Your buyers' post-sale journey, with every step tracked.

Ristra coordinates documentation, mortgage, deed and registration according to each buyer's journey. Your team follows progress unit by unit and knows what is missing to move forward.

Talk about my development See the journey

The operation in numbers

partner developers: 7
units in process: 200+
in transacted value: R$550M+
time reduction: 40%
satisfaction rate: 96%

Satisfaction: customer-service CSAT among buyers, surveyed at each stage milestone. Based on surveys sent through September 20, 2026. Source: Customer Success.

When the operation comes in

Three situations where Ristra takes over coordination

The partnership starts when a developer has buyers who need to complete a mortgage, a deed or a registration. The most common cases:

Project delivery

The occupancy permit is out and dozens of buyers need, all at once, to close their mortgage or sign the deed and register the unit. Ristra organizes the queue, serves each buyer and keeps the developer informed unit by unit.

Handover to bank financing

Buyers with a balance to finance need to close the contract with the lender so the funds can be transferred. Ristra guides the paperwork and follows each application until the bank releases the funds.

Portfolio with open items

Units sold long ago and still without a deed or registration, buyers who stopped halfway, incomplete paperwork. Ristra maps the portfolio, resumes contact and drives each case to completion.

Scope and limits

What Ristra coordinates and what stays with each party

Ristra provides advisory and coordination. Credit, deed and registration acts stay with the parties legally entitled to perform them.

What Ristra does

Serves each buyer, explains the steps and gathers the required documents.
Guides the simulation and the mortgage application with the lenders and answers the bank's requests.
Structures real estate consortia for the construction and for buyers: share portfolios, contemplations and letter assignment with the partner administrator.
Prepares the deed draft, coordinates approval by all parties and the scheduling with the notary.
Guides the transfer tax filing with the city and follows the issuance of the payment slip.
Files the title with the Property Registry, follows any requirements and confirms the updated title record.
Keeps the developer informed unit by unit: current stage, open item and next step.

What stays with each party

Bank: Analyzes credit, appraises the property, sets the terms and releases the mortgage.
Notary office: Executes the public deed, the document that formalizes the purchase and sale, identifying the parties and the terms of the deal.
Property Registry: Registers the title. In a purchase and sale, it is the registration that transfers ownership.
Developer: Provides the project and unit documents, approves the draft, signs as seller and names a person responsible for decisions along the process.

In certain mortgage operations provided for by law, the loan contract may have the effect of a public deed and go to registration without a separate deed. Ristra organizes and follows the procedure that applies to each case.

What changes

For the buyer and for the developer

For the buyer

One point of contact for every step, from the first document to the updated title record.
Knows which stage the case is in, what is missing and who is handling it.
No charge for Ristra's service within the partnership. Pays only taxes, notary and registry fees and bank charges, disclosed separately.

For the developer

Your team stops answering paperwork questions and starts tracking indicators per unit.
A consolidated view of the portfolio: how many units have started, how many are in progress and how many are complete.
Fewer units stalled by buyer-side open items and a more predictable timeline for the transfer of funds.
Periodic reports with the buyer list and the next steps of each case.

The journey

Every buyer, step by step

Every case goes through the same macro stages. The developer follows the current stage, open items and next step of each unit, without chasing anyone.

Ristra Platform · illustrative example

Case #1024

Horizonte Residences · Unit 302 · Tower B

In progress

Stage 1 of 8

Current stage

Simulation

Next step

Choosing the bank and the offer

Open items

No open items

WhatsApp update

Ristra case owner

Simulation done. Offers ready for the buyer to compare.

