{"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":"chcete-kupit-lacnu-nehnutelnost","status":"publish","type":"post","link":"https:\/\/jornal365.com.br\/sk\/beneficios\/quer-comprar-um-imovel-barato\/","title":{"rendered":"Chcete si k\u00fapi\u0165 lacn\u00fa nehnute\u013enos\u0165? Pochopte, ako funguje Minha Casa Minha Vida"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"12173\" class=\"elementor elementor-12173\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a8a69c e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"6a8a69c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fa240ff elementor-widget elementor-widget-html\" data-id=\"fa240ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"ad-label\" style=\"font-size:10px;text-align:center;color:#000;\">Inzer\u00e1ty<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40f89a4 elementor-widget elementor-widget-text-editor\" data-id=\"40f89a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Vlastn\u00e9 b\u00fdvanie je snom tis\u00edcov Braz\u00edl\u010danov. Ale uprostred vysok\u00fdch \u00farokov\u00fdch sadzieb, byrokracie a dlh\u00fdch obdob\u00ed financovania sa tento sen \u010dasto zd\u00e1 by\u0165 vzdialen\u00fd. Pr\u00e1ve tu <strong data-start=\"586\" data-end=\"617\">M\u00f4j dom, m\u00f4j \u017eivot 2025<\/strong>, Program sa vr\u00e1til v plnej sile a je pr\u00edstupnej\u0161\u00ed ako kedyko\u013evek predt\u00fdm - aj pre <strong data-start=\"709\" data-end=\"725\">stredn\u00e1 trieda<\/strong>.<\/p><h2 data-start=\"942\" data-end=\"980\">\u010co je Minha Casa, Minha Vida?<\/h2><p data-start=\"982\" data-end=\"1321\">Minha Casa, Minha Vida je program b\u00fdvania, ktor\u00fd vytvorila feder\u00e1lna vl\u00e1da s cie\u013eom u\u013eah\u010di\u0165 rodin\u00e1m s n\u00edzkymi a stredn\u00fdmi pr\u00edjmami k\u00fapu vlastn\u00e9ho b\u00fdvania. Prostredn\u00edctvom neho m\u00f4\u017eete z\u00edska\u0165 <strong data-start=\"1192\" data-end=\"1217\">dot\u00e1cie (z\u013eavy)<\/strong> e <strong data-start=\"1220\" data-end=\"1260\">osobitn\u00e9 podmienky financovania<\/strong>, ako napr. <strong data-start=\"1267\" data-end=\"1286\">zn\u00ed\u017een\u00e9 \u00farokov\u00e9 sadzby<\/strong> e <strong data-start=\"1289\" data-end=\"1320\">dlh\u0161ie platobn\u00e9 podmienky<\/strong>.<\/p><p data-start=\"1323\" data-end=\"1474\">Program je realizovan\u00fd najm\u00e4 prostredn\u00edctvom <strong data-start=\"1364\" data-end=\"1391\">Feder\u00e1lna sporite\u013e\u0148a<\/strong> e <strong data-start=\"1394\" data-end=\"1413\">Braz\u00edlska banka<\/strong>, s podporou obc\u00ed, \u0161t\u00e1tov a partnersk\u00fdch stavebn\u00fdch spolo\u010dnost\u00ed.<\/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\">Pr\u00edjmov\u00e9 p\u00e1sma: zistite, kam patr\u00edte<\/h2><p data-start=\"1535\" data-end=\"1611\">Program bol v roku 2025 preformulovan\u00fd a v s\u00fa\u010dasnosti zah\u0155\u0148a \u0161tyri pr\u00edjmov\u00e9 skupiny:<\/p><ul data-start=\"1613\" data-end=\"1988\"><li data-start=\"1613\" data-end=\"1691\"><p data-start=\"1615\" data-end=\"1691\"><strong data-start=\"1615\" data-end=\"1626\">Skladba 1<\/strong> - do R$ 2 640: vy\u0161\u0161ie dot\u00e1cie a \u00faroky od 4% ro\u010dne.<\/p><\/li><li data-start=\"1692\" data-end=\"1772\"><p data-start=\"1694\" data-end=\"1772\"><strong data-start=\"1694\" data-end=\"1705\">Skladba 2<\/strong> - z 2 640,01 R$ na 4 400 R$: priemern\u00e9 dot\u00e1cie a zn\u00ed\u017een\u00fd \u00farok.<\/p><\/li><li data-start=\"1773\" data-end=\"1862\"><p data-start=\"1775\" data-end=\"1862\"><strong data-start=\"1775\" data-end=\"1786\">Skladba 3<\/strong> - od 4 400,01 R$ do 8 000 R$: ni\u017e\u0161ie dot\u00e1cie, ale st\u00e1le dobr\u00e9 ceny.<\/p><\/li><li data-start=\"1863\" data-end=\"1988\"><p data-start=\"1865\" data-end=\"1988\"><strong data-start=\"1865\" data-end=\"1876\">Skladba 4<\/strong> - od 8 000,01 R$ do 12 000 R$: nov\u00e1 kateg\u00f3ria ur\u010den\u00e1 pre stredn\u00fa triedu s financovan\u00edm a\u017e do 500 tis\u00edc R$.