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__________________
www.mjrdevelopments.com/ www.rosegardenbrazil.com

Who have I misquoted? And I didn't say it wasn't possible to open an account. What I did say was that banks today aren't opening C5 account anymore...and haven't for quite some time. Aren't you the guy that's advising people to get student visa's to open up bank accounts?? Read what I wrote. Are you in Brazil? Let me guess, you're sitting in Europe or North America. How many accounts have you opened over the last year for foreigners that don't have a permanent visa? Are they aware that these accounts very likely will be closed....it's only a matter of time. It doesn't matter if they're doing anything wrong or not....that's not the issue.

Can you send and receive international bankwires? How long have the accounts been open?

Once again, I've stated today's reality in Brazil. It doesn't surprise me in the slightest that you're the owner of cpf services.....guessed that one right, it all makes sense now.

So, how much do you charge for this service to get a cpf card for someone that here in Brazil costs R5.50 or 1.70 GBP?

__________________
www.mjrdevelopments.com/ www.rosegardenbrazil.com

My own experience from Feb 2006 when I first tried, was that I was not allowed to open an account at Itau, Bradesco, Bank of Brasil, Banco Real, Caixa Economica, SudAmeris, Unibanco, and a few other smaller ones, without my RNE residents number.

If Shawn can enlighten us on where to apply and be accepted, without the risk of the account being closed for the reasons that Ralph has quoted, I would really like to know. Naturally I do not wish to deny Shawn his fee for helping my clients, because as he says, he is making his living helping people with CPFs, and bank account opening, but if on the other hand one pays a fee and then it proves that the client cannot open his account, is the fee returned?

There are companies here charging up to 2000R$ for obtaining the CPF number! The form is available on line from the Receita Federal site, and then it costs R$5.50 as Ralph as said.

__________________
Michael Bush
e-mail mbush5@aol.com
http://www.thecompletepropertysolution.com
skype name michaelbush

Mike;

There are NO banks in Brazil today that have a policy of opening C5 accounts. The only way to accomplish it is by personally knowing someone in the bank (bank manager) that is doing you a favor, and even then, as I stated, it is most probable that in a matter of time, in my experience as short as a couple months, the account will be closed.

__________________
www.mjrdevelopments.com/ www.rosegardenbrazil.com

To all investors thinking of buying in Brazil,do all the homework possible .Please do not buy from an armchair as quoted several times by other members(i had no idea it was true!).Visit Brazil and see what you are buying.There are several people out there that would like to and are riping people off.Check in the UK if they are registered and check their track records.
Whilst Brasil is a beautiful country it can be very a vunerable for the overseas investors.

Shawn,
I dont know if there s a little misunderstanding here, but if you had transfered money from your Brazilian business account to your Brazilian personal account then surely thats means you have paid your self a wage, whether or not it was under the tax threshold (at around R$1300 month) still your business would still of needed to pay the social security tax at atleast 7.5% for that personal wage, or is that the small bank charge you were meaning?

Cheers
Paul

There is a misunderstanding firstly you would only pay taxes on it if you claimed it as income, secondly Why would you need a buisiness account in Brazil if you had a personal account in Brazil. My post was refering to sending money from your personal exterior account to a buisiness account here in Brazil as investment funds. Investment funds are tax free plus you can gain a permanent visa doing this called an investment visa. When you achieve a permanent visa then you can acheive an Rne Then an account fisical (personal) then problem solved. But intil the problem is solved it is a way of moving money inside Brazil for foreingners. You know what I am receiving alot of cunning emails because I am telling people that is possible to open an account before you get your RNE many people are taking it personal because they said its not possible. Didnt mean to offend anyone was just trying to help. But go ahead and assume the tradition that its not possible nor worth it and let the people wanting and need an account be without an account or options it seems people prefer that. Have a good forum chat I will not be giving anymore "bad advise" as Tim says. So now you guys can consider case closed its not possoble and your all right...now you can move on to another subject.
Xau peace out!

Firstly Shawn, whoever is sending you e-mails certainly isn't me. I have neither the time, nor are you that important in my life, to spend time attempting to tell something to you that is common knowledge to anyone on the ground here and that has personally went to the banks in the last couple years and attempted to open accounts.

Besides that, you do/have given people not only bad advice, but I went to your site and also noticed that you simply have some information there that is completely incorrect. But you shouldn't take it too personally, the vast majority of gringos selling anything in brazil to foreigners, especially via the internet, has not given 100% correct information on the matters at hand, in my experience.

You telling people to obtain a student visa with the main objective of opening a bank account is about like trying to hook them up with a wife, or to have a brazilian child, just to get a bank account. A completely ridiculous alternative to resolve one problem that can and most likely will cause you a host of others.

The bottom line is this, NO BANK today in Brazil has a policy of opening personal bank accounts for foreigners without a RNE number. And, if one wants to open a business, then he's going to have to trust someone else, someone who lives in brazil legally, who will be the administrator of that business. And also, a brazilian business is required MONTHLY to send a "balanço", or balance sheet, to Receipta Federal, in which an accountant will need to prepare. And this accountant will charge you a minimum of one minimum salary (410 reais per month), I've seen them charge as high as 1,000 reais per month. But the kicker being that whoever opens a brazilian business without having a RNE number has to trust someone that is legal here in Brazil completely. As he/she (the administrator-legal person) is going to have final say from a legal and fiscal standpoint as far as the business is concerned.....until the foreigner obtains his RNE number, which that process is taking around 2 years.

__________________
www.mjrdevelopments.com/ www.rosegardenbrazil.com

Shawn,
Im sorry to hear you are receiving cunning emails and you certainly have not offend me, Im always glad to hear other opinions from people who have experience in Brazil! My question previous was due to making clear to me an earlier statement you made, not to question you or try catch out in some way. The confusion came because eariler you stated 'sending money from your business acc to your personnal acc' wheres I think you meant to say like above 'from personnal acc to business acc'. I m well aware of the Investment Visa, Ive going through the proccess as we speak. Also personnally I dont even need a personnal bank acc in Brazil, I have my rentals in Brazil successfully set in other ways. I just took an interest in what you were saying.
Cheers
Paul

Important info.To all prospective future buyers in Brasil.Always make sure the seller produces a valid CRECI NUMBER.This is a legal estate agent number authorising that particular person is able to sell property in Brasil.These people have trained in Brasil ,speak fluent portuguese and can understand all contracts compre E vendas and rented contracts,clauses,Brazilian law etc,etc.Legislation form State to state can also vary so do check all documents correctly.