Mortgage credit interest rate, percent in Brazil, September, 2025 The most recent value is 10.31 percent as of September 2025, a decline compared to the previous value of 10.45 percent. Historically, the average for Brazil from March 2011 to September 2025 is 9.07 percent. The minimum of 6.63 percent was recorded in May 2021, while the maximum of 11.41 percent was reached in July 2023. | TheGlobalEconomy.com

The Brazil Home Loan Market is segmented By Source (Bank and Housing Finance Companies), By Interest Rate (Fixed Rate and Floating Rate), and By Tenure (Up to 5 Years, 6 - 10 Years, 11 - 24 Years, and 25 - 30 Years). The report offers market size and forecasts in value (USD) for all the above segments.

Lending interest rate (%) in Brazil was reported at 40.22 % in 2024, according to the World Bank collection of development indicators, compiled from officially recognized sources. Brazil - Lending interest rate - actual values, historical data, forecasts and projections were sourced from the World Bank on November of 2025.

The Latin American home mortgage finance market, valued at approximately $XX million in 2025, is projected to experience steady growth, exhibiting a Compound Annual Growth Rate (CAGR) of 3.00% from 2025 to 2033. This growth is fueled by several key drivers, including increasing urbanization, rising disposable incomes across various socioeconomic segments, and government initiatives aimed at boosting homeownership rates. Furthermore, the expansion of the formal financial sector and the availability of innovative mortgage products, such as adjustable-rate mortgages catering to diverse financial profiles, contribute to market expansion. However, economic volatility in certain Latin American nations and fluctuating interest rates pose significant challenges. The market is segmented by mortgage type (fixed-rate and adjustable-rate), loan tenure (ranging from under 5 years to over 25 years), and geography, with Brazil, Chile, Colombia, and Peru representing significant market shares. Competition is intense, with major players including Caixa Economica Federal, Banco do Brasil, Itaú, Bradesco, Santander, and others vying for market dominance. The market's future trajectory hinges on managing economic instability, maintaining affordable interest rates, and continuing to improve access to credit for a broader range of borrowers. The segment analysis reveals that fixed-rate mortgages currently dominate the market, though adjustable-rate mortgages are gaining traction due to their flexibility. Longer-tenure mortgages (11-24 years and 25-30 years) are increasingly popular as borrowers seek more manageable monthly payments. Geographically, Brazil holds the largest market share, reflecting its substantial population and relatively developed financial sector. However, Chile, Colombia, and Peru are showing promising growth potential, driven by improving economic conditions and increased government support for housing initiatives. The Rest of Latin America segment offers considerable untapped potential. Continued economic development and infrastructure improvements in these regions will be instrumental in further propelling market growth in the coming years. A focus on financial literacy and responsible lending practices will be essential for sustainable market development and to mitigate potential risks associated with rapid expansion. Recent developments include: In August 2022, Two new mortgage fintech start-ups emerged in Latin America: Toperty launched in Colombia and Saturn5 is about to launch in Mexico. Toperty offers to purchase a customer's new house outright and provides a payment schedule that allows the customer to purchase the house while renting it from the business. Saturn5 wants to give its clients the skills and resources they need to buy a house on their own., In August 2022, During a conference call on August 5, Brazilian lender Banco Bradesco SA startled analysts by reporting an increase in default rates in the second quarter of 2022. The average 90-day nonperforming loan ratio for Bradesco, the second-largest private bank in Latin America, increased by 30 basis points. Delinquency in the overall portfolio increased to 3.5% from 2.5% and 3.2%, respectively, in the first quarter.. Notable trends are: Increase in Economic Growth and GDP per capita.