<\/p><\/li><\/ul><p data-start=\"1990\" data-end=\"2061\"><strong data-start=\"1993\" data-end=\"2061\">\u010c\u00edm ni\u017e\u0161\u00ed je pr\u00edjem, t\u00fdm v\u00e4\u010d\u0161ia je z\u013eava z kone\u010dnej hodnoty nehnute\u013enosti.<\/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\/sk\/zamestnanie\/ako-kupit-nehnutelnost\/\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"280\" src=\"https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/06\/Captura-de-tela-2025-06-05-162032-300x280.png\" class=\"attachment-medium size-medium wp-image-12209\" alt=\"\" srcset=\"https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/06\/Captura-de-tela-2025-06-05-162032-300x280.png 300w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/06\/Captura-de-tela-2025-06-05-162032-13x12.png 13w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/06\/Captura-de-tela-2025-06-05-162032.png 446w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e04ef9 elementor-widget elementor-widget-text-editor\" data-id=\"2e04ef9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>POU\u017d\u00cdVA\u0164 SIMUL\u00c1TOR<\/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\/sk\/zamestnanie\/ako-kupit-nehnutelnost\/\">Kalkula\u010dka<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f907aef elementor-widget elementor-widget-button\" data-id=\"f907aef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jornal365.com.br\/sk\/zamestnanie\/ako-kupit-nehnutelnost\/\">\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\">POZRITE SA TERAZ<\/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\">\u010co sa zmenilo v roku 2025?<\/h2><p data-start=\"2096\" data-end=\"2172\">V\u010faka zmen\u00e1m, ktor\u00e9 sa uskuto\u010dnili v tomto roku, sa program stal atrakt\u00edvnej\u0161\u00edm a komplexnej\u0161\u00edm:<\/p><ul data-start=\"2174\" data-end=\"2508\"><li data-start=\"2174\" data-end=\"2236\"><p data-start=\"2176\" data-end=\"2236\">Zahrnutie <strong data-start=\"2188\" data-end=\"2204\">stredn\u00e1 trieda<\/strong>, s nov\u00fdmi obmedzeniami a podmienkami.<\/p><\/li><li data-start=\"2237\" data-end=\"2297\"><p data-start=\"2239\" data-end=\"2297\">Financovanie nehnute\u013enost\u00ed <strong data-start=\"2267\" data-end=\"2285\">do R$ 500 tis\u00edc<\/strong> na skladbe 4.<\/p><\/li><li data-start=\"2298\" data-end=\"2368\"><p data-start=\"2300\" data-end=\"2368\"><strong data-start=\"2300\" data-end=\"2333\">\u00darok od 4% do 10,5% ro\u010dne<\/strong>, To je v\u00fdrazne pod priemerom trhu.<\/p><\/li><li data-start=\"2369\" data-end=\"2438\"><p data-start=\"2371\" data-end=\"2438\">Roz\u0161\u00edrenie ponuky: viac ako <strong data-start=\"2400\" data-end=\"2437\">120 000 nov\u00fdch jednotiek len v roku 2025<\/strong>.<\/p><\/li><li data-start=\"2439\" data-end=\"2508\"><p data-start=\"2441\" data-end=\"2508\">V\u00e4\u010d\u0161ia transparentnos\u0165 a digit\u00e1lny pr\u00edstup k registr\u00e1cii a monitorovaniu.<\/p><\/li><\/ul><p data-start=\"2510\" data-end=\"2629\">V\u010faka t\u00fdmto vylep\u0161eniam sa m\u00f4\u017ee ove\u013ea viac Braz\u00edl\u010danov zbavi\u0165 pren\u00e1jmu a k\u00fapi\u0165 si nehnute\u013enos\u0165. <strong data-start=\"2610\" data-end=\"2628\">bez toho, aby ste platili pr\u00edli\u0161 ve\u013ea<\/strong>.<\/p><h2 data-start=\"2636\" data-end=\"2681\">Ko\u013eko m\u00f4\u017eem u\u0161etri\u0165 v\u010faka dot\u00e1cii?<\/h2><p data-start=\"2683\" data-end=\"2836\">To z\u00e1vis\u00ed od v\u00e1\u0161ho pr\u00edjmu, miesta, po\u010dtu z\u00e1visl\u00fdch os\u00f4b a hodnoty nehnute\u013enosti. Ale <strong data-start=\"2771\" data-end=\"2809\">z\u013eavy m\u00f4\u017eu dosiahnu\u0165 a\u017e R$ 55,000<\/strong>, v z\u00e1vislosti od v\u00e1\u0161ho profilu.