Question 1

Who can buy a house at Granville through Minha Casa Minha Vida?

Accepted Answer

In general, families with a gross monthly income of up to R$ 13,000 who do not yet own a residential property. Foreign residents should check their case with the broker, as the program has residency and documentation requirements. The program bracket, interest, subsidy and other rules depend on income and on Caixa’s credit analysis.

Question 2

How does the R$ 20,000 Cohapar subsidy work?

Accepted Answer

It is Casa Fácil Paraná, a Paraná State Government program. Families with gross income up to R$ 6,484 (four minimum wages), without a home of their own and not previously served by a housing program may receive R$ 20,000, applied directly to the Caixa financing contract.

Question 3

Can the Minha Casa Minha Vida subsidy be combined with Cohapar’s?

Accepted Answer

Yes, when the family qualifies for both. The Minha Casa Minha Vida discount applies to brackets 1 and 2 (income up to R$ 5,000) and can reach R$ 55,000, depending on income, city and property value. Cohapar adds R$ 20,000 for income up to R$ 6,484. The exact amount comes out of Caixa’s analysis.

Question 4

How much do I need to reserve the house?

Accepted Answer

The reservation deposit is R$ 1,500. The rest of the down payment, if any, is covered by subsidies, FGTS and the conditions agreed with the builder, according to your simulation.

Question 5

Can I use my FGTS?

Accepted Answer

Yes, if you add up 3 years or more of formal employment, consecutive or not, and meet the other FGTS rules for buying a home. With 3 years of FGTS, the Minha Casa Minha Vida interest rate is also 0.5 point lower.

Question 6

What does off-plan financing mean?

Accepted Answer

You sign the financing with Caixa during construction. In that phase, monthly charges follow the progress of the works; the financing installments start after construction ends. Handover is expected for September 2028.

Question 7

What does a R$ 259,000 Caixa appraisal mean?

Accepted Answer

That, for Caixa, the house is worth R$ 9,000 more than the starting price of R$ 250,000. To calculate the financing, Caixa uses the lower of the two values.

Question 8

How big are the house and the lot?

Accepted Answer

The house has 43.45 m² of private area, with 2 bedrooms, living room, kitchen with laundry, bathroom and one uncovered parking space. The backyard is about 35 m², the side passage is 1.60 m wide and lots range from 132.98 m² to 218.05 m².

Question 9

Is the development registered?

Accepted Answer

Yes. The development is registered under R-05/112.989, according to the materials of the builder Village Construções.

Question 10

Is this a Caixa or government website?

Accepted Answer

No. This is the page of broker Jaqueline Schmitt (CRECI F57901), who handles Residencial Granville. Financing is provided by Caixa and the subsidies come from Minha Casa Minha Vida and Cohapar, but this page is not official for them or for the builder.

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