01
Simulation
We guide the simulation with the lenders and present the buyer with the rate and term options for their profile.
WhatsApp update
Ristra case owner
Simulation done. Offers ready for the buyer to compare.
02
Choosing the bank and the offer
The buyer picks the bank and the offer that make the most sense. No commitment up to this point.
WhatsApp update
Ristra case owner
Offer chosen. Sending the list of documents the bank requires.
03
Document collection
We gather the required documents and help fill out the bank's forms.
WhatsApp update
Ristra case owner
2 documents missing: proof of income and marital status certificate.
04
Credit analysis
The bank checks income, history and the property's legal status. We follow up and answer every request.
WhatsApp update
Ristra case owner
File sent to the bank. We will let you know as soon as the analysis comes back.
05
Inspection and appraisal
The bank appraises the property, on site or remotely. Once approved, the contract is generated.
WhatsApp update
Ristra case owner
Bank inspection scheduled. We will let you know if anything is needed.
06
Contract review and signing
We check the details of the bank's contract before sending it to the buyer. Signing can be electronic or in person, depending on the bank.
WhatsApp update
Ristra case owner
Contract checked. Ready for signing.
07
Transfer tax
We guide the tax filing with the city and follow the issuance of the payment slip.
WhatsApp update
Ristra case owner
Transfer tax slip issued. Sending the payment instructions.
08
Registration and disbursement
We file the contract with the Property Registry and follow any requirements. Once registered, the bank releases the funds.
WhatsApp update
Ristra case owner
Registration complete. Funds released to the developer.

Tracking per unit

Your team knows what is missing in each unit

The developer receives the consolidated portfolio: current stage, open item and who it is waiting on, unit by unit. Below, an example of how the information is presented.

Illustrative example

Unit	Current stage	Open item	Waiting on	Status
Unit 302	Credit analysis	None	Bank	In progress
Unit 1104	Deed signing	Draft approval	Developer	Open item
Unit 507	Registration complete	None	Ristra	Done
Unit 808	Document collection	2 documents	Buyer	Open item
Unit 1201	Transfer tax	Tax slip payment	Buyer	Open item

The data above is fictional and only shows the format of the tracking.

What the developer's team can do

See which units have an open item and who it depends on: buyer, bank, notary or registry, or the developer itself.
Identify the Ristra case owner for each unit and talk to them directly.
Follow how stages evolve and compare progress across units and projects.

Onboarding

How the partnership starts

From the first contact to serving the buyers, onboarding follows four steps.

1
Initial conversation
We get to know the project, the sales stage and the buyer portfolio: how many units, how many with a mortgage, how many with open items.
2
Contract and points of contact
We formalize the partnership in a service agreement and define the points of contact on both sides.
3
Portfolio upload
The developer sends the list of units and buyers along with the project documents. Ristra organizes the base and prioritizes the cases.
4
Service starts
Buyers are contacted by Ristra on behalf of the developer and the journey begins, with periodic reports for your team.

Who takes part on the developer's side

A sales or post-sale lead, who answers for decisions along the process and receives the reports.
Legal to review the draft and a representative with powers to sign on behalf of the developer.

Onboarding timeline: Set in the initial conversation, based on the size of the buyer portfolio

Commercial model

No cost for the developer or the buyer within the partnership

Who pays for what in the journey with Ristra.

Developer

R$ 0

No charge for coordinating your buyers' post-sale journey.

Buyer

R$ 0

Nothing for Ristra's service. Only the legal costs of the transfer, which would exist anyway and are disclosed separately:

Transfer taxcity hall
Deednotary
RegistrationProperty Registry
Bank chargesbank

Partner bank

Pays Ristra

Ristra is compensated by the partner lender. That is what allows zero cost for the developer and the buyer within the partnership.

Talk about my development

Frequently asked questions

In a post-sale service agreement between Ristra and the developer. It defines the coordinated scope, the points of contact on both sides and the flow of information and documents.

The term and termination conditions are set out in the agreement.

No. The agreement does not provide for exclusivity.

Within the partnership, neither the developer nor the buyer pays for Ristra's service. Compensation comes from the partner lender.

The buyer remains responsible for taxes, notary and registry fees and bank charges, which are disclosed separately.

Each buyer has a Ristra case owner who reaches out on behalf of the developer, explains the steps, requests the documents and sends WhatsApp updates at every milestone. The developer follows the same progress unit by unit.

We can look into integrating with the developer's system. Today, tracking is done through Ristra's dashboard, with the status per unit and periodic reports.

They do not start over. During the portfolio upload, the developer reports what has already been done per unit (application sent to the bank, draft under approval, transfer tax paid). Ristra checks what was done and agrees on resuming from the stage identified.

Shall we talk about your development?

Tell us the sales stage and the size of the portfolio. Our team gets back to you to set up a conversation.