The one aimed at the middle class, which will be announced by the federal government this Friday (10), will generate 80 thousand extra financed units for Caixa Econômica Federal alone in 2026, according to the Minister of Cities, Jader Filho. He made the statements at the “Incorpora 2025” event, promoted by Abrainc, in São Paulo.
Without providing details, Jader Filho stated that the initiative will reinforce access to real estate credit for the middle class that is not served by, which serves families with incomes of up to R$12 thousand. The new program should serve families with income above R$12,000 and up to R$20,000.
The minister did not share the estimate for general extra launches, including private banks. The information should be released at tomorrow’s launch.
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The main measure of the program is to change the allocation of savings. Today, the Central Bank requires banks to keep 20% of savings deposits collected as compulsory. The new program should reduce this allocation, so that part of these resources can be released for housing financing.
It is not yet known to what level this compulsory collection of savings resources will fall, only the division of this amount: 80% for the Housing Financial System (SFH) and 20% for the Real Estate Financial System (SFI).
“We have always demanded from the Central Bank this release of 20% of savings resources and only with the arrival of President Galípolo were we able to move forward in this conversation”, Jader Filho told journalists.
