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Program · PMCMV

Minha Casa, Minha Vida Program (My House, My Life)

Problem
According to the Statement of Reasons of MP 459/2009, previous housing programs for the lowest-income population were insufficient and did not prevent the growth of the housing deficit.
Who it serves
In the 2009 version, families with monthly income of up to ten minimum wages; under Law 14,620/2023, urban families with gross monthly family income of up to R$8,000.00 and rural families with gross annual family income of up to R$96,000.00, divided into brackets.
How it works
Incentive for the production and acquisition of new housing units, with subsidies from the Union and housing financing, created by MP 459/2009, converted by the National Congress into Law 11,977/2009, using already existing funds, the FAR and the FDS. In 2021, Law 14,118 established the Casa Verde e Amarela Program; Law 14,620/2023 again provided for Minha Casa, Minha Vida.

Housing

Relation to the Lula governments

Created under Lula · Second term (2007 to 2010) · since March 2009

Provisional Measure No. 459 of March 25, 2009, signed by Luiz Inácio Lula da Silva, Tarso Genro, Guido Mantega, Paulo Bernardo Silva, Carlos Minc and Marcio Fortes de Almeida, provides for the Minha Casa, Minha Vida Program (PMCMV).[1]

MP 459/2009 was converted into Law No. 11,977 of July 7, 2009, signed into law by José Alencar Gomes da Silva, Vice President acting as President.[2]

MP 459/2009 defines that the purpose of the PMCMV is to create mechanisms to encourage the production and acquisition of new housing units by families with income of up to ten minimum wages, and that the National Urban Housing Program (PNHU) aims to subsidize the purchase of new property for the lowest-income segments, with a subsidy authorized up to two billion five hundred million reais.[3]

Merged earlier initiatives · Second term (2007 to 2010) · since March 2009

MP 459/2009 authorizes the Union to transfer funds to the Residential Leasing Fund (FAR), up to fifteen billion reais, and to the Social Development Fund (FDS), up to five hundred million reais. According to the Statement of Reasons, it proposes using already established programs, with new conditions to serve families with income of up to three minimum wages per month.[4]

Law No. 10,188 of February 12, 2001 (conversion of Provisional Measure No. 2,135-24 of 2001, promulgated by Antonio Carlos Magalhães, President of the National Congress), established the Residential Leasing Program for the exclusive purpose of meeting the housing needs of the low-income population, with Caixa Econômica Federal as the Program's managing agent, and authorized the CEF to create a financial fund for operating the Program.[5]

Resumed under Lula · Third term (since 2023) · since February 2023

Law No. 14,118 of January 12, 2021, signed by Jair Messias Bolsonaro, established the Casa Verde e Amarela Program. Art. 22 of that law, vetoed at the time of signing and promulgated as a vetoed part on March 26, 2021, under paragraph 5 of art. 66 of the Federal Constitution, provides that, for the purposes of the unified tax payment regime, the Casa Verde e Amarela Program is the successor of the Minha Casa, Minha Vida Program (PMCMV). Art. 1 of Law No. 14,118 was revoked by Law No. 14,620 of 2023.[6]

Provisional Measure No. 1,162 of February 14, 2023, signed by Luiz Inácio Lula da Silva, Jader Fontenelle Barbalho Filho and Fernando Haddad, provides for the Minha Casa, Minha Vida Program. It was converted into Law 14,620/2023.[7]

Law No. 14,620 of July 13, 2023, signed into law by Luiz Inácio Lula da Silva, provides for the Minha Casa, Minha Vida Program and revokes provisions of Law No. 14,118 of January 12, 2021.[8]

Origin and precursors

Origin milestone: founding legal act, Second term (2007 to 2010).

