{"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\/lt\/beneficios\/quer-comprar-um-imovel-barato\/","title":{"rendered":"Quer Comprar um Im\u00f3vel Barato? Entenda como Minha Casa Minha Vida Funciona"},"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;\">An\u00fancio<\/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>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 <strong data-start=\"586\" data-end=\"617\">Minha Casa, Minha Vida 2025<\/strong>, programa que voltou com for\u00e7a total e est\u00e1 mais acess\u00edvel do que nunca \u2014 inclusive para a <strong data-start=\"709\" data-end=\"725\">classe m\u00e9dia<\/strong>.<\/p><h2 data-start=\"942\" data-end=\"980\">O que \u00e9 o Minha Casa, Minha Vida?<\/h2><p data-start=\"982\" data-end=\"1321\">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 <strong data-start=\"1192\" data-end=\"1217\">subs\u00eddios (descontos)<\/strong> e <strong data-start=\"1220\" data-end=\"1260\">condi\u00e7\u00f5es de financiamento especiais<\/strong>, pavyzd\u017eiui, kaip <strong data-start=\"1267\" data-end=\"1286\">juros reduzidos<\/strong> e <strong data-start=\"1289\" data-end=\"1320\">prazos maiores de pagamento<\/strong>.<\/p><p data-start=\"1323\" data-end=\"1474\">O programa \u00e9 operado principalmente pela <strong data-start=\"1364\" data-end=\"1391\">Caixa Econ\u00f4mica Federal<\/strong> e <strong data-start=\"1394\" data-end=\"1413\">Banco do Brasil<\/strong>, com apoio de prefeituras, estados e construtoras parceiras.<\/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\">Faixas de renda: descubra onde voc\u00ea se encaixa<\/h2><p data-start=\"1535\" data-end=\"1611\">O programa foi reformulado em 2025 e agora contempla quatro faixas de renda:<\/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\">Faixa 1<\/strong> \u2013 at\u00e9 R$ 2.640: maiores subs\u00eddios e juros a partir de 4% ao ano.<\/p><\/li><li data-start=\"1692\" data-end=\"1772\"><p data-start=\"1694\" data-end=\"1772\"><strong data-start=\"1694\" data-end=\"1705\">Faixa 2<\/strong> \u2013 de R$ 2.640,01 at\u00e9 R$ 4.400: subs\u00eddios m\u00e9dios e juros reduzidos.<\/p><\/li><li data-start=\"1773\" data-end=\"1862\"><p data-start=\"1775\" data-end=\"1862\"><strong data-start=\"1775\" data-end=\"1786\">Faixa 3<\/strong> \u2013 de R$ 4.400,01 at\u00e9 R$ 8.000: menores subs\u00eddios, mas ainda com boas taxas.<\/p><\/li><li data-start=\"1863\" data-end=\"1988\"><p data-start=\"1865\" data-end=\"1988\"><strong data-start=\"1865\" data-end=\"1876\">Faixa 4<\/strong> \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.<\/p><\/li><\/ul><p data-start=\"1990\" data-end=\"2061\"><strong data-start=\"1993\" data-end=\"2061\">Quanto menor a renda, maior o desconto no valor final do im\u00f3vel.<\/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\/lt\/darbas\/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>USE O SIMULADOR<\/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\/lt\/darbas\/como-comprar-um-imovel\/\">Calculadora<\/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\/lt\/darbas\/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\">VER AGORA<\/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\">O que mudou em 2025?<\/h2><p data-start=\"2096\" data-end=\"2172\">As mudan\u00e7as feitas neste ano tornaram o programa mais atrativo e abrangente:<\/p><ul data-start=\"2174\" data-end=\"2508\"><li data-start=\"2174\" data-end=\"2236\"><p data-start=\"2176\" data-end=\"2236\">Inclus\u00e3o da <strong data-start=\"2188\" data-end=\"2204\">classe m\u00e9dia<\/strong>, com novos limites e condi\u00e7\u00f5es.<\/p><\/li><li data-start=\"2237\" data-end=\"2297\"><p data-start=\"2239\" data-end=\"2297\">Financiamento de im\u00f3veis de <strong data-start=\"2267\" data-end=\"2285\">at\u00e9 R$ 500 mil<\/strong> na Faixa 4.<\/p><\/li><li data-start=\"2298\" data-end=\"2368\"><p data-start=\"2300\" data-end=\"2368\"><strong data-start=\"2300\" data-end=\"2333\">Juros entre 4% e 10,5% ao ano<\/strong>, muito abaixo da m\u00e9dia do mercado.<\/p><\/li><li data-start=\"2369\" data-end=\"2438\"><p data-start=\"2371\" data-end=\"2438\">Amplia\u00e7\u00e3o da oferta: mais de <strong data-start=\"2400\" data-end=\"2437\">120 mil novas unidades s\u00f3 em 2025<\/strong>.<\/p><\/li><li data-start=\"2439\" data-end=\"2508\"><p data-start=\"2441\" data-end=\"2508\">Mais transpar\u00eancia e acesso digital para cadastro e acompanhamento.<\/p><\/li><\/ul><p data-start=\"2510\" data-end=\"2629\">Essas atualiza\u00e7\u00f5es permitem que muito mais brasileiros consigam sair do aluguel e comprar um im\u00f3vel <strong data-start=\"2610\" data-end=\"2628\">sem pagar caro<\/strong>.<\/p><h2 data-start=\"2636\" data-end=\"2681\">Quanto posso economizar com o subs\u00eddio?<\/h2><p data-start=\"2683\" data-end=\"2836\">Isso depende da sua renda, localiza\u00e7\u00e3o, n\u00famero de dependentes e valor do im\u00f3vel. Mas os <strong data-start=\"2771\" data-end=\"2809\">descontos podem chegar a R$ 55.000<\/strong>, dependendo do seu perfil.