5 examples of home renovations that fit into the Casa Brasil Renovation Program

Getting to know 5 examples of reforms that fit into the Reform Program Casa Brasil is the first step for thousands of families who dream of having a more dignified, safe, and comfortable home.

The Federal Government officially launched this new initiative in October 2025, with credit operations beginning on November 3rd.

This is not just another funding round, but a robust R$ 40 billion program.

The goal is clear: to facilitate access to credit for those who already own property but need resources to improve it. The possibilities are wide-ranging, from replacing a roof to expanding the house.

Many people wonder if the construction project they plan is covered by the initiative. The good news is that the program was designed to be comprehensive, focusing on improving the quality of life, safety, and even the sustainability of Brazilian homes.

This detailed guide, based on the official rules released, will help you understand what can be funded.

Table of Contents:

• What exactly is the new Casa Brasil Renovation Program?
• What are the income brackets and conditions of the program?
• Which ones 5 examples of reforms that fit into the Reform Program?
• How does the digital application process work at Caixa?
• Why is this program so important for the country in 2025?
• Conclusion
• Frequently Asked Questions (FAQ)

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What exactly is the new Casa Brasil Renovation Program?

Launched in October 2025, Reforma Casa Brasil is the new public housing policy of the Federal Government.

The program became fully operational on November 3, 2025, with a total investment of R$ 40 billion to fund housing improvements.

It is operated by Caixa Econômica Federal and stands out for its simplified contracting process.

The loan application is made entirely digitally, directly through the Caixa website or app, making access faster and less bureaucratic.

The program was created to address a long-standing need: families who already own their homes but lack the resources to carry out essential renovations.

The President of the Republic highlighted at the launch that the objective is to serve those whom the traditional market often ignores.

The resources are substantial. They amount to R$ 30 billion from the Pre-Salt Social Fund, earmarked for the lowest income brackets.

Another R$ 10 billion comes from Caixa's Brazilian Savings and Loan System (SBPE), focused on higher-income families.

The loan can be used flexibly. The financing covers the purchase of construction materials, payment for labor, and even the hiring of technical services, such as engineers or architects.

+ How to use credit strategically, without falling into traps

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What are the income brackets and conditions of the program?

The program was structured into three distinct income brackets. This division ensures that families with lower purchasing power have access to significantly lower interest rates, making it possible to pay the installments.

One of the main attractions is that the monthly payment cannot exceed 25% of the proven family income.

This rule acts as a safeguard against over-indebtedness, ensuring that the renovation does not compromise the household budget.

Conditions vary considerably between the tiers, especially regarding maximum financing amounts and repayment terms.

Tier 1, for example, focuses on lower-cost renovations, while Tier 3 allows for large-scale projects.

The table below summarizes the official conditions released by the Government and Caixa Econômica Federal:

Income Bracket (Monthly)	Financing Amount	Interest Rate (per month)	Payment Terms
Track 1: Up to R$ 3.200	From R$ 5 thousand to R$ 30 thousand	Starting from 1,17%	From 24 to 60 months (5 years)
Track 2: From R$ 3,200.01 to R$ 9,600	From R$ 5 thousand to R$ 30 thousand	1,95%	From 24 to 60 months (5 years)
Track 3: Above R$ 9.600	Starting from R$ 30 thousand*	Up to 1.95% (variable)	Up to 180 months (15 years)

*In Tier 3, the limit can reach R$ 1.125 million, provided it does not exceed 50% of the property's appraised value.

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What are 5 examples of reforms that fit into the Reform Program?

The big question for those interested is: "What can I actually do with this money?". The answer is broad. The program allows for everything from a simple paint job to the construction of a new room.

Here we explore the 5 examples of reforms that fit into the Reform Program Casa Brasil and those who have a high chance of approval, provided that the property and income meet the rules.

1. Room Expansion (Such as a new bedroom)

Many families grow, but their homes don't keep up. The Reforma Casa Brasil program explicitly allows financing for the expansion of rooms.

The most common example is building a new bedroom for the children.

This project solves the problem of overcrowding (too many people in the same room).

Credit can finance everything: from the foundation, bricks, and cement to the finishing materials and labor to build the new space.

2. Structural and Safety Reforms (Roofs and Wiring)

Safety is an absolute priority. The program is ideal for those who deal with chronic leaks or old electrical installations.

The financing covers the complete replacement of the roof, including the timber framing and tiles.

Similarly, the modernization of the electrical grid is covered. This includes replacing old wiring, which poses a fire risk, and installing a new circuit breaker panel. These are works that bring peace of mind.

3. Adaptations for Accessibility (People with Disabilities and Seniors)

Ensuring the dignity and autonomy of people with disabilities (PwD) and the elderly is a pillar of the program.

