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State Bank Resumes More Favorable Conditions After Adjustments in Funding Policies and Should Inject Billions into the Real Estate Sector by 2026
The Federal Savings Bank, responsible for about 70% of the country’s residential financing, announced this Friday, October 10, 2025, that it has resumed financing up to 80% of the value of residential properties.
This measure represents a return to the conditions prior to November 2024, when the limit had been reduced to 70% due to credit restrictions.
According to Caixa’s president, Carlos Vieira, the decision was made possible by changes in the use rules of FGTS and savings, which increased the availability of resources for housing credit.
Additionally, the new real estate financing model will allow the bank to fully utilize the compulsory savings deposits, expanding middle-class access to home ownership through the Brazilian Savings and Loan System (SBPE).
Financing Returns to Coverage of Up to 80% of Property Value
According to Vieira, the return to the 80% cap will apply to the Constant Amortization System (SAC).
In this format, the installments are larger initially and decrease over time, following the decline in interest rates.
This model, widely adopted in the market, offers more predictability to borrowers and helps balance the financial cost of credit.
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Since November 1, 2024, the bank had reduced the financing ceiling due to the high volume of operations.
The institution even operated at the limit of its funding capacity.
Now, with the restructuring of the use of savings resources, Caixa is back to meeting a growing demand for housing credit in a context of still high Selic rates and increased demand for housing.
Changes in Rules Unlock Housing Credit
The new guidelines for FGTS and savings, implemented in October 2025, were essential to enable the increase in the financing limit.
The full release of compulsory deposits will allow the bank to inject around R$ 20 billion into new real estate contracts, as reported by the Ministry of Cities.
Minister Jader Filho stated that the updated model will enable Caixa to finance an additional 80,000 housing units by the end of 2026.
This measure should stimulate the construction sector and generate direct impacts on employment and the economy.
He also emphasized that the changes reinforce the government’s commitment to housing access, especially for middle-income families who rely on credit to purchase their own homes.
Economy and Housing Go Hand in Hand
These changes come at a strategic moment for the sector.
The demand for properties remains high, while credit has been made more expensive by two-digit Selic rates and constant withdrawals from savings accounts, the main source of housing financing.
With the release of compulsory resources, the market is expected to see a gradual improvement in credit availability, which may reduce pressure on real estate interest rates.
Additionally, the measure is expected to stimulate new contracts in the coming months.
Thus, the balance between fundraising, funding, and demand becomes a priority again in Caixa’s housing financing strategies.
The bank aims to restore market confidence and strengthen access to housing in a sustainable manner.
Expansion Prospects Until 2026
The institution expects that the new model will allow for sustainable growth in credit volume.
This should benefit both the construction sector and consumers.
With R$ 20 billion anticipated for immediate injection, the Brazilian real estate market is preparing for a new phase of recovery and stability.
Based on information from the Ministry of Cities (2025) and statements from Carlos Vieira, the measures mark a new cycle for housing credit.
They reinforce confidence in the housing financing policy and are expected to boost the sector until 2026.
Amid a scenario of high interest rates and increasing demand, Caixa is betting on new rules to bring Brazilians closer to the dream of home ownership once again.
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