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The Minha Casa Minha Vida program is an initiative of the Brazilian federal government, which aims to facilitate access to housing for low-income families across the country.
To participate, you must meet requirements that may vary depending on the family's income bracket and the financing method chosen. k
Family income is very important because there are income ranges and these limits vary depending on the region of the country and the type of financing chosen. The candidate also cannot own or finance property anywhere else in the country.
The CPF must be registered with the Federal Revenue Service and there must be no credit restrictions with credit protection agencies. In addition, it is necessary to meet other conditions such as minimum age, number of dependents, length of time worked with a signed employment contract, among others. Keep following the article to find out how to participate in this program!
What has changed in the program for 2024?
You must register with financial agents authorized by the program, such as Caixa Econômica Federal. This registration can be done in person at a branch or through Caixa's official website.
It was in Santo Amaro (BA) that the President of the Republic signed a Provisional Measure that updates the housing program and prioritizes the service of Faixa 1, which is aimed at low-income people.
The federal government intends to contract 2 million works by 2026, with the program It is aimed at those who live in urban areas and have a gross monthly family income of up to R$8,000 and also includes families in rural areas with an annual gross income of up to R$96,000.
This amount does not take into account temporary, social security or welfare benefits such as aid and benefits such as Bolsa Família. The government's aim is to generate income and jobs for the population.
The intention is to promote social and economic development, combining the quality of life of the population. These homes can be offered in the form of donation, transfer, lease, rental or sale, loan, with or without financing, if preferred.
If you do not meet the requirements to participate in the Minha Casa Minha Vida program, there are other ways to acquire your own home, such as the home ownership consortium, home ownership loans, home ownership loans, such as the Casa Propiedades Santander, Itaú or Banco do Brasil.
My Home My Life 2024
Brazil has more than 280,000 homeless people, a housing deficit of 5.9 million homes and another 24.8 million with some type of inadequacy.
On the other hand, there are more than 5.1 million households in communities concentrated in large cities in the Southeast and Northeast regions, with significant growth in the North region.
Projects, services and works must take into account accessibility and sustainability aspects. Homes must be adapted and accessible for use by people with disabilities, reduced mobility or the elderly.
They must also pay attention to social, economic, environmental and climate sustainability and preferably use renewable energy sources as well as low-carbon and recycled construction materials.
What were the main changes in the presidential management of Minha Casa Minha Vida 2024?
Five years ago, Faixa 1 of the Minha Casa, Minha Vida program served families with a monthly income below two minimum wages and did not charge interest. Financing was obtained without a credit analysis, and as a result, many families, including low-income and indebted families, were able to participate.
During the former president's administration, the program was renamed Casa Verde Amarela, and Faixa 1 was eliminated and replaced by Grupo 1, which served families with an income of two minimum wages, and charged interest of up to 4.75% per year or 4.25% per year for those who are FGTS members.
The program Minha Casa Minha Vida 2024 was relaunched by provisional measure, which has a term of 60 days, extendable for the same period and will be analyzed in both legislative houses. It needs to be deliberated in time so that it does not lose its validity.
The program was initially created in 2009, and now continues to predict results from the reduction of social and regional inequality, with a stimulus to land policies, federative cooperation and the strengthening of the National Housing System, with the generation of employment and income.
Program provides decent housing and makes a difference in people's lives
The main objective of the program is to provide housing conditions for families who would not have access to conventional real estate financing. Through the program, families have the opportunity to acquire their own home.
Regardless of whether it is through the purchase of constructed properties or the construction of a house on one's own land, the program offers subsidies and other forms of financial incentive to help these families realize their dream of owning their own home.
With the guarantee of a roof over their heads, families have greater security, comfort and quality of life, and this contributes to personal and family well-being and development.
Furthermore, owning a home generates financial value, allowing families to have a more stable and secure future. Over the years, the Minha Casa Minha Vida program has helped millions of families and now more people will be able to take part and make their dreams come true.
