Caixa to Finance 80,000 Homes in October with New Policy That Releases Up to R$ 150 Billion and Targets Families with Income Between R$ 12,000 and R$ 20,000

Written by Fabio Lucas Carvalho

Published on 09/10/2025 at 16:30

Updated on 09/10/2025 at 16:31

Governo lança programa habitacional para classe média: Caixa financiará 80 mil moradias e poderá liberar até R$ 150 bilhões no mercado.

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New Federal Housing Policy Aims at Middle-Income Families and Will Allow Caixa to Finance 80 Thousand Homes as Early as October, with Planned Injection of Up to R$ 150 Billion in the Sector.

The Minister of Cities, Jader Filho, stated that the new federal housing policy will allow Caixa Econômica Federal to finance 80 thousand new homes immediately.

As reported by CNN Brasil, the statement was made this Thursday (9) during the Incorpora 2025 event.

The measure will target the middle class, serving families with monthly incomes between R$ 12 thousand and R$ 20 thousand, and will use resources from the Brazilian Savings and Loan System (SBPE).

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Housing Policy for the Middle Class

According to the minister, the official launch of the program will take place with the presence of President Lula and was developed in partnership with the Central Bank, the Ministry of Finance, and Caixa.

The expectation is that new financing will begin in October, aiming to reach 80 thousand operations by the end of 2026.

Currently, 65% of savings must be allocated to real estate credit, 15% are available for more profitable operations, and 20% remain at the Central Bank as reserves.

The new policy will allow banks to freely use these resources, provided they grant real estate credit equivalent to what they capture.

Initially, 5% of reserves will be released, and if there are no issues, the 20% will be available in 2027. The real estate sector had requested a transition rule to avoid sudden impacts.

The SBPE accumulates about R$ 750 billion. This means the initial injection could reach R$ 35 billion and go up to R$ 150 billion when the policy is fully implemented. The government bets that the change will boost the real estate market and expand access to housing for the middle class.

Caixa to Finance 80,000 Homes in October with New Policy That Releases Up to R$ 150 Billion and Targets Families with Income Between R$ 12,000 and R$ 20,000

New Federal Housing Policy Aims at Middle-Income Families and Will Allow Caixa to Finance 80 Thousand Homes as Early as October, with Planned Injection of Up to R$ 150 Billion in the Sector.

Housing Policy for the Middle Class

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Caixa to Finance 80,000 Homes in October with New Policy That Releases Up to R$ 150 Billion and Targets Families with Income Between R$ 12,000 and R$ 20,000

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