I’m not convinced the clear property-tax answer is necessarily what makes them move. It may simply coincide with better-prepared sellers: realistic pricing, organised information and stronger motivation. Buyer financing can also stretch a transaction without proving there was much negotiation on...
The practical constraint is that the R$246,400 cannot cover two risks at once. A general living-cost reserve may look adequate until the villa needs a concentrated repair while the mortgage and household bills continue.
I would ring-fence the emergency fund, then create a separate...
I wouldn’t dismiss an early shift quite so quickly. More supply and a 105-day marketing period could matter if new-listing volume is rising while price cuts happen earlier. Withdrawn listings are important too: they can hide sellers who tested the market and refused lower offers.
I’d split the...