<\/p><p data-start=\"2838\" data-end=\"2975\">Para te ajudar, criamos uma <strong data-start=\"2869\" data-end=\"2905\">calculadora de subs\u00eddio gratuita<\/strong>. Com ela, voc\u00ea pode simular quanto ter\u00e1 de desconto no financiamento:<\/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\/lt\/darbas\/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>Consigo Comprar um Im\u00f3vel Sem Entrada?<\/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\">Portal Oficail<\/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\/lt\/darbas\/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\">VER AGORA<\/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\">Quem pode participar do 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\">Fam\u00edlias com <strong data-start=\"3136\" data-end=\"3170\">renda de at\u00e9 R$ 12.000 por m\u00eas<\/strong>.<\/p><\/li><li data-start=\"3172\" data-end=\"3220\"><p data-start=\"3174\" data-end=\"3220\">Pessoas que <strong data-start=\"3186\" data-end=\"3219\">n\u00e3o tenham im\u00f3vel em seu nome<\/strong>.<\/p><\/li><li data-start=\"3221\" data-end=\"3283\"><p data-start=\"3223\" data-end=\"3283\">Quem <strong data-start=\"3228\" data-end=\"3271\">nunca utilizou benef\u00edcios habitacionais<\/strong> anteriores.<\/p><\/li><li data-start=\"3284\" data-end=\"3348\"><p data-start=\"3286\" data-end=\"3348\">Brasileiros ou estrangeiros com resid\u00eancia permanente no pa\u00eds.<\/p><\/li><li data-start=\"3349\" data-end=\"3402\"><p data-start=\"3351\" data-end=\"3402\">\u00c9 necess\u00e1rio ter mais de 18 anos ou ser emancipado.<\/p><\/li><\/ul><p data-start=\"3404\" data-end=\"3470\">Se voc\u00ea se enquadra nesses crit\u00e9rios, j\u00e1 pode dar o pr\u00f3ximo passo.<\/p><h2 data-start=\"3477\" data-end=\"3501\">Como se inscrever?<\/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\">Identifique sua faixa de renda.<\/strong><\/p><\/li><li data-start=\"3542\" data-end=\"3610\"><p data-start=\"3545\" data-end=\"3610\">Separe os documentos: RG, CPF, comprovante de renda e resid\u00eancia.<\/p><\/li><li data-start=\"3611\" data-end=\"3757\"><p data-start=\"3614\" data-end=\"3757\">Acesse o site da <strong data-start=\"3631\" data-end=\"3659\">prefeitura da sua cidade<\/strong> (para Faixas 1 e 2) ou v\u00e1 direto ao site da <strong data-start=\"3704\" data-end=\"3713\">D\u0117\u017eut\u0117<\/strong> ou <strong data-start=\"3717\" data-end=\"3736\">Banco do Brasil<\/strong> (para Faixas 3 e 4).<\/p><\/li><li data-start=\"3758\" data-end=\"3809\"><p data-start=\"3761\" data-end=\"3809\">Fa\u00e7a a inscri\u00e7\u00e3o e aguarde a an\u00e1lise de cr\u00e9dito.<\/p><\/li><li data-start=\"3810\" data-end=\"3898\"><p data-start=\"3813\" data-end=\"3898\">Caso aprovado, escolha o im\u00f3vel dentro dos crit\u00e9rios do programa e assine o contrato.<\/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\/lt\/darbas\/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>Consigo Comprar um Im\u00f3vel Sem Entrada?<\/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\">Portal Oficail<\/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\/lt\/darbas\/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\">VER AGORA<\/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\">I\u0161vada<\/h2><p data-start=\"3921\" data-end=\"4128\">O Minha Casa, Minha Vida 2025 representa uma <strong data-start=\"3966\" data-end=\"3989\">grande oportunidade<\/strong> para quem quer comprar um im\u00f3vel com condi\u00e7\u00f5es especiais, pagar menos juros e contar com subs\u00eddios que <strong data-start=\"4093\" data-end=\"4127\">reduzem bastante o valor final<\/strong>.<\/p><p data-start=\"4130\" data-end=\"4253\">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.<\/p><p data-start=\"4130\" data-end=\"4253\">\ud83d\udc49 Fique de olho aqui no\u00a0<a href=\"https:\/\/jornal365.com.br\/lt\/\">blog<\/a>\u00a0para os pr\u00f3ximos artigos no\u00a0<a href=\"https:\/\/www.instagram.com\/jornal.365\/\" target=\"_blank\" rel=\"noopener\">Jornal 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\/lt\/wp-json\/wp\/v2\/posts\/12173","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jornal365.com.br\/lt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jornal365.com.br\/lt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/lt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/lt\/wp-json\/wp\/v2\/comments?post=12173"}],"version-history":[{"count":3,"href":"https:\/\/jornal365.com.br\/lt\/wp-json\/wp\/v2\/posts\/12173\/revisions"}],"predecessor-version":[{"id":17549,"href":"https:\/\/jornal365.com.br\/lt\/wp-json\/wp\/v2\/posts\/12173\/revisions\/17549"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/lt\/wp-json\/wp\/v2\/media\/12174"}],"wp:attachment":[{"href":"https:\/\/jornal365.com.br\/lt\/wp-json\/wp\/v2\/media?parent=12173"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jornal365.com.br\/lt\/wp-json\/wp\/v2\/categories?post=12173"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jornal365.com.br\/lt\/wp-json\/wp\/v2\/tags?post=12173"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/jornal365.com.br\/lt\/wp-json\/wp\/v2\/post_folder?post=12173"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}