Concept: Average interest rate of individuals registered as MEI by type of credit - Housing financing - mortgage Source: Central Bank of Brazil - Department of Financial Education 5d1308f3-9ca3-4b4e-ae3a-4180a9d2e36e 27180-average-interest-rate-of-individuals-registered-as-mei-by-type-of-credit---housing-financing-

Brazil Loans: Real Estate Financing: for Construction: Units: Residential Building: SFH: South: Paraná data was reported at 103.000 Unit in Nov 2018. This records a decrease from the previous number of 228.000 Unit for Oct 2018. Brazil Loans: Real Estate Financing: for Construction: Units: Residential Building: SFH: South: Paraná data is updated monthly, averaging 459.000 Unit from Dec 2009 (Median) to Nov 2018, with 108 observations. The data reached an all-time high of 3,216.000 Unit in Jun 2011 and a record low of 29.000 Unit in Apr 2018. Brazil Loans: Real Estate Financing: for Construction: Units: Residential Building: SFH: South: Paraná data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB071: Loans: Real Estate Financing: Units: for Construction: by Region: Residential Building: Housing Finance System (SFH). The SFH uses the following features to provide credit to citizens: the Guarantee Fund for Time of Service - FGTS (eligible users are allowed the withdraw from FGTS for payment of Real Estate financing under SFH), the current account savings and loans raised in the country or abroad for the implementation of housing projects and mortgage bonds (debt securities) issued by financial agents. Under this scheme, funding can go up to 90% of property value, and cost effective maximum (which includes all charges and expenses incidental to the credit contracted or offered to individuals) may not exceed 12% per year, including interest, fees and other charges. O SFH utiliza os seguintes recursos para fornecer crédito aos cidadãos: o Fundo de Garantia por Tempo de Serviço - FGTS (é permitido o retirar do FGTS para o pagamento de financiamento imobiliário sob SFH), a poupança em conta corrente e empréstimos captados no país ou no exterior para a implementação de projetos de habitação e obrigações hipotecárias (títulos de dívida) emitidas pelos agentes financeiros. Ao abrigo deste regime, o financiamento pode ir até 90% do valor do imóvel, e o custo máximo efetivo (que inclui todos os encargos e despesas acessórias ao crédito contratado ou oferecido a pessoas físicas) não pode exceder 12% por ano, incluindo os juros, taxas e outras encargos.

In September 2025, global inflation rates and central bank interest rates showed significant variation across major economies. Most economies initiated interest rate cuts from mid-2024 due to declining inflationary pressures. The U.S., UK, and EU central banks followed a consistent pattern of regular rate reductions throughout late 2024. In September 2025, Russia maintained the highest interest rate at 17 percent, while Japan retained the lowest at 0.5 percent. Varied inflation rates across major economies The inflation landscape varies considerably among major economies. China had the lowest inflation rate at -0.3 percent in September 2025. In contrast, Russia maintained a high inflation rate of 8 percent. These figures align with broader trends observed in early 2025, where China had the lowest inflation rate among major developed and emerging economies, while Russia's rate remained the highest. Central bank responses and economic indicators Central banks globally implemented aggressive rate hikes throughout 2022-23 to combat inflation. The European Central Bank exemplified this trend, raising rates from 0 percent in January 2022 to 4.5 percent by September 2023. A coordinated shift among major central banks began in mid-2024, with the ECB, Bank of England, and Federal Reserve initiating rate cuts, with forecasts suggesting further cuts through 2025 and 2026.

Concept: Average interest rate of credit operations with prefixed interest rates by source of funds and type of credit - small-sized enterprise - nonearmarked credit - Housing financing - mortgage Source: Credit Information System 61c35459-eb43-4688-8e1e-5790d3b435bd 26566-average-interest-rate-by-source-of-funds-and-type-of-credit---small-sized-enterprise---nonear

Mortgage credit interest rate, percent in Brésil, septembre, 2025 Pour cet indicateur, Central Bank of Brazil fournit des données pour la Brésil de mars 2011 à septembre 2025. La valeur moyenne pour Brésil pendant cette période était de 9.07 pour cent avec un minimum de 6.63 pour cent en mai 2021 et un maximum de 11.41 pour cent en juillet 2023. | TheGlobalEconomy.com

Concept: Average interest rate of credit operations with prefixed interest rates by source of funds and type of credit - small-sized enterprise - earmarked credit - Housing financing - mortgage Source: Credit Information System 7aef5e02-faee-4bdf-8a6e-73b3bdfb8bbb 26520-average-interest-rate-by-source-of-funds-and-type-of-credit---small-sized-enterprise---earmar

Concept: Average interest rate of credit operations with prefixed interest rates by source of funds and type of credit - microenterprise - nonearmarked credit - Housing financing - mortgage Source: Credit Information System b88bcd33-7bd0-4105-b8eb-848d1654e750 27263-average-interest-rate-by-source-of-funds-and-type-of-credit---microenterprise---nonearmarked-

