A governmental program in Brazil, Minha Casa Minha Vida (MCMV), gives lower income households housing using credit from CAIXA (bank owned by the government). And those with higher incomes, at a low rate interest loans, all of the houses running mostly on solar thermal. Since 2011, when all low income homes were given solar thermal, and 2009, when many were given solar water heaters. This is due to the rising cost of electricity making housing projects working hard to find more energy efficient measures in their projects. And by using these forms of energy production, they are able to 20% larger and allow for higher volumes of sale. With the success of the program, CAIXA hopes to by 2018 to provide for 3 million more homes from the current number
