{"id":5824,"date":"2023-03-21T23:00:00","date_gmt":"2023-03-21T23:00:00","guid":{"rendered":"https:\/\/tvemfoco.com\/?p=5824"},"modified":"2023-03-20T23:53:33","modified_gmt":"2023-03-20T23:53:33","slug":"programa-minha-casa-minha-vida","status":"publish","type":"post","link":"https:\/\/tvemfoco.com\/ro\/programa-minha-casa-minha-vida\/","title":{"rendered":"Programul Minha Casa Minha Vida: verifica\u021bi cum s\u0103 v\u0103 garanta\u021bi proprietatea"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Realizarea visului de a de\u021bine propria cas\u0103 nu a fost niciodat\u0103 at\u00e2t de aproape<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"597\" loading=\"lazy\" src=\"https:\/\/tvemfoco.com\/wp-content\/uploads\/2023\/03\/AdobeStock_322066808-1024x597.jpeg\" alt=\"imagem de uma m\u00e3o de homem segurando uma miniatura de casa\" class=\"w-full object-cover object-center border mx-auto wp-image-5882\" srcset=\"https:\/\/tvemfoco.com\/wp-content\/uploads\/2023\/03\/AdobeStock_322066808-1024x597.jpeg 1024w, https:\/\/tvemfoco.com\/wp-content\/uploads\/2023\/03\/AdobeStock_322066808-300x175.jpeg 300w, https:\/\/tvemfoco.com\/wp-content\/uploads\/2023\/03\/AdobeStock_322066808-768x448.jpeg 768w, https:\/\/tvemfoco.com\/wp-content\/uploads\/2023\/03\/AdobeStock_322066808-1536x895.jpeg 1536w, https:\/\/tvemfoco.com\/wp-content\/uploads\/2023\/03\/AdobeStock_322066808-2048x1194.jpeg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\">Realizeaz\u0103-\u021bi visul. Sursa: Adobe Stock<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Dac\u0103 dorin\u021ba ta este s\u0103-\u021bi achizi\u021bionezi propria cas\u0103 \u0219i cau\u021bi mai multe informa\u021bii despre cum s\u0103 atingi acest obiectiv, te afli \u00een locul potrivit. Programul Minha Casa Minha Vida a fost creat pentru a v\u0103 satisface nevoile.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>La urma urmei, este o ini\u021biativ\u0103 a guvernului federal al c\u0103rei obiectiv este de a oferi acces la locuin\u021be decente familiilor cu venituri mici din \u00eentreaga \u021bar\u0103.\u00a0<\/p>\n<\/div><div class=\"wp-block-lazyblock-credit-card lazyblock-credit-card-1EtpsH\"><section class=\"credit-card mx-5 sm:mx-0 text-gray-600 body-font  my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n  <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n    <div class=\"w-24 h-full\"><\/div>\n  <\/div>\n  <div class=\"container px-5 sm:px-0 py-6 mx-auto\" data-anchor-target=\"lazyBlock\">\n    <div class=\"flex flex-wrap mx-auto\">\n      <a class=\"lg:w-2\/5 w-full lg:pl-6 mt-6 lg:mt-0\" href=\"https:\/\/www.caixa.gov.br\/voce\/habitacao\/minha-casa-minha-vida\/urbana\/Paginas\/default.aspx\" data-analytics-label=\"creditCardImage\" data-action=\"analytics#trackCTA\" >\n        <img decoding=\"async\" class=\"w-full h-64 object-cover object-center rounded\" loading=\"lazy\" alt=\"card\" style=\"height: 190px;\" src=\"https:\/\/tvemfoco.com\/wp-content\/uploads\/2023\/03\/AdobeStock_158808104-1-scaled.jpeg\">\n      <\/a>\n      <div class=\"lg:w-3\/5 w-full lg:pl-6 mt-6 lg:mt-0\">\n        <h2 class=\"text-sm title-font text-gray-500 tracking-widest uppercase\">\n          Program        <\/h2>\n        <h1 class=\"text-gray-900 text-3xl title-font font-medium mb-1\">\n          Casa mea, via\u021ba mea        <\/h1>\n        <div class=\"flex mb-4 justify-center sm:justify-start\">\n          \n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              a visa la            <\/span>\n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              Propria acas\u0103            <\/span>\n                    \n        <\/div>\n        <p class=\"leading-relaxed\">\n          \u00censcrie-te \u0219i garanteaz\u0103-\u021bi oportunitatea de a avea casa de vis.        <\/p>\n        <div class=\"flex mt-6 items-center pb-5 border-b-2 border-gray-100 mb-5\">\n          \n        <\/div>\n        <div class=\"flex\">\n          <a data-km2-rewarded=\"true\" style=\"font-size: 13px;\" class=\"hidden animate-fade-in flex m-auto sm:mr-0 sm:ml-auto\" rel=\"sponsored\" href=\"https:\/\/www.caixa.gov.br\/voce\/habitacao\/minha-casa-minha-vida\/urbana\/Paginas\/default.aspx\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button class=\"uppercase flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-4 focus:outline-none rounded  disabled:opacity-50\">\n              Inregistreaza-te            <\/button>\n          <\/a>\n          <a data-km2-rewarded=\"false\" style=\"font-size: 15px;\" class=\"flex m-auto sm:mr-0 sm:ml-auto\" rel=\"sponsored\" href=\"https:\/\/www.caixa.gov.br\/voce\/habitacao\/minha-casa-minha-vida\/urbana\/Paginas\/default.aspx\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button id=\"offer-first\" class=\"flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-6 focus:outline-none rounded  disabled:opacity-50\">\n              Inregistreaza-te            <\/button>\n          <\/a>\n        <\/div>\n        <p class=\"text-xs text-gray-500 mt-3 text-center sm:text-right\">\n          Vei fi redirec\u021bionat c\u0103tre un alt site web        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n    <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button data-no-translation class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/www.caixa.gov.br\/voce\/habitacao\/minha-casa-minha-vida\/urbana\/Paginas\/default.aspx\" rel=\"sponsored\" data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img decoding=\"async\" loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/tvemfoco.com\/wp-content\/uploads\/2023\/03\/AdobeStock_158808104-1-scaled.jpeg\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                \u00censcrie-te \u0219i garanteaz\u0103-\u021bi oportunitatea de a avea casa de vis...              <\/p>\n              <a href=\"https:\/\/www.caixa.gov.br\/voce\/habitacao\/minha-casa-minha-vida\/urbana\/Paginas\/default.aspx\" rel=\"sponsored\" data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Inregistreaza-te                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Vei fi redirec\u021bionat c\u0103tre un alt site web              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n<\/section><\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>\u00cen acest articol, vom explora toate etapele procesului de \u00eenregistrare, de la alegerea propriet\u0103\u021bii p\u00e2n\u0103 la semnarea contractului de finan\u021bare, precum \u0219i oferirea de sfaturi utile pentru cei care doresc s\u0103 participe la program.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Urm\u0103ri\u021bi textul integral \u0219i descoperi\u021bi cum s\u0103 v\u0103 transforma\u021bi visul de a de\u021bine propria cas\u0103 \u00een realitate.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-quais-sao-os-requisitos-para-participar-do-programa\">Care sunt cerin\u021bele pentru a participa la program?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Pentru \u00eenscrierea la Programul Minha Casa Minha Vida este esen\u021bial ca persoana s\u0103 fie informat\u0103 cu privire la criteriile stipulate anterior. Mai jos le prezentam pe cele principale:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Nu ave\u021bi propriet\u0103\u021bi imobiliare pe numele dumneavoastr\u0103 \u0219i nu ave\u021bi leg\u0103tur\u0103 cu un \u00eemprumut pentru locuin\u021be;<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Nu au primit niciun beneficiu de la guvern;<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Nu utiliza\u021bi spa\u021biul \u00een scopuri comerciale;<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>A fi \u00een afara Registrului Na\u021bional al \u00cemprumuta\u021bilor sau Registrului Informativ al Creditelor Nepl\u0103tite al Sectorului Public Federal este o condi\u021bie necesar\u0103.<\/li>\n<\/div><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>\u00cendeplinirea acestor cerin\u021be este esen\u021bial\u0103 pentru ca candidatul s\u0103 se \u00eenscrie \u00een program \u0219i s\u0103 aib\u0103 \u0219ansa de a-\u0219i realiza casa visat\u0103.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-como-se-inscrever-no-programa-minha-casa-minha-vida\">Cum m\u0103 \u00eenscriu \u00een programul Minha Casa Minha Vida?