August 19, 2022
Casa Verde y Amarilla now serves more families?  Understood!

Casa Verde y Amarilla now serves more families? Understood!

Those who earn up to R$8,000 per month will be able to count on funding from the Casa Verde e Amarela programme.

Estimated reading time: 3 Minutes

From today (22), those who earn up to R$8,000 per month will be able to count on funding from the Casa Verde e Amarela programme. In addition, interest in the Pró-Cotista line intended for people with high incomes has been reduced.

The Federal Savings Bank The measures were announced last Thursday (21). The state-owned company has issued an official decision of the Board of Trustees of the Stop Compensation Fund (FGTS), which approved the changes in early July.

Changes in income classes

Changes in income categories occurred as follows:

category Previous values ​​(monthly income) New values ​​(monthly income)
lane 1 Up to 2.4 thousand Brazilian riyals It was kept at 2.4 thousand Brazilian riyals
1.5 . range From 2.4 thousand Brazilian riyals to 2.6 thousand Brazilian riyals From 2.6 thousand Brazilian riyals to 3 thousand Brazilian riyals
Track 2 From 2.6 thousand Brazilian riyals to 3 thousand Brazilian riyals From 3 thousand Brazilian riyals to 4.4 thousand Brazilian real
Track 3 From 3 thousand Brazilian riyals to 7 thousand Brazilian riyals From 4400 BRL to 8000 BRL
Source: FGTS Board of Trustees and Caixa Econômica Federal

Thus, Caixa reported in a note that the expansion of income brackets will allow more people to access lower interest rates on financing using FGTS resources. In this way, a distinction is made between subsidies and conditions in each area of ​​the housing program.

supportive contributor

In short, the prices of the Pró-Cotista line, aimed at those without access to the Casa Verde e Amarela programme, have been reduced until December 31. Therefore, interest rates have been reduced by 1 percentage point for properties with a value of up to 350 thousand Brazilian reals. The minimum rates have been changed from the reference rate (TR) plus 8.66% per annum to TR plus 7.66% per annum.

Moreover, for properties between R$350,000 and R$1.5 million – the housing financial system ceiling – the rate changed from TR plus 8.66% per annum to TR plus 8.16% per annum. Caixa has also increased financing of the Pró-Cotista line to 80% of the appraised value of the property.

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