Buying a home in Brazil: mortgage rates and costs
What a mortgage typically costs in Brazil right now, how the central bank rate compares, and a worked monthly payment example you can adjust in our calculators.
Typical mortgage rate
11.5% – 13%
SBPE long-term financing for properties up to ~R$1.5m. Outside SBPE, rates are materially higher.
As of 2025-11-28. Source
Example monthly payment in Brazil
| Purchase price | R$800,000 |
|---|---|
| Deposit (20%) | R$160,000 |
| Loan amount | R$640,000 |
| Interest rate | 12.25% · 30-year term |
| Estimated monthly payment | R$6,707 |
Illustration only, using the midpoint of the typical rate range. It excludes taxes, insurance and fees. Adjust the figures in the mortgage calculator.