Is Financing a Property Worth It in 2025? See What Changes in Rates and Conditions

With the new year and the economic recovery, many Brazilians are asking themselves: is it still worth financing a property in 2025? The answer depends on various factors, such as your financial profile, the new interest rates, and the behavior of the market.

Financing continues to be the main gateway for those looking to move out of rental properties or purchase a second home. In 2025, the scenario presents changes that can either make the process easier or harder, depending on the financial institution and the property's location.

To help you make the best decision, we’ve prepared a complete guide with everything you need to know about real estate financing in 2025. Check out the new conditions, find out if it’s the right time to close the deal, and learn how platforms like Urbily can make this journey easier.

What Has Changed in Property Financing in 2025?

In 2025, banks have adjusted their interest rates based on the reduction of the Selic rate, which is good news for those thinking about financing. The new rules also favor the digitalization of processes, making everything faster and less bureaucratic.

In addition, the government has maintained incentives for housing programs like Minha Casa, Minha Vida, which now offers more accessible entry brackets. The market is also more competitive, with institutions offering special conditions, especially for new properties.

This combination of factors represents an opportunity for those looking for financial stability and wishing to build wealth with security.

1. Interest Rates: How They Are and How They Influence Your Decision

In 2025, interest rates for real estate financing range from 8.5% to 10.2% per year, depending on the institution, the property value, and the client's relationship with the bank.

This average is considered attractive compared to previous years. With the lower Selic rate, banks are passing on some of these savings to the end consumer, especially those with a good credit score.

2. Minimum Down Payment and More Flexible Terms

The minimum down payment rules still revolve around 20% of the total property value. However, many construction companies are offering easier conditions or absorbing part of this down payment to attract new buyers.

Payment terms can extend up to 35 years, with the possibility of early repayments and decreasing installments, which makes long-term financial planning easier.

3. Advantages and Disadvantages of Financing in 2025

The advantages include: building wealth, property appreciation, predictable expenses, and less dependence on rent. Additionally, many banks offer insurance and renegotiation options in case of unexpected situations.

The disadvantages include the long-term financial commitment, paying interest over the years, and the risk of default. Therefore, it’s essential to ensure that the monthly payments comfortably fit within your budget.

Use online simulators and rely on trusted portals to find properties with high appreciation potential and better long-term returns.

Check out other useful content on Urbily's blog.