Provisional Measure No. 459 of March 25, 2009, signed by Luiz Inácio Lula da Silva, Tarso Genro, Guido Mantega, Paulo Bernardo Silva, Carlos Minc and Marcio Fortes de Almeida, provides for the Minha Casa, Minha Vida Program (PMCMV).[1]

Precursors

  • PAR, PSH and FNHIS, considered insufficient by the Statement of Reasons similar initiative, no succession stated by the source Interministerial Statement of Reasons No. 33/2009, which accompanied MP 459, states that, starting in 2000, housing experiences for the lowest-income population were resumed, such as the Residential Leasing Program (PAR), the Housing Subsidy Program (PSH), the FNHIS and financing with FGTS funds, but that these programs were insufficient and did not prevent the growth of the deficit.[9]
  • Residential Leasing Program and FAR (Law 10,188/2001) absorbed Law No. 10,188 of February 12, 2001 (conversion of Provisional Measure No. 2,135-24 of 2001, promulgated by Antonio Carlos Magalhães, President of the National Congress), established the Residential Leasing Program for the exclusive purpose of meeting the housing needs of the low-income population, with Caixa Econômica Federal as the Program's managing agent, and authorized the CEF to create a financial fund for operating the Program.[5]
  • FAR and FDS reused absorbed MP 459/2009 authorizes the Union to transfer funds to the Residential Leasing Fund (FAR), up to fifteen billion reais, and to the Social Development Fund (FDS), up to five hundred million reais. According to the Statement of Reasons, it proposes using already established programs, with new conditions to serve families with income of up to three minimum wages per month.[4]

Precursor investigation: new structure established (October 13, 2026).

Scope: Rules and statements of reasons at the Planalto, publications of the ministries and oversight bodies, searches recorded in the dossier (research of October 13, 2026). MP 459 creates new programs and a new guarantee fund and incorporates earlier instruments.

Responsibilities

  • Caixa Econômica Federal (Caixa) and ministries financial operation

    Under MP 459/2009, the operational management of the PNHU subsidy funds is the responsibility of Caixa Econômica Federal, with remuneration set by the Ministers of Cities and Finance, and the regulation and management of the PNHU fall to the Ministries of Finance and Cities; for the PNHR, operational management is also by Caixa.[10]

  • States and municipalities (land and tax exemption) municipal implementation

    Law 11,977/2009 provided that, in urban areas, the PMCMV priority criteria include the donation of land by states, the Federal District and municipalities, tax relief by these entities for social-interest housing, and the implementation, by municipalities, of the instruments of Law No. 10,257 of July 10, 2001, aimed at controlling the withholding of idle urban areas. According to the Statement of Reasons of MP 459/2009, authorization is given for federal funds to be used together with other subsidy policies at the level of the States, Municipalities and Federal District.[11]

  • National Congress legislative approval

    Law 11,977/2009, the conversion of MP 459/2009, was enacted by the National Congress and signed into law by the Vice President acting as President.[12]

Timeline

Timeline of Minha Casa, Minha Vida Program (My House, My Life)
DatePhaseWhat happened
March 25, 2009Legal actProvisional Measure 459 creates the program.[1]
July 7, 2009Legal actConversion of the MP into Law 11,977.[2]
January 12, 2021TerminationLaw 14,118 establishes Casa Verde e Amarela, declared the successor for tax purposes (Bolsonaro government).[6]
February 14, 2023RelaunchProvisional Measure 1,162 resumes the program.[7]
July 13, 2023Legal actLaw 14,620 provides for the program.[8]

What was established

MP 459/2009 authorized the Union to participate, up to the limit of R$2,000,000,000.00 (two billion reais), in the Popular Housing Guarantee Fund (FGHab), whose purposes include, among others, guaranteeing payment to financial agents of the monthly installment of housing financing in case of unemployment and temporary reduction in payment capacity, for families with income of up to ten minimum wages; the FGHab will be created, administered, managed and represented judicially and extrajudicially by a financial institution controlled directly or indirectly by the Union, and the MP created the Committee for Participation in the Popular Housing Guarantee Fund (CPFGHab).[13]

How it works

In the original wording of Law 11,977/2009, the purpose of the PMCMV was to encourage the production and acquisition of new housing units by families with monthly income of up to 10 (ten) minimum wages. The same original wording authorized the Union to transfer to the Residential Leasing Fund (FAR) up to R$14,000,000,000.00 and to the Social Development Fund (FDS) up to R$500,000,000.00 (art. 18), and to grant economic subsidies under the PNHU of up to R$2,500,000,000.00 (art. 5). These provisions were later amended or revoked (MP 514/2010 and Law 12,424/2011).[14]

