{"id":12173,"date":"2025-06-05T18:37:05","date_gmt":"2025-06-05T18:37:05","guid":{"rendered":"https:\/\/jornal365.com.br\/?p=12173"},"modified":"2025-12-26T03:42:14","modified_gmt":"2025-12-26T03:42:14","slug":"quer-comprar-um-imovel-barato","status":"publish","type":"post","link":"https:\/\/jornal365.com.br\/cs\/beneficios\/quer-comprar-um-imovel-barato\/","title":{"rendered":"Chcete si koupit levnou nemovitost? Pochopte, jak funguje Minha Casa Minha Vida"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"12173\" class=\"elementor elementor-12173\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a8a69c e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"6a8a69c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fa240ff elementor-widget elementor-widget-html\" data-id=\"fa240ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"ad-label\" style=\"font-size:10px;text-align:center;color:#000;\">Inzer\u00e1ty<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40f89a4 elementor-widget elementor-widget-text-editor\" data-id=\"40f89a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Vlastn\u00ed bydlen\u00ed je snem tis\u00edc\u016f Brazilc\u016f. Uprost\u0159ed vysok\u00fdch \u00farokov\u00fdch sazeb, byrokracie a dlouh\u00fdch lh\u016ft financov\u00e1n\u00ed se v\u0161ak tento sen \u010dasto zd\u00e1 b\u00fdt vzd\u00e1len\u00fd. A pr\u00e1v\u011b tady <strong data-start=\"586\" data-end=\"617\">M\u016fj d\u016fm, m\u016fj \u017eivot 2025<\/strong>, Program se vr\u00e1til v pln\u00e9 s\u00edle a je p\u0159\u00edstupn\u011bj\u0161\u00ed ne\u017e kdykoli p\u0159edt\u00edm - v\u010detn\u011b pro <strong data-start=\"709\" data-end=\"725\">st\u0159edn\u00ed t\u0159\u00edda<\/strong>.<\/p><h2 data-start=\"942\" data-end=\"980\">Co je Minha Casa, Minha Vida?<\/h2><p data-start=\"982\" data-end=\"1321\">Minha Casa, Minha Vida je program bydlen\u00ed, kter\u00fd vytvo\u0159ila feder\u00e1ln\u00ed vl\u00e1da s c\u00edlem usnadnit rodin\u00e1m s n\u00edzk\u00fdmi a st\u0159edn\u00edmi p\u0159\u00edjmy po\u0159\u00edzen\u00ed vlastn\u00edho bydlen\u00ed. Prost\u0159ednictv\u00edm tohoto programu m\u016f\u017eete z\u00edskat <strong data-start=\"1192\" data-end=\"1217\">dotace (slevy)<\/strong> e <strong data-start=\"1220\" data-end=\"1260\">zvl\u00e1\u0161tn\u00ed podm\u00ednky financov\u00e1n\u00ed<\/strong>, jako nap\u0159. <strong data-start=\"1267\" data-end=\"1286\">sn\u00ed\u017een\u00e9 \u00farokov\u00e9 sazby<\/strong> e <strong data-start=\"1289\" data-end=\"1320\">del\u0161\u00ed platebn\u00ed podm\u00ednky<\/strong>.<\/p><p data-start=\"1323\" data-end=\"1474\">Program provozuj\u00ed p\u0159edev\u0161\u00edm <strong data-start=\"1364\" data-end=\"1391\">Federal Savings Bank<\/strong> e <strong data-start=\"1394\" data-end=\"1413\">Brazilsk\u00e1 banka<\/strong>, s podporou obc\u00ed, st\u00e1t\u016f a partnersk\u00fdch stavebn\u00edch firem.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b1a03df e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"b1a03df\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e689954 elementor-widget elementor-widget-text-editor\" data-id=\"e689954\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"1481\" data-end=\"1533\">P\u0159\u00edjmov\u00e1 p\u00e1sma: zjist\u011bte, kam pat\u0159\u00edte<\/h2><p data-start=\"1535\" data-end=\"1611\">Program byl v roce 2025 p\u0159eformulov\u00e1n a nyn\u00ed zahrnuje \u010dty\u0159i p\u0159\u00edjmov\u00e9 skupiny:<\/p><ul data-start=\"1613\" data-end=\"1988\"><li data-start=\"1613\" data-end=\"1691\"><p data-start=\"1615\" data-end=\"1691\"><strong data-start=\"1615\" data-end=\"1626\">Skladba 1<\/strong> - do R$ 2 640: vy\u0161\u0161\u00ed dotace a \u00faroky od 4% ro\u010dn\u011b.<\/p><\/li><li data-start=\"1692\" data-end=\"1772\"><p data-start=\"1694\" data-end=\"1772\"><strong data-start=\"1694\" data-end=\"1705\">Skladba 2<\/strong> - z 2 640,01 R$ na 4 400 R$: pr\u016fm\u011brn\u00e9 dotace a sn\u00ed\u017een\u00e9 \u00faroky.