Discover Affordable Homeownership: Shared Ownership Homes in Birmingham

Shared Ownership Homes Birmingham: A Comprehensive Guide to Affordable Homeownership

Shared ownership homes in Birmingham provide an innovative solution to the challenge of homeownership, particularly for first-time buyers and those with modest incomes. This scheme allows individuals to purchase a percentage share of a property, typically ranging from 25% to 75%, while paying rent on the remaining portion. This arrangement enables buyers to step onto the property ladder with a smaller deposit and more manageable mortgage payments, making homeownership more accessible and achievable.

The significance of shared ownership homes in Birmingham lies in addressing the affordability crisis and promoting social mobility. By lowering the initial financial burden of purchasing a property, this scheme opens up opportunities for individuals and families who might otherwise be excluded from the housing market. Additionally, shared ownership provides a pathway for gradual homeownership, allowing buyers to increase their share in the property over time as their financial situation improves.

In the following sections, we will delve deeper into the intricacies of shared ownership homes in Birmingham. We will explore the eligibility criteria, application process, financial implications, and potential challenges associated with this scheme. Furthermore, we will provide insights into the benefits of shared ownership, including the opportunity to build equity, the flexibility to move up the property ladder, and the potential for long-term financial savings.

Shared Ownership Homes Birmingham

Shared ownership homes in Birmingham offer a unique path to homeownership, providing several key advantages and considerations for prospective buyers. Understanding these aspects is crucial for making informed decisions about this scheme.

Shared Equity: Buyers own a percentage share of the property.
Rent & Mortgage: Pay rent on the remaining share and a mortgage on the owned share.
Deposit & Affordability: Requires a smaller deposit, making it more accessible.
Property Ladder Progression: Opportunity to increase ownership share over time.
Eligibility Criteria: Based on income, household size, and property value.
Financial Implications: Monthly payments include rent, mortgage, and service charges.
Exit Strategy: Can sell the share or staircase to full ownership.
Resale Restrictions: May have restrictions on selling or subletting the property.
Shared Ownership Providers: Partner with housing associations or developers.
Nationwide Scheme: Available in Birmingham and across the UK.

The key points highlighted above provide a comprehensive overview of shared ownership homes in Birmingham. The scheme offers an alternative route to homeownership, particularly for first-time buyers or those with limited financial resources. However, it also comes with specific criteria, financial obligations, and potential restrictions. Understanding these aspects is essential for determining whether shared ownership is the right choice for individual circumstances and long-term housing goals.

Shared Equity: Buyers own a percentage share of the property.

In shared ownership, buyers possess a percentage stake in the property, typically ranging from 25% to 75%. This arrangement differs from traditional homeownership, where buyers acquire full ownership of the property.

Shared Ownership vs. Full Ownership: In shared ownership, buyers own a portion of the property, while in full ownership, buyers possess the entire property.
Financial Implications: Shared ownership requires a smaller deposit, making it more accessible. However, buyers pay rent on the share they don’t own and a mortgage on the share they own.
Property Progression: Shared ownership provides flexibility. Buyers can increase their ownership share over time, eventually reaching full ownership.
Shared Equity & Property Value: The value of the shared equity increases or decreases based on market fluctuations, potentially leading to financial gain or loss.

Shared equity in Birmingham’s housing market offers advantages to eligible buyers. It allows them to step onto the property ladder with a lower upfront cost and gradually increase their ownership stake as their financial situation improves. However, it’s important to carefully consider the ongoing financial obligations, including rent, mortgage, and service charges, to ensure long-term affordability.

Rent & Mortgage: Pay rent on the remaining share and a mortgage on the owned share.

In shared ownership homes in Birmingham, buyers pay rent on the share of the property they don’t own and a mortgage on the share they own. This arrangement has several implications:

Affordability: Shared ownership makes homeownership more affordable by reducing the initial deposit and monthly mortgage payments. This is particularly beneficial for first-time buyers and those with modest incomes.
Financial Obligations: Buyers must manage both rent and mortgage payments, which can be a significant financial commitment. It’s essential to carefully assess affordability and ensure that the total monthly payments align with the household budget.
Equity Building: As buyers pay off their mortgage, they build equity in the property. This equity can be leveraged in the future to increase the ownership share or sell the property at a profit.

