How do I apply for a property through Minha Casa, Minha Vida?

Brazilians who wish to buy a property through the social program need to be aware of the Government’s rules. Check the eligibility criteria.

Minha Casa Minha Vida (MCMV) is preparing for a significant return in 2024. After a hiatus, this resumption brings new perspectives for low-income families, promising sustainable housing.

With the signing of contracts that signal the start of construction, the program aims to reduce the housing deficit, offering larger homes with infrastructure focused on sustainability.

Many Brazilians still have doubts about the rules of Minha Casa Minha Vida. Continue reading this article to check the eligibility criteria for the housing program.

Find out how to use Minha Casa Minha Vida – Credit: @jeanedeoliveirafotografia /

Who is entitled to the Minha Casa Minha Vida program?

According to the Federal Government, Brazilians can access the program through three income brackets. Check out.

Band 1: aimed at families with a monthly income of up to R$2,640. This range offers the highest subsidy rates, facilitating access to owning a home for the lower-income population; Range 2: covers families with monthly income between R$2,640.01 and R$4,000. Financing conditions for this range include smaller, but still advantageous, subsidies with competitive interest rates; Range 3: for families with monthly income between R$4,000.01 and R$8,000. Subsidies are more limited, but the The program also offers more accessible financing conditions than those practiced in the market.

Resumption and renewed focus

The resumption of Minha Casa Minha Vida signals a renewed focus on families with a monthly income of up to R$2,640, within range 1. After all, in the previous administration, the MCMV prioritized ranges 2 and 3.

In addition to expanding access to housing, the program introduces significant improvements to properties, such as requiring homes with an area greater than 40m².

Another important change is the requirement to implement two solar panels per house, promoting sustainability and energy efficiency.

Investment and future goals

With an investment of R$214 million, R$149 million from the Residential Leasing Fund (FAR) and R$65 million from municipal counterparts, the MCMV establishes a deadline of 18 months for the delivery of the works.

The program has an ambitious target of 1,875 new hires by the end of 2024, with almost 7,350 homes expected to be completed in the first four months of the year.

How to finance a house through the housing program

To finance the house through Minha Casa Minha Vida, Brazilians in bracket 1 need to be registered with the Federal Government’s Single Registry for Social Programs (CadÚnico). To do this, it is necessary to attend a CRAS unit (Social Assistance Reference Center).

It is worth noting that the city hall itself determines who will enter the draw, based on the CadÚnico database.

Meanwhile, Brazilians who fall into other bands should look for Caixa Econômica Federal or a construction company that is part of the housing program.

How to sign up for CadÚnico

If you wish to use Minha Casa Minha Vida, you must have an updated registration with CadÚnico, as already mentioned. Registration is done in person by CRAS. It is necessary to elect a family representative, who will be responsible for registration.

In addition to MCMV, CadÚnico allows access to other Federal Government social programs, such as Bolsa Família and Auxílio Gás, for example.

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