First, if you want to make your home a reality, here are 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 having your own home next.
Track 1 – Target audience:
If you want an urban apartment, band 1 includes families with a gross monthly income of up to R$2,640.
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In the case of rural housing, the annual family income cannot exceed R$31,680;
How do I apply for the program? Find a public entity, or government agency, such as the organizational body of your city-state, and apply to be registered in the housing registry.
This is the first step to joining the program.
Real estate acquisition:
In the case of urban properties, the acquisition is for a period of 60 months, interest-free, with a minimum payment of R$ 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 Descendant Grant or BPC:
If you are a beneficiary of the Descendência grant or Continuous Payment Benefit (BPC) and are included in the program, you will receive assets that have already been paid.
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.
Be aware of 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 higher than the established limit, having a current housing loan agreement, owning your own home anywhere in 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 homeownership journey.
It is worth remembering that more information about the Minha Casa, Minha Vida – Faixa 1 program is available on the CAIXA website.
Fundraising simulator
The client can simulate the transactions they want with the housing simulator available in the application. Housing BOX or not bank website.
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After the simulation, you can carry out the transaction authorization process in the app itself or through one of the CAIXA branches or CAIXA AQUI correspondent.
For more information about real estate credit, customers 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 via the bank's website.
CAIXA's housing simulation program was a huge 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 a 109.7 % increase in searches.
The current management, chaired by the president of BOX Maria Rita Serrano has had problems responding to contained demand in the housing sector due to the suspension of hiring for band 1 of the program that occurred in 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 a popular property are between 25 and 35 years old, representing almost half of all acquisitions.
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 values between R$ 100 thousand and R$. 150 thousand.
Although according to the analysis of the drawer, the data is clear evidence that the new program conditions are facilitating access to real estate credit.