{"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":"zelite-li-kupiti-jeftinu-nekretninu","status":"publish","type":"post","link":"https:\/\/jornal365.com.br\/hr\/beneficios\/quer-comprar-um-imovel-barato\/","title":{"rendered":"\u017delite li kupiti pristupa\u010dnu nekretninu? Saznajte kako funkcionira program &#x27;Minha Casa Minha Vida&#x27;"},"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;\">Oglas<\/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>Posjedovanje doma san je tisu\u0107a Brazilaca. Ali s visokim kamatnim stopama, birokracijom i dugoro\u010dnim hipotekama, taj se san \u010desto \u010dini dalekom perspektivom. Tu na scenu stupa <strong data-start=\"586\" data-end=\"617\">Moj dom, moj \u017eivot 2025<\/strong>, program koji se vratio u punoj snazi i pristupa\u010dniji je nego ikad \u2014 uklju\u010duju\u0107i i za <strong data-start=\"709\" data-end=\"725\">srednja klasa<\/strong>.<\/p><h2 data-start=\"942\" data-end=\"980\">\u0160to je &#x27;Minha Casa, Minha Vida&#x27;?<\/h2><p data-start=\"982\" data-end=\"1321\">&#x27;Minha Casa, Minha Vida&#x27; je stambeni program koji je uspostavila savezna vlada s ciljem da se obiteljima s niskim i srednjim prihodima olak\u0161a kupnja vlastitog doma. Kroz ovaj program mogu\u0107e je dobiti <strong data-start=\"1192\" data-end=\"1217\">subvencije (popusti)<\/strong> e <strong data-start=\"1220\" data-end=\"1260\">posebni uvjeti financiranja<\/strong>, kao \u0161to su <strong data-start=\"1267\" data-end=\"1286\">smanjene kamatne stope<\/strong> e <strong data-start=\"1289\" data-end=\"1320\">du\u017ei rokovi pla\u0107anja<\/strong>.<\/p><p data-start=\"1323\" data-end=\"1474\">Programom uglavnom upravljaju <strong data-start=\"1364\" data-end=\"1391\">Caixa Econ\u00f4mica Federal<\/strong> e <strong data-start=\"1394\" data-end=\"1413\">Banco do Brasil<\/strong>, uz podr\u0161ku lokalnih vije\u0107a, regionalnih vlasti i partnerskih gra\u0111evinskih tvrtki.<\/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\">Porezni razredi: saznajte u koji spadate<\/h2><p data-start=\"1535\" data-end=\"1611\">Shema je temeljito preure\u0111ena 2025. godine i sada obuhva\u0107a \u010detiri razreda prihoda:<\/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\">Staza 1<\/strong> \u2013 do R$ 2.640: ve\u0107e subvencije i kamatne stope od 4% godi\u0161nje.<\/p><\/li><li data-start=\"1692\" data-end=\"1772\"><p data-start=\"1694\" data-end=\"1772\"><strong data-start=\"1694\" data-end=\"1705\">Staza 2<\/strong> \u2013 od R$ 2,640.01 do R$ 4,400: prosje\u010dne subvencije i smanjene kamatne stope.<\/p><\/li><li data-start=\"1773\" data-end=\"1862\"><p data-start=\"1775\" data-end=\"1862\"><strong data-start=\"1775\" data-end=\"1786\">Staza 3<\/strong> \u2013 od R$ 4.400,01 do R$ 8.000: ni\u017ee subvencije, ali i dalje po povoljnim stopama.<\/p><\/li><li data-start=\"1863\" data-end=\"1988\"><p data-start=\"1865\" data-end=\"1988\"><strong data-start=\"1865\" data-end=\"1876\">Staza 4<\/strong> \u2013 od R$ 8.000,01 do R$ 12.000: nova kategorija namijenjena srednjoj klasi, s zajmovima do R$ 500.000.<\/p><\/li><\/ul><p data-start=\"1990\" data-end=\"2061\"><strong data-start=\"1993\" data-end=\"2061\">\u0160to je prihod ni\u017ei, to je ve\u0107i popust na kona\u010dnu cijenu nekretnine.<\/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\/hr\/zaposlenje\/kako-kupiti-nekretninu\/\">\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>KORISTITE 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\/hr\/zaposlenje\/kako-kupiti-nekretninu\/\">Kalkulator<\/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\/hr\/zaposlenje\/kako-kupiti-nekretninu\/\">\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\">Gledajte sada<\/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\">\u0160to se promijenilo 2025.?