Simulate the Brazilian Minha Casa Minha Vida federal program: discover your income tier (Faixa 1, 2, or 3), non-repayable government subsidy (up to R$ 55,000), and subsidized interest rates.
Combined gross earnings of all household members.
MCMV ceiling up to R$ 350,000 in Faixa 3.
\text{Financiamento} = \text{Valor Imóvel} - \text{Subsídio(Faixa)} - \text{Entrada Própria}; \quad \text{Parcela} \le 0,30 \times \text{Renda Familiar}Minha Casa Minha Vida grants direct non-repayable subsidies for Faixas 1 and 2, along with below-market interest rates financed via FGTS funds. Monthly installments cannot exceed 30% of verified gross family income.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, underwriting, or legal advice. Actual interest rates, closing costs, lender fees, and statutory criteria may vary. Calconova explicitly disclaims all liability for any financial decisions or actions taken based upon these calculations. Users are strongly advised to consult a certified financial planner, CPA, or licensed lending officer prior to executing financial commitments.
Simulate annual FGTS birthday withdrawals under Caixa's 7 official statutory tiers (5% to 50% + fixed bonus) and estimate loan advances up to 10 years.
Compare Brazilian real estate financing under SAC (decreasing payments) vs. Price (fixed payments), including TR index, MIP/DFI mandatory insurance, and bank fees.
Simulate lump-sum extra amortizations on Brazilian mortgages. Compare interest savings and eliminated months when reducing loan term versus lowering monthly payment.