Brazil's real estate consortia market expected to grow over 25% in 2026

The Associação Brasileira de Administradoras de Consórcios (ABAC) projects that Brazil's real estate consortia sector will increase by more than 25% in 2026. The forecast comes amid high interest rates on traditional mortgage financing, prompting consumers to look for lower‑cost alternatives to acquire homes.

The Associação Brasileira das Entidades de Crédito Imobiliário e Poupança (ABECIP) recorded R$ 134.6 billion in mortgage credit in 2025, underscoring the size of the market. Compared with conventional loans, consortia allow buyers to pool resources and obtain a credit line without interest, though they involve administrative, adhesion and insurance fees and are subject to index adjustments such as INCC and IPCA. Samuel Sales, founder of House Campolim, said, "the main difference between a satisfied consortium participant and a disappointed one is strategy, not luck."

Analysts note that consumers with sufficient down‑payment who need a quick purchase can also trade secondary‑market consortia cards for immediate cash, effectively bypassing loan interest.