<\/p><\/li><li data-start=\"1773\" data-end=\"1862\"><p data-start=\"1775\" data-end=\"1862\"><strong data-start=\"1775\" data-end=\"1786\">Skladba 3<\/strong> - od 4 400,01 R$ do 8 000 R$: ni\u017e\u0161\u00ed dotace, ale st\u00e1le dobr\u00e9 sazby.<\/p><\/li><li data-start=\"1863\" data-end=\"1988\"><p data-start=\"1865\" data-end=\"1988\"><strong data-start=\"1865\" data-end=\"1876\">Skladba 4<\/strong> - od 8 000,01 R$ do 12 000 R$: nov\u00e1 kategorie ur\u010den\u00e1 pro st\u0159edn\u00ed t\u0159\u00eddu s financov\u00e1n\u00edm a\u017e do v\u00fd\u0161e 500 tis\u00edc R$.<\/p><\/li><\/ul><p data-start=\"1990\" data-end=\"2061\"><strong data-start=\"1993\" data-end=\"2061\">\u010c\u00edm ni\u017e\u0161\u00ed je p\u0159\u00edjem, t\u00edm v\u011bt\u0161\u00ed je sleva z kone\u010dn\u00e9 hodnoty nemovitosti.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8b84aa1 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"8b84aa1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-72fdf68 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"72fdf68\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e4ca45d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"e4ca45d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-dc62949 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"dc62949\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38f8ea0 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"38f8ea0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/jornal365.com.br\/cs\/zamestnani\/jak-koupit-nemovitost\/\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"280\" src=\"https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/06\/Captura-de-tela-2025-06-05-162032-300x280.png\" class=\"attachment-medium size-medium wp-image-12209\" alt=\"\" srcset=\"https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/06\/Captura-de-tela-2025-06-05-162032-300x280.png 300w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/06\/Captura-de-tela-2025-06-05-162032-13x12.png 13w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/06\/Captura-de-tela-2025-06-05-162032.png 446w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e04ef9 elementor-widget elementor-widget-text-editor\" data-id=\"2e04ef9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>POU\u017dIT\u00cd SIMUL\u00c1TORU<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad53af7 elementor-widget elementor-widget-heading\" data-id=\"ad53af7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/jornal365.com.br\/cs\/zamestnani\/jak-koupit-nemovitost\/\">Kalkula\u010dka<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f907aef elementor-widget elementor-widget-button\" data-id=\"f907aef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jornal365.com.br\/cs\/zamestnani\/jak-koupit-nemovitost\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">POD\u00cdVEJTE SE TE\u010e<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-668716f e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"668716f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f9dde6 elementor-widget elementor-widget-text-editor\" data-id=\"4f9dde6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"2068\" data-end=\"2094\">Co se zm\u011bnilo v roce 2025?<\/h2><p data-start=\"2096\" data-end=\"2172\">Leto\u0161n\u00ed zm\u011bny zatraktivnily a roz\u0161\u00ed\u0159ily program:<\/p><ul data-start=\"2174\" data-end=\"2508\"><li data-start=\"2174\" data-end=\"2236\"><p data-start=\"2176\" data-end=\"2236\">Zahrnut\u00ed <strong data-start=\"2188\" data-end=\"2204\">st\u0159edn\u00ed t\u0159\u00edda<\/strong>, s nov\u00fdmi limity a podm\u00ednkami.<\/p><\/li><li data-start=\"2237\" data-end=\"2297\"><p data-start=\"2239\" data-end=\"2297\">Financov\u00e1n\u00ed nemovitost\u00ed <strong data-start=\"2267\" data-end=\"2285\">do R$ 500 tis\u00edc<\/strong> na trati 4.<\/p><\/li><li data-start=\"2298\" data-end=\"2368\"><p data-start=\"2300\" data-end=\"2368\"><strong data-start=\"2300\" data-end=\"2333\">\u00darok mezi 4% a 10,5% ro\u010dn\u011b<\/strong>, To je v\u00fdrazn\u011b pod pr\u016fm\u011brem trhu.