Firstly, if you want to build your own home, see 5 tips for having your own home.
Undeniably, the project “My home, my life” aims to help families and provide adequate housing.
However, the program has three requirements, financed with resources from the federal budget (OGU), is specifically aimed at low-income families.
Furthermore, to know the 5 tips for owning your own home Next.
Track 1 – Target audience:
If you want an urban apartment, band 1 covers families with a gross monthly income of up to R$ 2,640.
BLOG.BLAMOB.COM
In the case of rural housing, the annual family income cannot exceed R$ 31,680;
How do I sign up for the program? Find a public entity, or government agency, such as your city-state's organizational body, and apply to be registered with the housing registry.
This is the first step to joining the program.
Property acquisition:
In the case of urban properties, the acquisition is for a period of 60 months, interest-free, with a minimum payment of R$ 80 and a maximum of R$ 330.
However, for rural properties the participation is 1 % of the contract value in a single installment paid at the time of contracting;
Beneficiary of the Descendência scholarship or BPC:
If you are a beneficiary of the Descendência scholarship or Continuous Payment Benefit (BPC) and are included in the program, you will receive assets that have already been paid for.
In addition, you will be exempt from paying installments subject to transfer restrictions for a period of 60 months, if the contract is not terminated prematurely.
Pay attention to deadlines
However, pay attention to the deadlines established by government or institutional bodies.
Missing an important date can be detrimental to the property acquisition process.
Therefore, there are conditions that may prevent participation in the program, such as: Having an income above the established limit, having a mortgage loan contract in force, owning your own home in any part of the country, among others.
The program also has units adapted for people with disabilities (PwD) and the elderly.
Now, with these precious tips you are ready to put your plan into action and start your own home ownership journey.
It is worth remembering that more information about the Minha Casa, Minha Vida – Track 1 program is available on the Da CAIXA website.
Fundraising Simulator
The customer can simulate the transactions they want with the housing simulator available in the application CAIXA Housing or in bank website.
READ TOO:
- 6 tips to be more productive at work
- 5 tips for paying your bills on time
- Tips to save fuel after ICMS
After the simulation, you can carry out the operation authorization process in the app itself or through one of the CAIXA branches or the corresponding CAIXA AQUI.
For more information about real estate credit, the customer can also consult the Caixa Habitacional app or seek guidance by calling 4004-0104 (main cities and metropolitan regions) and 0800-104-0104 (other locations) or on the bank's website.
The housing simulation program Da CAIXA was a great success last month, with a total of 8.8 million views.
Among these successes are 6.2 million people interested in properties eligible for the Minha Casa, Minha Vida program.
This number represents an increase of 109.7 % in searches.
The current management, chaired by the president of BOX Maria Rita Serrano has had problems responding to a demand contained in the housing sector due to the suspension of hiring in track 1 of the program that occurred during the previous administration.
Above all, Maria Rita Serrano emphatically highlights the importance of this action to fill this gap in terms of social housing.
Thus, approximately 47.43 % of those looking for an affordable property are between 25 and 35 years old, representing almost half of all purchases.
Furthermore, around 40 % of the simulations are for properties with values between R$ 150 thousand and R$ 200 thousand, while 16.0 % of the simulations are for properties with a value between R$ 100 thousand and R$. 150 thousand.
Although according to the drawer's analysis, the data is clear evidence that new program conditions are facilitating access to real estate credit.
