Minha Casa, Minha Vida (MCMV) is Brazil’s flagship housing program, relaunched in 2023 and updated for 2025.
Registration and selection vary by income “faixa” (band) and by whether the home is subsidized (mainly Faixa 1) or financed (Faixas 1–3).
Below is a step-by-step guide, using criteria and procedures published by federal and municipal authorities.
Who Can Apply in 2025
MCMV serves families with a gross monthly income of up to R$8,000 in urban areas or a gross annual income of up to R$96,000 in rural areas.
Within this ceiling, families are grouped into bands that determine whether the unit will be subsidized or financed.
- Faixa 1 (urban): up to R$2,640/month.
- Faixa 2: R$ 2.640,01 to R$ 4.400,00/month.
- Faixa 3: R$ 4.400,01 to R$ 8.000,00/month.
Benefits such as Bolsa Família and BPC are excluded from this income calculation.
Families cannot own a residential property or have a current FGTS-funded housing loan to qualify for a new operation.
Note: In 2025, the federal government also publicized Minha Casa, Minha Vida – Classe Média, which allows families with income up to R$ 12,000/month to finance a home via Caixa under conditions linked to MCMV. This line is a financing product, distinct from the traditional subsidized/financed Faixas 1–3.
Where and How to Register (it depends on your faixa)
There is no single federal “online registration” page for everyone. Registration occurs through three official channels, depending on your case.
Your municipality or state (for subsidized units in Faixa 1).
An Entidade Organizadora (EO) — a non-profit accredited for certain Faixa 1 projects.
A participating financial institution (Caixa or Banco do Brasil) for financed units (Faixas 1–3).
Step-by-Step: Faixa 1 (Subsidized) Registration
Faixa 1 selections are carried out by states/municipalities or accredited EOs under national rules set by the Ministry of Cities.
Step 1 — Get or update your CadÚnico
CadÚnico is managed locally and is free. The family representative must go in person to a service point (often the CRAS).
Bring a photo ID, CPF (preferred) or voter ID, proof of address (or a signed residence declaration where allowed), and documents for each family member.
Update the record every two years or whenever there are changes in family composition, income, address, or school enrollment.
Step 2 — Enter your local housing registry
City halls usually maintain a Cadastro Habitacional and periodically open or update registrations.
Monitor your municipality’s housing department channels for when and how to present documents.
Many cities also list in-person service posts and their document checklists.
Step 3 — Await selection according to federal and local criteria
Selection for Faixa 1 must follow federal norms and local regulations.
Municipalities or EOs publish calls, deadlines, preliminary lists, and appeals procedures.
Charging fees or “priority payments” is prohibited.
Step 4 — Document check and contracting
If selected, the municipality or EO forwards your file to Caixa, which will perform checks and formalize the agreement.
Observe the deadlines and instructions in the public call or from the housing office.
Step-by-Step: Financed Lines (Faixas 1–3)
Financed lines for Minha Casa, Minha Vida 2025 differ slightly.
Step 1 — Check eligibility and price limits
Confirm your household income fits Faixa 1, 2, or 3. You must not own a home or hold an active FGTS housing loan.
For financed purchases, there are property value caps that vary by locality for Faixas 1 and 2.
For Faixa 3, the sales price limit is up to R$350,000 nationwide.
Step 2 — Gather documents
Banks request identification, income proof (formal or as per bank policy for self-employed), marital status documents, and proof of address.
Income verification for autonomous workers follows each bank’s credit analysis rules.
Step 3 — Contact Caixa or Banco do Brasil
Start at a branch or through digital channels to simulate financing, verify FGTS use (including features like FGTS Futuro).
Confirm if the chosen property fits the program.
The bank evaluates the borrower and the property (location, price cap, documentation).
Step 4 — Credit analysis, appraisal, and contracting
After approval and appraisal, the bank issues the contract under MCMV conditions for your faixa.
Sign within the deadline and follow guidance for disbursement and property registration at the notary.
Tip: If your income is between R$ 8,000 and R$ 12,000, you may explore MCMV – Classe Média financing at Caixa, which uses MCMV parameters tailored to middle-income families.
Required Documents For Minha Casa, Minha Vida 2025
While cities and banks can add specifics, keep the following ready:
- Photo ID and CPF for the family representative (and IDs for all family members when dealing with CadÚnico).
- Proof of address (or a signed residence declaration where allowed).
- Civil status proof (birth or marriage certificate; divorce/separation documentation if applicable).
- Income proof (pay slips, bank statements, or accepted documentation for self-employed).
- Property documents (for financed cases, as instructed by the bank).
- FGTS information if you plan to use FGTS as part of the financing.
Fees and Scams: What Is Forbidden
The Ministry of Cities is explicit: no one may charge registration or prioritization fees under MCMV (urban or rural).
Do not give cash to intermediaries or informal agents. Only follow instructions from city halls, accredited entities, Caixa/Banco do Brasil, and official notices.
If you encounter irregularities, report them to the Public Prosecutor’s Office and your municipality’s ombudsman channels.
Useful References and Where to Follow Calls
CadÚnico / CRAS: use local social assistance channels to locate service points and confirm required documents; initial enrollment is in person.
Ministry of Cities (MCMV information): check official pages for faixa definitions, income limits, property caps, and selection rules.
City hall housing departments: many municipalities publish service posts, schedules, checklists, and public calls for MCMV registration.
Participating banks (Caixa and Banco do Brasil): simulate financing, confirm property eligibility, and receive the document list for contracting.
Conclusion
Registering for Minha Casa, Minha Vida 2025 depends on whether you seek a subsidized allocation or a financed purchase.
Keep your CadÚnico updated, monitor your municipality’s calls, and organize your documents early to avoid delays.
With these steps, you place your family on the right path to secure housing under the federal program.
