{"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":"mochten-sie-eine-gunstige-immobilie-kaufen","status":"publish","type":"post","link":"https:\/\/jornal365.com.br\/de\/beneficios\/quer-comprar-um-imovel-barato\/","title":{"rendered":"M\u00f6chten Sie eine g\u00fcnstige Immobilie kaufen? Verstehen Sie, wie Minha Casa Minha Vida funktioniert"},"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;\">Inserate<\/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>Die Verwirklichung des Traums vom Eigenheim ist der Traum von Tausenden Brasilianern. Doch inmitten hoher Zinsen, B\u00fcrokratien und langer Finanzierungen erscheint dieser Traum oft unerreichbar. Genau hier kommt das <strong data-start=\"586\" data-end=\"617\">Mein Zuhause, mein Leben 2025<\/strong>, ein Programm, das mit voller Wucht zur\u00fcck ist und zug\u00e4nglicher ist denn je \u2014 selbst f\u00fcr die <strong data-start=\"709\" data-end=\"725\">Mittelschicht<\/strong>.<\/p><h2 data-start=\"942\" data-end=\"980\">Was ist Minha Casa, Minha Vida?<\/h2><p data-start=\"982\" data-end=\"1321\">Das Programm \u201eMinha Casa, Minha Vida\u201c ist ein vom Bund ins Leben gerufenes Wohnungsbauprogramm mit dem Ziel, Familien mit niedrigem und mittlerem Einkommen den Erwerb von Wohneigentum zu erleichtern. Durch dieses ist es m\u00f6glich, <strong data-start=\"1192\" data-end=\"1217\">Zusch\u00fcsse (Rabatte)<\/strong> e <strong data-start=\"1220\" data-end=\"1260\">besondere Finanzierungsbedingungen<\/strong>, wie <strong data-start=\"1267\" data-end=\"1286\">reduzierte Zinsen<\/strong> e <strong data-start=\"1289\" data-end=\"1320\">l\u00e4ngere Zahlungsziele<\/strong>.<\/p><p data-start=\"1323\" data-end=\"1474\">Das Programm wird haupts\u00e4chlich betrieben von <strong data-start=\"1364\" data-end=\"1391\">Caixa Econ\u00f4mica Federal<\/strong> e <strong data-start=\"1394\" data-end=\"1413\">Banco do Brasil<\/strong>, mit Unterst\u00fctzung von Stadtverwaltungen, Bundesl\u00e4ndern und Partnerbaufirmen.<\/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\">Einkommensklassen: Finden Sie heraus, wo Sie sich einordnen<\/h2><p data-start=\"1535\" data-end=\"1611\">Das Programm wurde 2025 \u00fcberarbeitet und umfasst nun vier Einkommensklassen:<\/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\">Titel 1<\/strong> \u2013 bis R$ 2.640: h\u00f6here Zusch\u00fcsse und Zinsen ab 4% pro Jahr.<\/p><\/li><li data-start=\"1692\" data-end=\"1772\"><p data-start=\"1694\" data-end=\"1772\"><strong data-start=\"1694\" data-end=\"1705\">Titel 2<\/strong> \u2013 von R$ 2.640,01 bis R$ 4.400: durchschnittliche Zusch\u00fcsse und reduzierte Zinsen.<\/p><\/li><li data-start=\"1773\" data-end=\"1862\"><p data-start=\"1775\" data-end=\"1862\"><strong data-start=\"1775\" data-end=\"1786\">Titel 3<\/strong> \u2013 von R$ 4.400,01 bis R$ 8.000: geringere Zusch\u00fcsse, aber immer noch gute Zinss\u00e4tze.<\/p><\/li><li data-start=\"1863\" data-end=\"1988\"><p data-start=\"1865\" data-end=\"1988\"><strong data-start=\"1865\" data-end=\"1876\">Titel 4<\/strong> \u2013 von R$ 8.000,01 bis R$ 12.000: eine neue Kategorie f\u00fcr die Mittelschicht mit Finanzierungen von bis zu R$ 500.000.<\/p><\/li><\/ul><p data-start=\"1990\" data-end=\"2061\"><strong data-start=\"1993\" data-end=\"2061\">Je geringer das Einkommen, desto gr\u00f6\u00dfer ist der Rabatt auf den Endpreis der Immobilie.<\/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\/de\/beschaftigung\/como-comprar-um-imovel\/\">\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>VERWENDEN SIE DEN SIMULATOR<\/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\/de\/beschaftigung\/como-comprar-um-imovel\/\">Taschenrechner<\/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\/de\/beschaftigung\/como-comprar-um-imovel\/\">\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\">JETZT WATCHEN<\/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\">Was hat sich 2025 ge\u00e4ndert?