Check out the step by step to get the benefit of the Minha Casa Minha Vida program, and see the list of documents and requirements necessary to gain your approval! The procedure is simple and fast, all you need is to pay close attention to every detail of our article, check it out now!
The Minha Casa, Minha Vida program was designed to help Brazilians and combat inequality, ensuring a home for those who need it most. Want to know all the details to subscribe to My House My Life? Let's reveal all the necessary details!
- Minha Casa Minha Vida Program Requirements
The main rule of this benefit is directly related to the applicant's salary range. That is, in order to be approved, you will not be able to exceed the wage limit stipulated by the government.
- Benefit to acquire properties in urban areas: gross monthly family income limit of up to R $ 8 thousand.
- Program to purchase properties in rural areas: gross monthly family income limit of up to R $ 96 thousand.
IMPORTANT NOTICE: If you receive social or welfare and social security benefits such as Bolsa Familia, unemployment insurance or sickness allowance, the assistance amount will not be accounted for at the limit of income. That is, they will not disturb you in the integration of the benefit of My House My Life.
Understand the lanes of my home my life
- Tracks for real estate rents in urban areas
Range 1: per capita monthly gross income of up to R $ 2,640;
Track 2: per capita monthly gross income of R $ 2,640.01 up to a maximum of R $ 4,400;
Range 3: Per capita monthly gross income of R $ 4,400.01 up to a maximum of R $ 8,000.
- Real Estate lanes in rural areas
Range 1: per capita annual gross income of up to R $ 31,680;
Range 2: Per capita annual gross income of R $ 31,680.01 up to a maximum of R $ 52,800;
Range 3: Family annual gross income of R $ 52,800.01 up to a maximum of R $ 96 thousand.
What are the differences between wage ranges?
According to the track you integrate, the federal government can help you with more advantageous benefits and conditions. That is, the government will pay a larger part of the amount for you, if it is in ranges that indicate less financial conditions.
- Requirements to participate in the social program
- Perform registration for participation.
- Be integrated within one of the boundaries to participate (rural or urban).
- Be with the documentation updated up to date.
- Wait for the approval of your order.
Even with the increase of 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.
- Family groups with disabled
- Families with children and adolescents.
- Family nuclei with women responsible for the home.
- Families who are at risk and vulnerability.
- Homeless individuals.
- Families resident in areas affected by emergency and calamity situations.
- Families victims of involuntary displacement.
The objective of the state is to ensure that this program can serve those more needy first, ensuring its integrity.
Step by step to sign up for My House My Life
Minha Casa Minha Vida Program benefit , you will need to follow your salary strip, check out your salary group below:
- Registration for Salural Range 1
- First you must gather all necessary personal documents, which are listed in the next topic.
- Go to the city hall of your city and register in the government's housing social program.
- Expects the completion of the validation of the data that is performed by Caixa Econômica Federal. After approval, you will be warned about the date of the next draw.
- If you are chosen for the benefit, you will receive all information about the date of signature of the contract.
- Once this is done, go to the place indicated in the statement and sign the contract.
- Registration for the Salary Strip 2 and 3
- Choose the property according to the needs and their preferences.
- Open the Caixa Econômica Federal website and make a simulation
- Analyze the available bank financing options and select what you consider best.
- Add all your necessary documents, including both personal documents and those related to the property that was chosen.
- Take the full documentation to a Caixa agency or a cash correspondent here. And should go through an analysis.
- Wait for the approval of the documents (Caixa will communicate you about the conclusion)
- After obtaining approval, you must attend the site to sign the contract regarding the financing.
What documents are required for registration?
If you are from track 1, you only need to take personal documents. But if you belong to lanes 2 and 3, you will need to take the property documents as well.
- CPF;
- Personal documentation
- Identity document;
- Proof of your updated residence;
- Income Tax Declaration (if applicable).
- Property Documents ready
- Proof of income;
- Marital status;
- Definitive deed or the purchase and sale contract;
- Registration of the updated property.
- Property documents under construction
- Certificate of municipal, federal and state debts (IPTU, IPVA and INSS);
- Construction permit;
- Proof of project approval;
- Sewage declaration and electrical part;
- Important numbers referring to My House My Life
- Documents of the responsible for the work;
- Discriminative budget;
- Registration of the work updated at INS;
- Descriptive Memorial;
- Technical Responsibility Annotation (art);
- Proof of payment of municipal fees and taxes.
Note: It is noteworthy that if you are in the banner 1 of the benefit, you will not need the documents related to the real estate.
- Maximum value of the benefit properties
The benefit stipulates a maximum amount of values for their properties of banners 1 and 2. And these values are also influenced according to the population of the respective municipalities you live.
Population over 750 thousand >>> maximum property value R $ 264 thousand
300 thousand up to 750 thousand inhabitants >>> Maximum value of the property R $ 250 thousand
100 thousand up to 300 thousand inhabitants >>> maximum value of the property R $ 230 thousand
Less than 100 thousand inhabitants >>> Maximum property value R $ 200 thousand
If it belongs to track 3 the maximum value of the property will be R $ 350 thousand regardless of the states or municipalities.