Concept: Average interest rate of credit operations with prefixed interest rates by source of funds and type of credit - small-sized enterprise - earmarked credit - Housing financing - Housing Finance System (SFH) Source: Credit Information System c6cd35b8-44c7-4489-8c7e-654a376bea60 26521-average-interest-rate-by-source-of-funds-and-type-of-credit---small-sized-enterprise---earmar

Brazil Loans: Real Estate Financing: to Reform & Expansion: Value: Central West: Market Rate: Residential Building data was reported at 0.000 BRL in Nov 2018. This stayed constant from the previous number of 0.000 BRL for Oct 2018. Brazil Loans: Real Estate Financing: to Reform & Expansion: Value: Central West: Market Rate: Residential Building data is updated monthly, averaging 274,495.000 BRL from Aug 2009 (Median) to Nov 2018, with 112 observations. The data reached an all-time high of 3,556,500.000 BRL in Jan 2015 and a record low of 0.000 BRL in Nov 2018. Brazil Loans: Real Estate Financing: to Reform & Expansion: Value: Central West: Market Rate: Residential Building data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB053: Loans: Real Estate Financing: to Reform and Expansion: by Region. The SFH uses the following features to provide credit to citizens: the Guarantee Fund for Time of Service - FGTS (eligible users are allowed the withdraw from FGTS for payment of Real Estate financing under SFH), the current account savings and loans raised in the country or abroad for the implementation of housing projects and mortgage bonds (debt securities) issued by financial agents. Under this scheme, funding can go up to 90% of property value, and cost effective maximum (which includes all charges and expenses incidental to the credit contracted or offered to individuals) may not exceed 12% per year, including interest, fees and other charges. O SFH utiliza os seguintes recursos para fornecer crédito aos cidadãos: o Fundo de Garantia por Tempo de Serviço - FGTS (é permitido o retirar do FGTS para o pagamento de financiamento imobiliário sob SFH), a poupança em conta corrente e empréstimos captados no país ou no exterior para a implementação de projetos de habitação e obrigações hipotecárias (títulos de dívida) emitidas pelos agentes financeiros. Ao abrigo deste regime, o financiamento pode ir até 90% do valor do imóvel, e o custo máximo efetivo (que inclui todos os encargos e despesas acessórias ao crédito contratado ou oferecido a pessoas físicas) não pode exceder 12% por ano, incluindo os juros, taxas e outras encargos.

Brazil Loans: Real Estate Financing: to Reform & Expansion: Value: Market Rate: By Range: Residential Building data was reported at 640,800.000 BRL in Nov 2018. This records an increase from the previous number of 526,000.000 BRL for Oct 2018. Brazil Loans: Real Estate Financing: to Reform & Expansion: Value: Market Rate: By Range: Residential Building data is updated monthly, averaging 2,694,872.000 BRL from Aug 2009 (Median) to Nov 2018, with 112 observations. The data reached an all-time high of 7,630,350.000 BRL in Jan 2014 and a record low of 0.000 BRL in Dec 2017. Brazil Loans: Real Estate Financing: to Reform & Expansion: Value: Market Rate: By Range: Residential Building data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB052: Loans: Real Estate Financing: to Reform and Expansion: Market Rate. The SFH uses the following features to provide credit to citizens: the Guarantee Fund for Time of Service - FGTS (eligible users are allowed the withdraw from FGTS for payment of Real Estate financing under SFH), the current account savings and loans raised in the country or abroad for the implementation of housing projects and mortgage bonds (debt securities) issued by financial agents. Under this scheme, funding can go up to 90% of property value, and cost effective maximum (which includes all charges and expenses incidental to the credit contracted or offered to individuals) may not exceed 12% per year, including interest, fees and other charges. O SFH utiliza os seguintes recursos para fornecer crédito aos cidadãos: o Fundo de Garantia por Tempo de Serviço - FGTS (é permitido o retirar do FGTS para o pagamento de financiamento imobiliário sob SFH), a poupança em conta corrente e empréstimos captados no país ou no exterior para a implementação de projetos de habitação e obrigações hipotecárias (títulos de dívida) emitidas pelos agentes financeiros. Ao abrigo deste regime, o financiamento pode ir até 90% do valor do imóvel, e o custo máximo efetivo (que inclui todos os encargos e despesas acessórias ao crédito contratado ou oferecido a pessoas físicas) não pode exceder 12% por ano, incluindo os juros, taxas e outras encargos.

