{"id":602,"date":"2023-04-10T23:38:50","date_gmt":"2023-04-10T20:38:50","guid":{"rendered":"https:\/\/economiaportal.com\/?p=602"},"modified":"2023-04-10T23:38:50","modified_gmt":"2023-04-10T20:38:50","slug":"ma-maison-ma-vie-conseils","status":"publish","type":"post","link":"https:\/\/economiaportal.com\/fr\/602\/minha-casa-minha-vida-dicas\/","title":{"rendered":"Ma maison, ma vie \u2013 conseils"},"content":{"rendered":"<p>Le programme <strong>&quot;Ma maison, ma vie&quot;<\/strong> cr\u00e9\u00e9 par le gouvernement f\u00e9d\u00e9ral br\u00e9silien en 2009.<\/p>\n\n\n\n<p>Dans le but de permettre l&#039;acc\u00e8s \u00e0 un logement d\u00e9cent pour les familles \u00e0 faible revenu. <\/p>\n\n\n\n<p>Depuis lors, le programme a livr\u00e9 plus de 5 millions d&#039;unit\u00e9s de logement \u00e0 travers le pays. <\/p>\n\n\n\n<p>Dans cet article, nous aborderons le fonctionnement du programme et donnerons trois conseils \u00e0 ceux qui souhaitent en b\u00e9n\u00e9ficier.<\/p>\n\n\n\n<figure class=\"wp-block-pullquote\"><blockquote><p><a href=\"https:\/\/economiaportal.com\/fr\/595\/fies-pour-faire-connaissance\/\">FIES \u2013 Apprenez \u00e0 conna\u00eetre ce programme du gouvernement f\u00e9d\u00e9ral<\/a><\/p><cite>NOUVELLES<\/cite><\/blockquote><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Fonctionnement du programme<\/h3>\n\n\n\n<p>Premi\u00e8rement, le<strong>Ma maison, ma vie<\/strong>\u201d destin\u00e9 aux familles dont le revenu mensuel peut atteindre 7 000 R$.<\/p>\n\n\n\n<p>Qui ne poss\u00e8dent pas de maison ou de financement immobilier \u00e0 leur nom. <\/p>\n\n\n\n<p>Le programme offre des subventions pour l&#039;achat ou la construction d&#039;une maison, en plus de taux d&#039;int\u00e9r\u00eat plus bas sur le financement immobilier. <\/p>\n\n\n\n<p>Les familles int\u00e9ress\u00e9es doivent s&#039;inscrire aupr\u00e8s de leur mairie ou aupr\u00e8s d&#039;entit\u00e9s partenaires du programme, comme les coop\u00e9ratives d&#039;habitation et les associations d&#039;habitants.<\/p>\n\n\n\n<p>En bref, le programme comporte quatre tranches de revenu, qui d\u00e9terminent le montant de la subvention et les conditions de <a href=\"https:\/\/economiaportal.com\/fr\/595\/fies-pour-faire-connaissance\/\">financement<\/a>. <\/p>\n\n\n\n<p>\u00c0 <strong>Piste 1<\/strong>, destin\u00e9 aux familles dont le revenu ne d\u00e9passe pas 1,8 mille R$. <\/p>\n\n\n\n<p>La subvention peut atteindre 90% de la valeur du bien et le financement s&#039;effectue \u00e0 des taux d&#039;int\u00e9r\u00eat de 4,5% par an. <\/p>\n\n\n\n<p>\u00c0 <strong>piste 2<\/strong>, pour les familles dont le revenu se situe entre 1,8 mille R$ et 2,6 mille R$.<\/p>\n\n\n\n<p>La subvention peut atteindre 29 000 R$ et les taux d&#039;int\u00e9r\u00eat peuvent atteindre 6% par an. <\/p>\n\n\n\n<p>d\u00e9j\u00e0 l\u00e0 <strong>piste 3<\/strong>, pour les familles dont le revenu se situe entre 2,6 mille R$ et 4 mille R$.<\/p>\n\n\n\n<p>La subvention peut atteindre 27 500 R$ et les taux d&#039;int\u00e9r\u00eat varient de 7% \u00e0 8% par an. <\/p>\n\n\n\n<p>Enfin, dans <strong>piste 4<\/strong>, pour les familles dont le revenu est compris entre 4 000 R$ et 7 000 R$.<\/p>\n\n\n\n<p>Il n&#039;y a pas de subventions et les taux d&#039;int\u00e9r\u00eat peuvent atteindre 10% par an.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Conseils pour b\u00e9n\u00e9ficier du programme<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Planifiez-vous financi\u00e8rement<\/strong>: Avant de s&#039;inscrire au programme, il est important de faire une analyse financi\u00e8re et de comprendre combien il est possible de d\u00e9bourser pour les versements de financement. Rappelons que le programme n\u00e9cessite une contribution financi\u00e8re des familles b\u00e9n\u00e9ficiaires.