Necessary Documentation to Buy a Property in 2025

Buying a property is one of the most important financial decisions anyone can make. But before closing the deal, it is crucial to be attentive to the required documentation. In 2025, the procedures have evolved, but attention to detail remains essential.

Ensuring that all paperwork is in order can prevent issues such as fraud, delays in delivery, or even invalidation of the purchase contract. Document verification is one of the pillars of a secure purchase, especially in times of digitalization and automation of processes.

In this complete guide, you will understand which documents are mandatory and how to obtain them.

Mandatory Documents for Buyer and Seller in 2025

Both the buyer and the seller must present a series of personal and property-related documents. This step is essential to ensure everything is regularized and that the property can be legally transferred.

Notaries and banks often require updated certificates, proof, and official records. The analysis of these documents serves to check for legal pendencies, debts, ownership history, and other conditions that impact the safety of the transaction.

Access the blog for more practical guides on buying and selling properties.

1. Documents of the Buyer

The main documents required from the buyer are:

• ID (RG, CPF, or CNH);
• Proof of marital status (marriage or birth certificate);
• Proof of current address;
• Proof of income (pay stub, bank statement, or income tax declaration);
• FGTS statement, if using it for financing.

In case of financing, the bank may also request a credit score, a certificate of no debt, and an analysis of payment capacity.

2. Documents of the Property and Seller

For the seller and the property, the main documents are:

• Updated property registration (issued by the Property Registry);
• Certificate of encumbrances and negative debt certificate;
• Current year's IPTU and proof of payment of condominium fees (if applicable);
• Certificate of occupancy (for new properties) and approved floor plan (when applicable);
• Personal documents of the seller and negative certificates (civil, labor, federal, state).

3. Additional Documents for Financing

If the purchase involves financing, the bank will require a more detailed analysis. In addition to the basic documents, you will need to submit:

• Income Tax Declaration;
• FGTS statement (if using it as down payment);
• Promise of sale contract;
• Full certificate of the property registration.