<\/p><\/li><li data-start=\"2369\" data-end=\"2438\"><p data-start=\"2371\" data-end=\"2438\">Roz\u0161\u00ed\u0159en\u00ed nab\u00eddky: v\u00edce ne\u017e <strong data-start=\"2400\" data-end=\"2437\">120 000 nov\u00fdch jednotek jen v roce 2025<\/strong>.<\/p><\/li><li data-start=\"2439\" data-end=\"2508\"><p data-start=\"2441\" data-end=\"2508\">V\u011bt\u0161\u00ed transparentnost a digit\u00e1ln\u00ed p\u0159\u00edstup k registraci a monitorov\u00e1n\u00ed.<\/p><\/li><\/ul><p data-start=\"2510\" data-end=\"2629\">Tyto modernizace umo\u017e\u0148uj\u00ed mnoha dal\u0161\u00edm Brazilc\u016fm p\u0159estat si pronaj\u00edmat nemovitost a koupit si ji. <strong data-start=\"2610\" data-end=\"2628\">ani\u017e byste zaplatili p\u0159\u00edli\u0161 mnoho<\/strong>.<\/p><h2 data-start=\"2636\" data-end=\"2681\">Kolik mohu s dotac\u00ed u\u0161et\u0159it?<\/h2><p data-start=\"2683\" data-end=\"2836\">To z\u00e1vis\u00ed na va\u0161em p\u0159\u00edjmu, m\u00edst\u011b, po\u010dtu vy\u017eivovan\u00fdch osob a hodnot\u011b nemovitosti. Ale <strong data-start=\"2771\" data-end=\"2809\">slevy mohou dos\u00e1hnout a\u017e 55 000 R$<\/strong>, v z\u00e1vislosti na va\u0161em profilu.<\/p><p data-start=\"2838\" data-end=\"2975\">Abychom v\u00e1m pomohli, vytvo\u0159ili jsme <strong data-start=\"2869\" data-end=\"2905\">bezplatn\u00e1 kalkula\u010dka p\u0159\u00edsp\u011bvk\u016f<\/strong>. Pomoc\u00ed n\u011bj m\u016f\u017eete simulovat, kolik z\u00edsk\u00e1te z hypot\u00e9ky:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-32d148b e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"32d148b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9c1e33d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"9c1e33d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-36de841 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"36de841\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e99a328 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"e99a328\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ea5ed46 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"ea5ed46\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f3912de e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"f3912de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c09c803 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"c09c803\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/jornal365.com.br\/cs\/zamestnani\/jak-koupit-nemovitost\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/06\/maxresdefault-300x169.jpg\" class=\"attachment-medium size-medium wp-image-12215\" alt=\"\" srcset=\"https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/06\/maxresdefault-300x169.jpg 300w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/06\/maxresdefault-1024x576.jpg 1024w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/06\/maxresdefault-768x432.jpg 768w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/06\/maxresdefault-18x10.jpg 18w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/06\/maxresdefault.jpg 1280w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08197fa elementor-widget elementor-widget-text-editor\" data-id=\"08197fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Mohu si koupit nemovitost bez z\u00e1lohy?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce4e980 elementor-widget elementor-widget-heading\" data-id=\"ce4e980\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ofici\u00e1ln\u00ed port\u00e1l<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7973d97 elementor-widget elementor-widget-button\" data-id=\"7973d97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jornal365.com.br\/cs\/zamestnani\/jak-koupit-nemovitost\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">POD\u00cdVEJTE SE TE\u010e<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4eb65de e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"4eb65de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb5aec3 elementor-widget elementor-widget-text-editor\" data-id=\"bb5aec3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"3066\" data-end=\"3119\">Kdo se m\u016f\u017ee z\u00fa\u010dastnit projektu Minha Casa, Minha Vida?