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Investment in real estate with a high Selic rate has returned to the radar of Brazilians. With the rate at 15% per year, many investors turn to fixed income. But the promise of high returns reignites a doubt: is it still worth investing in the real estate market?
Despite the high interest rates, the real estate sector remains a safe and strategic alternative ideal for those looking for diversification, asset protection, and passive income generation with real assets.
High Selic: Impact and opportunities in the real estate market
The increase in the basic interest rate makes credit more expensive and reduces the volume of real estate financing. However, it also strengthens the search for more solid investments, such as real estate, which offer tangible value, appreciation potential, and protection against inflation.
Regions with high demand and consistent appreciation, such as Bombinhas (SC), continue to attract investors. The city combines natural beauty, year-round tourism, consolidated infrastructure and limited land supply — which supports prices and favors vacation rentals.
- In addition, many Brazilians maintain a preference for tangible goods, a reflection of the inflationary trauma of the 1990s. This reinforces the perception of the property as a safe haven in times of economic instability.
Advantages of investing in real estate
Investing in real estate is investing capital in a physical asset with the capacity to appreciate and generate recurring cash flow through rentals. In cities like Bombinhas, this model is strengthened by the high demand for short-term rentals and well-located properties.
Key benefits:
- Monthly income in reais
- Asset stability even in times of crisis
- Possibility of appreciation according to location and shortage of supply
- Income Tax Exemption on Residential Sales, Under Certain Conditions
- Smart leverage via reduced down payment financing
- Potential for personal or commercial use of the property
The appreciation of rents also deserves to be highlighted. In tourist destinations such as Bombinhas, the demand for vacation properties has grown consistently, raising rental values and reducing the margin for discounts — which strengthens the profitability of the investment.
Comparison: Real estate vs. fixed income with Selic at 15%
Simulation with R$ 500 thousand available to invest:
| Aspect | Rental Property | Fixed Income (Selic at 15%) |
|---|---|---|
| Amount invested | R$ 500.000 | R$ 500.000 |
| Estimated monthly rent | R$ 2.500 | — |
| Average annual appreciation | 5% | — |
| Term | 10 years | 10 years |
| Final asset value | R$ 815.000 | R$ 2,022,800 |
| Accrued income from rentals | R$ 300.000 | — |
| Estimated Gross Total | R$ 1,115,000 | R$ 2,022,800 |
| Physical wealth generation | Yes | No |
| Potential use or rental | Yes | No |
Although fixed income delivers higher nominal returns in the short and medium term, it requires constant reinvestments and does not generate physical equity. The property, on the other hand, provides a more balanced and lasting profitability, with tax advantages, possibility of use and appreciation of the asset.
Management made easy with technology
With the advancement of digital tools, it has become easier to manage real estate even from a distance. Virtual tour, targeted ads, and CRM systems optimize outreach and contact with potential tenants or buyers. This allows the investor to focus on the strategy and maintain profitability even without a physical presence in the property.
Conclusion
The choice between real estate and fixed income depends on the investor’s profile and goals. While fixed income can be advantageous for those looking for liquidity and immediate profitability, real estate investment builds equity, generates stable income in reais, and offers tax and strategic benefits.
In cities with growing demand such as Bombinhas, investment in real estate continues to be one of the most solid alternatives for those who want security, profitability and appreciation in the long term.
See in a practical way the main points of the city and understand why Bombinhas stands out in the real estate market:
FAQs
1. Are real estate still good investments even with the Selic at 15%?
Yes. Even with fixed income offering good nominal returns, real estate remains attractive for generating equity, passive income, tax exemptions, and appreciation — especially in places like Bombinhas.
2. What is the average yield of a rental property in Bombinhas?
The monthly gross return usually varies between 0.4% and 0.7% of the value of the property. In high season, this margin can be higher, especially in properties aimed at short-term rentals.
3. Does fixed income yield more than real estate?
In nominal terms and in the short term, yes. But real estate offers other advantages: physical equity, income stream, possibility of use, appreciation and protection against inflation.
Read also
- Selic high and dollar falling: Why Brazil has become the focus of foreign investors
Understand the macroeconomic factors that have attracted international capital to the Brazilian real estate sector. - Vacation rentals in Bombinhas: How to profit from your property
Here’s how to turn your property into a source of income throughout the year. - How much does a vacation rental in Bombinhas earn? See tips and trends to earn more
Discover the potential return of vacation properties in one of the most valued regions of the Santa Catarina coast.
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