Find out how to sign up for Minha Casa, Minha Vida

Imagine providing quality housing for your entire family and still paying the installments according to your income? With the program My home, my life, you can buy your own home, with the lowest interest rates on the market and still fulfill your dream of getting out of rent.

With the program, you can count on easier payment conditions, in addition to the possibility of using your FGTS for entry. There are countless benefits!

Do you want to know how to sign up for the program to have the chance to realize your dream of owning your own home? So, check out the rules and a complete step-by-step guide below!

Who can sign up for Minha Casa Minha Vida?

With easy payment conditions, the Minha Casa, Minha Vida program makes it possible to realize the dream of having your own home. 

The program offers reduced interest rates, financial subsidies and installments adjusted according to the beneficiary's income, making purchasing a home more affordable.

However, as with any government program, you must meet certain requirements to apply. 

You must fall into one of the income ranges established by the program and follow the specific registration procedures. Check out the rules below!

• Be over 18 years old;
• Prove your income;
• Have a clean name and have no restrictions at SPC or SERASA;
• Not participating in the National Register of Borrowers (CADMUT);
• Do not participate in the Federal Public Sector Defaulters Registry (CADIN);
• Not receiving government housing benefits on another occasion;
• Do not participate in the Residential Leasing Program;
• Do not own any property in your name.

It is worth mentioning that the program is aimed at families who really need assistance and who cannot purchase a property through traditional financing.

How do I sign up for Minha Casa, Minha Vida?

Initially, check if you fall into one of the income ranges established by the program. It is worth mentioning that the ranges vary depending on your monthly income and the location of the property.

Furthermore, it is worth mentioning that for families in Track 1, the procedure is different from that in Tracks 2 and 3. See below the details and step-by-step instructions for each registration category.

Registration for Track 1

If you fall into Track 1, you can access the government subsidized housing program. To sign up for Minha Casa, Minha Vida in this range, follow the steps below:

• Go to your city hall or to a local construction company registered in the program;
• There, you will need to fill out a form with your information and submit the required documentation;
• After delivery, track the progress of your selection process.

Registration for Tracks 2 and 3

For those who fall into Bands 2 and 3, the steps required to enroll in the program are as follows:

• First, choose a property to finance, but remember that it must meet the requirements established by the program;
• Then, carry out a financing simulation through the Caixa Econômica Federal website;

• If you are satisfied with the values, gather the necessary documents and go to a Caixa branch to start applying for financing;
• Wait for the analysis process and, if approved, you must return to the agency to sign the contract and formalize the financing.

By following these steps, you will complete your registration in the program and will be closer to realizing your dream of having your own home.

Minha Casa, Minha Vida is one of the programs that the Federal Government offers to Brazilians, to expand access to quality housing. If you fit all the criteria, don't miss this chance.

Written by

Daniele Freitas