Portuguese 
English 
Spanish 
5 min of reading 
0 comments 
My House, My Life Now Operates with Four Income Ranges and Monthly Income of Up to R$ 12 Thousand, Including Range 4 of R$ 8.6 Thousand to R$ 12 Thousand, Without Subsidy, with Terms of Up to 420 Months, Property Up to R$ 500 Thousand and Interest of 10% Per Year Already Valid.
My House, My Life is no longer just a gateway for those with the lowest incomes: the program now reaches families with a monthly income of up to R$ 12 thousand, which changes who can join the financing game and which properties can fit into the planning.
In practice, the reach goes from urban to rural areas, with a monthly income reference of up to R$ 12 thousand and an annual income of up to R$ 144 thousand, and includes a new division that reorganizes eligibility, property value limits, and contract conditions, in a scenario where market rates are above 11.5% per year.
What Has Really Changed and Why So Many People Haven’t Noticed
The central point is that My House, My Life is now structured into four service ranges, and the most visible change was the creation of Range 4.
-
The government requests the Federal Revenue Service for a new system to automate the income tax declaration, reducing errors, time, and bureaucracy for millions of Brazilians.
-
Pix in installments, international Pix, and contactless payment without internet: the Central Bank revealed the new features coming to the tool that is already used by almost every adult in Brazil.
-
Mercado Livre has just started selling medications with delivery in up to three hours to your door, and this move could completely change the way Brazilians buy medicines on a daily basis.
-
In Dubai, rising tensions from the war in the Middle East are causing super-rich individuals to leave the Gulf and direct their fortunes to a new financial refuge in Asia.
When the rules change, many still look at the program as if it were the same as before, with the old income and property value limits, and end up self-excluding unnecessarily.
At the same time, the update of the previous ranges redesigns the boundaries of “who can” and “how much can,” because it’s not just about a new range: the income caps have been readjusted, and this changes the landscape of who fits into each group and the type of property that counts, especially for those close to the limits.
Range 4: Who Gets In, How Much They Finance, and What Conditions Define the Game
Range 4 of My House, My Life serves families with income between R$ 8.6 thousand and R$ 12 thousand per month. The ceiling for the financed property value reaches R$ 500 thousand, which broadens the range of options for those who previously found themselves in a gray area: too high income for the more subsidized ranges, but still dependent on financing to buy.
The conditions are also well defined: term of up to 420 months (35 years), interest rate of 10% per year, and no government subsidy.
This detail of “no subsidy” is decisive for understanding the design of Range 4: the logic shifts from direct support via subsidy to being a financing condition with specified interest rates, still below the market rates mentioned as above 11.5% per year.
Ranges 1, 2, and 3 Have Also Changed: New Caps and Effects on Eligibility
In addition to Range 4, My House, My Life adjusted the limits of the three previous ranges. Range 1 now covers monthly income of up to R$ 2,850.
Range 2 was adjusted to up to R$ 4.7 thousand per month. Range 3 goes up to R$ 8.6 thousand per month, edging into the beginning of Range 4 and creating a clearer transition between the groups.
This redesign is the type of change that catches people off guard: those who have recently had an increase in income, those who have fluctuating family income month to month, or those who combine incomes from multiple family members can change ranges without realizing it.
And this matters because range is more than just a label, it is the reference that organizes access and categorization within the program.
The Property Ceiling in Smaller Cities Has Increased: Why R$ 230 Thousand Can Make a Difference
Another adjustment of My House, My Life is strongly felt in municipalities with fewer than 100,000 inhabitants.
The value of financed properties in these cities increased from R$ 210 thousand to R$ 230 thousand, a variation indicated as an increase of 11% to 16%, with the declared aim of stimulating housing supply in these regions.
At the grassroots level, this type of ceiling impacts two fronts at the same time: on one side, the buyer has more room to find properties within the limit; on the other, the local market receives a signal that there is space to offer housing products compatible with the program.
In smaller cities, where stock may be more limited, an adjustment in the ceiling can represent the difference between “there is an option” and “there is no option.”
Record Investment and 2026 Goal: The Background that Explains the Pace
In 2025, My House, My Life received a record investment of around R$ 180 billion. And the government’s goal is to reach 3 million contracted housing units by the end of 2026.
These numbers help explain why the program’s structure was reorganized: when the goal is large, the rules need to accommodate different income profiles and distinct municipal realities.
For those considering buying, the backdrop is not a distant detail. More projected contracts mean more activity and more attention to the rules because the correct categorization becomes a key piece: income, range, property ceiling, and financing conditions need to align to avoid frustration when trying to contract.
How to Interpret These Rules Without Stumbling: Income, Property Value, Term, and Cost of Money
The first filter is always “who”: in My House, My Life, the mentioned eligibility considers monthly income up to R$ 12 thousand and, in the mentioned rural context, annual income up to R$ 144 thousand. The second filter is “how much”: in Range 4, for example, there is a ceiling of R$ 500 thousand for the property.
The third filter is “how”: interest of 10% per year, term of up to 420 months, and absence of subsidy, which changes the logic of total cost over time.
And there is the “where” that is often overlooked: in smaller municipalities, the property ceiling was adjusted to R$ 230 thousand, designed to stimulate housing supply.
Putting it all together, the practical question becomes: which range best describes your current income, what property ceiling makes sense in your city, and whether the long-term commitment of financing for up to 35 years fits into your reality without straining your budget.
My House, My Life has grown larger and more segmented, and this changes the starting point for many who were off the radar.
Range 4, new income caps and updated property value limits reorganize access and planning, especially for families who did not see themselves as part of the program’s target audience.
Thinking about your reality, in which range does your family fit today and what weighs most in the decision: the ceiling of R$ 500 thousand, the interest of 10% per year without subsidy, or the term of up to 420 months?
And, in your city, would the limit of R$ 230 thousand in smaller municipalities make a difference when trying to find a feasible property?
-
-
3 pessoas reagiram a isso.