CAIXA launches credit line in real estate without having to make a down payment

Officially started on November 3, 2021, the Habite Seguro Program guarantees special conditions for security agents.

The program had been launched in September of that year by the Ministry of Justice and Public Security and real estate financing will be provided by Caixa Econômica Federal.

Therefore, for security agents who wish to finance real estate, the possibility of credit that does not require a down payment is now available.

(Read “Microcredit Caixa will release up to R$1,000 after the end of emergency aid” clicking here).

The Federal Government states that the program comes to comply with Law nº 13.675/2018, responsible for establishing the Unified Public Security System (SUSP).

Since, among the support measures provided for in the Law, there is the promotion of a housing system for national security and defense professionals.

See who these agents are.

Police officers, experts, firefighters and others are entitled to the line of credit

Among the professionals who can apply for credit are firefighters, penitentiary agents, police, experts and papilloscopies in Brazil.

This professional category must have greater subsidies than the rest of the population in the financing process.

Among the most noteworthy benefits is access to financing without down payment, a rare benefit in other financing modalities, including Caixa.

In addition, inactive security agents from the paid reserve, in addition to retirees and retirees, are also entitled to the program.

To access the subsidy, the security agent must have a gross income of up to R$7,000 and not own a property.

How the funding application will work

The financing can be used for own home in an amount of up to R$ 300 thousand, either in the acquisition of new or used properties.

Furthermore, units of developments financed by Caixa or in the construction of individual properties, including through the Casa Verde e Amarela Program, will also be available.

The Program also provides for the possibility of financing 100% of the value of the property, using subsidies of up to R$ 13,000 from the National Public Security Fund.

In order for the request to be made, the professional must prove employment with an employer.

Finally, the receipt model is available on the Habite Seguro Program website, under the option “Como Aderir”.

So, interested in knowing more details about other social benefits? Access the School Education and stay well informed. Access here!