The Minha Casa Minha Vida 2021 program is a federal government program with the aim of facilitating the financing of home ownership for low-income people. In this, these families manage to pay a certain amount per month, without having to compromise the bills.

So, today, we're going to show you how this program works, how you can apply, and other useful information about it! Check out!

Well, the Minha Casa Minha Vida 2021 program is a federal government program, managed by Caixa Econômica Federal, but also executed by Banco do Brasil. Created to make life easier for low-income people who are unable to buy their own home.

And in addition, the program seeks to bring more accessible means of financing, so that they can pay a monthly amount, without compromising their bills, and also pay a minimum down payment!

So, it is not a program aimed at everyone, but only at low-income people. And some criteria need to be observed, for example, the funding limit in this program is as follows:

Well, the installments will be automatically calculated and announced even before the contract is signed, and after the stipulated period of 30 days, the first payment will be made.

It is important to mention that payments can be made via direct debit or bank slip. If it is through debit, the installment will be automatically debited from the account. If using a bank slip, payment can be made at bank or lottery agencies.

Well, there are several advantages in the Minha Casa Minha Vida program. Initially, interest rates on this loan are lower. That's because the interest varies from 6% to 8% per year, being much lower than the interest on common financing.

And in addition, you can apply financing to rural properties. In this, there will be some differences between the funding criteria, but it is still possible.

Also, program participants have personalized service and the possibility of paying overdue installments with the FGTS.

So, to enroll in the Minha Casa Minha Vida program is very simple, but it is necessary to stick to the salary range. In this regard, if it is up to R$1,800.00, registration must be made at the City Hall of your city. After that, the enrollment phase will take place.

Then, the families that pass the selection will participate in a raffle, and the winners will receive funding. In this regard, if the income is above the mentioned amount, just contact one of the consultants directly or with Banco do Brasil or Caixa Econômica Federal.

All those who have a family income of up to R$6,500.00 can participate in the program, but there are some other criteria that are analyzed, see:

So, just follow all the criteria to enjoy all the benefits of financing Minha Casa Minha Vida!

It is important to mention that self-employed workers can also enroll in Minha Casa Minha Vida, just present their bank statement and income tax return!

Therefore, the Minha Casa Minha Vida program is an ideal program for those who want to buy their first property, but do not have sufficient financial conditions to do so. So, with lower interest rates and loads of perks, this program is worth it!

Remembering that the amounts of the installments cannot exceed 10% of the family income, and the financing has a maximum limit of 10 years! So, learn a little more about the Minha Casa Minha Vida program and make your request today!