For example, consider a shared ownership property in Birmingham priced at 200,000. If a buyer purchases a 25% share, they would pay a deposit of 10,000 and take out a mortgage of 75,000. The monthly mortgage payments would be lower than if they were purchasing the entire property, but they would also pay rent on the remaining 75% share.

Understanding the rent and mortgage payments associated with shared ownership homes in Birmingham is crucial for potential buyers. It allows them to make informed decisions about affordability, assess their long-term financial obligations, and plan for future homeownership goals.

Challenge: Balancing rent and mortgage payments can be challenging, especially if interest rates rise or household income decreases. It’s important to carefully consider the long-term financial implications and have a plan in place to manage potential financial fluctuations.

Broader Connection: Understanding the rent and mortgage payments in shared ownership homes is a key aspect of evaluating the overall affordability and suitability of this scheme for individual circumstances. This knowledge contributes to a comprehensive understanding of shared ownership homes in Birmingham and helps potential buyers make informed decisions about their homeownership journey.

Deposit & Affordability: Requires a smaller deposit, making it more accessible.

In the context of shared ownership homes in Birmingham, the aspect of “Deposit & Affordability: Requires a smaller deposit, making it more accessible” holds significant relevance. It addresses the affordability concerns that often hinder homeownership, particularly for first-time buyers and those with modest incomes.

Reduced Upfront Cost: Shared ownership allows buyers to purchase a percentage share of a property, typically ranging from 25% to 75%, instead of the entire property. This significantly reduces the upfront deposit required compared to traditional homeownership, making it more financially feasible for eligible individuals and households.
Lower Mortgage Amount: Since buyers are only purchasing a portion of the property, the mortgage amount they need to secure is proportionally lower. This results in lower monthly mortgage payments, easing the financial burden and making homeownership more attainable for those with limited resources.
Gradual Homeownership Pathway: Shared ownership provides a gradual pathway to full homeownership. Buyers can start with a smaller share and gradually increase their ownership stake over time as their financial situation improves. This allows them to build equity and eventually own the property outright without the pressure of having to come up with a large deposit upfront.
Increased Affordability in Birmingham: Birmingham’s housing market offers relatively affordable properties compared to other regions in the UK. This affordability, coupled with the shared ownership scheme, creates an opportune environment for individuals and families to enter the property market and achieve their homeownership aspirations.

The reduced deposit requirement and lower mortgage payments associated with shared ownership homes in Birmingham open up new possibilities for homeownership, particularly for those who might otherwise be priced out of the market. This aspect of shared ownership aligns with the broader goal of increasing affordability and accessibility in the housing sector.

Property Ladder Progression: Opportunity to increase ownership share over time.

The concept of “Property Ladder Progression: Opportunity to increase ownership share over time” is a key aspect of shared ownership homes in Birmingham, allowing buyers to gradually expand their stake in the property and eventually achieve full ownership. This flexibility and potential for growth make shared ownership an attractive option for those seeking a path to homeownership.

Staircasing: Staircasing is the process of buying additional shares in the property over time. Buyers can choose to increase their ownership share in increments, typically ranging from 5% to 25%, as their financial situation permits.
Financial Benefits: As buyers increase their ownership share through staircasing, they gain more control over the property and build equity. This can lead to financial benefits, such as lower rent payments and increased equity value.
Flexibility and Control: Shared ownership provides buyers with the flexibility to adjust their ownership share based on their changing needs and financial circumstances. They can staircase up to increase their ownership stake or staircase down to reduce their financial commitment if needed.
Eventual Full Ownership: The ultimate goal of shared ownership is to achieve full ownership of the property. By gradually increasing their ownership share through staircasing, buyers can eventually own the property outright and enjoy the full benefits of homeownership.

The property ladder progression aspect of shared ownership offers a unique opportunity for buyers to enter the housing market with a smaller initial investment and gradually build their ownership stake over time. This flexibility and potential for growth make shared ownership an attractive option for those seeking an affordable and sustainable path to homeownership in Birmingham.

In comparison to traditional homeownership, where buyers are required to purchase the entire property upfront, shared ownership provides a more gradual and manageable approach to homeownership. Buyers can start with a smaller ownership share and increase it as their financial situation improves, allowing them to build equity and gain control over their property at a pace that suits their needs.

Eligibility Criteria: Based on income, household size, and property value.