<\/h2><ul data-start=\"3121\" data-end=\"3402\"><li data-start=\"3121\" data-end=\"3171\"><p data-start=\"3123\" data-end=\"3171\">Rodiny s <strong data-start=\"3136\" data-end=\"3170\">p\u0159\u00edjem a\u017e 12 000 R$ m\u011bs\u00ed\u010dn\u011b.<\/strong>.<\/p><\/li><li data-start=\"3172\" data-end=\"3220\"><p data-start=\"3174\" data-end=\"3220\">Lid\u00e9, kte\u0159\u00ed <strong data-start=\"3186\" data-end=\"3219\">nemaj\u00ed nemovitost na sv\u00e9 jm\u00e9no<\/strong>.<\/p><\/li><li data-start=\"3221\" data-end=\"3283\"><p data-start=\"3223\" data-end=\"3283\">Kdo <strong data-start=\"3228\" data-end=\"3271\">nikdy ne\u010derpali p\u0159\u00edsp\u011bvky na bydlen\u00ed<\/strong> p\u0159edchoz\u00ed.<\/p><\/li><li data-start=\"3284\" data-end=\"3348\"><p data-start=\"3286\" data-end=\"3348\">Brazilci nebo cizinci s trval\u00fdm pobytem v zemi.<\/p><\/li><li data-start=\"3349\" data-end=\"3402\"><p data-start=\"3351\" data-end=\"3402\">Mus\u00edte b\u00fdt star\u0161\u00ed 18 let nebo emancipovan\u00ed.<\/p><\/li><\/ul><p data-start=\"3404\" data-end=\"3470\">Pokud spl\u0148ujete tato krit\u00e9ria, m\u016f\u017eete p\u0159istoupit k dal\u0161\u00edmu kroku.<\/p><h2 data-start=\"3477\" data-end=\"3501\">Jak se p\u0159ihl\u00e1sit?<\/h2><ol data-start=\"3503\" data-end=\"3898\"><li data-start=\"3503\" data-end=\"3541\"><p data-start=\"3506\" data-end=\"3541\"><strong data-start=\"3506\" data-end=\"3541\">Zjist\u011bte, v jak\u00e9 p\u0159\u00edjmov\u00e9 skupin\u011b se nach\u00e1z\u00edte.<\/strong><\/p><\/li><li data-start=\"3542\" data-end=\"3610\"><p data-start=\"3545\" data-end=\"3610\">Odd\u011blte dokumenty: Odd\u011blte doklady toto\u017enosti, CPF, doklady o p\u0159\u00edjmu a bydli\u0161ti.<\/p><\/li><li data-start=\"3611\" data-end=\"3757\"><p data-start=\"3614\" data-end=\"3757\">Nav\u0161tivte <strong data-start=\"3631\" data-end=\"3659\">va\u0161e radnice<\/strong> (pro skladby 1 a 2) nebo p\u0159ejd\u011bte rovnou na str\u00e1nku <strong data-start=\"3704\" data-end=\"3713\">Box<\/strong> nebo <strong data-start=\"3717\" data-end=\"3736\">Brazilsk\u00e1 banka<\/strong> (pro skladby 3 a 4).<\/p><\/li><li data-start=\"3758\" data-end=\"3809\"><p data-start=\"3761\" data-end=\"3809\">Po\u017e\u00e1dejte o \u00fav\u011br a po\u010dkejte na jeho anal\u00fdzu.<\/p><\/li><li data-start=\"3810\" data-end=\"3898\"><p data-start=\"3813\" data-end=\"3898\">V p\u0159\u00edpad\u011b schv\u00e1len\u00ed si vyberte nemovitost v r\u00e1mci krit\u00e9ri\u00ed programu a podepi\u0161te smlouvu.<\/p><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-78fa2c4 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"78fa2c4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ccaf9ee e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"ccaf9ee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5fbd50b e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"5fbd50b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-586e3b9 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"586e3b9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ac43a75 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"ac43a75\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97439ec elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"97439ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/jornal365.com.br\/cs\/zamestnani\/jak-koupit-nemovitost\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/06\/maxresdefault-300x169.jpg\" class=\"attachment-medium size-medium wp-image-12215\" alt=\"\" srcset=\"https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/06\/maxresdefault-300x169.jpg 300w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/06\/maxresdefault-1024x576.jpg 1024w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/06\/maxresdefault-768x432.jpg 768w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/06\/maxresdefault-18x10.jpg 18w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/06\/maxresdefault.jpg 1280w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9188ed5 elementor-widget elementor-widget-text-editor\" data-id=\"9188ed5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Mohu si koupit nemovitost bez z\u00e1lohy?