Overview

• The SFH eligibility ceiling rises from R$1.5 million to R$2.25 million for financed properties.
• Caixa will again finance up to 80% of a home's price via SBPE after a 70% limit set in November 2024.
• The government projects R$52.4 billion in additional housing credit in the first year, including R$36.9 billion immediately, for a total pool of R$111 billion.
• Under the new funding design, reserve and free-use quotas on savings deposits will shrink toward zero as banks tie market funding to mortgages, with at least 80% of loans under SFH’s 12% rate cap.
• The line targets families earning above R$12,000 per month, with Minha Casa, Minha Vida serving lower-income households, and aims to finance about 80,000 homes at rates up to 12% a year.