<\/h2><p data-start=\"2096\" data-end=\"2172\">Die in diesem Jahr vorgenommenen \u00c4nderungen haben das Programm attraktiver und umfassender gemacht:<\/p><ul data-start=\"2174\" data-end=\"2508\"><li data-start=\"2174\" data-end=\"2236\"><p data-start=\"2176\" data-end=\"2236\">Einbezogen <strong data-start=\"2188\" data-end=\"2204\">Mittelschicht<\/strong>, mit neuen Grenzen und Bedingungen.<\/p><\/li><li data-start=\"2237\" data-end=\"2297\"><p data-start=\"2239\" data-end=\"2297\">Immobilienfinanzierung von <strong data-start=\"2267\" data-end=\"2285\">bis zu R$ 500.000<\/strong> in Spur 4.<\/p><\/li><li data-start=\"2298\" data-end=\"2368\"><p data-start=\"2300\" data-end=\"2368\"><strong data-start=\"2300\" data-end=\"2333\">Zinsen zwischen 4% und 10,5% pro Jahr<\/strong>, weit unter dem Marktdurchschnitt.<\/p><\/li><li data-start=\"2369\" data-end=\"2438\"><p data-start=\"2371\" data-end=\"2438\">Erweiterung des Angebots: mehr als <strong data-start=\"2400\" data-end=\"2437\">120 Millionen neue Einheiten allein im Jahr 2025<\/strong>.<\/p><\/li><li data-start=\"2439\" data-end=\"2508\"><p data-start=\"2441\" data-end=\"2508\">Mehr Transparenz und digitaler Zugang f\u00fcr Registrierung und Nachverfolgung.<\/p><\/li><\/ul><p data-start=\"2510\" data-end=\"2629\">Diese Aktualisierungen erm\u00f6glichen es viel mehr Brasilianern, der Miete zu entkommen und eine Immobilie zu kaufen. <strong data-start=\"2610\" data-end=\"2628\">ohne viel zu bezahlen<\/strong>.<\/p><h2 data-start=\"2636\" data-end=\"2681\">Wie viel kann ich mit dem Zuschuss sparen?<\/h2><p data-start=\"2683\" data-end=\"2836\">Das h\u00e4ngt von Ihrem Einkommen, Ihrem Wohnort, der Anzahl der Unterhaltsberechtigten und dem Wert der Immobilie ab. Aber die <strong data-start=\"2771\" data-end=\"2809\">Die Rabatte k\u00f6nnen bis zu R$ 55.000 betragen<\/strong>, abh\u00e4ngig von Ihrem Profil.<\/p><p data-start=\"2838\" data-end=\"2975\">Um dir zu helfen, haben wir eine <strong data-start=\"2869\" data-end=\"2905\">kostenloser Zuschussrechner<\/strong>. Damit k\u00f6nnen Sie simulieren, wie hoch Ihr Rabatt bei der Finanzierung sein wird:<\/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\/de\/beschaftigung\/como-comprar-um-imovel\/\">\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>Kann ich eine Immobilie ohne Eigenkapital kaufen?<\/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\">Offizielles Portal<\/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\/de\/beschaftigung\/como-comprar-um-imovel\/\">\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\">JETZT WATCHEN<\/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\">Wer kann am Programm Minha Casa, Minha Vida teilnehmen?<\/h2><ul data-start=\"3121\" data-end=\"3402\"><li data-start=\"3121\" data-end=\"3171\"><p data-start=\"3123\" data-end=\"3171\">Familien mit <strong data-start=\"3136\" data-end=\"3170\">Einkommen von bis zu R$ 12.000 pro Monat<\/strong>.<\/p><\/li><li data-start=\"3172\" data-end=\"3220\"><p data-start=\"3174\" data-end=\"3220\">Leute, die <strong data-start=\"3186\" data-end=\"3219\">keine Immobilie auf ihren Namen haben<\/strong>.<\/p><\/li><li data-start=\"3221\" data-end=\"3283\"><p data-start=\"3223\" data-end=\"3283\">Wer <strong data-start=\"3228\" data-end=\"3271\">hat nie Wohnbeihilfen in Anspruch genommen<\/strong> vorherige.<\/p><\/li><li data-start=\"3284\" data-end=\"3348\"><p data-start=\"3286\" data-end=\"3348\">Brasilianer oder Ausl\u00e4nder mit st\u00e4ndigem Wohnsitz im Land.<\/p><\/li><li data-start=\"3349\" data-end=\"3402\"><p data-start=\"3351\" data-end=\"3402\">Man muss \u00fcber 18 Jahre alt oder vollj\u00e4hrig sein.<\/p><\/li><\/ul><p data-start=\"3404\" data-end=\"3470\">Wenn Sie diese Kriterien erf\u00fcllen, k\u00f6nnen Sie bereits den n\u00e4chsten Schritt tun.