The real estate auction market is experiencing a phase of continued expansion. Data for the first half of 2025: 116.6 thousand properties were offered at auction in the country, an increase of 25.1% compared to the same period of 2024. The increase occurs against the backdrop of high defaults in real estate financing; although it is close to the historic low, its average rate increased by 0.6% between January and July 2025, after falling by 1% during the same period in 2024, added to the base interest rate of 15% per year, according to the Central Bank’s Focus Bulletin, a combination that puts pressure on borrowers and reinforces the strength of auctions in credit recovery.
The increase in volume offered reflects the intensification of the use of auctions as a credit recovery instrument by financial institutions. The information available on the institutional page of Caixa Econômica Federal dedicated to the sale of properties shows the permanent maintenance of thousands of assets available for sale by auction and through open tenders, highlighting the recurrence of this modality within the regular functioning of the Brazilian real estate market.
For official public auctioneer Gian Braggio, with 24 years of experience in judicial and extrajudicial auctions, the growth observed in 2025 reinforces a structural change in the sector. According to him, auctions are no longer used only in specific situations but have become a permanent mechanism for liquidating real estate assets. “The auction was part of the regular dynamics of the real estate market, forcing participants to analyze technical analysis, understand the rules and financial planning, and not just seek lower prices,” explains the auctioneer.
Traditionally associated with professional investors, the auction industry is also starting to attract families interested in purchasing their own homes. The ability to buy at values below the market average, combined with clearer rules on deadlines, payments and responsibilities, have increased the interest of buyers who previously limited their searches to the conventional real estate market. The increase in the volume of properties sold takes place in a context of greater dissemination of information on how auctions work. Greater transparency in reviews and digitalization of processes have helped reduce barriers to entry, bringing this type of acquisition closer to ordinary citizens.
Another relevant factor is the diversification of the profile of the properties offered. In addition to assets from judicial foreclosures, auctions began to concentrate properties from debt collection, asset liquidation and portfolio adjustments of large institutions with discounts reaching 85% compared to the market, expanding the range of options and reducing the perception of widespread risk.
According to Braggio, auctions began to operate regularly in the real estate market, no longer associated exclusively with the search for low prices. According to him, the advancement of the sector reinforces the need for professionalization of buyers. “Anyone participating needs to understand the rules, timelines and costs involved, treating the acquisition as a structured capital decision, not a casual opportunity,” he says.
The scenario observed throughout 2025 indicates that real estate auctions are expected to maintain their relevance in 2026, consolidating themselves as an integrated alternative to the formal real estate market. Advances in governance, transparency and predictability of processes tend to expand the role of auctions both in credit recovery and in planning the assets of families and investors, with direct impacts on the dynamics of the sector in the medium and long term.
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