Check out the step-by-step guide to obtaining benefits from the Minha Casa Minha Vida program, and see the list of documents and requirements needed to get your 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" (My House, My Life) program was created to help Brazilians and combat inequality, guaranteeing a home for those who need it most. Want to know all the details to register for "Minha Casa, Minha Vida"? We'll reveal all the necessary information!
- Requirements of the Minha Casa Minha Vida program
The main rule for this benefit is directly related to the applicant's salary range. In other words, to be approved, you cannot exceed the salary limit set by the government.
- Benefit for acquiring real estate in urban areas: gross monthly family income limit of up to R$ 8,000.
- Program to acquire properties in rural areas: gross monthly family income limit of up to R$ 96,000.
Important Notice: If you receive social, welfare, or pension benefits such as Bolsa Família, unemployment insurance, or sick pay, the welfare amount will not be counted towards the income limit. In other words, they will not prevent you from qualifying for the Minha Casa Minha Vida program.
Understand the income bracket limits for the Minha Casa Minha Vida program
- Ranges intended for property incomes in urban areas
Tier 1: Gross monthly per capita income up to R$ 2,640;
Tier 2: Gross monthly per capita income from R$ 2,640.01 up to a maximum of R$ 4,400;
Tier 3: Gross monthly per capita income from R$ 4,400.01 up to a maximum of R$ 8,000.
- Income brackets for properties in rural areas
Tier 1: Gross annual per capita income up to R$ 31,680;
Tier 2: Gross annual per capita income from R$ 31,680.01 up to a maximum of R$ 52,800;
Tier 3: Gross annual family income from R$ 52,800.01 up to a maximum of R$ 96,000.
What are the differences between the salary ranges?
Depending on the income bracket you fall into, the Federal Government may be able to assist you with more advantageous benefits and conditions. In other words, the Government will pay a larger portion of the cost if you fall into the brackets that indicate lower financial means.
- Requirements to participate in the social program
- Register to participate.
- To be integrated within one of the designated areas to participate (rural or urban).
- Keep your documentation up-to-date.
- Please wait for your request to be approved.
Even with the increased opportunities in the Minha Casa Minha Vida program, there will still be a list of priorities in the selection and approval process.
- Priority Groups for the benefit
- Families with elderly members.
- Family groups with disabled members
- Families with children and teenagers.
- Family units headed by women.
- Families that are in situations of risk and vulnerability.
- Individuals experiencing homelessness.
- Families residing in areas affected by emergencies and disasters.
- Families who are victims of involuntary displacement.
The state's objective is to ensure that this program can serve those most in need first, guaranteeing its integrity.
Step-by-step guide to registering for the Minha Casa Minha Vida program
To be able to register for the Minha Casa Minha Vida , you will need to follow the step-by-step instructions corresponding to your salary range. Check the step-by-step instructions for your salary group below:
- Registration for Salary Range 1
- First, you must gather all the necessary personal documents, which are listed in the following section.
- Go to your city hall and register for the government's social housing program.
- Please 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 selected for the benefit, you will receive all the information regarding the contract signing date.
- Once that's done, go to the location indicated in the notice and sign the contract.
- Registration for Salary Range 2 and 3
- Choose the property according to your needs and preferences.
- Open the Caixa Econômica Federal website and run a simulation
- Analyze the available financing options from the bank and select the one 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 a Caixa Aqui correspondent. It will then undergo an analysis.
- Wait for document approval (Caixa will notify you when it's complete)
- After receiving approval, you must go to the location to sign the financing contract.
What documents are needed for registration?
If you are in Band 1, you will only need to bring your personal documents. But if you belong to Bands 2 and 3, you will also need to bring the property documents.
- CPF;
- Personal documentation
- Identity document;
- Proof of your current address;
- Income Tax Return (if applicable).
- Property documents ready
- Proof of income;
- Marital status;
- Final deed or the purchase and sale agreement;
- Updated property registration.
- Property documents for a property under construction
- Certificate of municipal, federal and state tax debts (property tax, vehicle tax and social security contributions);
- Building permit;
- Proof of project approval;
- Declaration of sewage and electrical system;
- Important figures regarding the "Minha Casa Minha Vida" program
- Documents from the person responsible for the project;
- Itemized budget;
- Updated registration of the work with the INS;
- Descriptive report;
- Technical responsibility annotation (ART);
- Proof of payment of municipal taxes and fees.
NOTE: It's worth highlighting that if you are in Band 1 of the benefit, you will not need the documents related to the properties.
- Maximum value of properties eligible for the benefit
The benefit establishes a maximum value limit for the respective properties in Bands 1 and 2. And these values are also influenced by the population of the respective municipalities where you live.
Population above 750,000 >>> Maximum property value R$ 264,000
300,000 to 750,000 inhabitants >>> Maximum property value R$ 250,000
100,000 to 300,000 inhabitants >>> Maximum property value R$ 230,000
Less than 100,000 inhabitants >>> Maximum property value R$ 200,000
If the property Band 3 R$ 350,000, regardless of the state or municipality.