<\/li>\n\n\n\n<li><strong>Cherchez un agent immobilier fiable<\/strong>: Pour choisir la propri\u00e9t\u00e9 id\u00e9ale, il est important d&#039;avoir l&#039;aide d&#039;un agent immobilier de confiance. Il peut vous aider \u00e0 trouver des options au sein de votre profil et \u00e0 n\u00e9gocier les meilleures conditions.<\/li>\n\n\n\n<li><strong>Faites attention aux d\u00e9lais et aux documents<\/strong>: Le processus d&#039;accession \u00e0 la propri\u00e9t\u00e9 par les <strong>&quot;Ma maison, ma vie<\/strong>\u00bb peut \u00eatre bureaucratique et chronophage. Par cons\u00e9quent, il est important d&#039;\u00eatre conscient des d\u00e9lais et des documents requis, afin d&#039;\u00e9viter les retards et les inconv\u00e9nients. Lisez attentivement toutes les informations disponibles sur le programme et demandez de l&#039;aide si n\u00e9cessaire.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">Conclusion<\/h3>\n\n\n\n<p>Pour participer au programme, il faut r\u00e9pondre aux crit\u00e8res de revenus \u00e9tablis et chercher une agence du <strong><a href=\"https:\/\/www.caixa.gov.br\/voce\/habitacao\/minha-casa-minha-vida\/Paginas\/default.aspx\">Caixa Econ\u00f4mica Federal <\/a><\/strong>ou de <strong>Banque du Br\u00e9sil<\/strong> pour plus d&#039;informations et pour demander un financement ou une subvention.<\/p>","protected":false},"excerpt":{"rendered":"<p>Le programme \u00ab Minha Casa, Minha Vida \u00bb cr\u00e9\u00e9 par le gouvernement f\u00e9d\u00e9ral br\u00e9silien en 2009. Dans le but de permettre l&#039;acc\u00e8s \u00e0 un logement d\u00e9cent aux familles \u00e0 faibles revenus. Depuis, le\u2026 <\/p>","protected":false},"author":14,"featured_media":604,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[381],"tags":[],"class_list":["post-602","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-social","latest_post"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Minha Casa, Minha Vida - dicas - Economia Portal<\/title>\n<meta name=\"description\" content=\"Conhe\u00e7a o programa do Governo Federal, Minha Casa Minha Vida, criado em 2009, que tem ajudado muitas fam\u00edlias a ter a sua casa pr\u00f3pria.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/economiaportal.com\/fr\/602\/ma-maison-ma-vie-conseils\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Minha Casa, Minha Vida - dicas - Economia Portal\" \/>\n<meta property=\"og:description\" content=\"Conhe\u00e7a o programa do Governo Federal, Minha Casa Minha Vida, criado em 2009, que tem ajudado muitas fam\u00edlias a ter a sua casa pr\u00f3pria.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/economiaportal.com\/fr\/602\/ma-maison-ma-vie-conseils\/\" \/>\n<meta property=\"og:site_name\" content=\"Economia Portal\" \/>\n<meta property=\"article:published_time\" content=\"2023-04-10T20:38:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/economiaportal.com\/wp-content\/uploads\/2023\/04\/casa-minha-vida.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/economiaportal.com\/602\/minha-casa-minha-vida-dicas\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/economiaportal.com\/602\/minha-casa-minha-vida-dicas\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/economiaportal.com\/#\/schema\/person\/1633c7ca22d836a68c8907ef39e510f5\"},\"headline\":\"Minha Casa, Minha Vida &#8211; 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