Can you rent in Brazil without a guarantor in 2026?

Prepare a solvency pack first: CPF, passport or CRNM, Brazilian mobile number, and income evidence (CLT payslips, remote-work statements, or pension transfers): Get a CPF, Get a CRNM, and Residence or work permit. A local account helps Pix rent and insurance premiums: Open a bank account.

Caução is a cash deposit capped at three months’ rent and held in a savings account for the tenant’s benefit when released. Seguro fiança is insurance that replaces the guarantor for a premium; annual cost often lands in a planning band near one to three months of rent depending on insurer and coverage, or a monthly percentage on some platform products. QuintoAndar and similar digital agencies often run credit analysis plus platform guarantee products so you never hunt a fiador: How to rent a home.

Furnished short stays and monthly platforms often skip fiador demands and run on passport plus advance payment while you assemble documents: Short-term housing for newcomers. Traditional agencies in São Paulo and Rio may still prefer a fiador on older stock; filter listings that advertise seguro fiança or platform guarantees.

Never stack two guarantee types in one lease; the law voids that combination. Never treat a WhatsApp “no fiador, just Pix caução before viewing” message as a solution: Avoid rental scams. Remember that condomínio and IPTU shares still sit beside rent when landlords and platforms judge income multiples: Condomínio fees.