Owning your own home is more than just a dream—it’s a milestone in your life. But how can you make this dream possible for those on a tight budget?
The answer is in us benefits and advantages of the My Home My Life program.
Created to facilitate access to decent housing, the program was reformulated and brings powerful news for those who want to stop renting.
Keep reading and find out why Minha Casa Minha Vida is still the best housing finance option in 2025 — and how to take advantage of each benefit to your advantage.
What is My Home My Life?
THE My House My Life is a Federal Government housing program aimed at Brazilian families of low and middle income, with the aim of facilitating access to urban and rural housing.
Through it, it is possible to acquire houses and apartments with facilitated financing conditions, reduced interest rates and government subsidies.
After being temporarily replaced by the program Green and Yellow House, Minha Casa Minha Vida was relaunched in 2023 with new guidelines — fairer, more modern and inclusive.
Main Benefits and Advantages of the Program
1. Low and below market interest rates
One of the biggest attractions is the interest rate. Those who fall into the lower income brackets can get interest of up to 4% per year, much lower than that practiced by conventional banks.
This means that the value of the installments is lighter and more affordable for your pocket.
2. Allowance of up to R$47,000
The federal government offers a subsidy (i.e., an amount that does not need to be returned) of up to R$ 47 thousand for those who fit into bands 1 and 2 of the program.
This value serves to lower the price of the property, facilitate the entry or reduce the total to be financed.
3. Financing for up to 35 years
The program allows the property value to be divided into up to 420 months (35 years). This makes the installments smoother and fits better into the budget of those who need to plan for the long term.
4. Using FGTS as a down payment
Who has a balance in Severance Pay Guarantee Fund (FGTS) You can use it as part of the down payment or even to pay off the financed amount.
Learn how to use your FGTS to finance real estate
5. Ease for single-person families
Unlike previous versions, now the program also includes people who live alone, the calls single-person familiesThis makes access more democratic and fair.
6. Properties in strategic locations
The new version of the program prioritizes projects in urban areas closest to shops, schools and public transport, focusing on urban mobility and quality of life.
7. Exemption from notary fees (for band 1)
Another positive point is that for families in the band 1 (up to R$ 2,640 of income), the program exempts payment of ITBI and notary fees, which generates significant savings at the time of purchase.
8. Service throughout Brazil
Minha Casa Minha Vida is present in all states, with thousands of properties available in large, medium and small cities.
You can search for units with local councils or directly with partner construction companies, like MRV.
What are the income brackets and how do they influence?
The benefits vary depending on your income bracket. Here's how it works in 2025:
Track 1
Gross Monthly Family Income: up to R$1,640
Benefits: higher subsidy, lower interest, exemption from fees
Track 2
Gross Monthly Family Income: up to R$1,400
Benefits: intermediate subsidy and good rates
Track 3
Gross Monthly Family Income: up to R$1,000,000
Benefits: competitive interest rates, but without subsidies
Extra Benefits of the Program
In addition to the main benefits, Minha Casa Minha Vida offers indirect advantages that make all the difference in the long run:
- Legal security with contracts made with Caixa Econômica Federal
- Technical assistance from the construction company during construction
- Access to properties with modern infrastructure, in gated communities or houses with backyards
- Property appreciation over time
How to take advantage of all the benefits of the program?
To ensure all this, it is essential make your registration correctly and keep your data up to date. The ideal is:
- To be with Updated CadÚnico;
- Simulate your financing on the Caixa website;
- Gather documents and search for a city hall, housing department or partner construction company in your city
Conclusion
The program My House My Life is, without a doubt, the greatest ally for those who want to stop renting and acquire your own property in 2025.
With generous subsidies, low interest rates, easy installments and several exclusive benefits, the dream of owning your own home is closer than ever.
Access the official links, find out about the developments available in your region and take advantage of all the benefits and advantages of the program to transform your future.
Frequently Asked Questions about Program Benefits and Advantages
1. Does the program still offer subsidy in 2025?
Yes. Families in bands 1 and 2 can receive up to R$47,000 in subsidies, depending on income and location.
2. What is the difference between this program and the old Casa Verde e Amarela?
Minha Casa Minha Vida expanded income brackets, brought improvements to the location of properties and once again offered more subsidies.
3. Do I need to make a deposit to purchase the property?
Yes, but it is possible to use the FGTS and the program's own subsidy to reduce or cover this amount.
4. Can people who live alone participate?
Yes, you can. Single-person families are accepted in all three bands of the program.
5. Can I finance properties from any construction company?
No. Only construction companies accredited by Caixa can offer properties through the program.