Who it serves

According to the TCU report on the 2010 Government Accounts, the PMCMV target was to deliver, in the 2009/2011 three-year period, one million homes: 400 thousand for the income bracket of 0 to 3 minimum wages, 400 thousand for the bracket of 3 to 6 minimum wages (SM) and 200 thousand for the bracket of 6 to 10 SM. The TCU describes that, in the 0 to 3 SM bracket, Caixa, as manager of the FAR, contracts the construction company and the properties are then sold to families selected by states and municipalities.[15]

Law 14,620/2023 (art. 5, in the compiled text on the Planalto site) defines that the program serves urban families with gross monthly family income of up to R$8,000.00 and rural families with gross annual family income of up to R$96,000.00, in brackets: Urban 1 up to R$2,640.00; Urban 2 from R$2,640.01 to R$4,400.00; Urban 3 from R$4,400.01 to R$8,000.00; Rural 1 up to R$31,680.00 per year; Rural 2 from R$31,680.01 to R$52,800.00; Rural 3 from R$52,800.01 to R$96,000.00. Temporary benefits and Bolsa Família are not counted in the income calculation. Law 15,164/2025 added § 1-A, which allows the Minister of Cities to add brackets and update the amounts.[16]

Budget and spending

Figures are nominal unless stated otherwise. Announced, authorized, committed, liquidated and paid amounts are different things and appear with the type indicated. In SIOP lines, "paid" means paid within the same fiscal year (arrears settled later are not counted), and one budget action can fund more than one program: the text says when the action is only part of a program.

According to the TCU (2010 Government Accounts), in the 2010 budget execution table, in R$ millions, the PMCMV line records an updated appropriation of 7,307, committed of 6,680 (91%), liquidated of 143 (2%), paid of 143 (2%) and 6,537 registered as unprocessed carryover payables (restos a pagar). The TCU stresses that, as for the PMCMV, there is no direct correlation with a budget program and that its execution took place, in the first two years, through five actions (transfer to the FAR, three economic subsidies and transfer to the FDS). In the text, the TCU also reports that the PMCMV's authorized appropriation rose from R$5.2 billion in 2009 to R$6.7 billion in 2010.[17]

Context (dilma-1): in 2014, budget action 00AF (Payment of Shares to the Residential Leasing Fund - FAR) records in the federal budget open data (SIOP) an initial appropriation of R$12,500,000,000, authorized of R$14,500,000,000, committed and liquidated of R$14,500,000,000 and paid in the fiscal year of R$10,355,699,453, in nominal values. Under Law 11,977/2009 (art. 2, II, as worded by Law 12,693/2012), for the implementation of the PMCMV the Union would participate in the FAR by paying in shares; the action is one of the program's means of financing, not its total.[18]

In the federal budget open data (SIOP), action 00AF (Payment of Shares to the Residential Leasing Fund - FAR) records, in nominal values: in 2023, authorized appropriation and committed of R$7,799,902,585 and liquidated and paid in the fiscal year of R$7,649,902,585; in 2024, authorized and committed of R$11,266,689,667, liquidated of R$10,605,014,435 and paid of R$10,598,896,396, with R$2,000,000,000 and R$800,000,000 authorized and paid under public calamity budget plans (Provisional Measures No. 1,233 and No. 1,252, of 2024); in 2025, authorized of R$6,804,900,247 and committed, liquidated and paid of R$6,720,000,000. Law 14,620/2023 (art. 6, § 19, I) authorizes the Union to pay in shares to the FAR to make the housing assistance lines of the Minha Casa, Minha Vida Program viable; the action is one of the program's means of financing, not its total.[19]

In 2025, action 00XF (Financing of repayable credit operations under the Minha Casa, Minha Vida Program) records in the federal budget open data (SIOP) an initial appropriation of R$18,134,899,507, authorized of R$25,668,624,383, committed of R$25,668,617,849 and liquidated and paid in the fiscal year of R$11,657,821,719, in nominal values. In the 2025 Expenditure Budget file of the Transparency Portal, the action appears under the unit Social Fund (FS), program 0902 (Special Operations: Financing with Repayment), element 66 (Granting of Loans and Financing), as a financial investment. It is repayable credit, and the amount is that of the action, not the program's total.[20]

Deliverables

Announcement, contracting, completion and operation are different phases.

