Check out the step-by-step guide to acquiring the benefit of the Minha Casa Minha Vida program, and see the list of documents and requirements needed to gain approval! The procedure is simple and quick, all you need to do is pay close attention to every detail in our article, check it out now!
The Minha Casa, Minha Vida program was designed to help Brazilians and combat inequality, guaranteeing a home for those who need it most. Do you want to know all the details to sign up for Minha Casa Minha Vida? Let's reveal all the necessary details!
- Requirements for the My Home My Life program
The main rule of this benefit is directly related to the applicant's salary range. In other words, in order to be approved, you cannot exceed the salary limit stipulated by the government.
- Benefits of purchasing property in urban areas: gross monthly family income limit of up to R$ 8 thousand.
- Program to acquire properties in rural areas: gross monthly family income limit of up to R$ 96 thousand.
Important Notice: If you receive social or welfare benefits such as Bolsa Família, unemployment insurance or sickness benefit, the welfare amount will not be counted towards your income limit. In other words, they will not interfere with your ability to receive the Minha Casa Minha Vida benefit.
Understand the limits of the Minha Casa Minha Vida ranges
- Bands intended for income from real estate in urban areas
Band 1: monthly gross income per capita of up to R$ 2,640;
Band 2: monthly gross income per capita of R$ 2,640.01 up to a maximum of R$ 4,400;
Band 3: monthly gross income per capita of R$ 4,400.01 up to a maximum of R$ 8,000.
- Income ranges for properties in rural areas
Band 1: annual gross income per capita of up to R$ 31,680;
Band 2: annual gross income per capita of R$ 31,680.01 up to a maximum of R$ 52,800;
Band 3: annual gross family income of R$ 52,800.01 up to a maximum of R$ 96 thousand.
What are the differences between salary ranges?
Depending on the bracket you are in, the Federal Government may help you with more advantageous benefits and conditions. In other words, the Government will pay a larger portion of the amount for you if you are in the brackets that indicate less financial conditions.
- Requirements to participate in the social program
- Register to participate.
- Be integrated within one of the limit ranges to participate (rural or urban).
- Have up-to-date documentation.
- Wait for your request to be approved.
Even with the increase in opportunities in the Minha Casa Minha Vida program, there will still be a list of priorities in the approval selection procedure.
- Priority Groups for the benefit
- Families with elderly people.
- Family groups with disabled people
- Families with children and teenagers.
- Family units with women responsible for the home.
- Families that are in a situation of risk and vulnerability.
- Homeless individuals.
- Families living in areas affected by emergency and disaster situations.
- Families victims of involuntary displacement.
The state's goal is to ensure that this program can serve those most in need first, while ensuring its integrity.
Step by step guide to registering for My Home My Life
In order to be able to register for the program benefit My Home My Life, you will need to follow the steps corresponding to your salary range, check the steps for your salary group below:
- Registration for Salary Band 1
- First you must gather all the necessary personal documents, which are listed in the next topic.
- Go to your city's City Hall and register for the government's social housing program.
- Wait for the data validation process to be completed by Caixa Econômica Federal. After approval, you will be notified of the date of the next draw.
- If you are chosen for the benefit, you will receive all the information about the date of signing the contract.
- Once this is done, go to the place indicated in the notice and sign the contract.
- Registration for Salary Band 2 and 3
- Choose the property according to your needs and preferences.
- Open the Caixa Econômica Federal website and run a simulation
- Analyze the bank's available financing options and select the one that you consider best.
- Gather all your necessary documents, including both personal documents and those related to the property you have chosen.
- Take the complete documentation to a Caixa branch or to a Caixa Aqui correspondent. It will be analyzed.
- Wait for the documents to be approved (Caixa will notify you of completion)
- Once you have received approval, you must go to the location to sign the financing contract.
What documents are required for registration?
If you are in Band 1, you will only need to bring your personal documents. However, if you are in Bands 2 and 3, you will need to bring your property documents as well.
- CPF;
- Personal documentation
- Identity document;
- Updated proof of your residence;
- Income Tax Return (if applicable).
- Ready property documents
- Proof of income;
- Marital status;
- Final deed or purchase and sale agreement;
- Updated property registration.
- Documents for property under construction
- Certificate of municipal, federal and state debts (IPTU, IPVA and INSS);
- Building permit;
- Proof of project approval;
- Declaration of sewage and electrical part;
- Important numbers regarding My Home My Life
- Documents of the person responsible for the work;
- Discriminative budget;
- Registration of the work updated at INS;
- Descriptive memorial;
- Technical Responsibility Note (ART);
- Proof of payment of municipal taxes and fees.
NOTE: It is worth noting that if you are in Band 1 of the benefit, you will not need documents relating to the properties.
- Maximum value of benefit properties
The benefit stipulates a maximum value limit for the respective properties in Bands 1 and 2. And these values are also influenced according to the population of the respective municipalities where you live.
Population Above 750 thousand >>> Maximum property value R$ 264 thousand
300 thousand to 750 thousand inhabitants >>> Maximum property value R$ 250 thousand
100 thousand to 300 thousand inhabitants >>> Maximum property value R$ 230 thousand
less than 100 thousand inhabitants >>> Maximum property value R$ 200 thousand
If you belong to Track 3 the maximum value of the property will be R$ 350 thousand regardless of states or municipalities.