<\/p><p data-start=\"2838\" data-end=\"2975\">Aby sme v\u00e1m pomohli, vytvorili sme <strong data-start=\"2869\" data-end=\"2905\">bezplatn\u00e1 kalkula\u010dka pr\u00edspevkov<\/strong>. Pomocou neho m\u00f4\u017eete simulova\u0165, ko\u013eko z\u00edskate z hypot\u00e9ky:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-32d148b e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"32d148b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9c1e33d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"9c1e33d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-36de841 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"36de841\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e99a328 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"e99a328\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ea5ed46 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"ea5ed46\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f3912de e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"f3912de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c09c803 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"c09c803\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/jornal365.com.br\/sk\/zamestnanie\/ako-kupit-nehnutelnost\/\">\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>M\u00f4\u017eem si k\u00fapi\u0165 nehnute\u013enos\u0165 bez z\u00e1lohy?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce4e980 elementor-widget elementor-widget-heading\" data-id=\"ce4e980\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ofici\u00e1lny port\u00e1l<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7973d97 elementor-widget elementor-widget-button\" data-id=\"7973d97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jornal365.com.br\/sk\/zamestnanie\/ako-kupit-nehnutelnost\/\">\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\">POZRITE SA TERAZ<\/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\">Kto sa m\u00f4\u017ee z\u00fa\u010dastni\u0165 na projekte Minha Casa, Minha Vida?<\/h2><ul data-start=\"3121\" data-end=\"3402\"><li data-start=\"3121\" data-end=\"3171\"><p data-start=\"3123\" data-end=\"3171\">Rodiny s <strong data-start=\"3136\" data-end=\"3170\">pr\u00edjem do v\u00fd\u0161ky 12 000 R$ mesa\u010dne<\/strong>.<\/p><\/li><li data-start=\"3172\" data-end=\"3220\"><p data-start=\"3174\" data-end=\"3220\">\u013dudia, ktor\u00ed <strong data-start=\"3186\" data-end=\"3219\">nemaj\u00fa nehnute\u013enos\u0165 na svoje meno<\/strong>.<\/p><\/li><li data-start=\"3221\" data-end=\"3283\"><p data-start=\"3223\" data-end=\"3283\">Kto <strong data-start=\"3228\" data-end=\"3271\">nikdy nevyu\u017e\u00edvali pr\u00edspevky na b\u00fdvanie<\/strong> predch\u00e1dzaj\u00face.<\/p><\/li><li data-start=\"3284\" data-end=\"3348\"><p data-start=\"3286\" data-end=\"3348\">Braz\u00edl\u010dania alebo cudzinci s trval\u00fdm pobytom v krajine.<\/p><\/li><li data-start=\"3349\" data-end=\"3402\"><p data-start=\"3351\" data-end=\"3402\">Mus\u00edte by\u0165 star\u0161\u00ed ako 18 rokov alebo emancipovan\u00fd.<\/p><\/li><\/ul><p data-start=\"3404\" data-end=\"3470\">Ak sp\u013a\u0148ate tieto krit\u00e9ri\u00e1, m\u00f4\u017eete urobi\u0165 \u010fal\u0161\u00ed krok.<\/p><h2 data-start=\"3477\" data-end=\"3501\">Ako sa zaregistrova\u0165?<\/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\">Ur\u010dite svoju pr\u00edjmov\u00fa skupinu.<\/strong><\/p><\/li><li data-start=\"3542\" data-end=\"3610\"><p data-start=\"3545\" data-end=\"3610\">Odde\u013ete dokumenty: Odlo\u017ete si doklady toto\u017enosti, CPF, doklady o pr\u00edjme a bydlisku.<\/p><\/li><li data-start=\"3611\" data-end=\"3757\"><p data-start=\"3614\" data-end=\"3757\">Nav\u0161t\u00edvte <strong data-start=\"3631\" data-end=\"3659\">va\u0161a radnica<\/strong> (pre skladby 1 a 2) alebo prejdite priamo na <strong data-start=\"3704\" data-end=\"3713\">Box<\/strong> alebo <strong data-start=\"3717\" data-end=\"3736\">Braz\u00edlska banka<\/strong> (pre skladby 3 a 4).