3 Home Loans with Lowest Rates in 2025

Taking out a mortgage loan to buy a home in any state in Brazil is a major financial commitment. Above all, it's even more rewarding when you get the right mortgage.

Banco Brasil real estate loans

THE Banco Brasil is known for its flexible mortgage lending options and expert assistance for both first-time homebuyers and homeowners.

They offer a variety of mortgage options, including conventional loans as well as mixed loans.

Requirements:

• Minimum credit score: 501 points for conventional loans
• Down payment: minimum of 3% for conventional loans (may vary for conventional loans)
• Proof of stable income and work history
• 43% less than the typical debt-to-income ratio
• Loan amounts and rates:
• Banco do Brasil The annual interest rate for business loans at Banco do Brasil varies greatly, depending on the credit line, company profile, and relationship with the bank. It can vary from Selic + 5% per year to higher rates, depending on the product and risk.

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Short-term loans, such as 15-year fixed-rate mortgages, tend to offer lower interest rates.

How to apply:

Applications can be made online or at a local agency.

Banco do Brasil's digital app allows borrowers to securely file documents, check loan status, and communicate with loan officers.

It is advisable to prepare yourself first to get a better impression of your borrowing capacity before applying.

real estate loans, personal loans from Caixa Econômica

Caixa Econômica is known for its competitive rates and a variety of loan types, including adjustable-rate mortgages and loans. It also has a strong focus on low- to moderate-income borrowers.

Requirements:

• The minimum credit score for a loan varies greatly between institutions. Generally, over 500 may indicate a good chance, but above 700 is excellent. Each bank has its own criteria, so there is no exact number.
• Down payment: Minimum of 3% to qualify borrowers for certain types of loans
• Continued use and income verification
• Debt-to-income ratio is typically within 43%
• Loan amounts and rates:
• Loan amounts vary depending on credit history, location, and loan type.

The interest rate on a 30-year fixed-rate loan with the possibility of interest reduction as it is for shorter terms.

Jumbo loans also offer higher loan amounts, but may require a higher credit score and a larger down payment.

How to apply:

Borrowers can apply online or in a branch. The digital application process is simpler, and a mortgage advisor is available to guide applicants every step of the way.

Caixa Econômica also offers tools to calculate down payments and assess loan repayment capacity.

Find a mortgage that fits within your monthly budget, if there are monthly payments.

We have a recommendation for you:

THE Box Economic offers a variety of mortgage options, including fixed and convenient loans, loans for high-value properties.

Caixa is popular for its friendly and fast customer service.

Requirements:

For those seeking larger amounts, jumbo loans are available, although they require a stronger credit profile and a larger down payment.

Real estate and personal loans from Banco Bradesco

Bradesco offers a simple online application process where potential borrowers can complete loan application forms.

Submit the necessary supporting documents and track the progress of your loan, all through the online portal.

Furthermore, the Bradesco Allows prequalification and helps potential borrowers assess their ability to qualify for a loan before applying.

Here are the top three options to consider this year.

Federal Savings Bank: Caixa often offers some of the lowest rates on the market, especially for customers with a strong relationship with the bank (such as direct debit or salary deposits into an account). Rates may vary from 10,99% per year + TR in the SBPE (Brazilian Savings and Loan System) modality with Reference Rate (TR). They also offer options indexed to savings with rates starting from Savings Remuneration + 4.12% per year It is important to check the specific conditions and different lines of credit offered by Caixa.

Bank of Brazil: Banco do Brasil also positions itself as one of the leading banks with competitive rates. Mortgage rates can also vary. from 12.0% per year + TR. In addition, Banco do Brasil offers special conditions for customers of the Minha Casa, Minha Vida program, with even lower rates, starting at 4.00% per annum + TR for FGTS members in income bracket 1.

Bradesco: Bradesco has presented real estate financing rates from 11,90% per year + TR. Rates may vary depending on the customer profile and relationship with the bank.

Others banks: with balanced rates

Santander: With rates starting from 11.99% per annum + TR

Itaú: With rates starting from 12.19% aa + TR

Finding the right home loan can make a significant difference in managing your mortgage payments.

By meeting the basic requirements, understanding interest rates, and utilizing online tools, you can take the first steps toward homeownership in any state.

Finding the best mortgage with the lowest rates in 2024 can save you thousands of dollars over the life of your mortgage.

Additionally, it offers reduced closing costs and flexible credit requirements.

When comparing these options, consider not only the interest rate, but also the fees, loan terms, and eligibility requirements.
Lower rates can have drawbacks, such as higher down payments or stricter credit score limits.

Consulting a financial advisor or using online mortgage calculators can help you determine the best option for your needs.

With careful planning, you can secure a loan that fits your budget and long-term goals.

It's important to note that interest rates on mortgage loans are subject to change, for example, depending on financial market conditions and the policies of each banking institution.

The information below is based on the data available as of today and may vary.

Based on the most recent information as of April 2025, some banks that have offered competitive interest rates for real estate financing in Brazil are:

Important:

I recommend contacting the banks mentioned directly and running financing simulations to obtain accurate and personalized information tailored to your situation.