Caixa Financing
Let's get straight to the point: you can use Caixa Financing to finance a new or used house, apartment – that's right, Caixa has the ideal line of credit for you.
What is it
If you are going to buy a new or used property, Caixa has the ideal housing credit line for you with up to 35 years to pay!
Caixa evaluates the property and the payment conditions. The financing installment can be up to 30% of your gross family income and it is possible to use your FGTS as part of the payment
Want to see what type of financing best fits your budget?
Make a simulation and look for the Caixa Correspondent closest to you or CAIXA Agency
How do I apply for Caixa Financing?
1st – Do a simulation
Enter your details and find out the installment amount, term and other conditions for financing a property.
To perform the simulation, access.
2nd – Credit analysis
Present the documentation to the bank correspondents or to the manager at the branch. This is when Caixa identifies the possibilities of using your FGTS and the type of credit that is most suitable for you.
To see the necessary documentation: access.
3rd – Engineering analysis
After analyzing the documents, Caixa goes to the property to assess the sale value and conditions of use.
Track your proposal
4th – Signing the contract
After the engineering approval and the credit release, just go to the Caixa branch. With the signed contract, you can consult information through the Caixa Habitação app or here on the website.
My Contract
5th – Payment of installments
Throughout the term established in the contract, the monthly installments of the housing loan are paid. Count on the convenience of direct debit or print the bills from the website or the Habitação Caixa app.
Services
6th – Financing management
Did you receive some extra money and want to pay off your outstanding balance? Or are things getting tight and you need a break from paying your installments? These and other adjustments can be made through Caixa Internet Banking, on the website or at your branch.
Find out everything about home ownership
If you already have financing, check out what else Caixa can do for you.
- Financing Guide
Get all your questions answered about how to apply for financing. - Construcard
Caixa finances the construction materials for your project with the best rates. - Real Estate Consortium
Buy or renovate your home in a planned way with Caixa. - Public Housing
See all areas of Caixa's activity for the Public Authorities. - Caixa Properties
Meet (X) Imóveis. Caixa's real estate portal. The best choice for those who want to pay less. - Debt negotiation
Negotiate your housing contract debts without leaving home. - Housing Services
Do you already have a contract and need some information about it? Choose the best service channel.
Learn more.
Understand: TR, IPCA or Fixed Rate?
TR, IPCA or Fixed Rate: which one to choose?
Caixa offers housing finance options with two different correction factors: TR and IPCA. They update the outstanding balance monthly on the installment due date. The housing finance option is also offered without correction, that is, with a Fixed Rate.
Learn about the characteristics of each index and choose which one best suits your financial planning. Find out more.
Comparative Charts
Understand how the variation in the amounts paid for the installment and the outstanding balance occurs in contracts that use TR or IPCA, in addition to fixed-rate contracts
Outstanding Balance Chart
According to current rates, in contracts with the SAC amortization system, the value of the outstanding balance when the index is the TR or when the rate is pre-fixed, decreases equally (the green line overlaps the orange line) and more quickly than when the IPCA is used. The results expressed in the graph are hypothetical given the uncertainties of the future variation of the IPCA and the TR.*
The following values were used to simulate the graph:
Financing Amount R$ 300k Term: 360 months Rate: 3.95%a.a Hypothetical IPCA: 3.8%a.a.
See the Chart*: access.
Installment Value Chart
According to current rates, in contracts with the SAC amortization system, the value of the installment that uses the TR as an index or the pre-fixed rate decreases over time, while in contracts that use the IPCA, the value of the installment increases because it undergoes the same IPCA correction applied to the balance. The results expressed in the graph are hypothetical given the uncertainties of the future variation of the IPCA and the TR, in the same way as before.*
The outstanding balance is updated every month on the installment due date, therefore, the simulated installments will have monthly changes according to the correction factor.
The following values were used to simulate the graph:
Financing Amount R$ 300k Term: 360 months Rate: 3.95%a.a Hypothetical IPCA: 3.8%a.a.
See the Chart*: access.
*Observation: the data used in the illustrations are hypothetical.
Real Estate Credit with IPCA
You can now finance your property using the Broad National Consumer Price Index (IPCA) as a factor for updating the outstanding balance of your contract. This is the new option that Caixa offers in addition to the TR. Interest rates will be available for contracting from 08/26 and vary between IPCA + 2.95% to IPCA + 4.95% per year.
Run a simulation* and see which alternative is best for you.
*The installment value shown in the simulations is recalculated for the remaining term to balance the contract in order to settle it.
You can also use your FGTS
Caixa's housing credit is provided by the Housing Finance System – SFH and is guaranteed by fiduciary alienation (i.e., the property is the guarantee of the loan).
The FGTS balance can be used to finance the property, one of the conditions being that the worker has at least 3 years of formal employment.
The property must be located in the same municipality, neighboring municipalities or those belonging to the same metropolitan region where you have lived for more than a year. If the place where you work
For more information, access the booklet provided by Caixa.
Documents for download
- Real Estate Financing – access
What do I need to know to apply for financing? - Required documentation – access
Check all the documentation required for your financing - Caixa Real Estate Financing Guide – access
Consult the housing finance booklet
Still have questions about Caixa Financing?
Service channels
- Call 0800 726 0101
Contact us directly. - Social media
We also serve on Facebook - Google Assistant – access
Contact Caixa via Google Assistant - SAC 0800 726 0101
- Ombudsman 0800 725 7474
Other important channels:
- Digital Channels
- Applications – mobile and tablet
- All phones
- Hearing impaired
- Find an agency
- Contact Us
Before Hiring
Before making any final decision, it is worth finding out all the details of each contract. Understand the bank's conditions and the available alternatives. As well as gain clarity on whether this is really the best time to do so.
Digital Insurance
Here at Digital Seguro we have a wide variety of articles and news. These cover everything from significant updates on day-to-day events about the country's economic situation and other related topics, to extensive and dense content, in an educational and/or expository format, whose objective is precisely to keep you equipped with all the information you need to recognize the best option and make the best decision for your specific situation. Learn more.
Check out our page financing and loan simulation.
See also: Home financing through HSBC Bank.