The eligibility criteria for shared ownership homes in Birmingham play a crucial role in determining who can participate in this scheme and the terms of their ownership. These criteria are based on income, household size, and property value, and they serve several important purposes.

Firstly, the income and household size criteria ensure that shared ownership homes are targeted towards households who genuinely need affordable housing. By prioritizing those with lower incomes and smaller households, the scheme helps to address the housing needs of those who may otherwise struggle to find suitable and affordable accommodation. This alignment with the goal of providing accessible homeownership opportunities is a defining characteristic of shared ownership in Birmingham.

Secondly, the property value criteria help to ensure that shared ownership homes are available across a range of property types and prices. By setting limits on the maximum property value, the scheme prevents it from being used to purchase high-value properties that are beyond the reach of most first-time buyers and low-income households. This focus on affordability ensures that shared ownership remains a viable option for those who need it most.

Understanding the eligibility criteria for shared ownership homes in Birmingham is essential for potential buyers to determine if they qualify for the scheme and to understand the terms of their ownership. These criteria are designed to ensure that shared ownership is targeted towards those who need it most and to provide affordable homeownership opportunities across a range of property types and prices.

Challenge: One potential limitation of the eligibility criteria is that they may exclude some households who are just above the income or household size limits. This could result in some households being unable to access shared ownership homes, even if they are struggling to afford traditional homeownership. Expanding the eligibility criteria to include a wider range of households could help to address this issue and make shared ownership more accessible to those in need.

Broader Connection: Understanding the eligibility criteria for shared ownership homes in Birmingham is not only important for potential buyers but also for policymakers and housing providers. By analyzing the criteria and their impact on the scheme, policymakers can make informed decisions about how to improve the scheme’s effectiveness and ensure that it is meeting the needs of those who need affordable housing the most.

Financial Implications: Monthly payments include rent, mortgage, and service charges.

Understanding the financial implications of shared ownership homes in Birmingham is crucial for potential buyers to make informed decisions. Monthly payments associated with shared ownership include rent, mortgage, and service charges, each with its own implications and considerations.

Rent:
Rent is paid to the housing association or developer for the portion of the property that is not owned. Rent payments are typically lower than traditional rent payments, as they are calculated based on a percentage of the property’s value rather than the entire value.
Mortgage:
Buyers take out a mortgage to cover the portion of the property that they own. Mortgage payments are typically lower than traditional mortgage payments, as the loan amount is smaller. However, it’s important to remember that interest is still charged on the mortgage, so the total amount paid over time will be higher than the initial loan amount.
Service Charges:
Service charges cover the cost of maintaining and managing the property, such as cleaning, gardening, and repairs. These charges are typically shared among all owners in the development and are paid monthly or annually.
Other Costs:
In addition to the monthly payments, buyers may also be responsible for other costs associated with homeownership, such as property insurance, council tax, and utility bills.

The financial implications of shared ownership homes in Birmingham can vary depending on the property’s value, the size of the share purchased, and the interest rate on the mortgage. It’s important for potential buyers to carefully consider all of these factors and ensure that they can afford the monthly payments before committing to a shared ownership purchase.

Comparing Rent and Mortgage: When considering the financial implications of shared ownership, it’s important to compare the rent and mortgage payments. While the rent payments are typically lower than traditional rent payments, the mortgage payments may be higher than traditional mortgage payments due to the higher interest rates associated with shared ownership mortgages. Potential buyers should carefully assess both types of payments to determine the overall affordability of shared ownership.

Exit Strategy: Can sell the share or staircase to full ownership.

The exit strategy for shared ownership homes in Birmingham offers two primary options: selling the share or staircasing to full ownership. Understanding these options and their implications is crucial for buyers considering shared ownership.

Selling the Share:
Owners can sell their share of the property on the open market. The proceeds from the sale are divided between the owner and the housing association or developer, based on the percentage of ownership. This option provides flexibility for owners who need to move or wish to access the equity they have built up in the property.
Staircasing to Full Ownership:
Owners can gradually increase their ownership share by purchasing additional shares over time, a process known as staircasing. This allows them to eventually own the property outright. Staircasing can be done in increments, typically ranging from 5% to 25% of the property’s value. As the owner’s share increases, their rent payments decrease, and their equity in the property grows.
Implications of Selling:
Selling the shared ownership share may result in a financial gain or loss, depending on market conditions and the property’s value at the time of sale. Owners may also need to pay fees and charges associated with the sale, such as estate agent fees and legal fees.
Implications of Staircasing:
Staircasing allows owners to increase their control and equity in the property, but it also increases their financial commitment. With each additional share purchased, the owner takes on more mortgage debt and associated costs. Owners should carefully consider their financial situation and long-term plans before committing to staircasing.