Brazil Loans: Real Estate Financing: Units: for Purchase: Commercial Building: Market Rate: Northeast: Rio Grande do Norte data was reported at 1.000 Unit in Nov 2018. This stayed constant from the previous number of 1.000 Unit for Oct 2018. Brazil Loans: Real Estate Financing: Units: for Purchase: Commercial Building: Market Rate: Northeast: Rio Grande do Norte data is updated monthly, averaging 1.000 Unit from Dec 2009 (Median) to Nov 2018, with 108 observations. The data reached an all-time high of 13.000 Unit in May 2014 and a record low of 0.000 Unit in Sep 2018. Brazil Loans: Real Estate Financing: Units: for Purchase: Commercial Building: Market Rate: Northeast: Rio Grande do Norte data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB077: Loans: Real Estate Financing: Units: for Purchase: by Region: Commercial Building: Market Rate. The SFH uses the following features to provide credit to citizens: the Guarantee Fund for Time of Service - FGTS (eligible users are allowed the withdraw from FGTS for payment of Real Estate financing under SFH), the current account savings and loans raised in the country or abroad for the implementation of housing projects and mortgage bonds (debt securities) issued by financial agents. Under this scheme, funding can go up to 90% of property value, and cost effective maximum (which includes all charges and expenses incidental to the credit contracted or offered to individuals) may not exceed 12% per year, including interest, fees and other charges. O SFH utiliza os seguintes recursos para fornecer crédito aos cidadãos: o Fundo de Garantia por Tempo de Serviço - FGTS (é permitido o retirar do FGTS para o pagamento de financiamento imobiliário sob SFH), a poupança em conta corrente e empréstimos captados no país ou no exterior para a implementação de projetos de habitação e obrigações hipotecárias (títulos de dívida) emitidas pelos agentes financeiros. Ao abrigo deste regime, o financiamento pode ir até 90% do valor do imóvel, e o custo máximo efetivo (que inclui todos os encargos e despesas acessórias ao crédito contratado ou oferecido a pessoas físicas) não pode exceder 12% por ano, incluindo os juros, taxas e outras encargos.

Brazil Loans: Real Estate Financing: Value: for Purchase: Commercial Building: Market Rate: Southeast: Rio de Janeiro data was reported at 1,632,251.000 BRL in Nov 2018. This records an increase from the previous number of 1,539,862.000 BRL for Oct 2018. Brazil Loans: Real Estate Financing: Value: for Purchase: Commercial Building: Market Rate: Southeast: Rio de Janeiro data is updated monthly, averaging 4,231,506.500 BRL from Dec 2009 (Median) to Nov 2018, with 108 observations. The data reached an all-time high of 195,866,696.000 BRL in Aug 2012 and a record low of 0.000 BRL in Jan 2011. Brazil Loans: Real Estate Financing: Value: for Purchase: Commercial Building: Market Rate: Southeast: Rio de Janeiro data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB065: Loans: Real Estate Financing: Value: for Purchase: by Region: Commercial Building: Market Rate. The SFH uses the following features to provide credit to citizens: the Guarantee Fund for Time of Service - FGTS (eligible users are allowed the withdraw from FGTS for payment of Real Estate financing under SFH), the current account savings and loans raised in the country or abroad for the implementation of housing projects and mortgage bonds (debt securities) issued by financial agents. Under this scheme, funding can go up to 90% of property value, and cost effective maximum (which includes all charges and expenses incidental to the credit contracted or offered to individuals) may not exceed 12% per year, including interest, fees and other charges. O SFH utiliza os seguintes recursos para fornecer crédito aos cidadãos: o Fundo de Garantia por Tempo de Serviço - FGTS (é permitido o retirar do FGTS para o pagamento de financiamento imobiliário sob SFH), a poupança em conta corrente e empréstimos captados no país ou no exterior para a implementação de projetos de habitação e obrigações hipotecárias (títulos de dívida) emitidas pelos agentes financeiros. Ao abrigo deste regime, o financiamento pode ir até 90% do valor do imóvel, e o custo máximo efetivo (que inclui todos os encargos e despesas acessórias ao crédito contratado ou oferecido a pessoas físicas) não pode exceder 12% por ano, incluindo os juros, taxas e outras encargos.

