Applications
17/10/2025
Making life easier for civil servants in my house my life.
O My House My Life program is one of the largest housing initiatives of the Federal Government, created to facilitate the access to decent housing for low- and middle-income Brazilian families.
For public servants, The program offers even more advantageous conditions, This will help you achieve your dream home safely and economically.
First of all, one of the biggest advantages is the access to lower interest rates.
While traditional real estate financing tends to have high interest rates, Minha Casa Minha Vida offers reduced percentages, This makes paying the installments more affordable.
In addition, the program guarantees subsidies and discounts in the total value of the property, according to the income bracket of the public servant.
This means that the property can leave significantly cheaper than in the conventional market.
Often, the biggest barrier to home ownership is mortgage credit. The program simplifies this process by offering:
Accessible credit lines
Extended payment terms
Special conditions for civil servants
📌 Important: in order to access the benefits, the civil servant must proof of income e not owning their own property.
To participate, public servants must meet the following requirements basic requirements:
Have between 18 and 65
Be Brazilian or foreigner with permanent residence
Not owning property on your behalf
Have not participated in another housing program government
In addition, it is essential to check the income bracket corresponding to your profile. The program is divided into bands, each with specific benefits.
The civil servant needs to gather and present the complete documentation, including:
ID and CPF
Proof of residence
Latest payslips
Income Tax Return (if applicable)
Proof of marital status
Declaration of employment or work permit
With these documents in hand, the interested party should go to a partner financial institution of the program, such as:
Federal Savings Bank
Bank of Brazil
These institutions credit analysis and, after approval, the server can start the process of acquiring the property.
Because of job and income stability, servers usually have easier approval in the program, as well as:
Lower interest rates
Extended installment plan
Differentiated entry conditions
However, it is essential to maintain financial organization and respect the deadlines and guidelines throughout the process.
If you are a civil servant and want to make the most of the My House My Life, Follow the tips below:
First of all, get to know the program rules. This avoids surprises and speeds up the approval of your application.
The program's official website provides a simulator which can be calculated:
Estimated value of installments
Interest rates
Benefits based on your income
Before closing the deal, it is crucial to check that the property is regularized, without any legal issues, debts or structural problems.
Organize your budget and assess whether the amount of the installments will be compatible with your monthly income. Avoid committing more than 30% of net income.
As a server, you have exclusive advantages. Negotiate with financial institutions and use all the facilities available, Such as longer terms and subsidies.
O Minha Casa Minha Vida program for civil servants is a real and advantageous opportunity for those who want to buy their first property safely, economically and with peace of mind.
If you are a server, be sure to evaluate your profile and simulate your financing. With planning, organization and the right information, the dream of home ownership is within reach.
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