The new mortgage loan model announced this week represents a significant step forward for the Brazilian real estate market.

Starting in January 2027, the maximum value of properties financed by the Housing Finance System (SFH, the system uses resources from the FGTS and savings accounts) will increase from... R$ 1.5 million to R$ 2.25 millionand it will be possible to finance up to 80% of the total value property with funds from Caixa Econômica Federal

The measure, which expands the use of FGTS (Brazilian employee severance fund) resources and makes it easier to allocate savings for mortgage loans, should directly boost the construction industry, employment, and economic activity in large cities.

With more resources available and a higher spending limit, middle-income families gain access to higher-standard properties and more privileged locations, also expanding the range of opportunities for developers, construction companies, and investors in the sector.

In addition to benefiting buyers, the new ceiling stimulates a new cycle of sustainable growthThis will favor the financing of projects that were previously outside the eligibility ranges of the SFH (Brazilian Housing Finance System). The expected result is a more dynamic, competitive, and accessible market.

“This update represents a boost of confidence in the sector. The increase in the ceiling and the expansion of credit with FGTS strengthen the entire production chain, from construction to intermediation. It is a move that should generate liquidity, accelerate launches and open new opportunities for investors and buyers.”he says Luanderson Novaes, CEO of All Brokers Imob.

With interest rates still high and a search for safe investment alternatives, the strengthening of housing credit lines emerges as good news, not only for those who dream of owning their own home, but for the entire market that revolves around it.