Recommender – Home Renovation Brazil

How it works, who is eligible, and how to register.

THE Casa Brasil Renovation It is a federal program, operated by BOX, which offers credit with reduced interest rates and digital process 100% to renovate, expand or adapt homes throughout the country.

The focus is on enabling improvements such as roof or floor replacement, electrical and hydraulic repairs, accessibility adaptations and expansions, including materials, labor, and technical services.

 Officially launched in 21/10/2025 and in operation since 03/11/2025The program combines simplicity, speed, and security, without intermediaries, without "cutting in line," and with contracting exclusively through official channels.

What is the program and what is its objective?

In practical terms, the Reforma Casa Brasil program was designed to... guarantee decent housing and to boost the construction industry economy.

This means helping families solve structural or comfort problems in their homes (dampness, leaks, old or inadequate installations, accessibility) while simultaneously stimulating sectors that generate local jobs, such as small contractors, building materials stores, and service providers.

The program allows you to use the credit for both materials how much for labor and technical support (projects/ART/execution), in addition to including real estate residential and some cases of mixed use (residential + commercial), provided that the primary purpose is housing.

Is it safe? How to avoid scams

Yes, provided the entire process occurs. just by the official channels: CAIXA website and app (simulation, registration, document submission and digital signature).

General information and answers to structural questions can be found on the official Government page (“Ask your questions”, on gov.brTwo important warnings:

1. There is no registration fee. No payment is allowed to "speed up" or "guarantee approval." Any charge of this type is illegal. fraud.
2. There is no customer service available via WhatsApp. Offering "spots," "invitations," or "priority registration" in the program. Report it.

Remember: never Share personal data and photos of the property with third parties outside of CAIXA's system; always Check the website address before filling out forms.

Who can participate: income brackets, limits, and deadlines.

Eligibility is organized by gross monthly family income brackets (sum of all incomes of the family unit). In general terms:

• Track 1 — up to R$ 3.200: interest of 1,17% am, term up to 60 months.
• Band 2 — from R$ 3,200.01 to R$ 9,600: interest of 1.95% am, term up to 60 months.
• Band 3 — above R$ 9.600conditions defined by credit analysisofficial communications indicate interest rate ceiling of 1.95% am.

For bands 1 and 2, the amounts that can be financed usually vary from R$ 5 thousand to R$ 30 thousandIn all ranges, the maximum performance is limited to 25% of monthly family income.

Important note: Approval and final limits depend on CAIXA's credit analysis, the property profile, and the construction budget.

In cases of properties with specific restrictions (irregular situation, risk, location or conditions outside the scope of housing improvement), there may be eligibility exclusions.

What can be financed (and what cannot be included)

Items included:

• Building materials (e.g., flooring, wall coverings, roof tiles, window and door frames, paints, and structural materials).
• Labor (performance of services).
• Technical services (projects, monitoring, technical responsibility).

Main use: residentialReal Estate mixed (Residential + commercial) can be accommodated when housing is the focus.

Out of scope: The specialized press has mentioned situations in which the house it doesn't fit The program is not implemented for reasons of safety, regularity, or purpose that go beyond "housing improvement."

The recommendation is pre-qualify the case and to officially confirm Contact CAIXA before proceeding.

Relationship with the Minha Casa, Minha Vida (MCMV) program

THE MCMV continues as the axis of housing acquisition/production.

For Band 1 (subsidized), the Registration is done through city halls/entities.For funded tracks, the path is through financial institutions (BB/CAIXA).

Important: There is no registration fee. in the MCMV program. The Reforma Casa Brasil program is distinct: focused on renovation/expansion of the property where the family resides, with contracting through CAIXA and digital processes.

Do not confuse "renovation" with "acquisition": they are different programs, with own rules and objectives.

Illustrative example of installment calculation

Attention: The numbers below are For illustrative purposes only. These are to demonstrate budget logic and do not replace official simulations.

Imagine a family income of R$ 4.800 (Track 2). The maximum installment would be 25% of income: R$ 1.200Suppose a project of R$ 20.000 in 48 monthsIn the official simulation, CAIXA will indicate the installment amount based on range rateno term and in credit analysisIf the calculated installment exceeds R$ 1,200, you may adjust the deadline (up to 60 months) or adjust the budget of the work to fit within the limit. The system can also suggest lower amount that can be financed according to income.

How to put together a good construction budget

To make the most of the program, it's worth following a simple itinerary:

1. Property diagnosis – List priority problems (water infiltration, electrical issues, roofing, accessibility).
2. Project and scope Ask when necessary. technical support to determine the dimensions of materials and labor.
3. Get quotes from 2-3 suppliers. Compare prices and delivery times.
4. Step-by-step schedule – Ex.: “electrical → plumbing → tiling → painting → finishing → cleaning”.
5. Technical reserve – Set aside a margin (5–10%) for unforeseen circumstances.
6. Documentation and photos – Keep records of before, during and after.

This approach avoids the "never-ending project" effect, reduces waste, and provides predictability to installments, bearing in mind that... last 10% it is paid after verification In conclusion.

Checklist of the most common documents

• Personal documents from the applicant(s).
• Proof of income (pay stubs, bank statements, self-employed/MEI declaration, as applicable).
• Proof of address.
• Property information and photos of the situation before the work.
  The process is digital and CAIXA can request it. additional items according to the applicant's profile and the property.

Rules and limitations: what to observe

• Payment limited to 25% income.
• Eligible amounts typical of R$ 5 thousand to R$ 30 thousand in lanes 1 and 2.
• Term up to 60 months.
• Property conditions they can restrict eligibility (Please refer to the official channel).
• No registration fee., without "cutting in line" and without intermediaries.
• The whole process it happens at the BOX (website/app).

Practical tips for a smoother construction project.

1. Prioritize what solves real pain. (Electrical safety, leaks, roof). Aesthetics come after addressing risks.
2. Follow the schedule. weekly; small deviations, if corrected early, do not lead to major delays.
3. Buy materials with invoice and warranty.Avoid expensive leftovers and difficult returns.
4. Formalize the workforce. (scope, deadline, payment method, responsibility).
5. Keep receipts and photos.In addition to organizing the work, they help in verifying the... 10% final.

Conclusion

The Reforma Casa Brasil program delivers clear social purpose and simplified executioncredit with reduced interest rates, digital analysis, online hiring and two-step payment to ensure that the project actually happens.

By understanding the income brackets, installment limits and eligible itemsThis allows the family to gain predictability in organizing the budget, planning the work in stages, and completing the improvements safely.

The path is official, direct, and without shortcuts: Simulate, send the documents, digitally sign, and execute your project.everything for CAIXA channels.

Editorial notice: This content is for informational purposes only. Rules, deadlines, and conditions may change; always confirm with official CAIXA and government channels before registering.