Banco do Brasil mortgage simulator: installment, rate and term
The average rate that Banco do Brasil reported to the Central Bank of Brazil in Sep 2026 for home financing (Market rate, TR-indexed) was 14.5% per year, 2.93 percentage points above the median of the banks. This is an informational, independent simulation: it does not replace Banco do Brasil’s own simulation, proposal or credit analysis.
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Mortgage simulator
Enter the property and choose the bank. The rate is pre-filled with the average across banks, and you can replace it with the one in your offer.
Results appear as soon as the rates are loaded.
The simulation holds the month's TR (or IPCA) constant and excludes insurance and fees (unless you fill in the optional field). It is not a credit offer or financial advice: the total effective cost (CET) is the figure the bank gives you.
Buy or rent: which builds more wealth?
Buyers pay a down payment, installments and property costs, and end up with an asset that may or may not appreciate. Renters invest the down payment and the monthly difference. Compare the net worth of each over the years.
The result appears as soon as the rates are loaded.
The model ignores the cost of selling the property, capital gains tax and rate changes over the years. The appreciation and yield defaults are assumptions, not forecasts: change them and see how the result responds.
Banco do Brasil’s rates by type of loan
In Sep 2026, 3 loan types had a rate reported by Banco do Brasil, among the 18 banks in the dataset. Rank 1st = lowest rate.
| Loan type | Banco do Brasil | Median | Rank |
|---|---|---|---|
| Market rate, TR-indexed | 14.5% | 11.6% | 13º de 13 |
| Regulated (FGTS and savings), TR-indexed | 10.6% | 10.6% | 8º de 14 |
| Regulated (FGTS and savings), IPCA-indexed | 11.0% | — | — |
Banco do Brasil reported 14.5% in Sep 2026, versus a median of 11.6% across 13 banks. These are simple averages, with no adjustment for borrower profile, term or down payment. With fewer than 5 banks in the loan type, rank and median are shown as —.
Who charges close to Banco do Brasil (Market rate, TR-indexed)
| # | Bank | Annual interest | Diff. (p.p.) |
|---|---|---|---|
| 11th | Banco Santander (Brasil) | 12.3% | −2.18 |
| 12th | Banco Inter | 12.9% | −1.58 |
| 13th | Banco do Brasil | 14.5% | — |
Who charges close to Banco do Brasil (Regulated (FGTS and savings), TR-indexed)
| # | Bank | Annual interest | Diff. (p.p.) |
|---|---|---|---|
| 7th | Banco do Est. de SE | 10.5% | −0.07 |
| 8th | Ape Poupex | 10.6% | +0.00 |
| 9th | Banco do Brasil | 10.6% | — |
| 10th | Banco Banestes | 10.6% | +0.01 |
| 11th | BRB - Banco de Brasilia | 10.7% | +0.04 |
Banco do Brasil’s rates over the last 12 months
De Out-2025 a Set-2026, a taxa média informada pelo Banco do Brasil na modalidade Mercado, referenciada na TR variou de 14.4% a 15.5% ao ano: caiu 0.87 ponto percentual entre a primeira e a última leitura.
| Month | Market TR | Market IPCA | Regulated IPCA | Regulated TR |
|---|---|---|---|---|
| Oct 2025 | 15.4% | 8.8% | — | 8.7% |
| Nov 2025 | 15.3% | 8.9% | — | 8.8% |
| Dec 2025 | 15.4% | 8.8% | — | 8.8% |
| Jan 2026 | 15.4% | 7.9% | — | 9.1% |
| Feb 2026 | 15.4% | 8.9% | 8.8% | 9.5% |
| Mar 2026 | 15.3% | 8.2% | — | 10.0% |
| Apr 2026 | 15.5% | 8.6% | — | 9.9% |
| May 2026 | 14.8% | 6.6% | 8.1% | 10.5% |
| Jun 2026 | 14.4% | 7.4% | — | 10.2% |
| Jul 2026 | 14.4% | — | 10.6% | 10.2% |
| Aug 2026 | 14.5% | — | 8.8% | 10.5% |
| Sep 2026 | 14.5% | — | 11.0% | 10.6% |
Source: Central Bank of Brazil, “Interest rates,” Sep 2026. This simulation does not replace Banco do Brasil.
Frequently asked questions about Banco do Brasil financing
What is the interest rate on Banco do Brasil home financing?
In Sep 2026, 14.5% a year for the Market rate, TR-indexed loan type, versus a median of 11.6% across the banks; for the other loan types: Regulated (FGTS and savings), TR-indexed 10.6%; Regulated (FGTS and savings), IPCA-indexed 11.0%.