How growth in the construction sector may impact your finances in 2026

What happened in the construction sector?

According to G1, the Brazilian Chamber of Construction Industry (CBIC) forecasts a 2% growth for the construction sector in 2026. This comes after a slowdown period and will be driven by expected interest rate cuts, increased mortgage credit availability, and infrastructure investment boosts.

The record budget for housing from the FGTS and initiatives like the Minha Casa, Minha Vida program are some of the factors expected to stimulate the sector. However, challenges remain, such as high tax burdens and labor costs.

Why does this matter?

The performance of the construction sector has a ripple effect on the economy. When the sector performs well, it generates jobs, boosts consumer confidence, and can even influence inflation. For you, whether you're a salaried worker or considering buying your own home, these projections could represent a unique opportunity.

With increased credit and expected lower interest rates, you might find it easier to finance a property. If you've been postponing buying your home or renovating, 2026 could be a year for changes.

What changes for those earning a salary and paying bills?

Imagine you're looking to buy an apartment costing R$ 300,000. With falling interest rates, your financing payment might decrease, making the dream of home ownership more attainable. For example, if the interest rate drops from 10% to 7% per year, your monthly payment could fall significantly.

• Financing R$ 300,000 at 10%: R$ 3,500/month (over 30 years)
• Financing R$ 300,000 at 7%: R$ 2,600/month (over 30 years)

This reduction allows you to have more money available for other areas, such as building an emergency fund or even planning a trip.

What to do now?

Now that you know about the sector's trends, it's time to take action. Here are some tips:

• Review your budget: Understand where you can save to allocate more resources toward potential financing.
• Research credit options: Stay alert for offers from financial institutions and compare interest rates.
• Consider renovations: If you already own a property, evaluate the possibility of investing in renovations to increase its value.
• Set a savings goal: With the sector's outlook, start saving for a potential down payment on financing.

The importance of financial organization

Regardless of how the construction sector performs, having a solid financial organization is crucial. The 50/30/20 method can be your ally. Allocate 50% of your income for needs, 30% for wants, and 20% for savings and investments. By having clarity about your finances, you will be better prepared to seize opportunities that may arise with the growth of the real estate market.

At ADXIS, you will find tools that can help you manage your budget and plan your finances, enabling you to take advantage of the good news that 2026 promises to bring.