In less than 10 minutes you'll find out:

• Funding programs;
• Practical tips on how to renovate your home;
• Secure hiring without compromising the family budget;
• Official channels;
• Required documents;
• From simulation to loan approval.

Step-by-step application process — quick guide

1. Plan the scope of the work.
   List the rooms and what will be done in each one (e.g., replace bedroom flooring, redo bathroom plumbing, paint living room and hallway).

Mark what it is technical priority (leak, short circuit, seepage) and what it is aesthetic (painting, finishing).

• Take measurements and create a basic budget.

• Some materials (with a 10% margin for unforeseen events).
• Request 2–3 labor quotes (A fixed price per stage helps avoid surprises).
• Predict indirect costsDumpster, tarp, PPE, post-construction cleanup.
•  Access the official CAIXA channel (website/app).
  Do the simulation, providing family income and property details. The system indicates range, value and term likely.

• Send documents and photos.
  They typically ask for photo identification, proof of income, proof of property ownership, and... "Before" photos to prove the need for intervention.

• Sign digitally
  Review all the conditions (amount, term, and installment). If you agree, sign. online.

• Start the project with control.

• Buy materials with invoice.
• Pay for services with receipts Detailed (what was done, hours/step).
• Do checkpoints with each completed phase (structural, electrical/plumbing, finishing).
• Finalize and verify.
  Send the final proofs (photos of the "after" and documents) to release the remaining balance and finalize the hiring process.

What is the Casa Brasil Renovation Program?

Reforma Casa Brasil is a program of Credit with reduced interest rates aimed at renovations, expansions and adaptations of housing across the country.

The hiring takes place through official CAIXA channels (website and app), with a simplified flow: you simulate, send your data and documents, sign the contract digitally, and track the release of funds to begin construction.

What can be included in your retirement?

• Construction materials: Roof tiles, flooring, wall coverings, cement, paints, sanitary ware, metalwork, wiring, conduits, among others.
• Labor: Masonry, plumbing, electrical, painting, assembly, and specialized professional services.
• Technical services: Project design, technical monitoring, and reports when necessary.
• Adaptations and accessibility: Ramps, grab bars, wider doorways, safer lighting, and other adaptations for comfort and mobility.
• Planned expansions: Creating a new bedroom, expanding the kitchen, integrating spaces, or building a service area.

Tip: Include a complete review of in your plan. electric and hydraulicsRather than simply replacing the finish, it's better to address structural problems that cause leaks, water infiltration, and power outages.

Who can participate?

The program was designed to serve Brazilian families, with rules organized by income brackets.

For the intended audience of this guide, family income up to R$ 9,600/monththe conditions are the most advantageous, with installments limited to a portion of the budget and deadlines that suit the needs of those who require renovations without straining their household budget.

What counts as family income: Add up the gross income (before deductions) of all family members who contribute to expenses, such as salaries, commissions, pensions, and fixed incomes.

Important: the monthly installment It is calculated to fit. within your income, preventing the financing from compromising the family's routine.

Is it really safe?

Yes, as long as you do everything through official channels..

The program is operated by BOX, and the journey is online From beginning to end.

Some essential precautions:

• Never pay a "registration fee". Don't even accept "cutting in line".
• Be wary of WhatsApp links. and messages promising immediate approval.
• Use only the official website and app. from CAIXA.
• Keep records, emails, and receipts. step by step.

Use this in your planning as well: security isn't just about protecting against scams; it's also about hiring qualified professionals, demanding a detailed budget, and a clear timeline.

How it works in practice (flow overview)

1. Simulation: Please provide your family income, property details, and the estimated cost of the renovation.
2. Analysis: CAIXA checks your income bracket, calculates the limit and... compatible monthly installment.
3. Documents and photos: send ID, proof of address and "Before" images to validate the scope of the work.
4. Contract signing: 100% digitalWith security and registration.
5. Credit release: You receive the majority of the payment upfront to begin the project, and the remainder after completion and verification.
6. Follow-up: Keep invoices, service receipts, and take photos of the progress; this speeds up the final stage.

What changes at the end of the year (and how to use it to your advantage)

• Calendar: Combine the renovation with vacation and holiday periods, when it's easier to stay home to oversee the work.
• Budget: Use part of your 13th-month salary for reduce the amount to be financed (Larger down payment = smaller installments).
• Materials: enjoy seasonal promotions from home centers (flooring, paints, hardware) and plan your purchases at lots to get a discount.
• Term: Set realistic goals. Renovations are delayed when there are insufficient materials, pending decisions, or professionals without a schedule.

