{"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":"moj-dom-moji-zivotni-savjeti","status":"publish","type":"post","link":"https:\/\/economiaportal.com\/hr\/602\/minha-casa-minha-vida-dicas\/","title":{"rendered":"Moja ku\u0107a, moj \u017eivot \u2013 savjeti"},"content":{"rendered":"<p>Program <strong>&quot;Moj dom, moj \u017eivot&quot;<\/strong> koju je stvorila brazilska savezna vlada 2009.<\/p>\n\n\n\n<p>S ciljem osiguravanja pristupa pristojnom stanovanju obiteljima s niskim primanjima. <\/p>\n\n\n\n<p>Od tada je program isporu\u010dio vi\u0161e od 5 milijuna stambenih jedinica diljem zemlje. <\/p>\n\n\n\n<p>U ovom \u0107emo \u010dlanku raspravljati o tome kako program radi i dati tri savjeta za one koji \u017eele imati koristi od njega.<\/p>\n\n\n\n<figure class=\"wp-block-pullquote\"><blockquote><p><a href=\"https:\/\/economiaportal.com\/hr\/595\/fies-upoznati\/\">FIES \u2013 Upoznajte ovaj program savezne vlade<\/a><\/p><cite>VIJESTI<\/cite><\/blockquote><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Rad programa<\/h3>\n\n\n\n<p>Prvo,<strong>Moj dom, moj \u017eivot<\/strong>\u201d namijenjen obiteljima s mjese\u010dnim prihodom do 7 tisu\u0107a R$.<\/p>\n\n\n\n<p>Koji ne posjeduju dom ili stambena sredstva na svoje ime. <\/p>\n\n\n\n<p>Program nudi subvencije za kupnju ili izgradnju ku\u0107e, uz ni\u017ee kamatne stope na financiranje nekretnina. <\/p>\n\n\n\n<p>Zainteresirane obitelji moraju se registrirati u svojim gradskim vije\u0107nicama ili partnerskim subjektima programa, poput stambenih zadruga i udruga susjedstava.<\/p>\n\n\n\n<p>Ukratko, program ima \u010detiri dohodovna razreda koji odre\u0111uju visinu subvencije i uvjete <a href=\"https:\/\/economiaportal.com\/hr\/595\/fies-upoznati\/\">financiranje<\/a>. <\/p>\n\n\n\n<p>Na <strong>pjesma 1<\/strong>, namijenjen obiteljima s prihodom do 1,8 tisu\u0107a R$. <\/p>\n\n\n\n<p>Subvencija mo\u017ee dose\u0107i 90% vrijednosti nekretnine, a financiranje se provodi po kamatnim stopama od 4,5% godi\u0161nje. <\/p>\n\n\n\n<p>Na <strong>staza 2<\/strong>, za obitelji s prihodom izme\u0111u 1,8 tisu\u0107a R$ i 2,6 tisu\u0107a R$.<\/p>\n\n\n\n<p>Subvencija mo\u017ee dose\u0107i 29 tisu\u0107a R$, a kamatne stope su do 6% godi\u0161nje. <\/p>\n\n\n\n<p>ve\u0107 unutra <strong>staza 3<\/strong>, za obitelji s prihodom izme\u0111u R$ 2,6 tisu\u0107a i R$ 4 tisu\u0107e.<\/p>\n\n\n\n<p>Subvencija iznosi do 27.500 R$, a kamatne stope se kre\u0107u od 7% do 8% godi\u0161nje. <\/p>\n\n\n\n<p>Kona\u010dno, u <strong>pjesma 4<\/strong>, za obitelji s prihodom izme\u0111u R$ 4 tisu\u0107e i R$ 7 tisu\u0107a.<\/p>\n\n\n\n<p>Nema subvencija, a kamate su do 10% godi\u0161nje.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Savjeti za iskori\u0161tavanje prednosti programa<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Planirajte se financijski<\/strong>: Prije upisa u program va\u017eno je napraviti financijsku analizu i shvatiti koliko je mogu\u0107e platiti rate financiranja. Ne zaboravite da program zahtijeva financijski doprinos obitelji korisnika.<\/li>\n\n\n\n<li><strong>Potra\u017eite pouzdanog posrednika za nekretnine<\/strong>: Za odabir idealne nekretnine va\u017eno je imati pomo\u0107 posrednika za nekretnine od povjerenja. On vam mo\u017ee pomo\u0107i prona\u0107i opcije unutar va\u0161eg profila i dogovoriti najbolje uvjete.<\/li>\n\n\n\n<li><strong>Obratite pozornost na rokove i dokumente<\/strong>: Proces posjedovanja ku\u0107e od strane <strong>\u201eMoj dom, moj \u017eivot<\/strong>\u201d mo\u017ee biti birokratski i dugotrajan. Stoga je va\u017eno znati koji su potrebni rokovi i dokumenti kako biste izbjegli ka\u0161njenja i neugodnosti. Pa\u017eljivo pro\u010ditajte sve dostupne informacije o programu i po potrebi potra\u017eite pomo\u0107.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">Zaklju\u010dak<\/h3>\n\n\n\n<p>Za sudjelovanje u programu potrebno je zadovoljiti utvr\u0111ene kriterije primanja i potra\u017eiti agenciju <strong><a href=\"https:\/\/www.caixa.gov.br\/voce\/habitacao\/minha-casa-minha-vida\/Paginas\/default.aspx\">Caixa Econ\u00f4mica Federal <\/a><\/strong>ili od <strong>Bank of Brazil<\/strong> za vi\u0161e informacija i prijavu za financiranje ili potporu.<\/p>","protected":false},"excerpt":{"rendered":"<p>Program \u201cMinha Casa, Minha Vida\u201d koji je stvorila brazilska savezna vlada 2009. godine. S ciljem pru\u017eanja pristupa pristojnom stanovanju obiteljima s niskim primanjima. Od tada,\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\/hr\/602\/moj-dom-moji-zivotni-savjeti\/\" \/>\n<meta property=\"og:locale\" content=\"hr_HR\" \/>\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\/hr\/602\/moj-dom-moji-zivotni-savjeti\/\" \/>\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=\"Napisao\/la\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Procijenjeno vrijeme \u010ditanja\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minute\" \/>\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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