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Consigned Rent Approved by the CCJC on December 9, 2025, Authorizes Rent Deduction from Payroll, up to 25% of Net Salary, for Public Servants and CLT Workers, and Promises to Unlock Formal Contracts in Real Estate Expansion. Sector Estimates Reach of 20 Million and Average Reduction of 4% in Cost.
On December 9, 2025, the Commission on Constitution, Justice, and Citizenship (CCJC) of the Chamber approved the project that creates consigned rent, allowing the rental amount to be deducted directly from the worker’s payroll.
On December 10, 2025, after more than a decade of discussions, the proposal advanced with the promise of reducing risk for property owners, expanding access to formal housing, and accelerating contracts in a growing real estate market, without relying only on traditional guarantees provided in the Tenancy Law.
What the Chamber Approved in the CCJC and What Changes in Practice
The project creates a modality in which the tenant authorizes the amount of rent and charges to be debited directly from the salary, in a logic similar to that of consigned credit, known for its historical low default rates.
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The central intention is to reduce the default risk perceived by property owners and managers, and thereby facilitate access to formal rental contracts, especially for those facing barriers in traditional guarantees.
Who Can Use Consigned Rent and What the Limits Are
According to the approved text, the following can join the consigned rent:
public servants
workers governed by the Consolidation of Labor Laws (CLT)
The limits described in the project are:
up to 25% of net salary can be authorized to pay rent and charges
the limit of 50% of net salary must be respected for the total of deductions of consigned loans
Another relevant point is the interruption rule of the deduction: the payroll deduction can only be suspended upon presentation of the lease termination.
Why the Proposal Gained Traction in a Real Estate Expansion Cycle
The discussion reemerges strongly in a scenario described by experts as a real estate expansion cycle, with a significant portion of properties delivered in recent years purchased for income, with expectations of rapid placement in the rental market.
In this context, the pressure for instruments that increase legal security and expand formalization is rising.
The Tenancy Law, according to experts, maintains a closed list of guarantees, such as guarantor, deposit, and surety insurance, which is considered outdated for the current dynamics.
Traditional Guarantees, Guarantor Insecurity, and the New Alternative
Lawyers point out that the inclusion of payroll deduction expands the set of guarantees and can reduce dependence on problematic models, such as individual guarantors.
One of the arguments cited is that court decisions removing the seizure of the family asset from the guarantor have increased insecurity and decreased property owners’ willingness to accept this modality.
With an express guarantee in law, the proposal seeks to open doors for those who could not formalize a contract.
What Happens If the Worker Loses Their Job
This is a sensitive point of the project. Without an employment bond, the rent cannot be deducted from payroll, which may result in the recovery of the property, as the contract would lack the guarantee of the consigned mechanism.
At the same time, the text provides for a direct effect on the termination of the contract: in the event of the tenant’s dismissal, they can return the property without paying a penalty for early return.
For those already unemployed, the scenario does not change: they will remain dependent on the guarantee modalities currently available in the market.
Debate on Two Guarantees in the Same Contract
Behind the scenes, there is discussion about whether the text can suppress the sole paragraph of Article 37 of the Tenancy Law, which currently prohibits contracting more than one guarantee in the same contract.
The assessment of specialists points to distinct effects:
- in large transactions, such as corporate leases and built-to-suit contracts, two guarantees could be positive, given the high value and concentrated risk
- in residential contracts, allowing two guarantees without restrictions could open the door to abuse, creating obstacles instead of expanding access
There is still no clarity if this prohibition will indeed be removed.
Next Steps: Vote in Plenary Only If There Is an Appeal
After the approval in the CCJC, the text goes for conclusive analysis in the other committees of the Chamber, without the need for a vote in plenary, unless there is an appeal.
After that, the proposal goes to the Senate. So far, there has been no signaling of changes, and the government has not formalized a position.
Potential Reach and Estimated Impact by the Sector
According to the president of ABMI (Brazilian Association of Real Estate Market), Alfredo Freitas, industry studies indicate that consigned rent could:
- benefit up to 20 million Brazilians, especially with low credit scores
- generate estimated savings of R$ 4.5 billion per year
- reduce the cost of rent by an average of 4%
A Decade of Ups and Downs: From PL 462 of 2011 to Advancement in 2025
The legislative path is long. PL 462/2011 was introduced in 2011 by deputies Julio Lopes (PP-RJ) and Paulo Abi Ackel (PSDB-MG) and that same year it went for analysis by the Labor Commission and the CCJ.
In the Labor Commission, the text advanced in 2015, with a favorable opinion and approval in a meeting, already incorporating similar proposals. Julio Lopes, who now presides over the Mixed Parliamentary Front of Services, participated in negotiations on the subject, including a lunch hosted by ABMI in Brasília.
Even after this advance, the project continued its normal course and had deadlines reopened for new suggestions in 2014, 2015, and again in 2023.
The topic regained momentum in 2025 when it entered the Positive Agenda delivered by ABMI to parliamentarians in August. In October 2025, the reporter in the CCJ, deputy José Medeiros (PL-MT), gave a favorable opinion, highlighting compliance with constitutional rules and legislative technique.
If consigned rent becomes law, do you think that payroll deduction facilitates access to housing or increases risks for the worker in case of dismissal?
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