Caixa Home Loans Now Count Uber and iFood Earnings as Formal Income
Caixa home loans now accept Uber and iFood earnings as formal income, helping informal workers get mortgages. Learn the requirements and how to apply.
Brazil · HOUSING
Key Facts
- —Rule change Caixa now accepts app earnings as formal income for mortgages, O Globo reported on 20 August 2026
- —Proof required Four consecutive monthly statements from the platform, the newest no more than two months old
- —Accepted documents Monthly fiscal summary from the platform; a personal income tax return is not required.
- —Applicable apps Uber, 99, and iFood, among similar platforms.
- —Income calculation Caixa counts the lowest of the four monthly figures as the income, not the average.
A driver’s four monthly app statements can now do the work a payslip used to do.
Caixa home loans now count earnings from ride-hailing and delivery apps as formal income, according to a report by O Globo. The change, announced in July 2026, could help millions of informal workers qualify for mortgages.
What Changed for Caixa Home Loans
Caixa Economica Federal is Brazil’s state savings bank. It now treats earnings from ride-hailing and delivery apps as formal income on a mortgage application.
The rule was announced in July 2026 and reported by O Globo on 20 August 2026. This means that app-based workers can now use their platform earnings to prove income for Caixa home loans.
Previously, such income was often not considered formal.
Proof of Income Requirements
Meanwhile, to qualify, applicants must provide payment statements issued by the platform itself, covering four consecutive months from the same platform. The most recent statement must be no more than two months old at the time of the credit assessment.
In addition, the monthly fiscal summary generated by the platform is accepted as proof. A personal income tax return is not what is required, simplifying the process for many.
Which Apps Are Included
The apps named in the reporting are Uber, 99, and iFood, among similar platforms. This covers a wide range of ride-hailing and delivery services popular in Brazil.
As a result, drivers and delivery workers using these platforms can now apply for Caixa home loans with their app earnings. This is a significant step for financial inclusion.
How Income Is Calculated
In addition, one detailed account of the method says Caixa counts the lowest of the four monthly figures as the income. Not the average.
This conservative approach may reduce the income considered for the loan. Still, for many workers, even the lowest month’s earnings can be enough to qualify for a mortgage.
The rule applies to housing finance, including the Minha Casa Minha Vida programme.
Minha Casa Minha Vida Updates
Minha Casa Minha Vida is Brazil’s main subsidised housing programme. New rules took effect on 22 April 2026.
They updated the income bands and set a property price ceiling of 600,000 reais. This middle-income band is financed by Caixa and Banco do Brasil.
At about 5.19 reais to the dollar on 20 August 2026, 600,000 reais is roughly US$116,000.
Central Bank Credit Conditions Survey
As a result, separately, Brazil’s central bank published its quarterly credit conditions survey. The Pesquisa Trimestral de Condicoes de Credito, on Thursday 20 August 2026.
Banks expect bad loans to keep worsening in the third quarter. The survey says the slide should be less sharp than in the second.
Moreover, high default rates remain one of the main reasons credit stays restricted. This context is important for understanding the broader lending environment.
Loan Delinquency Statistics
At the end of July 2026, loans more than 90 days overdue stood at 4.7% of the financial system’s credit book. That is up 1.0 percentage point in twelve months.
Households were at 5.6% and companies at 3.2%. Despite these challenges, Caixa’s move to accept app income could help expand access to credit.
In short, this is a positive step for many informal workers.
Implications for Informal Workers
Overall, for many Brazilians who work through apps, this change means that Caixa home loans are now within reach. The acceptance of platform earnings as formal income is a major shift.
Therefore, this could lead to a significant increase in mortgage applications from this segment. Overall, it reflects a growing recognition of the gig economy.
How to Apply for Caixa Home Loans
Applicants should gather their platform payment statements for the last four months. They must ensure the most recent statement is no more than two months old.
Then, they can approach Caixa to start the mortgage application process. Since the rule applies to housing finance, including Minha Casa Minha Vida, many may benefit.
Frequently Asked Questions
What is Caixa home loans?
Caixa home loans refer to mortgage financing offered by Caixa Economica Federal, Brazil’s state savings bank. The bank now accepts earnings from ride-hailing and delivery apps as formal income for these loans.
What proof of income is needed for Caixa home loans?
You need payment statements from the platform covering four consecutive months, with the most recent statement no more than two months old. The monthly fiscal summary from the platform is also accepted.
Which apps are accepted for Caixa home loans?
Uber, 99, and iFood are named in the reporting, among similar platforms. This covers many ride-hailing and delivery services in Brazil.
How does Caixa calculate income from app earnings?
Caixa counts the lowest of the four monthly figures as the income, not the average. This conservative approach may affect how much you can borrow.
Connected Coverage
Sources: O Globo; Banco Central do Brasil; Poder360; Forbes Brasil.
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