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New Savings Rule Will Release More Resources for Home Loans and Make the Dream of Homeownership Easier.
The federal government announced this Friday (10/10/25) in São Paulo a new model for home loans aimed at purchasing a home, with the goal of increasing housing access and strengthening the construction sector.
The measure, which changes rules regarding the use of savings deposits, will be implemented gradually until 2027.
The new format promises to increase the volume of resources available for housing financing, primarily benefiting the middle class.
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According to the Palácio do Planalto, the financing limit for properties within the Housing Financial System (SFH) will increase from R$ 1.5 million to R$ 2.25 million, which represents a significant expansion in credit availability.
The proposal is part of a package of measures aimed at stimulating the home loan market, boosting employment, and revitalizing the construction sector.
Savings Will Be the Base for Housing Credit Expansion
One of the main changes announced relates to the use of savings resources.
Currently, banks are required to allocate 65% of the amounts raised through savings accounts to home loans.
With the new rule, this percentage will no longer be fixed, and the total amount deposited by Brazilians will serve as a reference for the volume of available credit.
In practice, this means that the more people deposit money into savings, the greater the volume of resources for housing financing — both in SFH and the Real Estate Financing System (SFI).
Additionally, compulsory deposits at the Central Bank, which retain part of these resources, will also be gradually eliminated.
“The total resources deposited in savings accounts will be a reference for the volume of money that banks must allocate to housing credit,” the government stated in an official note.
Measure Seeks to Increase Resources Without Raising Interest
The president of the Central Bank, Gabriel Galípolo, explained that by expanding the use of savings resources and combining them with funding from the financial market, it will be possible to increase the supply of home loans without raising the interest rates charged on financing.
“The idea is to gradually release the resources currently held at the Central Bank, thus enabling an increase in housing credit without raising the rate,” Galípolo stated.
This strategy, according to the government, is expected to benefit families with incomes of up to R$ 12,500 per month — a demographic that often lacked access to advantageous financing conditions.
Expansion of Housing Supply and Economic Stimulation
The Minister of Cities, Jader Filho, highlighted that the changes will allow the Caixa Econômica Federal to finance around 80,000 new properties with interest rates of up to 12% per year, lower than the current basic interest rate of 15%.
He emphasized that the goal is to reinforce the government’s commitment to the right to dignified housing.
“After Minha Casa, Minha Vida, launching the new system for the middle class demonstrates unwavering commitment to dignified housing for the Brazilian people,” said Renato Correia, president of the Brazilian Construction Industry Chamber (CBIC).
With the new model, the government also hopes to stimulate employment and investment in the construction sector, which is one of the main drivers of the national economy.
Gradual Transition Until 2027
The federal government stated that the transition to the new model will be gradual, starting this year with full implementation set for January 2027.
During this period, the mandatory allocation of 65% of savings resources to housing credit will be maintained, but compulsory deposits — currently equivalent to 20% — will be reduced to 15%. Part of this amount (5%) will be applied in the new financing regime, creating a progressive adaptation of the system.
Savings Gains Protagonism in Housing Financing
According to government data, housing-linked deposits totaled R$ 755 billion in September of this year, a decline compared to the record R$ 801 billion registered in December 2020.
This reduction is attributed to the low yield of savings, which has lost attractiveness compared to fixed-income investments with higher interest rates.
The new model aims to reverse this trend, making savings a strategic tool for housing financing once again.
“As more funds are deposited into savings, more credit will be available for real estate financing,” the government explained.
Additionally, the measure increases competitiveness in the sector, allowing institutions that do not collect savings to offer housing credit under equivalent conditions to others.
Social Impact and New Opportunities for the Middle Class
Minister Jader Filho reinforced that the new format will serve a segment of the population that has been overlooked.
“This measure serves a segment of the population that was without access to housing credit. Today, families with incomes up to R$ 12,000 are served by Minha Casa Minha Vida. Above that, people were left without alternatives,” he stated.
With the reformulation of home financing, the federal government intends to provide new opportunities for more Brazilians to realize the dream of homeownership while strengthening the role of savings as a driver of housing development.
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