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Caixa Real Estate Consortium: How It Works, Advantages and How to Contract

Buy or renovate your home interest-free, with a bank that is a reference when it comes to housing, come check it out!

O Caixa Real Estate Consortium It is perfect for those who want to achieve their dream property. Installments start at R$310,00 with a payment term that can extend up to 200 months.

Today it is possible to contract the service in a completely uncomplicated way, only needing to pay the administration fee, which will be diluted within the period determined in the contract.

You will also have the freedom to choose the ideal offer according to your needs, with no interest rates. Are you interested? So keep reading to find out more about this service offered by Caixa.

See how the Caixa Real Estate Consortium works

O Caixa Real Estate Consortium It is a programmed purchase system, where a group of people come together to contribute monthly amounts that will be used to purchase properties.

Caixa Econômica Federal acts as administrator of the consortium, ensuring the organization and transparency of the process. The installments generated start at R$310,00 with payment terms of up to 200 months.

The consortium's awards take place monthly through draws and bids, and once you are selected, you can use the amount to purchase your commercial or residential property, whether new or used.

Main advantages of Caixa Consórcio Imobiliário

Thousands of people have already chosen Caixa Real Estate Consortium based on its advantages, which are:


One of the main advantages of Caixa Real Estate Consortium is the absence of interest. Unlike traditional financing, where interest can significantly increase the cost of the property over time, in a consortium you only pay an administration fee, which is diluted over the installments.

Reduction of fees and taxes

You can choose to use up to 10% of the credit value to pay expenses related to the asset, such as taxes, insurance and registrations, thus reducing your overall expenses after being considered.

Apartment Financing

See which are the best banks to make your dream of owning your own property come true!


The consortium is a flexible and affordable option for those who want to buy a property. The installments are fixed and predictable, which facilitates financial planning. Furthermore, there is no need to make an initial down payment, as in traditional financing. 


Caixa Econômica Federal, as administrator of the consortium, offers guarantees of security and transparency throughout the process. This means that you can trust the institution to manage your investment, ensuring that the rules are followed and that the money is used correctly.

Who can form a consortium

O Caixa Real Estate Consortium it's an affordable option for a wide range of people. Both individuals and legal entities that meet the minimum requirements defined by the bank can participate.

It is important to highlight that there is no need to prove income when joining the consortium, making it accessible to self-employed people, independent professionals and entrepreneurs.

You must be over 18 years old, have no restrictions on your name and undergo credit analysis by the administrator. However, conditions may vary according to the rules established by Caixa Econômica Federal, so it is essential to check the requirements when hiring.

How to hire the Caixa Real Estate Consortium

Hire the Caixa Real Estate Consortium It is a simple and accessible process. Follow the steps below to take the first step towards realizing your dream of owning your own home:

  • Access official website from Caixa Econômica Federal in the “Consortia” tab;
  • Check the available information and then click on “Buy online”;
  • Among the options displayed, select “Choose” in the “Real estate” area;
  • Choose how you want to carry out the simulation and then enter the necessary data;
  • Select “See offer” and check everything directly in the simulation;
  • Click on “See details” just below the option of your choice and go to “I want to buy”;
  • Proceed to sign the contract electronically, via SMS;
  • Yes, just submit the mandatory documents and complete the process.

O Caixa Real Estate Consortium It is an affordable, safe and advantageous option for those looking to realize their dream of owning a home without compromising their finances with high interest rates.

With flexibility, transparency and ease of contracting, it stands out as a smart alternative for investing in real estate in Brazil. Consult Caixa Econômica Federal and take the first step towards finding your home.

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Barbara Silva

I am a writer passionate about words and the art of communicating ideas. With a versatile skill set and a curious mind, I have a talent for transforming complex topics into accessible and engaging content. My work covers a wide range of subjects, from technology and business to travel and lifestyle. With a creative approach and an open mind, I constantly seek to challenge myself and explore new perspectives, offering readers an informative and inspiring experience in each text produced.

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