President Luiz Inácio Lula da Silva signed this Thursday (13) the bill that creates the new Minha Casa, Minha Vida (MCMV) program. Among the novelties are the expansion of access for income groups; the reduction of fees; and the increase in the subsidy for the acquisition of real estate. During the launch ceremony of the new edition of the program, Lula recalled that the housing deficit is a historical and chronic problem in Brazil. “In 1974, in the first successful campaign of the PMDB, it was said that Brazil had a housing deficit of 7 million homes. That was 48 years ago. Today I see people saying that we still have a deficit of 6 to 7 million homes, even with the MCMV program building 6 million homes in recent years”, said the president. “This demonstrates the need for the State to feel obliged to make this reparation”, he added. The new rules were already in force since the last 7th, due to MP 1.162/23, approved in February by the National Congress. According to Planalto, by the beginning of July, 10,094 units had already been delivered in 14 states. The investment, until then, was already at R$ 1.17 billion. According to Planalto, with the new rules homeless people will also be able to access the program. The forecast is that, by the end of the year, another 8 thousand housing units will be delivered, and that 21.6 thousand works will be resumed. The goal is to hire 2 million homes by 2026. Before the signing ceremony, Lula had already commented on the new stage of the program, via social networks: Good morning. Today we begin a new stage in Minha Casa, Minha Vida, with the expansion of income ranges, reduction of fees and increase in subsidy for the acquisition of properties. The dream of owning a home coming true for more and more Brazilian families. — Lula (@LulaOficial) July 13, 2023 Income ranges Both the income ranges for beneficiaries and the amount to be financed were expanded. As a result, Track 1 of the program will include families with a monthly income of up to R$2,640. Level 2 will include families with an income between R$2,640 and R$4,400; and Level 3, for families with a monthly income between R$4,400 and R$8,000. Regarding the value of the property, the maximum financing will be R$ 170,000 for developments aimed at Level 1; BRL 264 thousand for Level 2; and BRL 350,000 for Level 3. In the case of rural MCMV, the maximum value for new housing increased from BRL 55,000 to BRL 75,000. Financing for improving a house went from R$ 23,000 to R$ 40,000. Interest rates vary according to region and income, ranging from 4% per annum to 5.5%, in the case of Tier 1; from 4.75% to 7% for Band 2; and from 7.66% to 8.16% for Level 3. The federal government also increased the discounts offered to families who access financing with FGTS resources for the acquisition of property – from R$ 45.7 thousand to R$ $55,000, restricted to Tier 1 beneficiaries. According to Planalto, this limit has not been revised since 2017 The monthly installments paid by Tier 1 beneficiaries will be proportional to income, with a minimum amount of R$80, over a period of 5 years. Advances The new MCMV hires also bring improvements in the specifications of the properties. Among the improvements are the increase in the minimum area of the units, of 40 square meters (m²) for houses and 41.50 m² for apartments; and the creation of verandas “to offer residents additional space”. In addition, the sets must have a library room and equipment for sports practice. Also among the improvements is the need for the land to be located in the urban fabric, close to complete infrastructure already installed and consolidated – which includes access to public education, health and social assistance equipment, as well as access to commerce and services and public transport. collective. “Best qualified land can receive an additional value in its acquisition, encouraging the quality and suitability of the developments’ locations”, added Planalto. Repercussion According to the president of the Brazilian Construction Industry Chamber (CBIC), Renato de Souza Correia, more than 6 million homes have already been built thanks to the program, since its first version, in 2009. evaluated the new version of the program as “positive”: “The CBIC evaluates the current version of the MCMV very positively, as it once again contemplates, with Union resources, the most needy portion of the Brazilian population, which suffers from precarious housing and very expensive rents. The government would already be congratulated if it stayed only on this part, but it did more: it adjusted the program in the ranges financed by the FGTS.” According to the Minister of Cities, Jader Filho, the obstacles and delay promoted by the previous government left 186,000 housing units unfinished. “Of these, 83 thousand units were paralyzed”, said the minister. He added that the program managed to take back more than 17,000 homes and has already delivered more than 10,000 homes, benefiting more than 100,000 Brazilians looking for housing. Representative of the Popular Peasant Movement, Jéssica Briito recalled that the current edition of the MCMV was only possible in the countryside, as a public policy, after much dialogue and demands on the part of the peasants. “It only reached the different rural populations, in all regions of the country, thanks to the partnership with rural movements that historically fight for agrarian reform; for the recognition of the peasantry in the permanent task of producing food; and for the struggle for better conditions of production and life in the countryside. These organizations dared to fight and claim the right to housing for these populations,” she said. “Country housing, for us, is an element of permanence for families in the countryside. More than that, it is also an element of transformation in the self-esteem of rural women, because we women are the ones who feel firsthand the hardship of not having a roof over our heads and a safe home for our children. We are greatly strengthened by the resumption of this program, having rural women as one of the main service criteria.” Representative of the National Confederation of Residents’ Associations, Bartira Costa defended the prioritization of urban policies, as a “priority agenda for urban development in Brazil, with the city as a right and not just as housing”; the “immediate resumption” of the Council of Cities ; and the convening of the Conference of Cities. “We also need to guarantee the universalization of access to basic sanitation services for all people, regardless of location and housing conditions, as well as payment capacity. For this, it is essential to strengthen companies and public sanitation services; resuming plan investments as a planning tool. Sanitation should be seen as a strategic policy for the development of Brazil, conditioning the quality of life in cities”, he said.
Agência Brasil
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