The construction sector views positively the readjustment of value limits for tiers 1 and 2 of the Minha Casa, Minha Vida program, approved by the FGTS Board of Trustees. The measure mainly benefits municipalities in the North and Northeast, expanding the housing program's reach. Business leaders forecast a record number of contracts in 2026.
The readjustment of financing value caps for Minha Casa, Minha Vida (MCMV) tiers 1 and 2 was approved by the FGTS Board of Trustees, raising the maximum limit to up to R$ 275,000, varying by municipality. This change benefits 263 cities, particularly in the North and Northeast, where hiring had declined due to rising construction costs.
According to the sector, the update does not change direct subsidies to families but allows more properties to qualify under financing rules, attracting developers to low-income tiers. "The dialogue with the Ministry of Cities is ongoing," states Clausens Duarte, vice-president of Social Interest Housing at the Brazilian Chamber of the Construction Industry (CBIC). The entity is preparing a technical proposal to review the program's other tiers in 2026.
The Lula government prioritizes MCMV as a showcase of its administration, aiming to contract 3 million units by the end of the term, exceeding the initial forecast of 2 million. In 2025, the program contracted nearly 200,000 units in tier 1 and about 157,000 in tier 2, totaling approximately 660,000 units, mostly financed by FGTS.
For 2026, the approved budget for housing and sanitation is R$ 160.5 billion, with R$ 144.6 billion allocated to housing. Business leaders see this resource volume, combined with the readjustment, as creating a favorable scenario for the program's growth in tiers with the largest housing deficits.