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-559328a elementor-widget elementor-widget-heading\" data-id=\"559328a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ofici\u00e1ln\u00ed port\u00e1l<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53fce92 elementor-widget elementor-widget-button\" data-id=\"53fce92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jornal365.com.br\/cs\/zamestnani\/jak-koupit-nemovitost\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">POD\u00cdVEJTE SE TE\u010e<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5097c47 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"5097c47\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4dce69a elementor-widget elementor-widget-text-editor\" data-id=\"4dce69a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"3905\" data-end=\"3919\">Z\u00e1v\u011br<\/h2><p data-start=\"3921\" data-end=\"4128\">Minha Casa, Minha Vida 2025 p\u0159edstavuje... <strong data-start=\"3966\" data-end=\"3989\">skv\u011bl\u00e1 p\u0159\u00edle\u017eitost<\/strong> pro ty, kte\u0159\u00ed cht\u011bj\u00ed koupit nemovitost za zvl\u00e1\u0161tn\u00edch podm\u00ednek, platit ni\u017e\u0161\u00ed \u00faroky a po\u010d\u00edtat s dotacemi, kter\u00e9 <strong data-start=\"4093\" data-end=\"4127\">v\u00fdrazn\u011b sn\u00ed\u017eit kone\u010dnou hodnotu<\/strong>.<\/p><p data-start=\"4130\" data-end=\"4253\">Neztr\u00e1cejte \u010das. Pou\u017eijte simul\u00e1tor, zjist\u011bte, kolik m\u016f\u017eete u\u0161et\u0159it, a ud\u011blejte dal\u0161\u00ed krok s v\u011bdom\u00edm a pl\u00e1nov\u00e1n\u00edm.<\/p><p data-start=\"4130\" data-end=\"4253\">\ud83d\udc49 Sledujte\u00a0<a href=\"https:\/\/jornal365.com.br\/cs\/\">blog<\/a>\u00a0pro dal\u0161\u00ed \u010dl\u00e1nky o\u00a0<a href=\"https:\/\/www.instagram.com\/jornal.365\/\" target=\"_blank\" rel=\"noopener\">Noviny 365.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>An\u00fancio Conquistar a casa pr\u00f3pria \u00e9 o sonho de milhares de brasileiros. Mas em meio a juros altos, burocracias e financiamentos longos, esse sonho muitas vezes parece distante. \u00c9 a\u00ed que entra o Minha Casa, Minha Vida 2025, programa que voltou com for\u00e7a total e est\u00e1 mais acess\u00edvel do que nunca \u2014 inclusive para a classe m\u00e9dia. O que \u00e9 o Minha Casa, Minha Vida? O Minha Casa, Minha Vida \u00e9 um programa habitacional criado pelo governo federal com o objetivo de facilitar a aquisi\u00e7\u00e3o da casa pr\u00f3pria para fam\u00edlias de baixa e m\u00e9dia renda. Por meio dele, \u00e9 poss\u00edvel conseguir subs\u00eddios (descontos) e condi\u00e7\u00f5es de financiamento especiais, como juros reduzidos e prazos maiores de pagamento. O programa \u00e9 operado principalmente pela Caixa Econ\u00f4mica Federal e Banco do Brasil, com apoio de prefeituras, estados e construtoras parceiras. Faixas de renda: descubra onde voc\u00ea se encaixa O programa foi reformulado em 2025 e agora contempla quatro faixas de renda: Faixa 1 \u2013 at\u00e9 R$ 2.640: maiores subs\u00eddios e juros a partir de 4% ao ano. Faixa 2 \u2013 de R$ 2.640,01 at\u00e9 R$ 4.400: subs\u00eddios m\u00e9dios e juros reduzidos. Faixa 3 \u2013 de R$ 4.400,01 at\u00e9 R$ 8.000: menores subs\u00eddios, mas ainda com boas taxas. Faixa 4 \u2013 de R$ 8.000,01 at\u00e9 R$ 12.000: nova categoria que atende a classe m\u00e9dia, com financiamentos de at\u00e9 R$ 500 mil. Quanto menor a renda, maior o desconto no valor final do im\u00f3vel. USE O SIMULADOR Calculadora VER AGORA O que