Large banks push to lift the 12% cap in Brazil housing credit, but no formal proposal exists. The ceiling remains in force.
Brazil · HOUSING
Key Facts
—Current cap The 12% annual ceiling applies to SFH-qualified housing loans for properties up to 2.25 million reais.
—Talks Large mortgage lenders are negotiating with the central bank to revise the 12% cap, reported 19 August 2026
—Framework Launched October 2025; 80% of housing loan resources must follow SFH rules
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