The exit strategy options available in shared ownership homes in Birmingham provide flexibility and potential financial benefits for owners. Selling the share allows owners to access the equity they have built up and move on to other housing options, while staircasing offers a path to full ownership and the associated benefits of traditional homeownership.

Resale Restrictions: May have restrictions on selling or subletting the property.

Resale restrictions are a crucial aspect of shared ownership homes in Birmingham, impacting the ability of owners to sell or sublet their properties. These restrictions are imposed by housing associations or developers to ensure the scheme remains affordable and accessible to those who genuinely need it.

One primary reason for resale restrictions is to prevent shared ownership homes from being sold at a profit. This is achieved by limiting the selling price to the original purchase price plus a percentage increase based on market value inflation. This restriction ensures that the homes remain affordable for subsequent buyers, fulfilling the scheme’s objective of providing long-term affordable homeownership.

Another key consideration is the right to first refusal. In most cases, housing associations or developers have the first right to purchase the property if the owner decides to sell. This right is exercised to maintain control over the sale process and ensure that the property remains within the shared ownership scheme. Furthermore, it prevents the property from being sold to investors or individuals who may not be eligible for shared ownership.

Understanding resale restrictions is essential for potential buyers considering shared ownership homes in Birmingham. These restrictions are designed to protect the integrity of the scheme and ensure its long-term viability. They also safeguard the interests of existing and future shared owners, guaranteeing that the homes remain affordable and accessible to those in need.

Challenge: Resale restrictions may limit the owner’s ability to sell the property quickly or at the desired price. Balancing the need for affordability with the owner’s right to sell the property at a fair market value can be challenging.

Broader Connection: Understanding resale restrictions is crucial for comprehending the overall framework of shared ownership homes in Birmingham. These restrictions contribute to the scheme’s sustainability, affordability, and accessibility, aligning with its primary goal of providing homeownership opportunities to those who might otherwise be excluded from the traditional housing market.

Shared Ownership Providers: Partner with housing associations or developers.

In the context of shared ownership homes in Birmingham, the involvement of shared ownership providers, which encompass housing associations and developers, plays a pivotal role in making this housing scheme a reality.

Partnership and Function: Shared ownership providers collaborate to create and manage shared ownership housing developments in Birmingham. Housing associations, often non-profit organizations, possess expertise in affordable housing and community development. They work closely with developers, who bring construction and project management capabilities, to acquire land, build properties, and ensure the timely completion of shared ownership developments.

Shared Responsibilities: The partnership between housing associations and developers extends beyond the initial development phase. They jointly oversee the allocation of shared ownership properties to eligible buyers, ensuring that these homes reach those who genuinely need them. Additionally, they provide ongoing support and guidance to shared owners, assisting them with any queries or issues that may arise during their shared ownership journey.

Examples in Birmingham: Several prominent shared ownership developments in Birmingham have emerged through the collaboration of housing associations and developers. For instance, the “Birmingham Municipal Housing Trust” and “Barratt Homes” have partnered to deliver over 200 shared ownership homes in the city, providing affordable homeownership opportunities for first-time buyers and families. Another notable example is the “Midland Heart” and “Taylor Wimpey” partnership, which has resulted in the construction of over 100 shared ownership properties in Birmingham, contributing to the city’s efforts to address the housing shortage.

Practical Significance: Understanding the role of shared ownership providers in Birmingham is crucial for potential buyers seeking to purchase a shared ownership home. By engaging with these providers, individuals can gain access to information about available properties, eligibility criteria, and the application process. Furthermore, shared ownership providers offer support and guidance throughout the buying process, ensuring that buyers make informed decisions and have a smooth homeownership experience.

Challenge: Despite the positive impact of shared ownership providers, there remains a challenge in balancing the need for affordability with the financial viability of these schemes. Shared ownership providers must carefully manage their costs to keep properties affordable while also ensuring the long-term sustainability of their operations.