How to organize construction work (without stress)

Create a phased schedule.

1. Demolition/removals
2. Structural (masonry, leveling)
3. Electrical and plumbing (piping, boxes, circuit breakers)
4. Wall coverings and flooring
5. Painting and finishing
6. Cleaning and delivery

Assign responsibility for each step.
If you hire different professionals (electrician, plumber, plasterer), coordinate them. entry dates and exit each person should do so that there is no idleness.

Have a "plan B"
Unexpected things happen (rain, delivery delays). Be prepared. 10–15% slack in the schedule and a financial reserve Too small for adjustments.

Tips to fit within your budget (income up to R$ 9,600)

• Prioritize invisible items.However, crucial elements include: proper electrical work, correct grouting and waterproofing, and sealing of windows and doors.
• Use intermediate lines In terms of finish; it avoids both basic, flimsy, and expensive premium options.
• Buy by environmentFinalize your bathroom list (flooring, wall tiles, toilet, drain, faucets, shower enclosure) and try to negotiate. combo.
• Evaluate "do with supervision"Some simple tasks (painting a smooth wall, light sanding) can be done by the family, provided that with PPE and technical guidance This reduces labor costs.
• Standardize measurements (same door width, same faucet type) for gain scale during the purchase.

What not to do

• Start with the finishing touches. without fixing the water infiltration or old electrical wiring.
• Buy only because of the promotion.Always ask. technical specifications and check the warranty.
• Skip the contract Regarding the provision of services: agree in writing and detail the scope.
• Leave disposal for last.Plan for a skip and cleaning to avoid delaying delivery.

1-page checklist (save and use)

• Define scope (technical vs. aesthetic)
• Create a budget (materials + labor + 10% unforeseen expenses)
• Measuring environments and list finishes by room
• Simulate on CAIXA's official channel
• Separate documents (income, property, "before" photos)
• Sign digitally after reviewing conditions
• Buy with receipt and hire with receipt
• Follow through the stages (checkpoints + photos)
• Send proof. to release the final balance
• Perform final inspection. (shower, sockets, faucet, lock, grout)

Why this is a good time to renovate?

The end of the year is when families get together, visitors arrive, and the house needs to be functional and beautiful. In addition, many people receive their 13th-month salary, bonuses, and time off, which makes it easier to organize renovations and check on progress.

With Reforma Casa Brasil, the application process is digital, contracting is secure through official channels, and the resources are directed specifically towards improvements to your home, from the roof to the floor, from the electrical system to accessibility.

In other words, it's a chance to transform what is urgent into a planned solution, with installments within budget and simple monitoring.

Quick guide by environment (objective inspirations)

Bathroom

• Replace old valves with models that offer efficient sealing.
• Epoxy grout in shower stalls to reduce mold.
• Linear drains improve drainage and finish.

Kitchen

• Outlets every 60–80 cm from the countertop, with a dedicated circuit for microwave/oven.
• Washable lining up to the height of the range hood.
• A faucet with an aerator saves water.

Rooms

• Vinyl flooring is noise-reducing and easy to clean.
• Outlets on the sides of the bed (chargers), parallel switch.
• Doors with rubber seals reduce dust.

Room

• A structured TV point (ducts) avoids exposed wires.
• Matte paint on main walls disguises imperfections.
• Layered lighting: general, indirect, and accent lighting.

Laundry

• Product niches, a deep tank, and a long-spout faucet.
• Provide for a well-positioned drain and machine vent.

Sample budget (to adapt)

• Essential materials (basic): R$ 4.000–R$ 7.000
• Finishing materials (by room): R$ 1.200–R$ 3.000
• Labor (per stage): R$ 1.500–R$ 4.000
• Technical services: R$ 500–R$ 1.500
• Unforeseen events (10–15%): variable

Use these values as a reference only. planningActual prices vary by city, brand, square footage, and complexity of the work.

Conclusion

Now is the time: the end of the year is the perfect moment to make your home beautiful, safe, and ready to welcome your loved ones, without straining your budget and with simple support from start to finish.

This program is for you if you have an income of up to R$9,600 and wish to renovate your home with planning and security. The program rules, income brackets, limits, and conditions may change over time. To apply, use only official CAIXA channels and confirm the conditions in effect at the time of contracting.

Start today and turn the game around this year!