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The federal government is currently evaluating a strategy to facilitate proof of income for self-employed workers, aiming to provide them with access to the “Minha Casa, Minha Vida” housing program.
The Minister of Cities, Jader Filho, announced this news last Wednesday (19), generating great expectations. After all, one of the main requirements for participating in the housing program is proof of workers’ monthly income.
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However, this task is particularly challenging for those who are self-employed, as they often have difficulty obtaining official documents that conventionally prove their income.
To overcome this obstacle, the government is considering ways to simplify the verification process for these workers.
Want to know what is planned and clear up several questions about Minha Casa, Minha Vida? Then this text is for you! Join us as we explore the topic.
Minha Casa, Minha Vida for self-employed workers
Read also: Frequently asked questions about Minha Casa Minha Vida: Learn everything about the housing program
First of all, it is important to point out that, according to estimates, approximately 38.8 million individuals were working informally in 2022, representing a significant 39.6% of the workforce.
This group of workers includes app-based drivers such as Uber drivers, recyclable material collectors, informal vendors, freelancers, and other professionals. With this in mind, the government is studying ways to facilitate the income verification process for workers in this category.
Jader Filho, the Minister of Cities, emphasized that the issue is being discussed and is making progress. However, he highlighted the need to prioritize other pending measures to make it possible to implement this proposal in the Minha Casa, Minha Vida program.
In his words, the minister said that the ministry faced significant challenges due to its dissolution under the previous government, which ultimately made it difficult to continue housing initiatives.
Jader emphasized that the team had to start from scratch, which naturally brought additional challenges to be overcome.
The latest housing program, Minha Casa, Minha Vida, was implemented at the beginning of July this year, after the corresponding legislation was approved by President Lula.
New Minha Casa, Minha Vida
Since the relaunch of Minha Casa, Minha Vida, many changes have taken place to expand the program's benefits.
The government's financing strategy is based on family income to define its different eligibility brackets.
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Under Program Bracket 1, families with a monthly income of up to R$ 2,640 are served. This bracket is aimed at low-income families, providing access to housing under more affordable conditions.
Bracket 2 covers families with an income between R$ 2,640 and R$ 4.4 thousand. In this group, the program seeks to serve a segment of the population that has a slightly higher income but still needs support to acquire decent housing.
Finally, Minha Casa, Minha Vida Bracket 3 includes families with a monthly income between R$ 4.4 thousand and R$ 8 thousand. In this category, the program seeks to help middle-income families access financing with reduced interest rates for purchasing properties.
Property prices
Read also: Great disappointment for Minha Casa, Minha Vida beneficiaries this week
Regarding property financing through the Minha Casa, Minha Vida program, the maximum financing amounts vary according to the beneficiary’s income bracket and the type of development.
For Bracket 1, aimed at lower-income families, the maximum financing amount is R$ 170 thousand.
In Bracket 2, which serves an intermediate income bracket, the maximum amount is R$ 264 thousand. For Bracket 3, which includes higher-income families, the financing limit is R$ 350 thousand.
In the specific case of rural MCMV, new homes saw an increase in the maximum financing amount, from R$ 55 thousand to R$ 75 thousand. In addition, there was a significant increase in financing for home improvements, which rose from R$ 23 thousand to R$ 40 thousand.
Finally, it is also worth highlighting the interest rates for financing. These likewise vary according to the beneficiary’s income bracket, as well as the region where the property is located. Thus, in Bracket 1, interest rates range from 4% to 5.5%. In Bracket 2, rates range between 4.75% and 7%. For Bracket 3, interest rates range between 7.66% and 8.16%.
