O Minha Casa Minha Vida (MCMV) program in 2024 presents important news for those seeking to carry out the dream of home ownership.
To help you understand the changes and find out if you fit the requirements, I've prepared a complete summary of the main rules:
Income brackets:
Band 1 (up to R$ 2,640.00):
Subsidy: Larger, with resources from the FGTS and the Social Development Fund (FDS).
Ifurniture: Maximum amount of R$ 264,000 in urban areas and R$ 31,680.00 per year in rural areas.
Band 2 (from R$ 2,640.01 to R$ 4,400.00):
Subsidy: Smaller, with funds from the FGTS and a counterpart from the government.
Ifurniture: Maximum amount of R$ 264,000 in urban areas and R$ 31,680.00 per year in rural areas.
Band 3 (from R$ 4,400.01 to R$ 8,000.00):
No subsidy: Financing with funds from the FGTS and the Housing Finance System (SFH).
Real estate: Maximum amount of R$ 350,000 in urban areas and R$ 96,000.00 per year in rural areas.
Hiring methods:
✔️ Individual: Through organizing entities or directly with Caixa Econômica Federal.
✔️ Cotista: Aimed at families registered with the program's organizers.
Restrictions:
✔️ Families with income above the program limits: They cannot take part.
✔️ Ownership of another property: Prevents participation, except in specific cases.
✔️ Receipt of housing benefits: Restricts participation in some cases.
Other Relevant Information:
✔️ Priority for families with women: Heads of single-parent families or families with women as the main signatories to the contract.
✔️ Cadastro único: Registration through CadÚnico, with priority given to families living in extreme poverty.
✔️ Land regularization: Priority for families in areas in the process of being regularized.
✔️ Data update: Need to keep registration data up to date.
For more information:
Visit the official Minha Casa, Minha Vida website: Site CASH.
Check with the organizers of the program in your region.
Call Caixa Econômica Federal: 4004-0101.
Remember:
The rules may change. Always consult official sources for the latest information.
Plan financially and seek professional advice before enrolling in the program.
With planning and knowledge of the new rules, you increase your chances of realizing your dream home with the My House My Life 2024!
