Real estate · official data

Real estate: simulators, rates and official data

Free tools for people buying, financing or renting a home. All of them use open data from the central bank and IBGE, Brazil's statistics agency, with the source and date on every page. No listing prices.

Simulators and calculators

Mortgage simulatorInstallment, interest and total paid, using bank rates published by the central bank.Caixa mortgage simulatorThe average rate Caixa reported to the central bank for each loan type, used to simulate the installment.Minha Casa Minha Vida 2026Find your income bracket, the maximum property price and your first installment.SAC or PriceCompare the two schedules side by side: payment, interest and when SAC becomes cheaper.Mortgage portabilitySee how much the monthly payment drops when you switch banks and how long it takes for the costs to pay off.Consórcio (group purchase plan) vs. financingCompare the total paid and the equivalent rate of the consórcio (group purchase plan).ITBI: how much it costs and how to calculate itThe tax on buying a property, with São Paulo and Curitiba rules checked with the city governments.Buy or rent in LondrinaSimulator and rent comparison, with 2022 Census data.Santander mortgage simulatorSantander’s rate reported to the central bank by loan type, its ranking among banks and its 12-month history.Bradesco mortgage simulatorBradesco’s rate reported to the central bank by loan type, its ranking among banks and its 12-month history.Banco do Brasil mortgage simulatorBanco do Brasil’s rate reported to the central bank by loan type, its ranking among banks and its 12-month history.Itaú mortgage simulatorItaú’s rate reported to the central bank by loan type, its ranking among banks and its 12-month history.

Rates and data

Selic, TR and interest rates todayRates from the Central Bank and the Copom meeting calendar for 2026.Apartments by city89 cities: how many apartments there are, how many are rented and how many are still being paid off.City rankingsWhere there are more apartments, more rentals, higher incomes and more vacant homes.

How to buy or finance a home, step by step

Buying a home is one of a family’s biggest financial decisions, and it almost always involves a 30-year mortgage. Here we bring together the tools and official data to help you decide with numbers: each page shows its source and date, uses open data from Brazil’s central bank and IBGE (the national statistics institute), and does not include listing prices.

1. Find out what fits your budget

Banks usually cap the first installment at about 30% of household income, and each lender decides how much of the property's value it will finance. Start with the mortgage simulator: it shows the first installment, the total paid and how much is interest alone, and calculates the reference income so the installment fits within 30% of income. If your household income is up to R$ 13,000 a month, also see the Minha Casa Minha Vida simulator, which shows the program bracket and the property price cap.

2. Set aside money for costs the mortgage does not cover

Besides the down payment, the buyer pays the ITBI (property-transfer tax) to the city government, the deed and registration fees at the notary’s office, and usually paperwork and moving costs. The ITBI typically runs between 2% and 3% of the property value and varies from city to city; we include the rules checked on the official pages of São Paulo and Curitiba, with a calculator. For a used property, also ask for the seller's and the property's certificates before signing.

3. Understand where the installment comes from

A mortgage payment adds up the debt amortization, interest, mandatory insurance and, in many contracts, the balance adjustment by the TR. In the SAC the amortization is constant and the installment shrinks over time; under Price the installment is fixed in the simulation, starts lower and costs more in total interest. What really lets you compare offers is the total effective cost (CET), which the bank states in its offer and which includes interest, insurance and fees.

4. Track interest rates

Mortgage rates track the Selic rate, set by the central bank’s rate-setting committee (Copom), and vary from bank to bank. The page Selic, TR and interest rates today shows the Selic target, the TR and the IPCA as read from the Central Bank, plus the Copom meeting calendar; the simulator brings the average rate each bank reported to the Central Bank. If you already have a mortgage and find a lower rate, the loan portability calculator estimates the savings and how long it takes for the switching costs to pay off.

5. Compare buying, renting and a consórcio

Buying is not always better than renting: it depends on the term, the down payment, interest rates and what the money would earn if invested. The Londrina comparison and the pages for apartments by city calculate the net worth of someone who buys and of someone who rents and invests the difference. If you would rather not pay interest, take a look at the consórcio (group purchase plan), keeping in mind that the property is only bought once the credit letter is awarded.

6. See the city through official numbers

Using the 2022 Census data from IBGE (Brazil’s statistics institute), we show, for 89 cities, how many homes are apartments, how many are rented, how many are still being paid off, the median income and the vacant homes. The city rankings put the 159 cities side by side. For Londrina there is also a neighborhood-level view, with Census data and the registry of health facilities.

Where the data comes from and what we don’t do

Rates, the TR, the IPCA and the Selic come from the Central Bank of Brazil; population, households, rent and income come from the 2022 Census by IBGE, Brazil's statistics agency; rules for Minha Casa Minha Vida (the federal housing program) and the ITBI (property-transfer tax) come from ordinances and official city hall pages, with the date they were checked shown on the page itself. RaisLife is not a financial institution, does not sell credit and does not recommend investments: these pages are simulations and information, and the final decision and the credit analysis always rest with the bank.

Frequently asked questions about buying and financing a home

How much do I need to earn to finance a home?

Banks usually cap the first installment at about 30% of household income. The mortgage simulator shows the reference income needed for the first installment in your simulation to fit within that limit.

Besides the down payment, what other costs come with buying?

The ITBI paid to the city, the deed and registry fees at the notary’s office, plus paperwork and, where applicable, renovation and moving. These costs are generally not included in the mortgage: set the money aside separately.

Is it better to buy or rent?

It depends on the term, the down payment, interest rates and what the money would earn if invested. The comparison on the city apartment pages calculates the net worth of someone who buys and of someone who rents and invests the difference, year by year.

What is the difference between SAC and Price?

With SAC, the installment starts higher and falls every month, and total interest is lower. With Price, the installment is fixed in the simulation, starts lower, and total interest is higher. The SAC or Price calculator compares the two side by side.

Where does the RaisLife Imóveis data come from?

Rates, the Selic, the TR and the IPCA come from the Central Bank of Brazil; population, households, rent and income come from the 2022 Census by IBGE, Brazil's statistics agency; program and tax rules come from official ordinances and pages, with the date they were checked.

Does RaisLife offer credit or recommend a bank?

No. RaisLife is an information and simulation site: it is not a financial institution, does not sell credit and does not recommend investments. The credit analysis and the offer always come from the bank.