Broader Connection: The understanding of shared ownership providers’ role in Birmingham contributes to a comprehensive grasp of the shared ownership housing model. It highlights the collaborative efforts of housing associations and developers in addressing the housing needs of the city’s residents, ultimately promoting social inclusion and economic mobility through homeownership.

Nationwide Scheme: Available in Birmingham and across the UK.

The “Nationwide Scheme: Available in Birmingham and across the UK.” holds significance in the context of shared ownership homes in Birmingham, as it underscores the broader availability and reach of this housing model beyond the city’s boundaries.

National Availability:
The shared ownership scheme is not limited to Birmingham alone; it is a nationwide initiative supported by the UK government. This means that individuals and families across England can explore shared ownership as a viable path to homeownership.
Local Variations:
While the core principles of shared ownership remain consistent across the UK, there may be slight variations in the implementation and specific criteria based on regional factors and local housing markets. It is important for prospective buyers to research and understand the specific terms and conditions applicable in their area.
Shared Ownership Providers:
The shared ownership scheme is facilitated by various housing associations and developers across the UK. These providers work in partnership to identify suitable properties, build new developments, and manage the allocation and sale of shared ownership homes. The involvement of multiple providers ensures a diverse range of properties and locations to choose from.
Eligibility and Criteria:
The eligibility criteria for shared ownership homes are generally consistent across the UK, with some variations in income and household size limits based on regional affordability levels. However, the specific selection process and property allocation procedures may differ among shared ownership providers.

Understanding the nationwide scope of the shared ownership scheme provides a broader perspective on its impact and accessibility. It allows potential buyers to explore opportunities not only in Birmingham but also in other regions of the UK, expanding their options for finding a suitable shared ownership home.

Compare & Contrast: Shared Ownership vs. Other Affordable Housing Schemes: The nationwide availability of shared ownership homes in Birmingham and across the UK sets it apart from other affordable housing schemes that may have more localized or limited reach. Shared ownership offers a standardized and portable approach to affordable homeownership, enabling individuals and families to move between different regions if needed.

FAQ

This section addresses frequently asked questions about shared ownership homes in Birmingham, providing insightful answers to common queries and concerns.

Question 1: What are the eligibility criteria for shared ownership homes in Birmingham?
Answer: To be eligible for shared ownership homes in Birmingham, you typically need to be a first-time buyer, have a household income below a certain threshold, and be able to afford the monthly rent and mortgage payments. The specific criteria may vary depending on the shared ownership provider and the property.Question 2: What is the minimum deposit required for a shared ownership home in Birmingham?
Answer: The minimum deposit required for a shared ownership home in Birmingham typically ranges from 5% to 10% of the property’s value. This is significantly lower than the deposit required for a traditional mortgage, making shared ownership an attractive option for those with limited savings.Question 3: How do I apply for a shared ownership home in Birmingham?
Answer: To apply for a shared ownership home in Birmingham, you can contact a shared ownership provider or a mortgage lender that offers shared ownership mortgages. You will need to provide information about your income, household size, and current housing situation. The provider or lender will assess your eligibility and guide you through the application process.Question 4: Can I sell my shared ownership home in Birmingham?
Answer: Yes, you can sell your shared ownership home in Birmingham. However, there may be restrictions on selling the property, such as the requirement to sell it back to the shared ownership provider or to sell it at a price that is no higher than the original purchase price plus a percentage increase based on market value inflation.Question 5: What are the benefits of shared ownership homes in Birmingham?
Answer: Shared ownership homes in Birmingham offer several benefits, including the opportunity to own a home with a smaller deposit, lower monthly payments compared to traditional mortgages, and the chance to increase your ownership share over time. Shared ownership also provides a pathway to full homeownership, allowing you to eventually own the property outright.Question 6: What are the challenges of shared ownership homes in Birmingham?
Answer: Some potential challenges associated with shared ownership homes in Birmingham include the restrictions on selling the property, the potential for rent increases, and the requirement to pay both rent and mortgage payments. Additionally, shared ownership may not be suitable for those who need to move frequently or who want to make significant changes to their property.

These FAQs provide essential information about shared ownership homes in Birmingham, addressing important aspects such as eligibility, application, costs, and potential challenges. By understanding these factors, prospective buyers can make informed decisions about whether shared ownership is the right choice for their homeownership journey.

