Find out how to register correctly for Minha Casa Minha Vida.
Transforming dream of home ownership in reality: closer than you think! The Minha Casa Minha Vida (MCMV) program was created to helping low-income families to buy your home. Here is a step-by-step guide to applying for the My House My Life.
Step by Step to Register for Minha Casa Minha Vida
To check if you are eligible, follow the steps below.
Check which income bracket you fall into
Track 1: Gross monthly family income of up to R$ 2,640.00 (or annual income of up to R$ 31,680.00 for rural areas).
Tracks 2 and 3: Gross monthly family income of up to R$ 8,000.00.
Find the modality that's right for you
Track 1:
Subsidized Housing Production: Brand new properties built by the federal government.
MCMV Rural: used in rural areas or new properties.
Tracks 2 and 3:
Financed purchase: New or used properties in urban areas.
By following these steps, you'll be one step closer to realizing your dream home with the My House My Life 2024.
Sign up
Track 1: See the two types of registration and follow the steps
Iregistration at the City Hall:
Go to your local town hall with your documents.
Check the deadlines and specific documents required at City Hall.
IRegistration with the Organizing Entities:
Non-profit organizations authorized and accredited by Caixa.
See the list on the Caixa website: Partner Entities.
Contact us to check the criteria and application process.
Tracks 2 and 3: Registration with Caixa
Carry out a loan simulation on the Caixa website: Financing Simulation.
Find your ideal property.
Present the required documentation at the Caixa.
Wait for the selection
Track 1: Selection can take place according to the following criteria:
Draw: Caixa holds several draws for the housing units. The date and place of the draw are announced by the Organizing Entity or the City Hall.
Other criteria: Evaluation of the length of time enrolled in the program, the family's social situation and the lowest income.
Faxes 2 and 3: There will be a credit analysis, where Caixa will assess your ability to pay.
Sign the contract
Contract for the purchase and sale of the property: Read all the clauses carefully before signing.
Financing contract: Choose the payment terms that best suit your needs.
Important documents:
CPF and ID of family members.
Proof of income.
Proof of address.
Birth or marriage certificate.
Other specific documents for each modality.
Important tips:
Keep your documents up to date.
Register in advance.
Read all the information carefully before signing any contract.
If you have any questions, contact Caixa Econômica Federal or the organizing body, the City Hall.
With the My House My LifeThe dream of home ownership is closer than you think!
Remember:
The information above is valid for the year 2024, but may change.
