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Find out how to simulate real estate financing through the Minha Casa, Minha Vida program, without having to leave the comfort of your home!
Last Friday (7), the Federal Government implemented new regulations for the Minha Casa, Minha Vida program. Among the most significant changes are the increase in the subsidy, the reduction in the interest rate and the modification of the maximum amount for financing real estate.
Consequently, purchasing real estate through the Minha Casa, Minha Vida housing program has become even more attractive, as it offers extremely competitive rates on the market, in addition to significant discounts on the purchase of the property. See below how to proceed to simulate financing!
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Procedure for financing through My House, My Life
First of all, it is crucial to carry out a simulation to understand details about the credit. So, see below how to simulate financing for the purchase of a property through Minha Casa, Minha Vida, without leaving home:
- Visit the Caixa Econômica Federal Housing portal;
- Select the option “My Home, My Life”;
- Choose between “Urban housing” or “Urban housing Band 1” (remembering that the second option is for those with a maximum income of R$ 2,640.00);
- Enter the required data, such as: approximate value of the property, type of financing, location of the property, among others.
Read also: Expanded benefits: property purchase program with FGTS will be increased;
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Interest rates for financing
Regarding the new rules, the subsidy, which acts as a discount granted by the government to low-income families with monthly incomes of up to R$ 2,640.00 (band 1) and up to R$ 4,400.00 (band 2), increased to R$ 55 thousand, instead of the old R$ 47 thousand.
Regarding the interest rate for families with incomes of up to R$2,000, one of the lowest on the market, these vary according to the region. Check it out:
North and Northeast: from 4,25% per year to 4%;
South, Southeast and Central-West: from 4.5% per year to 4.25%.
