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Published June 18, 2025 | By RoccoImob
Acquiring a property under construction is one of the most efficient strategies for those looking for appreciation, planning and financial return. For those who want to buy off-plan property in Bombinhas, this can be an excellent opportunity to invest in one of the most promising regions of the Santa Catarina coast, with a high construction standard and continuous appreciation.
But before making this decision, it is essential to understand how this type of purchase works, what to analyze in the project and what precautions ensure a safe choice.
Why can the plant be a good business?
Off-plan properties offer clear advantages. The down payment is usually lower, the installment is more flexible and there are real chances of appreciation until the delivery of the keys.
In addition, you have the possibility to choose finishes and follow the evolution of the work from the beginning — which also provides more connection with the property.
In Bombinhas, the scenario is even more favorable. The limitation of available land, the control over new constructions and the profile of the public looking for high-end properties create a continuous demand for good locations and well-executed developments.
What to evaluate before buying?
To ensure that the purchase is safe and advantageous, it is worth carefully observing some criteria:
Construction company and project: Research the company’s history, see if it has already delivered other works in the city and evaluate the construction standard. Analyze the project carefully — floor plan, number of units, common areas, façade and differentials such as elevator or sea view.
Descriptive memorial: This is the technical document that details everything that will be delivered to the property. It is worth more than folders and illustrative images. It is where the materials, finishes and real specifications are.
Documentation and contract: Check if the project has a Registration of Incorporation (RI) at the real estate registry office — a document required by law. Read the purchase and sale agreement carefully and pay attention to the clauses on delivery time, correction of installments (usually by the INCC) and guarantees.
Location and appreciation: Choose the neighborhood based on your goal. Mariscal and Canto Grande are quieter and valued for their preserved nature. Bombas and Centro offer more mobility and infrastructure. The better the location, the greater the liquidity and return in the future.
Payment methods: Understand how the financial flow will be made — down payment, installments during the work, balance at delivery, possibility of financing. This should be clear from the start to avoid surprises.
The new Master Plan and the advantages for those who buy off-plan property
The update of the Master Plan is changing the city’s urban scenario, bringing direct advantages to those who invest now:
- Reduction of future supply: new rules limit buildings and density, making viable land scarcer.
- Appreciation of already approved projects: properties in the launch or construction phase tend to gain value faster.
- High demand for privileged locations: regions such as Mariscal and Canto Grande become even more disputed.
- Less future competition: those who buy now guarantee space in a market that will be increasingly restricted.
- Higher liquidity and potential return: scarce properties are usually in greater demand for resale or rental.
Buying in the plant at this time is investing with a long-term vision — anticipating changes and taking advantage of a unique moment in the local market.
Global scenario favors real estate as real assets
In addition to local changes in the urban market, the international landscape also influences investment decisions. Recent discussions about the economic policy of the United States have generated exchange rate instability, with analysts pointing to the risk of devaluation of the dollar in the coming years.
In contexts like this, real and tangible assets — such as real estate in valued regions — gain even more relevance. They work as capital protection, especially when combined with markets with constant demand and limited supply, as is the case of the Santa Catarina coast.
Buying a property in the plan now is not only anticipating the new urban restrictions, but also position your assets in a solid asset, valued in local currency, and with high liquidity potential. It is a practical response to a time when stability and long-term vision are once again a priority for those who invest.
Risks and how to avoid them
Buying off-plan is safe — as long as you take proper care. The main risks are related to delays in the work, delivery outside the promised standard, or legal problems.
To minimize this:
- Make sure there is a registered RI
- Check the reputation of the construction company
- Review the contract with expert help
- Follow the work schedule
- Count on a reliable real estate agency
Construction company or real estate company?
Many projects are sold directly by construction companies, but buying with the support of a specialized real estate agency makes all the difference. RoccoImob, for example, accompanies each step of the process — from choosing the ideal property to analyzing the contract, monitoring the work, and post-purchase assistance.
This brings more legal certainty, strategic vision and access to selected projects, based on their profile and objectives.
Costs beyond the value of the property
Don’t forget to consider the additional costs:
- ITBI (Real Estate Transfer Tax)
- Notary and deed fees
- Readjustment of installments during the construction (INCC)
- Any advisory fees, if provided
All of this needs to be planned from the beginning to ensure financial peace of mind during the process.
Conclusion
Buying a property off-plan goes beyond a simple real estate acquisition — it is a strategic decision. When made with criteria, technical monitoring and long-term vision, this choice can represent asset appreciation, comfort and financial security.
The city offers an ideal scenario for this type of investment: consolidated market, controlled urban expansion, strong tourist appeal and properties with high construction standards.
- See the region from a new angle with this interactive virtual tour—explore the beaches, streets, and unique lifestyle that make this destination a prized choice.
FAQs
1. Is it safe to buy off-plan property in Bombinhas?
Yes, as long as the property has a Registration of Incorporation and the construction company has a good reputation in the market.
2. Does the property in the plan appreciate until delivery?
Yes. With the limitation of land and the update of the Master Plan, properties tend to appreciate in value during the work.
3. Can I finance a property off-plan?
During the work, payment is made directly with the construction company. After delivery, the balance can be financed with banks.
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