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The new cap will benefit all regions of the country and will be worth the financing of new residential properties contracted as of Granted with FGTS and savings funds, SFH funding charges interest of up to 12% per annum. Beyond these values, the rules of the Financial Real Estate System (SFI), with higher rates and freely defined by the market, are valid.
Flexibility
In addition to raising the funding ceiling with funds from the Guarantee Fund, CMN has relaxed the portion that banks are required to apply to home loans. Until now, banks have had to allocate 65% of savings resources to real estate financing, of which 80% (the equivalent of 52% of deposits in the book) should be used in SFH.
Read more Today's decision, the 80% sub-limit will expire in January. In this way, banks can use savings resources to finance real estate of any value, at the discretion of each institution. However, banks granting loans for badets worth up to R $ 500,000 will have the value multiplied by 1.2 to facilitate compliance with the obligation to use 65% of the savings realized in real estate financing.
Incentive to Construction [19659005] According to the Central Bank (BC), measures were taken to stimulate civil construction. Recently, industry players have complained that the construction industry continues to retreat and overcome difficulties in getting out of the crisis because of the high cost of financing
" This set of improvements makes the rules of pilotage more flexible., Aims to stimulate the entry of new operators and the best segmentation of the market.We also expect a greater compatibility between supply and demand. financing, respecting the structure and characteristics of our real estate market.The greater freedom to contract can also stimulate the development of the securitization market [conversão de papéis] and securities with real estate operations, attracting new resources for the sector " , explained the BC in a memo
Permanent Ceiling [19659005] In November 2016, the CMN had readjusted SFH's real estate financing ceiling of 6 R $ 50,000 to R $ 800,000 in most of the country and R $ 750,000 to R $ 950,000 in the Federal District, Minas Gerais, Rio de Janeiro and São Paulo. In February of last year, the ceiling was readjusted to 1.5 million reais per unit in all regions of the country, which was in effect until the end of last year.
In January of this year, R $ 950,000 for four units of the Federation and R $ 750,000 for the rest of the country. According to the OC, the maximum amount of 1.5 million reais per property will be permanent.
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