In a country as large as Brazil, the Minha Casa, Minha Vida program often fails to meet housing demand. Although several developers and construction companies participate in this financing, many states have a population that is much larger than the number of housing constructions completed.
As a result, the creation of a program aimed at addressing the housing uk business email database free in one of the largest cities in the country in terms of population became a long-term solution. In this article, you will learn more about Casa Paulista, its membership and main features.
Summary
What is Casa Paulista?
What is the impact of this program in 2023?
What types of subsidies does Casa Paulista offer?
The benefits of Casa Paulista
My House, My Life and Casa Paulista: What are the differences?
What are the rules of the Casa Paulista program?
What you have learned so far:
Do you already know CV CRM?
House in São Paulo: image of a table with a miniature house on top, next to a key. In the background, out of focus, two people look forward.
What is Casa Paulista?
Quality housing for the national population has always been a matter of debate. In metropolises with large concentrations of people, problems surrounding housing end up being a major headache for the state government .
In order to speed up the process and reach a specific audience in its state, the government of São Paulo presented a proposal for its own housing program . Casa Paulista was launched in 2011 , however, the program only came into effect in 2012 .
The main purpose of the Casa Paulista program is to offer a letter of credit to families living in São Paulo who are seeking to acquire their own home . It is used as a subsidy , that is, it makes it possible to reduce the value of the property, increasing the possibility of purchase .
The program initially covered people with a gross family income of up to R$5,400.00 . However, it was modified and began offering credit to low-income families and even building affordable housing for the population registered with Casa Paulista.
What is the impact of this program in 2023?
The capital São Paulo is one of the largest cities in Brazil in terms of population, with 11 million inhabitants, and the other cities in the state have a total of over 33 million residents. But how do these numbers impact the Casa Paulista program ?
With such a large population , the lack of quality housing became a major government concern during the 2010s . Actions to deliver properties to the low-income population or facilitate the acquisition of home ownership were highlighted by the MCMV program , so the state government of São Paulo modeled itself on this to create this project .
Now, in 2023 , the program gained notoriety after granting the subsidy to a population that earns up to R$3,960.00 reais per month and making available, through private initiative , 20 thousand homes . In this way, in addition to providing an increase in the quality of housing for the population, the heating up of the state's real estate market becomes evident.
What types of subsidies does Casa Paulista offer?
São Paulo house: table with a miniature house, next to a glass jar with some coins inside.
Subsidies are amounts made available as credit to reduce the value of properties that adhere to this type of action . At Casa Paulista , the so-called cuts have 4 types of application, which are:
Cut 1 – R$ 16,000.00 for the city of São Paulo
Cut 2 – R$ 13,000.00 for Metropolitan Regions of SP with 100,000 or more inhabitants
Cut 3 – R$11,000.00 for municipalities with a population of 250,000 or more
Cut 4 – R$10,000.00 for municipalities with a population of less than 250,000 inhabitants
This means that the letters of credit available to the population of São Paulo vary according to not only the type of property , but also their location . The payment terms for this credit vary from 120 months to 160 months .