Overview

• Funding totals R$40 billion, with R$30 billion from the oil-royalty-backed Fundo Social for families earning up to R$9,600 and R$10 billion from Caixa via SBPE/LCI for higher-income brackets.
• The program serves homeowners needing structural or adequacy fixes in urban properties, allowing financing for materials, labor, design projects and technical assistance, with one active contract per family.
• Low-income rates are set at 1.17% a month for incomes up to R$3,200 and 1.95% a month for R$3,200.01 to R$9,600, with repayment terms from 24 to 60 months and installments capped at 25% of family income.
• Caixa will analyze credit, approve projects and pay accredited providers directly, and the FGHab will backstop defaults in the lowest income band.
• The government targets 1.5 million financings and projects at least R$20 billion in market injection, with scope to expand if private banks join.