<\/p><h2 data-start=\"3477\" data-end=\"3501\">Wie kann man sich anmelden?<\/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\">Geben Sie Ihre Einkommensklasse an.<\/strong><\/p><\/li><li data-start=\"3542\" data-end=\"3610\"><p data-start=\"3545\" data-end=\"3610\">Trennen Sie die Dokumente: Personalausweis, Steueridentifikationsnummer, Einkommens- und Adressnachweis.<\/p><\/li><li data-start=\"3611\" data-end=\"3757\"><p data-start=\"3614\" data-end=\"3757\">Besuchen Sie die <strong data-start=\"3631\" data-end=\"3659\">Stadtverwaltung Ihrer Stadt<\/strong> (f\u00fcr die Titel 1 und 2) oder gehen Sie direkt auf die Website der <strong data-start=\"3704\" data-end=\"3713\">Box<\/strong> oder <strong data-start=\"3717\" data-end=\"3736\">Banco do Brasil<\/strong> (f\u00fcr die Titel 3 und 4).<\/p><\/li><li data-start=\"3758\" data-end=\"3809\"><p data-start=\"3761\" data-end=\"3809\">Melden Sie sich an und warten Sie auf die Bonit\u00e4tspr\u00fcfung.<\/p><\/li><li data-start=\"3810\" data-end=\"3898\"><p data-start=\"3813\" data-end=\"3898\">Nach der Genehmigung w\u00e4hlen Sie die Immobilie im Rahmen der Programmkriterien aus und unterzeichnen den Vertrag.<\/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\/de\/beschaftigung\/como-comprar-um-imovel\/\">\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>Kann ich eine Immobilie ohne Eigenkapital kaufen?<\/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\">Offizielles Portal<\/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\/de\/beschaftigung\/como-comprar-um-imovel\/\">\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\">JETZT WATCHEN<\/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\">Schlussfolgerung<\/h2><p data-start=\"3921\" data-end=\"4128\">Das Minha Casa, Minha Vida 2025 stellt eine <strong data-start=\"3966\" data-end=\"3989\">gro\u00dfe Gelegenheit<\/strong> f\u00fcr alle, die eine Immobilie zu besonderen Konditionen kaufen, weniger Zinsen zahlen und von Zusch\u00fcssen profitieren m\u00f6chten, die <strong data-start=\"4093\" data-end=\"4127\">senken den Endbetrag deutlich<\/strong>.<\/p><p data-start=\"4130\" data-end=\"4253\">Verschwenden Sie keine Zeit. Nutzen Sie den Simulator, finden Sie heraus, wie viel Sie sparen k\u00f6nnen, und gehen Sie den n\u00e4chsten Schritt mit Bewusstsein und Planung.<\/p><p data-start=\"4130\" data-end=\"4253\">\ud83d\udc49 Behalten Sie ein Auge auf\u00a0<a href=\"https:\/\/jornal365.com.br\/de\/\">Blog<\/a>\u00a0f\u00fcr die n\u00e4chsten Artikel \u00fcber\u00a0<a href=\"https:\/\/www.instagram.com\/jornal.365\/\" target=\"_blank\" rel=\"noopener\">Zeitung 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\/de\/wp-json\/wp\/v2\/posts\/12173","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jornal365.com.br\/de\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jornal365.com.br\/de\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/de\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/de\/wp-json\/wp\/v2\/comments?post=12173"}],"version-history":[{"count":3,"href":"https:\/\/jornal365.com.br\/de\/wp-json\/wp\/v2\/posts\/12173\/revisions"}],"predecessor-version":[{"id":17549,"href":"https:\/\/jornal365.com.br\/de\/wp-json\/wp\/v2\/posts\/12173\/revisions\/17549"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/de\/wp-json\/wp\/v2\/media\/12174"}],"wp:attachment":[{"href":"https:\/\/jornal365.com.br\/de\/wp-json\/wp\/v2\/media?parent=12173"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jornal365.com.br\/de\/wp-json\/wp\/v2\/categories?post=12173"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jornal365.com.br\/de\/wp-json\/wp\/v2\/tags?post=12173"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/jornal365.com.br\/de\/wp-json\/wp\/v2\/post_folder?post=12173"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}