<\/h2><p data-start=\"2096\" data-end=\"2172\">Promjene napravljene ove godine u\u010dinile su program privla\u010dnijim i sveobuhvatnijim:<\/p><ul data-start=\"2174\" data-end=\"2508\"><li data-start=\"2174\" data-end=\"2236\"><p data-start=\"2176\" data-end=\"2236\">Uklju\u010divanje <strong data-start=\"2188\" data-end=\"2204\">srednja klasa<\/strong>, s novim ograni\u010denjima i uvjetima.<\/p><\/li><li data-start=\"2237\" data-end=\"2297\"><p data-start=\"2239\" data-end=\"2297\">Financiranje nekretnina od <strong data-start=\"2267\" data-end=\"2285\">do R$ 500.000<\/strong> na stazi 4.<\/p><\/li><li data-start=\"2298\" data-end=\"2368\"><p data-start=\"2300\" data-end=\"2368\"><strong data-start=\"2300\" data-end=\"2333\">Kamatne stope u rasponu od 41 TP3T do 10,51 TP3T godi\u0161nje<\/strong>, znatno ispod tr\u017ei\u0161nog prosjeka.<\/p><\/li><li data-start=\"2369\" data-end=\"2438\"><p data-start=\"2371\" data-end=\"2438\">Pro\u0161irenje asortimana: vi\u0161e od <strong data-start=\"2400\" data-end=\"2437\">120.000 novih jedinica samo u 2025.<\/strong>.<\/p><\/li><li data-start=\"2439\" data-end=\"2508\"><p data-start=\"2441\" data-end=\"2508\">Ve\u0107a transparentnost i digitalni pristup za registraciju i pra\u0107enje.<\/p><\/li><\/ul><p data-start=\"2510\" data-end=\"2629\">Ove promjene zna\u010de da znatno vi\u0161e Brazilaca mo\u017ee prestati iznajmljivati i kupiti nekretninu. <strong data-start=\"2610\" data-end=\"2628\">bez da platim bogatstvo<\/strong>.<\/p><h2 data-start=\"2636\" data-end=\"2681\">Koliko mogu u\u0161tedjeti uz subvenciju?<\/h2><p data-start=\"2683\" data-end=\"2836\">To ovisi o va\u0161im prihodima, lokaciji, broju uzdr\u017eavanih \u010dlanova i vrijednosti nekretnine. Ali <strong data-start=\"2771\" data-end=\"2809\">Popusti mogu iznositi i do R$ 55.000<\/strong>, ovisno o va\u0161em profilu.<\/p><p data-start=\"2838\" data-end=\"2975\">Kako bismo vam pomogli, izradili smo <strong data-start=\"2869\" data-end=\"2905\">Besplatni kalkulator pogodnosti<\/strong>. Pomo\u0107u ovog alata mo\u017eete izra\u010dunati koliki popust \u0107ete dobiti na svoj zajam:<\/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\/hr\/zaposlenje\/kako-kupiti-nekretninu\/\">\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>Mogu li kupiti nekretninu bez pologa?<\/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\">Slu\u017ebena web stranica<\/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\/hr\/zaposlenje\/kako-kupiti-nekretninu\/\">\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\">Gledajte sada<\/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\">Tko ima pravo sudjelovati u programu &#x27;Minha Casa, Minha Vida&#x27;?<\/h2><ul data-start=\"3121\" data-end=\"3402\"><li data-start=\"3121\" data-end=\"3171\"><p data-start=\"3123\" data-end=\"3171\">Obitelji s <strong data-start=\"3136\" data-end=\"3170\">prihod do R$ 12.000 mjese\u010dno<\/strong>.<\/p><\/li><li data-start=\"3172\" data-end=\"3220\"><p data-start=\"3174\" data-end=\"3220\">Ljudi koji <strong data-start=\"3186\" data-end=\"3219\">Ne posjeduju nikakvu imovinu na svoje ime.<\/strong>.<\/p><\/li><li data-start=\"3221\" data-end=\"3283\"><p data-start=\"3223\" data-end=\"3283\">Tko <strong data-start=\"3228\" data-end=\"3271\">Nikada nije koristio stambene naknade.<\/strong> prethodni.<\/p><\/li><li data-start=\"3284\" data-end=\"3348\"><p data-start=\"3286\" data-end=\"3348\">Brazilci ili strani dr\u017eavljani s stalnim boravkom u zemlji.