Government Allocates R$ 180 Billion to Minha Casa Minha Vida to Finance Properties Up to R$ 500,000 and Support Those Earning Up to R$ 12,000 Per Month

Written by Romário Pereira de Carvalho

Published on 26/02/2026 at 10:55

Imagem: Ilustração artística

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My House My Life Expands Access To Housing With Investment Of R$ 180 Billion, Creates Tier 4 For Income Of R$ 8 Thousand To R$ 12 Thousand And Forecasts 3 Million Contracts By 2026

My House My Life underwent changes announced by the federal government, with an investment of R$ 180 billion, the creation of Tier 4 for income between R$ 8 thousand and R$ 12 thousand, and a goal of contracting 3 million homes by 2026.

My House My Life Creates Tier 4 And Expands Financing

The main change in My House My Life is the inclusion of Tier 4, intended for families with a monthly income between R$ 8 thousand and R$ 12 thousand.

This group can finance properties of up to R$ 500 thousand, even without government subsidies.

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The interest rate set for this tier is 10% per year, a competitive percentage compared to the rates practiced in the market.

The measure expands the program’s reach and enables the acquisition of larger properties within My House My Life itself.

Adjustments To Previous Tiers

In addition to the new category, My House My Life also made adjustments to the existing tiers. The changes include advantages for families with lower incomes, reinforcing the goal of expanding access to home ownership in different economic contexts.

According to the guidelines presented, the set of changes aims to meet various income realities and stimulate the housing market throughout the country.

Participation In The Real Estate Market In 2025

The impact of the measures is already showing in the 2025 indicators. My House My Life was responsible for 52% of launches and 49% of property sales throughout the year.

The expanded reach of the tiers contributed to the growth in the number of residential launches. The targets for launches and sales were exceeded, even with basic interest rates above 15% per year, a scenario that directly affects the real estate sector.

Resources From FGTS And Projections

Resources from the Severance Pay Fund totaled R$ 144.5 billion, strengthening the financing of homes linked to My House My Life. This volume of resources reinforces the credit structure of the program.

The continued dynamism of the market is also pointed out as a result of the changes. It is estimated that a significant portion of Brazilians intends to acquire properties in the next two years, a factor that supports the stability of the sector and expands the reach of housing policies.

With information from TNH1.

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Government Allocates R$ 180 Billion to Minha Casa Minha Vida to Finance Properties Up to R$ 500,000 and Support Those Earning Up to R$ 12,000 Per Month

My House My Life Expands Access To Housing With Investment Of R$ 180 Billion, Creates Tier 4 For Income Of R$ 8 Thousand To R$ 12 Thousand And Forecasts 3 Million Contracts By 2026

My House My Life Creates Tier 4 And Expands Financing

Major Oil, Gas, and Energy Event Will Take Place in Brazil: Macaé Energy Will Gather Petrobras, Equinor, Prio, Among Other Suppliers and Energy Executives for Business, Networking, and Employment Opportunities

Adjustments To Previous Tiers

Participation In The Real Estate Market In 2025

Resources From FGTS And Projections

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Government Allocates R$ 180 Billion to Minha Casa Minha Vida to Finance Properties Up to R$ 500,000 and Support Those Earning Up to R$ 12,000 Per Month

My House My Life Expands Access To Housing With Investment Of R$ 180 Billion, Creates Tier 4 For Income Of R$ 8 Thousand To R$ 12 Thousand And Forecasts 3 Million Contracts By 2026

My House My Life Creates Tier 4 And Expands Financing

Major Oil, Gas, and Energy Event Will Take Place in Brazil: Macaé Energy Will Gather Petrobras, Equinor, Prio, Among Other Suppliers and Energy Executives for Business, Networking, and Employment Opportunities

Adjustments To Previous Tiers

Participation In The Real Estate Market In 2025

Resources From FGTS And Projections

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With more than 635,000 doctors, Brazil sees competition increasing in large cities, and recent graduates are competing for shifts at an accelerated pace while the countryside still faces shortages.

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