Brazil Loans: Real Estate Financing: Units: Commercial Building: Market Rate: South: Rio Grande do Sul data was reported at 25.000 Unit in Nov 2018. This records a decrease from the previous number of 133.000 Unit for Oct 2018. Brazil Loans: Real Estate Financing: Units: Commercial Building: Market Rate: South: Rio Grande do Sul data is updated monthly, averaging 33.000 Unit from Dec 2009 (Median) to Nov 2018, with 108 observations. The data reached an all-time high of 837.000 Unit in Dec 2017 and a record low of 5.000 Unit in Feb 2010. Brazil Loans: Real Estate Financing: Units: Commercial Building: Market Rate: South: Rio Grande do Sul data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB069: Loans: Real Estate Financing: Units: by Region: Commercial Building: Market Rate. The SFH uses the following features to provide credit to citizens: the Guarantee Fund for Time of Service - FGTS (eligible users are allowed the withdraw from FGTS for payment of Real Estate financing under SFH), the current account savings and loans raised in the country or abroad for the implementation of housing projects and mortgage bonds (debt securities) issued by financial agents. Under this scheme, funding can go up to 90% of property value, and cost effective maximum (which includes all charges and expenses incidental to the credit contracted or offered to individuals) may not exceed 12% per year, including interest, fees and other charges. O SFH utiliza os seguintes recursos para fornecer crédito aos cidadãos: o Fundo de Garantia por Tempo de Serviço - FGTS (é permitido o retirar do FGTS para o pagamento de financiamento imobiliário sob SFH), a poupança em conta corrente e empréstimos captados no país ou no exterior para a implementação de projetos de habitação e obrigações hipotecárias (títulos de dívida) emitidas pelos agentes financeiros. Ao abrigo deste regime, o financiamento pode ir até 90% do valor do imóvel, e o custo máximo efetivo (que inclui todos os encargos e despesas acessórias ao crédito contratado ou oferecido a pessoas físicas) não pode exceder 12% por ano, incluindo os juros, taxas e outras encargos.

Brazil Loans: Real Estate Financing: Units: for Purchase: Residential Building: Market Rate: Northeast: Piauí data was reported at 3.000 Unit in Nov 2018. This records a decrease from the previous number of 11.000 Unit for Oct 2018. Brazil Loans: Real Estate Financing: Units: for Purchase: Residential Building: Market Rate: Northeast: Piauí data is updated monthly, averaging 2.000 Unit from Dec 2009 (Median) to Nov 2018, with 108 observations. The data reached an all-time high of 22.000 Unit in Nov 2014 and a record low of 0.000 Unit in Aug 2018. Brazil Loans: Real Estate Financing: Units: for Purchase: Residential Building: Market Rate: Northeast: Piauí data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB076: Loans: Real Estate Financing: Units: for Purchase: by Region: Residential Building: Market Rate. The SFH uses the following features to provide credit to citizens: the Guarantee Fund for Time of Service - FGTS (eligible users are allowed the withdraw from FGTS for payment of Real Estate financing under SFH), the current account savings and loans raised in the country or abroad for the implementation of housing projects and mortgage bonds (debt securities) issued by financial agents. Under this scheme, funding can go up to 90% of property value, and cost effective maximum (which includes all charges and expenses incidental to the credit contracted or offered to individuals) may not exceed 12% per year, including interest, fees and other charges. O SFH utiliza os seguintes recursos para fornecer crédito aos cidadãos: o Fundo de Garantia por Tempo de Serviço - FGTS (é permitido o retirar do FGTS para o pagamento de financiamento imobiliário sob SFH), a poupança em conta corrente e empréstimos captados no país ou no exterior para a implementação de projetos de habitação e obrigações hipotecárias (títulos de dívida) emitidas pelos agentes financeiros. Ao abrigo deste regime, o financiamento pode ir até 90% do valor do imóvel, e o custo máximo efetivo (que inclui todos os encargos e despesas acessórias ao crédito contratado ou oferecido a pessoas físicas) não pode exceder 12% por ano, incluindo os juros, taxas e outras encargos.