The credit can be used to fully adapt the residence, following technical accessibility standards.

This includes widening doorways to allow wheelchair access. It also funds the construction of access ramps and the complete renovation of restrooms, with the installation of grab bars, non-slip flooring, and raised toilets.

4. Installations for Energy Efficiency (Solar Energy)

With the future and sustainability in mind, the Reforma Casa Brasil program also encourages energy efficiency.

The installation of solar panels (photovoltaic energy) is one of the projects that can be financed.

Although it requires a higher initial investment, the savings on the electricity bill are immediate.

The program allows families to finance the complete kit and installation, exchanging a fixed cost (energy) for an investment in their own property.

5. Sanitation and Hygiene Improvements (Bathrooms and Floors)

Millions of Brazilians still live in homes lacking basic hygiene conditions. The program tackles this problem head-on by funding the construction or radical renovation of bathrooms.

This includes connecting to the sewer system or building a suitable septic tank. Replacing dirt floors with masonry or ceramic flooring is also a sanitation improvement covered by the loan.

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How does the digital application process work at Caixa?

The key advantage of Reforma Casa Brasil is its 100% digital operation, eliminating the need to visit a bank branch in most cases. The process was designed by Caixa to be quick and intuitive.

The first step is to access the official Caixa website or the "Caixa Tem" app. There, the interested party must run a simulation, providing their family income and the desired amount for the renovation.

After the simulation and initial credit analysis, the process follows five clear steps. The applicant needs to submit photos of the exact locations that will be renovated. These are the "before" photos.

With approval based on these images and documents, Caixa releases 90% of the financing amount directly into the beneficiary's account. The family then has up to 55 days to carry out the work.

Upon completion of the renovation, the final step is to verify the service. The beneficiary must send "after" photos through the same application. After this verification, Caixa deposits the remaining 10% of the contracted amount.

See also: Casa Brasil Renovation: see how it works!

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Why is this program so important for the country in 2025?

The Reforma Casa Brasil program goes far beyond the individual improvement of each home. The expected impact on the economy is enormous.

The R$ 40 billion investment has the potential to strongly boost the construction sector.

As highlighted by the government at the launch, the program generates a virtuous cycle. It stimulates the construction materials industry, from cement and bricks to paints and electrical wires, which are produced locally.

More than that, it generates immediate and decentralized employment and income. The program finances the hiring of local labor, such as bricklayers, electricians, and painters.

It also values technical professionals. By allowing funding for the services of architects and engineers, the program encourages renovations to be carried out with planning, safety, and technical responsibility.

It is an initiative that tackles the qualitative housing deficit. In other words, it doesn't focus solely on... who doesn't have home, but in who has a house that does not offer adequate living conditions.

Credit: Financing and personal loans: which is better for each situation?

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Conclusion: A New Chapter for Housing in Brazil

The 5 examples of reforms that fit into the Reform Program Casa Brasil shows that the initiative is comprehensive and focused on real needs. From extensions to solar panels, and including the security of a new roof, the credit was designed to transform.

Launched in November 2025, this R$ 40 billion program is a historic opportunity for millions of families. It allows the dream of home renovation to move from paper to reality, with affordable interest rates and fair repayment terms.

The digital process via Caixa facilitates access, reducing bureaucracy and bringing credit directly to those who need it. The impact goes beyond the gate of each home, boosting the economy and generating jobs throughout the country.

If your home needs structural, accessibility, or sanitation improvements, now is the time. The first step is simple: access the Caixa Econômica Federal website and run your simulation.

To view official launch data and government statements, please visit [link]. Official Gov.br portal.

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Frequently Asked Questions (FAQ)

1. Does the Casa Brasil Renovation Program only finance construction materials?

No. The program is comprehensive and designed to finance both construction materials and the payment of labor (bricklayers, electricians, etc.) and the technical services of engineers or architects.

2. Do I need to go to a Caixa branch to apply for the loan?

In most cases, no. The entire process is digital, done through Caixa's website or app. The simulation, document submission, "before" and "after" photos, and contract signing are all done online.

3. What is the maximum monthly payment I can afford?

The rule is clear: the loan payment cannot exceed 25% of your family's gross monthly income. This is a safety net to prevent debt.

4. What happens if I don't provide "after" photos to document the work?

Proof is mandatory. In addition to not receiving the final 10% of financing, the beneficiary who fails to prove full completion of the work may be subject to a fine and have their name included in restrictive credit bureaus (such as Serasa).

5. Can I apply for financing if my property is mixed-use (residential and commercial)?

Yes. Official program data indicates that it is primarily aimed at residential use, but it does allow financing for mixed-use properties (for example, a house with a small business in the front).