Minha Casa, Minha Vida was created to help Brazilians achieve their dream of owning their own home. Want to know how to participate? This guide explains everything you need to understand the program.
General conditions for registration
The main rule of My Home, My Life is related to family income:
Urban areas: Gross family income of up to R$1,000,400 per month. Rural areas: Gross family income of up to R$1,040,000 per year. It is important to remember that benefits such as Bolsa Família, sickness benefit or unemployment insurance are not included in the calculation of family income, that is, they do not interfere with your eligibility for the program.
Income Ranges for Real Estate in Urban Areas
- Track 1: Gross monthly family income of up to R$ 2,640.
- Track 2: Gross monthly family income between R$ 2,640.01 and R$ 4,400.
- Track 3: Gross monthly family income between R$ 4,400.01 and R$ 8,000.
Income Ranges for Rural Properties
- Track 1: Gross annual family income of up to R$ 31,680.
- Track 2: Gross annual family income between R$ 31,680.01 and R$ 52,800.
- Track 3: Gross annual family income between R$ 52,800.01 and R$ 96 thousand.
What Changes in Each Income Range?
Depending on your income bracket, the government may offer more advantageous conditions, such as subsidies for the property. Therefore, it is essential that the information provided is truthful.
Documents required for registration in My Home My Life
Submitting the documents is essential to validate your application and ensure that the benefit is granted fairly. The list of required documents is as follows: ✅ Identification Documents: CPF, RG or any other official document with photo. ✅ Proof of Address: Water bill, electricity bill, or other document confirming your current address. ✅ Proof of Income: Pay slip, bank statement, income tax return or MEI document (for self-employed or informal workers). ✅ Birth or Marriage Certificate: To prove your marital status and dependents, if any. ✅ FGTS Extract: Required if you are using FGTS benefits.
Steps to register
Now that you know the requirements and documentation, see the step-by-step guide to complete your registration: ✅ Organize your Documents: Check that all required documents are up to date and meet the requested requirements. ✅ Visit the Official Website: Go to the official Minha Casa Minha Vida website or visit a housing correspondent of the bank. ✅ Fill out the Registration Form: Provide all requested information, such as personal, family and income data. ✅ Submit Documentation: Attach the documents requested on the website or deliver them in person to validate the information provided. ✅ Wait for the Evaluation: Your application will be analyzed to verify and validate the data provided. ✅ Approval and Next Steps: If your application is approved, you will receive guidance on the next steps, such as choosing available properties and financing conditions.
Requirements to participate in My Home, My Life
To participate in the program, you must:
- Be within one of the income brackets.
- Have up-to-date documentation.
- Register for the program.
- Wait for approval.
Priority groups
Some groups have priority in registration My Home, My Life, such as:
- Women who are heads of households.
- Families with elderly people.
- People with disabilities, children and adolescents.
- Families at risk, vulnerable or in disaster areas.
- Families who have experienced involuntary displacement.
- Homeless people.
- The program's priority is to first assist the families that need it most.
More information
You can contact Caixa by phone: 0800 726 0207 or by WhatsApp on 0800 104 0 104.