Subsidies and government programs

A subsidy is the part that a government program may deduct from the property price for those who meet the rules. It is not guaranteed: it depends on your income bracket, the property, the program's availability and the bank's analysis.

Minha Casa Minha Vida 2026 (MCID Ordinance No. 333/2026)

• Urban Bracket 1: monthly family income up to R$ 3,200;
• Urban Bracket 2: income from R$ 3,200.01 to R$ 5,000;
• Urban Bracket 3: income from R$ 5,000.01 to R$ 9,600;
• Middle Class: income up to R$ 13,000, for properties up to R$ 600,000.

The biggest advantages (larger subsidies and lower rates) are in the lower income brackets. The exact subsidy amount is calculated at contracting, according to the rules in force and each family's classification.

FGTS

Those with an FGTS balance can use it for the down payment, to pay part of the installments or to amortize, under the program's conditions.

How Tecbank helps

We check your bracket, explain what you can request and prepare your documents. We do not promise subsidy or approval: the decision belongs to the bank, within the program's rules.

Sources: MCID Ordinance No. 333, of March 30, 2026 (income brackets); MCMV Middle Class - Ministry of Cities (property up to R$ 600,000); CAIXA; FGTS. Accessed in October 2026.