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Whenever rates of interest normalize and converge therefore the supplementary market for home loan was completely consolidated, the brand new brought borrowing from the bank program eg SBPE will get slowly feel phased aside. New FGTS system, and this suits a lesser income class (pick Annex eight), are still needed for committed being because the a main origin o f property funds money, specifically when you're alternative subsidies (instance the fresh new PSH initial subsidy program) can not be good enough financed so that a larger proportion o f lower income homes entry to construction loans that have an initial subsidy. On the typical identity, FGTS could possibly get attention increasingly toward its character just like the good provident funds in place of just like the provider o f seriously subsidized credit. FGTS is slowly transferring to a transparent and you can efJicient means regarding getting subsidies.