{"id":14095,"date":"2025-10-24T17:39:40","date_gmt":"2025-10-24T20:39:40","guid":{"rendered":"https:\/\/allbrokersimob.com\/?p=14095"},"modified":"2025-10-24T17:53:47","modified_gmt":"2025-10-24T20:53:47","slug":"ampliacao-do-uso-do-fgts-e-novo-teto-de-financiamento-fortalecem-o-mercado-imobiliario","status":"publish","type":"post","link":"https:\/\/allbrokersimob.com\/en\/ampliacao-do-uso-do-fgts-e-novo-teto-de-financiamento-fortalecem-o-mercado-imobiliario\/","title":{"rendered":"Increased FGTS (Brazilian employee severance fund) usage limit and new financing ceiling strengthen the real estate market."},"content":{"rendered":"<p><i><span style=\"font-weight: 400;\">The new mortgage loan model announced this week represents a significant step forward for the Brazilian real estate market.<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">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... <\/span><b>R$ 1.5 million to R$ 2.25 million<\/b><span style=\"font-weight: 400;\">and it will be possible to finance up to <\/span><b>80% of the total value<\/b><span style=\"font-weight: 400;\"> property with funds from Caixa Econ\u00f4mica Federal<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In addition to benefiting buyers, the new ceiling stimulates <\/span><b>a new cycle of sustainable growth<\/b><span style=\"font-weight: 400;\">This 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.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">\u201cThis 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.\u201d<\/span><\/i><span style=\"font-weight: 400;\">he says <\/span><b>Luanderson Novaes<\/b><span style=\"font-weight: 400;\">, CEO of All Brokers Imob.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>O novo modelo de cr\u00e9dito habitacional anunciado nesta semana traz um avan\u00e7o significativo para o mercado imobili\u00e1rio brasileiro A partir de janeiro de 2027, o valor m\u00e1ximo dos im\u00f3veis financiados pelo Sistema Financeiro da Habita\u00e7\u00e3o (SFH o sistema utiliza recursos do FGTS e da poupan\u00e7a) passa de R$ 1,5 milh\u00e3o para R$ 2,25 milh\u00f5es, e&#8230;<\/p>","protected":false},"author":15,"featured_media":14096,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-14095","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sem-categoria"],"_links":{"self":[{"href":"https:\/\/allbrokersimob.com\/en\/wp-json\/wp\/v2\/posts\/14095","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/allbrokersimob.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/allbrokersimob.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/allbrokersimob.com\/en\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/allbrokersimob.com\/en\/wp-json\/wp\/v2\/comments?post=14095"}],"version-history":[{"count":0,"href":"https:\/\/allbrokersimob.com\/en\/wp-json\/wp\/v2\/posts\/14095\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/allbrokersimob.com\/en\/wp-json\/wp\/v2\/media\/14096"}],"wp:attachment":[{"href":"https:\/\/allbrokersimob.com\/en\/wp-json\/wp\/v2\/media?parent=14095"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/allbrokersimob.com\/en\/wp-json\/wp\/v2\/categories?post=14095"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/allbrokersimob.com\/en\/wp-json\/wp\/v2\/tags?post=14095"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}