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Real estate financing
Prepare your purchase and make a mathematical estimate.
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Property-backed credit
Understand the property and credit evaluation.
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Choose by income, by desired installment or by property and income. Local model aligned with the public parameters observed on October 29, 2026. It is not a full bank simulation or a credit analysis.
No CPF, phone, registration or submission to the bank. Use example data if you prefer. The date is only used to estimate term and MIP; nothing is stored.
Initial term of up to 420 months, reduced for an age at the end of up to 80 years and 6 months; installment budget of 30% of income and base financing of 80% of the property. The down payment may increase to fit the income. The system chooses the rate reference by income and property bracket, SAC from 10.92% per year and Price below that parameter. This does not confirm entitlement to FGTS, subsidy or classification in a program.
The quick public model adds a reference monthly fee of R$ 25, DFI of 0.0066% of the property and age-based MIP to the base calculation. These values are average parameters, not contracted insurance prices or CET. The last installment is a model approximation and not a projection of the insurance over the contract. ITBI and other expenses are estimated at 5% of the property, not a universal legal rate nor a financed amount.
It does not project TR/IPCA, subsidy, FGTS balance, eligibility, location, credit analysis or final conditions. Brackets/rates may change and the full official result may differ. Source: simuladorhabitacao.caixa.gov.br/calculadora, public version 1.16.0.2.
Already have a rate and a financed amount? Use the free installment calculation below. It does not include this model's average charges.
Organize the property value, the planned down payment and the term you want to evaluate. Choose a public reference or enter the effective annual rate of your proposal. The calculation remains local and does not query a banking API.
Parameter observed on the official quick calculator on October 29, 2026, in the bracket of properties up to R$ 2.250.000 and income up to R$ 77.500. It is a mathematical reference, not a rate approved for you or a complete eligibility table. Other lines and profiles have different conditions. We do not automatically apply subsidized rates.
In the TR line, the balance correction is additional to the interest. The calculation below does not project future TR and does not include MIP/DFI insurance, fees or CET. The actual installment may be higher and vary.
Source consulted: simuladorhabitacao.caixa.gov.br/calculadora. Conditions subject to the institution's analysis and confirmation. Tecbank is not CAIXA and this tool does not forward proposals to the bank.CAIXA reference maximum term: up to 420 months (35 years). The effective limit depends on the line, the amortization system and the applicant's age. The 240 months filled in are just an example: you can change the term.
Mathematical estimate without insurance, fees, taxes, TR/IPCA updating, appraisal/registration costs or CET. Equivalent monthly rate: (1 + annual rate)^(1/12) - 1. Price: theoretical constant installment; SAC: constant amortization and decreasing installment. It is not a proposal, credit analysis or approval. It does not use banking APIs; CAIXA reference consulted in a public source. The values stay only in this tab and are not sent.The property can be taken in case of default. Do not send the property deed, personal documents or receipts on this page.
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