Who is linked to FGTS now you can have a reduction in interest rates housing finance. This is because the FGTS Board of Trustees approved, on the 7th, some measures to expand this type of credit and facilitate financing for workers.
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The effective interest rate will drop by 1%, falling from 8.66% to 7.66% per annum. This rate applies to financing real estate valued at up to R$ 350,000. In cases of properties that exceed this amount, the rate rises to 8.16%.
The program rules Green and Yellow House also underwent changes, such as the income ceiling for beneficiaries, which can now reach R$ 8,000. The correction of the income ranges was due to the increase in inflation.
With these changes, the capacity of Brazilians will increase, especially for those who are beneficiaries of Casa Verde e Amarela. The measures are scheduled to come into effect on July 18. The subsidy system was also adjusted by the Council, increasing the financing capacity of families benefiting from Casa Verde e Amarela by up to R$ 36,000.
José Carlos Martins, president of the Brazilian Construction Industry Chamber, says that hiring will be stimulated by these measures, which were down due to the value of inputs in the sector. “We had a brutal reduction in hiring between the end of 2021 and the beginning of 2022”, he said.
In addition to all this, there is still the vote on the Provisional Measure that will allow the use of R$ 3 billion from the FGTS to cover defaults by people who took out microcredit.
The proposal also includes an increase in the term of payment of financing to 35 years – previously it was 30 years. The MP is still awaiting approval by the Senate, since it has passed through the Chamber of Deputies. But it needs to be voted on by July 15th, otherwise it expires.
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