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>De men\u021bionat c\u0103 procedura de \u00eenregistrare la Programul Minha Casa Minha Vida este restr\u00e2ns\u0103 la categoria de venit 1, adic\u0103 familiile cu un venit de p\u00e2n\u0103 la R$2.640,00.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>\u00cen primul r\u00e2nd, familiile trebuie s\u0103 se \u00eenregistreze pentru planul de locuin\u021be al guvernului la prim\u0103ria ora\u0219ului \u00een care locuiesc. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Apoi, cu datele validate de Caixa, familiile agreate primesc informa\u021bii despre data extragerii locuin\u021belor.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>\u00cen cele din urm\u0103, dup\u0103 selec\u021bie, familia semneaz\u0103 contractul de proprietate. \u0218i acum po\u021bi s\u0103rb\u0103tori c\u0103 de\u021bii prima ta cas\u0103.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-como-contratar-o-financiamento-pela-caixa\">Cum pot ob\u021bine finan\u021bare de la Caixa?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" loading=\"lazy\" src=\"https:\/\/tvemfoco.com\/wp-content\/uploads\/2023\/03\/AdobeStock_329376481-1-1-1024x683.jpeg\" alt=\"chave na porta\" class=\"w-full object-cover object-center border mx-auto wp-image-5885\" srcset=\"https:\/\/tvemfoco.com\/wp-content\/uploads\/2023\/03\/AdobeStock_329376481-1-1-1024x683.jpeg 1024w, https:\/\/tvemfoco.com\/wp-content\/uploads\/2023\/03\/AdobeStock_329376481-1-1-300x200.jpeg 300w, https:\/\/tvemfoco.com\/wp-content\/uploads\/2023\/03\/AdobeStock_329376481-1-1-768x512.jpeg 768w, https:\/\/tvemfoco.com\/wp-content\/uploads\/2023\/03\/AdobeStock_329376481-1-1-1536x1024.jpeg 1536w, https:\/\/tvemfoco.com\/wp-content\/uploads\/2023\/03\/AdobeStock_329376481-1-1-2048x1365.jpeg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\">Angajarea programului Minha Casa Minha Vida. Sursa: Adobe Stock<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>\u00cen acela\u0219i timp, \u00een cazul benzilor de venit 2 \u0219i 3, procesul pas cu pas este pu\u021bin diferit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>\u00cen acest caz, o companie participant\u0103 sau Caixa v\u0103 poate angaja. Astfel, familia alege proprietatea dorit\u0103 \u0219i acum poate simula finan\u021barea pe site-ul Caixa.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Dup\u0103 alegerea op\u021biunii de finan\u021bare \u0219i aprobarea simul\u0103rii, documenta\u021bia este livrat\u0103 unei sucursale sau corespondent Caixa Aqui. Dup\u0103 toat\u0103 validarea, familia semneaz\u0103 contractul.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Pe scurt, merit\u0103 amintit c\u0103, \u00een toate categoriile de venituri, familia trebuie s\u0103 respecte cerin\u021bele Programului Minha Casa Minha Vida \u0219i s\u0103 aib\u0103 actele necesare pentru \u00eenscriere.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>\u00cen cele din urm\u0103, dac\u0103 acest program nu este \u00eenc\u0103 pentru dvs., afla\u021bi despre alte op\u021biuni de asisten\u021b\u0103 din Cad\u00danico. \u00cen articolul de mai jos ve\u021bi avea acces la con\u021binutul complet.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z19TdpT\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/tvemfoco.com\/ro\/cadunico\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cad\u00danico\">\n          <div class=\"m-auto float-none\">\n            <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/tvemfoco.com\/wp-content\/uploads\/2023\/03\/cadunico-scaled.jpeg\" alt=\"cad\u00fanico\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/tvemfoco.com\/ro\/cadunico\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cad\u00danico\">\n            Cad\u00danico        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Consulta\u021bi tot ce v\u0103 poate oferi programul.        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/tvemfoco.com\/ro\/cadunico\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continu\u0103 s\u0103 cite\u0219ti            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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