Mortgage financing: your home, your first property, your apartment

Planning the property purchase — AI-generated illustrative image.

Mortgage financing is the most common way out of renting: you pay a down payment and split the rest into monthly installments, using the property itself as collateral.

Minha Casa Minha Vida 2026: Middle Class bracket

The program currently has a Middle Class modality: family income up to R$ 13,000 (limit updated by Ordinance MCID No. 333/2026) and properties up to R$ 600 thousand, according to the official MCMV Middle Class page at the Ministry of Cities. Exact interest and subsidy conditions depend on your income bracket and the bank.

How Tecbank helps

We analyze your case and income to point to the right bracket and product;
We prepare and organize your documents;
We simulate conditions across several banks;
We follow the process through to contract signing. Service in Portuguese.

Check your Minha Casa Minha Vida bracket

Monthly family income (R$)

Brackets per Ordinance MCID No. 333/2026. Final classification depends on the bank and the program.

Sources: MCMV Middle Class - Ministry of Cities and Ordinance MCID No. 333, of March 30, 2026. Accessed in October 2026.

I want to finance a property (service in Portuguese)

Ready for the next step?

Prepare your journey with Tecbank simulators and guides and arrive at the conversation with everything organized. Content in Portuguese.

Prepare with simulators and guides →Tecbank WhatsApp · service in Portuguese

From simulation to property registration

Organize the stages: simulation, credit analysis, registration and documents, technical appraisal of the property, contract, registration and release under the institution's conditions. An initial simulation does not replace document analysis nor confirm the property was accepted.

In the banking reference checked, release to the seller happens after delivery of the registered contract and the updated title record. Tracking a proposal under analysis is different from checking a contract already in payment. Tecbank must not schedule opening or release before official confirmation.

Compare down payment, CET, insurance, appraisal, taxes and registration. SAC and Price do not eliminate additional costs or contractual adjustment. Using FGTS depends on current rules and analysis; a dated example rate in a catalog is not a current proposal for you.

Next step for your company

Learn the steps and prepare the opening of your business account. You stay within Tecbank.

open your business account nowGuidance for opening with the responsible institution. Not a Tecbank-owned bank account nor automatic approval.