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That reduces the cost by 50% and you'd easily be able to afford it.
So the lower your current faith's fervor, the cheaper it gets to create a new faith.
BTW - Faith, not religion. The religions are the groups like christianity, islam or buddhism. Faiths are the individual denominations. You cannot create a new religion, even if you name it after your favorite manga it is still a christian faith.
For those curious it was the Milete religion
Also if you're playing a religion with heresies, every time a heresy spawns now, the fervor gets a massive boost for awhile in order to slow down heresy spread, so you don't have pretty much all of them popping off at once.
Winning and sinning lower fervor.