mudou em 2025? As mudan\u00e7as feitas neste ano tornaram o programa mais atrativo e abrangente: Inclus\u00e3o da classe m\u00e9dia, com novos limites e condi\u00e7\u00f5es. Financiamento de im\u00f3veis de at\u00e9 R$ 500 mil na Faixa 4. Juros entre 4% e 10,5% ao ano, muito abaixo da m\u00e9dia do mercado. Amplia\u00e7\u00e3o da oferta: mais de 120 mil novas unidades s\u00f3 em 2025. Mais transpar\u00eancia e acesso digital para cadastro e acompanhamento. Essas atualiza\u00e7\u00f5es permitem que muito mais brasileiros consigam sair do aluguel e comprar um im\u00f3vel sem pagar caro. Quanto posso economizar com o subs\u00eddio? Isso depende da sua renda, localiza\u00e7\u00e3o, n\u00famero de dependentes e valor do im\u00f3vel. Mas os descontos podem chegar a R$ 55.000, dependendo do seu perfil. Para te ajudar, criamos uma calculadora de subs\u00eddio gratuita. Com ela, voc\u00ea pode simular quanto ter\u00e1 de desconto no financiamento: Consigo Comprar um Im\u00f3vel Sem Entrada? Portal Oficail VER AGORA Quem pode participar do Minha Casa, Minha Vida? Fam\u00edlias com renda de at\u00e9 R$ 12.000 por m\u00eas. Pessoas que n\u00e3o tenham im\u00f3vel em seu nome. Quem nunca utilizou benef\u00edcios habitacionais anteriores. Brasileiros ou estrangeiros com resid\u00eancia permanente no pa\u00eds. \u00c9 necess\u00e1rio ter mais de 18 anos ou ser emancipado. Se voc\u00ea se enquadra nesses crit\u00e9rios, j\u00e1 pode dar o pr\u00f3ximo passo. Como se inscrever? Identifique sua faixa de renda. Separe os documentos: RG, CPF, comprovante de renda e resid\u00eancia. Acesse o site da prefeitura da sua cidade (para Faixas 1 e 2) ou v\u00e1 direto ao site da Caixa ou Banco do Brasil (para Faixas 3 e 4). Fa\u00e7a a inscri\u00e7\u00e3o e aguarde a an\u00e1lise de cr\u00e9dito. Caso aprovado, escolha o im\u00f3vel dentro dos crit\u00e9rios do programa e assine o contrato. Consigo Comprar um Im\u00f3vel Sem Entrada? Portal Oficail VER AGORA Conclus\u00e3o O Minha Casa, Minha Vida 2025 representa uma grande oportunidade para quem quer comprar um im\u00f3vel com condi\u00e7\u00f5es especiais, pagar menos juros e contar com subs\u00eddios que reduzem bastante o valor final. N\u00e3o perca tempo. Use o simulador, descubra quanto voc\u00ea pode economizar e d\u00ea o pr\u00f3ximo passo com consci\u00eancia e planejamento. \ud83d\udc49 Fique de olho aqui no\u00a0blog\u00a0para os pr\u00f3ximos artigos no\u00a0Jornal 365.<\/p>","protected":false},"author":1,"featured_media":12174,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"googlesitekit_rrm_CAow2qXbCw:productID":"","neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","footnotes":""},"categories":[10],"tags":[],"post_folder":[],"class_list":["post-12173","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-beneficios"],"_links":{"self":[{"href":"https:\/\/jornal365.com.br\/cs\/wp-json\/wp\/v2\/posts\/12173","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jornal365.com.br\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jornal365.com.br\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/cs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/cs\/wp-json\/wp\/v2\/comments?post=12173"}],"version-history":[{"count":3,"href":"https:\/\/jornal365.com.br\/cs\/wp-json\/wp\/v2\/posts\/12173\/revisions"}],"predecessor-version":[{"id":17549,"href":"https:\/\/jornal365.com.br\/cs\/wp-json\/wp\/v2\/posts\/12173\/revisions\/17549"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/cs\/wp-json\/wp\/v2\/media\/12174"}],"wp:attachment":[{"href":"https:\/\/jornal365.com.br\/cs\/wp-json\/wp\/v2\/media?parent=12173"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jornal365.com.br\/cs\/wp-json\/wp\/v2\/categories?post=12173"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jornal365.com.br\/cs\/wp-json\/wp\/v2\/tags?post=12173"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/jornal365.com.br\/cs\/wp-json\/wp\/v2\/post_folder?post=12173"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}