Brazil Loans: Real Estate Financing: Value: for Purchase: Residential Building: Market Rate: Southeast: Rio de Janeiro data was reported at 28,589,033.000 BRL in Nov 2018. This records a decrease from the previous number of 75,895,261.000 BRL for Oct 2018. Brazil Loans: Real Estate Financing: Value: for Purchase: Residential Building: Market Rate: Southeast: Rio de Janeiro data is updated monthly, averaging 72,112,763.500 BRL from Dec 2009 (Median) to Nov 2018, with 108 observations. The data reached an all-time high of 190,072,704.000 BRL in Jul 2013 and a record low of 22,621,733.000 BRL in Aug 2016. Brazil Loans: Real Estate Financing: Value: for Purchase: Residential Building: Market Rate: Southeast: Rio de Janeiro data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB064: Loans: Real Estate Financing: Value: for Purchase: by Region: Residential Building: Market Rate. The SFH uses the following features to provide credit to citizens: the Guarantee Fund for Time of Service - FGTS (eligible users are allowed the withdraw from FGTS for payment of Real Estate financing under SFH), the current account savings and loans raised in the country or abroad for the implementation of housing projects and mortgage bonds (debt securities) issued by financial agents. Under this scheme, funding can go up to 90% of property value, and cost effective maximum (which includes all charges and expenses incidental to the credit contracted or offered to individuals) may not exceed 12% per year, including interest, fees and other charges. O SFH utiliza os seguintes recursos para fornecer crédito aos cidadãos: o Fundo de Garantia por Tempo de Serviço - FGTS (é permitido o retirar do FGTS para o pagamento de financiamento imobiliário sob SFH), a poupança em conta corrente e empréstimos captados no país ou no exterior para a implementação de projetos de habitação e obrigações hipotecárias (títulos de dívida) emitidas pelos agentes financeiros. Ao abrigo deste regime, o financiamento pode ir até 90% do valor do imóvel, e o custo máximo efetivo (que inclui todos os encargos e despesas acessórias ao crédito contratado ou oferecido a pessoas físicas) não pode exceder 12% por ano, incluindo os juros, taxas e outras encargos.

Brazil Loans: Real Estate Financing: for Purchase: Units: Residential Building: Housing Finance System data was reported at 14,924.000 Unit in Nov 2018. This records an increase from the previous number of 12,045.000 Unit for Oct 2018. Brazil Loans: Real Estate Financing: for Purchase: Units: Residential Building: Housing Finance System data is updated monthly, averaging 17,309.000 Unit from Jul 2009 (Median) to Nov 2018, with 113 observations. The data reached an all-time high of 32,218.000 Unit in Jun 2013 and a record low of 6,218.000 Unit in Apr 2016. Brazil Loans: Real Estate Financing: for Purchase: Units: Residential Building: Housing Finance System data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB049: Loans: Real Estate Financing: for Purchase: by Expenditure Level. The SFH uses the following features to provide credit to citizens: the Guarantee Fund for Time of Service - FGTS (eligible users are allowed the withdraw from FGTS for payment of Real Estate financing under SFH), the current account savings and loans raised in the country or abroad for the implementation of housing projects and mortgage bonds (debt securities) issued by financial agents. Under this scheme, funding can go up to 90% of property value, and cost effective maximum (which includes all charges and expenses incidental to the credit contracted or offered to individuals) may not exceed 12% per year, including interest, fees and other charges. O SFH utiliza os seguintes recursos para fornecer crédito aos cidadãos: o Fundo de Garantia por Tempo de Serviço - FGTS (é permitido o retirar do FGTS para o pagamento de financiamento imobiliário sob SFH), a poupança em conta corrente e empréstimos captados no país ou no exterior para a implementação de projetos de habitação e obrigações hipotecárias (títulos de dívida) emitidas pelos agentes financeiros. Ao abrigo deste regime, o financiamento pode ir até 90% do valor do imóvel, e o custo máximo efetivo (que inclui todos os encargos e despesas acessórias ao crédito contratado ou oferecido a pessoas físicas) não pode exceder 12% por ano, incluindo os juros, taxas e outras encargos.