According to the TCU (2010 Government Accounts, with data from the Ministry of Cities), as of December 31, 2010, 1,004,257 housing units had been contracted in the PMCMV, with a total financed value of R$53.03 billion (about 100.4% of the target of one million homes set for the 2009/2011 three-year period): 571,332 for families with income of 0 to 3 SM, 287,165 in the 3 to 6 SM bracket and 145,760 in the 6 to 10 SM bracket. The TCU records that about 238 thousand units were completed (92 thousand in the 0 to 3 SM bracket, 139 thousand in the 3 to 6 SM bracket and 7 thousand in the 6 to 10 SM bracket).[21]

According to Agência Gov (via Secom/PR, January 29, 2025), considering all modalities, Minha Casa, Minha Vida surpassed 1.26 million homes contracted between its resumption in 2023 and December 31, 2024, and since 2023 more than 43 thousand homes have been delivered, in addition to the resumption of stalled works on more than 38.9 thousand homes. This is official communication: it proves what the government declared.[22]

In a report published on January 5, 2026, Secom/PR declares that, from the start of 2023 to mid-December 2025, 491 thousand homes were contracted in 2023, 725 thousand in 2024 and 766 thousand in 2025; that 472 thousand families received homes in 2024 and another 431 thousand through mid-December 2025, in the subsidized and financed lines. In the subsidized lines funded by the Union General Budget (OGU), it declares 238.79 thousand homes contracted from 2023 onward (119.3 thousand in 2024 and 119.4 thousand in 2025), and 136.16 thousand homes contracted before 2023 with works resumed, of which 47.99 thousand completed. This is official communication: it proves what the government declared.[23]

Impact evaluations

Evaluations with a causal design are flagged; association is not proof of effect.

According to the 2020 cycle evaluation of the PMCMV by the Council for Monitoring and Evaluation of Public Policies (CMAP), carried out by SECAP/Ministry of Economy, CGU and Ipea, estimates in a municipal panel with fixed effects and with the Arellano and Bond estimator indicate that each R$1 million invested annually in the program between 2009 and 2016 was associated with the creation of 1.7 to 3.5 direct formal jobs in construction within up to one year, which would correspond to about 89 to 182 thousand formal jobs, considering average investment of R$52 billion per year.[24]

Audits

In Ruling 2456/2016-Plenary (operational audit coordinated within Olacefs on social-interest housing under MCMV), the TCU recorded systemic construction defects in 9 of the 10 developments in the sample, which generally did not compromise habitability and healthfulness, and that the only service considered met by all developments was regular garbage collection.[25]

In the 2020 CMAP evaluation, when INSS income (SISBEN base) was included, 8,318 beneficiaries with income above the limit were identified, representing 1.9% of PMCMV borrowers with contracts signed between 2016 and 2019.[26]

Limitations

According to the 2020 CMAP evaluation, despite almost 6 million units contracted between 2009 and 2019, the quantitative housing deficit continued to grow and stabilized at around 6 million households in recent years; the report notes that it is possible that the deficit would have advanced further without the program.[27]

According to the 2020 CMAP evaluation, the location of developments in regions far from urban centers is possibly the problem most cited by researchers in evaluations of the program, with social segregation, mobility difficulties and a lack of urban infrastructure nearby.[28]

Sources and evidence

Excerpts are quoted in the original language of the source.

  1. 1. Provisional Measure No. 459 of March 25, 2009, signed by Luiz Inácio Lula da Silva, Tarso Genro, Guido Mantega, Paulo Bernardo Silva, Carlos Minc and Marcio Fortes de Almeida, provides for the Minha Casa, Minha Vida Program (PMCMV).