In the next section, we will delve deeper into the financial implications of shared ownership homes in Birmingham, exploring the rent and mortgage payments, service charges, and other associated costs.

Dicas

Esta seo oferece dicas prticas para ajud-lo a compreender melhor o esquema de casas de propriedade compartilhada em Birmingham e a aproveitar ao mximo esta oportunidade de adquirir uma casa.

Dica 1: Pesquise e compare:
Antes de se candidatar a uma casa de propriedade compartilhada, pesquise e compare diferentes opes disponveis em Birmingham. Verifique os preos, as localizaes e as condies oferecidas por diferentes associaes habitacionais e construtoras.Dica 2: Avalie sua situao financeira:
Calcule cuidadosamente suas finanas para garantir que voc possa pagar o aluguel, a hipoteca e as despesas mensais associadas propriedade compartilhada. Certifique-se de levar em considerao o aumento potencial dos juros da hipoteca no futuro.Dica 3: Obtenha aconselhamento profissional:
Consulte um corretor hipotecrio ou um consultor financeiro para obter aconselhamento profissional sobre o esquema de propriedade compartilhada. Eles podem ajud-lo a entender as implicaes financeiras e legais envolvidas e garantir que voc tome a deciso certa.Dica 4: Escolha uma associao habitacional ou construtora confivel:
Pesquise a reputao da associao habitacional ou construtora antes de se candidatar a uma casa de propriedade compartilhada. Certifique-se de que eles tenham um histrico positivo e sejam conhecidos por oferecer um bom servio aos proprietrios.Dica 5: Leia atentamente o contrato de propriedade compartilhada:
Antes de assinar o contrato de propriedade compartilhada, leia-o atentamente e certifique-se de entender todas as condies, restries e obrigaes envolvidas. Se voc tiver alguma dvida, consulte um advogado imobilirio para obter esclarecimentos.Dica 6: Planeje para o futuro:
Considere seus planos futuros ao se candidatar a uma casa de propriedade compartilhada. Se voc pretende aumentar sua participao na propriedade ou vend-la no futuro, certifique-se de que o contrato permita essas opes.Dica 7: Esteja preparado para as responsabilidades de propriedade:
Como proprietrio compartilhado, voc ser responsvel pela manuteno e reparos da sua casa. Certifique-se de estar preparado para essas responsabilidades e tenha um oramento disponvel para cobrir quaisquer despesas inesperadas.Dica 8: Esteja ciente das restries de venda:
As casas de propriedade compartilhada podem ter restries de venda, como a necessidade de oferec-las primeiro associao habitacional ou construtora antes de vend-las a terceiros. Esteja ciente dessas restries antes de se candidatar a uma casa de propriedade compartilhada.

Ao seguir essas dicas, voc pode aumentar suas chances de sucesso ao se candidatar a uma casa de propriedade compartilhada em Birmingham e aproveitar ao mximo esta oportunidade de adquirir uma casa.

Embora o esquema de propriedade compartilhada possa ser uma tima opo para muitas pessoas, importante lembrar que h responsabilidades e obrigaes associadas a esse tipo de propriedade. Ao seguir as dicas acima, voc pode minimizar os riscos e maximizar os benefcios da propriedade compartilhada.

Na seo de concluso, discutiremos os benefcios a longo prazo da propriedade compartilhada e como ela pode ajud-lo a atingir seus objetivos financeiros e de moradia.

Concluso

O esquema de casas de propriedade compartilhada em Birmingham oferece uma soluo inovadora para o desafio da aquisio de moradia, especialmente para compradores de primeira viagem e pessoas com renda modesta. O artigo explorou os principais aspectos deste esquema, desde sua definio e relevncia at os benefcios e desafios associados a ele.

Concluindo, o esquema de propriedade compartilhada em Birmingham apresenta vantagens significativas para compradores elegveis, fornecendo uma oportunidade acessvel de adquirir uma casa com um depsito menor e pagamentos mensais mais baixos do que os de uma hipoteca tradicional. Ademais, ele permite que os compradores aumentem sua participao na propriedade ao longo do tempo, proporcionando flexibilidade e o potencial de ganho de patrimnio. No entanto, importante considerar as obrigaes financeiras e as restries associadas a esse tipo de propriedade antes de fazer uma deciso.