<\/p><\/li><li data-start=\"3758\" data-end=\"3809\"><p data-start=\"3761\" data-end=\"3809\">Podajte \u017eiados\u0165 a po\u010dkajte na \u00faverov\u00fa anal\u00fdzu.<\/p><\/li><li data-start=\"3810\" data-end=\"3898\"><p data-start=\"3813\" data-end=\"3898\">V pr\u00edpade schv\u00e1lenia si vyberte nehnute\u013enos\u0165 v r\u00e1mci krit\u00e9ri\u00ed programu a podp\u00ed\u0161te zmluvu.<\/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\/sk\/zamestnanie\/ako-kupit-nehnutelnost\/\">\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>M\u00f4\u017eem si k\u00fapi\u0165 nehnute\u013enos\u0165 bez z\u00e1lohy?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-559328a elementor-widget elementor-widget-heading\" data-id=\"559328a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ofici\u00e1lny port\u00e1l<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53fce92 elementor-widget elementor-widget-button\" data-id=\"53fce92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jornal365.com.br\/sk\/zamestnanie\/ako-kupit-nehnutelnost\/\">\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\">POZRITE SA TERAZ<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5097c47 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"5097c47\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4dce69a elementor-widget elementor-widget-text-editor\" data-id=\"4dce69a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"3905\" data-end=\"3919\">Z\u00e1ver<\/h2><p data-start=\"3921\" data-end=\"4128\">Minha Casa, Minha Vida 2025 predstavuje <strong data-start=\"3966\" data-end=\"3989\">skvel\u00e1 pr\u00edle\u017eitos\u0165<\/strong> pre t\u00fdch, ktor\u00ed si chc\u00fa k\u00fapi\u0165 nehnute\u013enos\u0165 so \u0161peci\u00e1lnymi podmienkami, plati\u0165 ni\u017e\u0161ie \u00faroky a po\u010d\u00edta\u0165 s dot\u00e1ciami, ktor\u00e9 <strong data-start=\"4093\" data-end=\"4127\">v\u00fdrazne zn\u00ed\u017ei\u0165 kone\u010dn\u00fa hodnotu<\/strong>.<\/p><p data-start=\"4130\" data-end=\"4253\">Nestr\u00e1cajte \u010das. Pou\u017eite simul\u00e1tor, zistite, ko\u013eko m\u00f4\u017eete u\u0161etri\u0165, a urobte \u010fal\u0161\u00ed krok s vedom\u00edm a pl\u00e1novan\u00edm.<\/p><p data-start=\"4130\" data-end=\"4253\">\ud83d\udc49 Sledujte\u00a0<a href=\"https:\/\/jornal365.com.br\/sk\/\">blog<\/a>\u00a0pre \u010fal\u0161ie \u010dl\u00e1nky o\u00a0<a href=\"https:\/\/www.instagram.com\/jornal.365\/\" target=\"_blank\" rel=\"noopener\">Noviny 365.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>An\u00fancio Conquistar a casa pr\u00f3pria \u00e9 o sonho de milhares de brasileiros. Mas em meio a juros altos, burocracias e financiamentos longos, esse sonho muitas vezes parece distante. \u00c9 a\u00ed que entra o Minha Casa, Minha Vida 2025, programa que voltou com for\u00e7a total e est\u00e1 mais acess\u00edvel do que nunca \u2014 inclusive para a classe m\u00e9dia. O que \u00e9 o Minha Casa, Minha Vida? O Minha Casa, Minha Vida \u00e9 um programa habitacional criado pelo governo federal com o objetivo de facilitar a aquisi\u00e7\u00e3o da casa pr\u00f3pria para fam\u00edlias de baixa e m\u00e9dia renda. Por meio dele, \u00e9 poss\u00edvel conseguir subs\u00eddios (descontos) e condi\u00e7\u00f5es de financiamento especiais, como juros reduzidos e prazos maiores de pagamento. O programa \u00e9 operado principalmente pela Caixa Econ\u00f4mica Federal e Banco do Brasil, com apoio de prefeituras, estados e construtoras parceiras. Faixas de renda: descubra onde voc\u00ea se encaixa O programa foi reformulado em 2025 e agora contempla quatro faixas de renda: Faixa 1 \u2013 at\u00e9 R$ 2.640: maiores subs\u00eddios e juros a partir de 4% ao ano. Faixa 2 \u2013 de R$ 2.640,01 at\u00e9 R$ 4.400: subs\u00eddios m\u00e9dios e juros reduzidos. Faixa 3 \u2013 de R$ 4.400,01 at\u00e9 R$ 8.000: menores subs\u00eddios, mas