Overview
- The CMN, in an extraordinary meeting Tuesday, approved a rule that trims the monthly rate to 0.82% and stretches repayment from 60 to 72 months.
- The resolution takes effect upon its publication in the Diário Oficial da União.
- Funding comes from the Social Fund with Caixa Econômica Federal running the program, and the government cites R$24.8 billion budgeted for 2026 plus R$10.7 billion committed in 2025 and R$2 billion already under Caixa’s operation.
- The credit line serves families earning up to R$9,600 a month, offers loans of roughly R$5,000 to R$30,000, and now links income thresholds to Ministry of Cities updates.
- The Finance Ministry estimates an implicit subsidy of about R$567 million and expects the change to lift jobs and income in construction.