Earmarked real-estate financing surged in early 2026 while new payroll-loan rules with an FGTS-backed rate cap are reshaping who borrows and at what cost.
Brazil · Finance
Key Facts
—Housing credit. Real-estate financing reached R$180.9 billion in the first half of 2026, a 23% jump from the same period in 2025, according to Abecip data.
—Construction boom. Loans for construction more than doubled year-on-year to R$26.5 billion, while purchase financing rose 12% to R$67.2 billion.
—FGTS driver. FGTS-backed housing loans, strongly tied to the Minha Casa Minha Vida program, grew 22% to R$77.6 billion in the first half.
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