<\/p><\/li><li data-start=\"3349\" data-end=\"3402\"><p data-start=\"3351\" data-end=\"3402\">Morate imati vi\u0161e od 18 godina ili vam je dodijeljena pravna punoljetnost.<\/p><\/li><\/ul><p data-start=\"3404\" data-end=\"3470\">Ako ispunjavate ove kriterije, sada mo\u017eete poduzeti sljede\u0107i korak.<\/p><h2 data-start=\"3477\" data-end=\"3501\">Kako se registrirati?<\/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\">Odredite svoju poreznu skupinu.<\/strong><\/p><\/li><li data-start=\"3542\" data-end=\"3610\"><p data-start=\"3545\" data-end=\"3610\">Molimo prilo\u017eite sljede\u0107e dokumente: osobnu iskaznicu, CPF, dokaz o prihodu i dokaz o adresi.<\/p><\/li><li data-start=\"3611\" data-end=\"3757\"><p data-start=\"3614\" data-end=\"3757\">Posjetite web stranicu <strong data-start=\"3631\" data-end=\"3659\">Va\u0161 lokalni savjet<\/strong> (za staze 1 i 2) ili idite izravno na web-stranicu <strong data-start=\"3704\" data-end=\"3713\">Kla\u010dar<\/strong> ili <strong data-start=\"3717\" data-end=\"3736\">Banco do Brasil<\/strong> (za staze 3 i 4).<\/p><\/li><li data-start=\"3758\" data-end=\"3809\"><p data-start=\"3761\" data-end=\"3809\">Ispunite prijavu i pri\u010dekajte provjeru kreditne sposobnosti.<\/p><\/li><li data-start=\"3810\" data-end=\"3898\"><p data-start=\"3813\" data-end=\"3898\">Ako je va\u0161a prijava odobrena, odaberite nekretninu koja ispunjava kriterije programa i potpi\u0161ite ugovor.<\/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\/hr\/zaposlenje\/kako-kupiti-nekretninu\/\">\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>Mogu li kupiti nekretninu bez pologa?<\/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\">Slu\u017ebena web stranica<\/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\/hr\/zaposlenje\/kako-kupiti-nekretninu\/\">\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\">Gledajte sada<\/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\">Zaklju\u010dak<\/h2><p data-start=\"3921\" data-end=\"4128\">Program &#x27;Minha Casa, Minha Vida 2025&#x27; predstavlja <strong data-start=\"3966\" data-end=\"3989\">sjajna prilika<\/strong> za sve koji \u017eele kupiti nekretninu pod posebnim uvjetima, pla\u0107ati ni\u017ee kamatne stope i ostvariti pogodnosti od subvencija koje <strong data-start=\"4093\" data-end=\"4127\">zna\u010dajno smanjiti kona\u010dni tro\u0161ak<\/strong>.<\/p><p data-start=\"4130\" data-end=\"4253\">Ne gubite vrijeme. Koristite simulator, saznajte koliko mo\u017eete u\u0161tedjeti i poduzmite sljede\u0107i korak s jasnim umom i dobro promi\u0161ljenim planom.<\/p><p data-start=\"4130\" data-end=\"4253\">\ud83d\udc49 Pratite ovo\u00a0<a href=\"https:\/\/jornal365.com.br\/hr\/\">blog<\/a>\u00a0za nadolaze\u0107e \u010dlanke u\u00a0<a href=\"https:\/\/www.instagram.com\/jornal.365\/\" target=\"_blank\" rel=\"noopener\">Novine 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\/hr\/wp-json\/wp\/v2\/posts\/12173","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/comments?post=12173"}],"version-history":[{"count":3,"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/posts\/12173\/revisions"}],"predecessor-version":[{"id":17549,"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/posts\/12173\/revisions\/17549"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/media\/12174"}],"wp:attachment":[{"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/media?parent=12173"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/categories?post=12173"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/tags?post=12173"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/post_folder?post=12173"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}