Criteria to guarantee FREE housing on Minha Casa, Minha Vida leaked: check it out!

Find out how to get free housing on Minha Casa, Minha Vida and the recent changes to the program!

The Minha Casa Minha Vida program aims to make it easier for low-income people to own their own home, providing subsidies and discounts to reduce the value of payments.

However, a recent change has attracted attention, as housing is now available completely free of charge. Check it out with in the following lines.

Discover the criteria for obtaining your own home free of charge through Minha Casa Minha Vida. (Credit: @jeanedeoliveirafotografia /

What’s new in Minha Casa, Minha Vida 2024

Last year, the Ministry of Cities issued a decree establishing the availability of free housing through Minha Casa Minha Vida.

Before this decision, all buyers were responsible for paying the financing, even if the amount was relatively low.

Now, a specific group is exempt from this obligation.

Find out also: Who are the Brazilians who will receive a minimum benefit of R$600 this Thursday (25); see the list

How do I get Minha Casa Minha Vida?

To be eligible for free housing through Minha Casa Minha Vida, it is necessary to meet the requirements stipulated by the federal government.

Namely, the exemption from financing installments applies to the following groups:

Who receives Bolsa Família; Who receives the BPC (Continuous Payment Benefit); eContracts in subsidized modalities with resources from: FAR (Residential Leasing Fund); FDS (Social Development Fund); ePNHR (National Rural Housing Program).

In this sense, it is estimated that around 750 thousand families who have already purchased properties and were paying for financing in recent years will benefit from the exemption.

How do I request exemption from Minha Casa Minha Vida 2024?

To request the exemption, holders of active contracts that meet the criteria must wait for the system to be analyzed, which will automatically grant the exemption.

Those who meet the requirements, but have not yet purchased their homes through the program, can also take advantage of this opportunity when signing the contract.

Recent changes to Minha Casa Minha Vida

The program has undergone recent modifications, establishing three income ranges for beneficiaries, with a monthly limit of up to R$8,000.

In urban areas, range 1 is intended for families with a gross monthly income of up to R$2,640, range 2 covers up to R$4,400, and range 3 reaches R$8,000.

For rural areas, the values ​​are annualized. Range 1 encompasses families with an annual income of up to R$31,680, range 2 extends up to R$52,800, and range 3 covers up to R$96,000.

Financing source

Financing for Minha Casa Minha Vida will be provided by several sources. However, priority will be given to families that meet social, health and vulnerability criteria in operations involving:

Union Budget;Resources from the National Social Housing Fund (FNHIS);Resources from the Social Development Fund (FDS); orResources from the Social Rental Fund (FAR).

In addition to housing funds, the Union may initiate credit operations to finance the program, including agreements with multilateral credit organizations, such as the BRICS Bank.

Inclusion and financial participation

The new conditions for beneficiaries also include the execution of contracts and property registrations predominantly in the woman’s name.

Furthermore, if the woman is the "head of the family", she will be able to sign these documents even without the grant from her spouse, fulfilling a general requirement provided for by the Civil Code.

Access to housing can occur through assignment, donation, rental, lending or leasing, in addition to purchase.

Minha Casa Minha Vida beneficiaries also have the option of contributing financially through the payment of installments.

Meanwhile, other participants, such as states and municipalities, can contribute land or carry out works and services to complement the investment.

Families benefiting from Bolsa Família or the Continuous Payment Benefit (BPC) will be exempt from paying financial participation, making the program even more accessible for those who need it most.

Finally, with these changes, Minha Casa Minha Vida seeks to expand access to decent and free housing for the most vulnerable sections of the Brazilian population.

More about Minha Casa Minha Vida: Minha Casa, Minha Vida has 5 priority groups: find out if you are part of one

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