Farmers investing in sustainability projects will have access to the lowest interest rates from the Constitutional Financing Funds in the 2026/2027 harvest. In an extraordinary meeting, the National Monetary Council (CMN) approved new rules for rural credit operations using resources from the North (FNO), Northeast (FNE), and Central-West (FCO) funds, according to a note from "Agência Brasil". Initiatives focused on low-carbon agriculture, environmental preservation, technological innovation, renewable energy generation for self-consumption, and increased storage capacity will have interest rates starting at 7.52% per year. These conditions will be valid from July 15, 2026, to June 30, 2027. They also establish differentiated rates according to the region, the producer's economic size, and the purpose of the financing.
Sustainable projects
Lines of credit focused on sustainability will have the lowest financial charges among all types of rural credit financed by constitutional funds. In operations with fixed rates and on-time payment bonuses, the interest rates will be: 7.52% per year in the Northeast Constitutional Financing Fund (FNE); 7.64% per year in the North Constitutional Financing Fund (FNO); 8.14% per year in the Central-West Constitutional Financing Fund (FCO). In modalities with variable rates, the charges may be even lower.
Other financing options
For other investment operations, interest rates vary according to the fund, the purpose of the loan, and the size of the producer. In the FNE and FCO programs, the fixed effective rates with on-time payment bonuses will range from 7.65% to 12.45% per year. In the FNO program, charges will range from 7.80% to 10.20% per year. According to the Ministry of Finance, the objective is to offer financing conditions compatible with the producer's profile and to stimulate investments in different regions of the country.
New classification
The resolution also changes the way rural producers are classified. Until now, producers with gross annual revenue of up to R$ 16 million were treated in a single category. With the change, the group will be divided into two categories: Producers with revenue of up to R$ 4.8 million; Producers with revenue between R$ 4.8 million and R$ 16 million. The measure seeks to more precisely direct the resources of the constitutional funds, adapting the financing conditions to the economic size of the beneficiaries.
Regional funds
The Constitutional Financing Funds were created to stimulate the economic development of the North, Northeast, and Central-West regions by offering credit with differentiated conditions for productive investments, including the agricultural sector. The guidelines were approved by the National Monetary Council (CMN), the body responsible for defining credit, exchange rate, and currency policies in the country. Chaired by the Minister of Finance, Dario Durigan, the council also includes the president of the Central Bank, Gabriel Galípolo, and the Minister of Planning and Budget, Bruno Moretti.
This text was translated by machine from Brazilian Portuguese.