The Constitution, Justice and Citizenship Committee (CCJC) of the Chamber of Deputies approved, in December 2025, the bill that establishes the so-called "payroll deduction rent," a modality that allows the direct deduction of the rental amount from the tenant's payroll. The proposal is now under analysis by the Federal Senate and, if approved, could represent a significant structural change in the rental guarantee system in Brazil.

Inspired by the model of payroll-deducted loans, the project authorizes employees under the CLT (Brazilian labor law) regime and public servants to commit up to 30% of their net remuneration to rent payments, with express authorization. The objective is to reduce the risk of default, expand access to formal housing, and provide greater predictability to lease agreements.

Practical impacts for owners and investors

From the landlord's perspective, secured rent can represent greater financial security by reducing dependence on traditional guarantees, such as guarantors or surety bonds, and mitigating the risk of default. This model tends to increase market liquidity, reduce vacancy rates, and make real estate assets more attractive, especially for investors focused on income generation.

On the other hand, the new regime also requires caution. The bill stipulates, for example, that in the event of job termination, the tenant may return the property without penalty, which could impact revenue predictability. Furthermore, proper contract structuring will be essential to ensure the validity of the discount authorization and its compatibility with the Tenancy Law and labor legislation.

Modernization of rental guarantees

The proposal reflects a trend toward modernization in the real estate market, which demands more efficient risk mitigation mechanisms and greater legal certainty in rental relationships. If approved, the payroll deduction system could significantly alter the dynamics of urban rentals, with direct impacts for landlords, investors, real estate agencies, and companies with real estate portfolios.

In this scenario, the proper legal structuring of contracts and the strategic analysis of the guarantees adopted will be fundamental to ensuring predictability and asset protection.

Mazzucco & Mello Advogados closely monitors legislative and regulatory changes impacting the real estate market, advising owners, investors, developers, and companies on the legal structuring of lease agreements and the implementation of mechanisms that ensure greater asset protection and financial predictability.