ainda com boas taxas. Faixa 4 \u2013 de R$ 8.000,01 at\u00e9 R$ 12.000: nova categoria que atende a classe m\u00e9dia, com financiamentos de at\u00e9 R$ 500 mil. Quanto menor a renda, maior o desconto no valor final do im\u00f3vel. USE O SIMULADOR Calculadora VER AGORA O que mudou em 2025? As mudan\u00e7as feitas neste ano tornaram o programa mais atrativo e abrangente: Inclus\u00e3o da classe m\u00e9dia, com novos limites e condi\u00e7\u00f5es. Financiamento de im\u00f3veis de at\u00e9 R$ 500 mil na Faixa 4. Juros entre 4% e 10,5% ao ano, muito abaixo da m\u00e9dia do mercado. Amplia\u00e7\u00e3o da oferta: mais de 120 mil novas unidades s\u00f3 em 2025. Mais transpar\u00eancia e acesso digital para cadastro e acompanhamento. Essas atualiza\u00e7\u00f5es permitem que muito mais brasileiros consigam sair do aluguel e comprar um im\u00f3vel sem pagar caro. Quanto posso economizar com o subs\u00eddio? Isso depende da sua renda, localiza\u00e7\u00e3o, n\u00famero de dependentes e valor do im\u00f3vel. Mas os descontos podem chegar a R$ 55.000, dependendo do seu perfil. Para te ajudar, criamos uma calculadora de subs\u00eddio gratuita. Com ela, voc\u00ea pode simular quanto ter\u00e1 de desconto no financiamento: Consigo Comprar um Im\u00f3vel Sem Entrada? Portal Oficail VER AGORA Quem pode participar do Minha Casa, Minha Vida? Fam\u00edlias com renda de at\u00e9 R$ 12.000 por m\u00eas. Pessoas que n\u00e3o tenham im\u00f3vel em seu nome. Quem nunca utilizou benef\u00edcios habitacionais anteriores. Brasileiros ou estrangeiros com resid\u00eancia permanente no pa\u00eds. \u00c9 necess\u00e1rio ter mais de 18 anos ou ser emancipado. Se voc\u00ea se enquadra nesses crit\u00e9rios, j\u00e1 pode dar o pr\u00f3ximo passo. Como se inscrever? Identifique sua faixa de renda. Separe os documentos: RG, CPF, comprovante de renda e resid\u00eancia. Acesse o site da prefeitura da sua cidade (para Faixas 1 e 2) ou v\u00e1 direto ao site da Caixa ou Banco do Brasil (para Faixas 3 e 4). Fa\u00e7a a inscri\u00e7\u00e3o e aguarde a an\u00e1lise de cr\u00e9dito. Caso aprovado, escolha o im\u00f3vel dentro dos crit\u00e9rios do programa e assine o contrato. Consigo Comprar um Im\u00f3vel Sem Entrada? Portal Oficail VER AGORA Conclus\u00e3o O Minha Casa, Minha Vida 2025 representa uma grande oportunidade para quem quer comprar um im\u00f3vel com condi\u00e7\u00f5es especiais, pagar menos juros e contar com subs\u00eddios que reduzem bastante o valor final. N\u00e3o perca tempo. Use o simulador, descubra quanto voc\u00ea pode economizar e d\u00ea o pr\u00f3ximo passo com consci\u00eancia e planejamento. \ud83d\udc49 Fique de olho aqui no\u00a0blog\u00a0para os pr\u00f3ximos artigos no\u00a0Jornal 365.<\/p>","protected":false},"author":1,"featured_media":12174,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"googlesitekit_rrm_CAow2qXbCw:productID":"","neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","footnotes":""},"categories":[10],"tags":[],"post_folder":[],"class_list":["post-12173","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-beneficios"],"_links":{"self":[{"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/posts\/12173","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/comments?post=12173"}],"version-history":[{"count":3,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/posts\/12173\/revisions"}],"predecessor-version":[{"id":17549,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/posts\/12173\/revisions\/17549"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/media\/12174"}],"wp:attachment":[{"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/media?parent=12173"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/categories?post=12173"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/tags?post=12173"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/post_folder?post=12173"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}