Minha Casa Minha Vida

Best high-yield investment country. Invest in Brazil´s growing economy. Brazil – “Minha Casa Minha Vida”

  • This middle class housing development scheme is a unique capital investment.
  • The program is financed by the ‘Caixa Economica Federal’ state bank.
  • Returns of up to 145 % – Full capital investment returned.
  • The Brazilian government has pledged to build 5 million properties before the end of 2015 under the “Minha Casa Minha Vida” program.
  • Development is carried out by ValueBiz Brazil Ltda. In Salvador da Bahia and construction is carried out by one of Bahia’s most reputable and financially solid property and contractor company, Sampa Ltda.
  • In Bahia alone there are over 100,000 families on the Banks waiting list, ready and approved for the “Minha Casa Minha Vida” scheme.


In March 2009, President Lula da Silva started the “Minha Casa, Minha Vida” (My Home, My Life) urban housing program, with the slogan “homes for families, wages for workers, and development for Brazil”. Brazil’s new  president Dilma Rousseff has praised the program and has expanded the program due to its great success.

After several expansions the program now includes building of 5 million homes by the end of 2015. This flagship government program has a budget of R$ 100 billion to reduce the housing shortage among Brazil’s low income families.

Home ownership “will be a dream come true” for millions of Brazilians currently unable to get on the property ladder because of their relative wages and because of the housing shortage which is estimated at a shortfall of some 8 million homes.

Some 2,2 million homes have been allocated to families earning between 1 and 3 times the minimum monthly wage (R$545), and 1,8 million homes will be built for families with salaries between 4 and 6 times the minimum wage and 1 million homes for families whose wages come between 7 and 10 times the minimum wage. Qualifying families will receive tax exemptions and reductions, and preferential mortgages, depending on their income.

The actual funding of the program is done through state bank Caixa Economica Federal, and state pensions found FGTS. Caixa Econimica Federal bank provides funds for developers and mortgages for homeowners. Mortgage terms are highly favorable. Long-term finance is available for up to 30 years and at preferential interest rates (up to 5 times the minimum wage qualifies for 6% annual interest). Monthly mortgage repayments average approximately R$280, around a third less than a monthly rental payment.

The program has been hugely popular and there are long waiting lists for homes in most urban areas of Brazil. Thousands of Brazilians visited the “Caixa: Own-Home Exhibition” held throughout Brazil and record numbers registered interest in “Minha Casa, Minha Vida” homes. According to statistics released by the Caixa Economica Federal Bank, in Q3 of 2010 the bank financed 125,000 homes with a value of R$7.3 billion.