so that definitive ownership of the property can be registered under their name on the property registration record.

Conteúdos relacionados

• Promise of Sale vs Definitive Deed: Registration Guide
• Fiduciary Transfer of Real Estate: Notice Guide
• Public Deed and Purchase and Sale Registration Checklist
• Reservation and Establishment of Usufruct: Guide and Differences
• ITBI Tax and Real Estate Registration Qualification

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