Documents Needed to Finance a Property: Complete Checklist

By Alessandro Lagden · August 24, 2026 · 6 min read · Cluster: Financing
Quick answer In general you will need your RG/CPF (Brazilian ID card and individual taxpayer number), proof of address, proof of income for the last 3 months (or 2 years if you are self-employed), your income tax return, a marital status certificate and, if you plan to use it, a statement from your FGTS (Brazil's workers' severance fund). Gathering everything in advance is what speeds up approval the most — delays usually come from an outdated document.

Nothing delays a financing approval more than finding out, halfway through the process, that a document is missing or out of date. This list brings together what is normally requested, both for a bank mortgage and for a direct purchase from the builder.

Personal documents checklist

Proof of income checklist

ProfileDocuments
Salaried employee (CLT, Brazil's formal employment regime)Pay stubs for the last 3 months + employment record booklet (carteira de trabalho)
Self-employedFull income tax return (last 2 years) + bank statement
Business owner / partnerPartner's remuneration (pró-labore), articles of association, company revenue and a statement from the accountant
Retiree/pensionerBenefit statement from the INSS (Brazil's social security institute)

Other important documents

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In practice The most common mistake we see: an expired proof of address (more than 90 days old) or an income tax return from previous years sent by mistake. It is always worth checking the issue date of each document before sending it.

This article is for general information only and does not replace guidance from a specific bank or financial institution. The exact list of required documents may vary by institution — always confirm with the lender or builder before gathering your paperwork.

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Frequently asked questions

Do self-employed buyers need different documents?
Yes. In addition to the standard documents, self-employed professionals and business owners usually need to provide proof of income for the last 2 years, such as the full income tax return, a revenue statement or a statement from their accountant.

Do I need to submit documents if I buy directly from the builder?
Usually yes, but the list tends to be shorter than for a full bank mortgage — many builders waive proof of income for smaller down payments.

Read now: Required Documents ↓ Gather the documents for your profile ↓ Simulate your installment (Financing Simulator) ↓ Talk to a specialist

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Rio Living Studios specializes in studios for real estate investment in Rio de Janeiro. Our job is to help investors and buyers find developments that match their profile, using market data, location analysis and appreciation potential.

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