:: ANTICIPATE

Anticipate is a product designed to allow developers to realize resources from delivered unit receivables while still in the construction phase.

Our Difference

• Agility without bureaucracy in the approval and monitoring of the transaction;
• Automatic exit from the development through standardized deeds upon unit delivery;
• The possiblity of regular cash flows for the project without the need for a bank.

Advantages

• Maximization of results;
• Lower costs in the execution of documents;
• Portfolio management by a specialized company.

PARAMETERS FOR ANALYSIS OF PURCHASES/SALES AGREEMENTS

Buyers	Up to 2 (two) applications/buyers who will live in the residence given term financing
	Negative results in credit search (Serasa)
Insurance	The applications/buyers should have, upon definitive title, no more than 64 years, ii months and 29 days.
Maximum Remaining Construction Term	12 months
Payment History	Post-delivery installments cannot be 25% higher than the pre-delivery installments.
	All due installments must be paid by the analysis date.
	There cannot have been a renegotiation of the debt.
	The applications/buyers should have signed the agreement upon the agreed date for delivery, have had a payment history of a minimum of 12 months, and only credits that are eliginle by the date of the purchase of the CCI are those that are current with their contractual obligations.
Agreements	Cannot contain clauses impeding the sale of the credit.
	The sales/purchase agreement containing the definitive deed with guarantee of “deed in trust” as a condition for delivery.

An analysis of the income of the applications/buyers will be done in the absence of a payment history, given that the ratio of the maximum monthly income to the payment installment cannot exceed 30% of gross income as per SAC – Constant Amortization System – or 25% of gross income as per TP- Price Table (verified by analysis).