    • Medida Provisória nº 459, de 25 de março de 2009 · Presidency of the Republic (Planalto) Official legal act
      Where: header and summary; art. 1 (struck-through text on the Planalto site). Accessed October 13, 2026.
      “Dispõe sobre o Programa Minha Casa, Minha Vida - PMCMV, a regularização fundiária de assentamentos localizados em áreas urbanas,”
    • Medida Provisória nº 459, de 25 de março de 2009 · Presidency of the Republic (Planalto) Official legal act
      Where: closing and signatures. Accessed October 13, 2026.
      “Brasília, 25 de março de 2009; 188o da Independência e 121o da República. LUIZ INÁCIO LULA DA SILVA Tarso Genro Guido Mantega Paulo Bernardo Silva Carlos Minc Marcio Fortes de Almeida”

  2. 2. MP 459/2009 was converted into Law No. 11,977 of July 7, 2009, signed into law by José Alencar Gomes da Silva, Vice President acting as President.

    • Lei nº 11.977, de 7 de julho de 2009 · Presidency of the Republic (Planalto) Official legal act
      Where: closing and signatures. Accessed October 13, 2026.
      “Brasília, 7 de julho de 2009; 188o da Independência e 121o da República. JOSÉ ALENCAR GOMES DA SILVA Luiz Paulo Teles Ferreira Barreto Guido Mantega Paulo Bernardo Silva Carlos Minc”
    • Lei nº 11.977, de 7 de julho de 2009 · Presidency of the Republic (Planalto) Official legal act
      Where: header (title and conversion note). Accessed October 14, 2026.
      “LEI Nº 11.977, DE 7 DE JULHO DE 2009 Texto compilado Conversão da Medida Provisória nº 459, de 2009”
    • Lei nº 11.977, de 7 de julho de 2009 · Presidency of the Republic (Planalto) Official legal act
      Where: preamble. Accessed October 14, 2026.
      “O VICE–PRESIDENTE DA REPÚBLICA, no exercício do cargo de PRESIDENTE DA REPÚBLICA Faço saber que o Congresso Nacional decreta e eu sanciono a seguinte Lei:”

  3. 3. MP 459/2009 defines that the purpose of the PMCMV is to create mechanisms to encourage the production and acquisition of new housing units by families with income of up to ten minimum wages, and that the National Urban Housing Program (PNHU) aims to subsidize the purchase of new property for the lowest-income segments, with a subsidy authorized up to two billion five hundred million reais.

    • Medida Provisória nº 459, de 25 de março de 2009 · Presidency of the Republic (Planalto) Official legal act
      Where: art. 1, items I to V. Accessed October 13, 2026.
      “Programa Minha Casa, Minha Vida - PMCMV, a regularização fundiária de assentamentos localizados em áreas urbanas, e dá outras providências. O PRESIDENTE DA REPÚBLICA , no uso da atribuição que lhe confere o art. 62, da Constituição, adota a seguinte Medida Provisória, com força de lei: CAPÍTULO I DO PROGRAMA MINHA CASA, MINHA VIDA - PMCMV Seção I Da Estrutura e Finalidade do PMCMV Art. 1 o O Programa Minha Casa, Minha Vida - PMCMV compreende: I - o Programa Nacional de Habitação Urbana - PNHU; II - o Programa Nacional de Habitação Rural - PNHR; III - a autorização para a União transferir recursos ao Fundo de Arrendamento Residencial - FAR e ao Fundo de Desenvolvimento Social - FDS; IV - a autorização para a União participar do Fundo Garantidor da Habitação Popular - FGHab; e V - a autorização para a União conceder subvenção econômica ao Banco Nacional de Desenvolvimento Econômico e Social - BNDES.”
    • Medida Provisória nº 459, de 25 de março de 2009 · Presidency of the Republic (Planalto) Official legal act
      Where: arts. 2 to 4. Accessed October 13, 2026.
      “PMCMV tem como finalidade criar mecanismos de incentivo à produção e à aquisição de novas unidades habitacionais pelas famílias com renda de até dez salários mínimos.”
    • Medida Provisória nº 459, de 25 de março de 2009 · Presidency of the Republic (Planalto) Official legal act
      Where: arts. 3 and 4. Accessed October 13, 2026.
      “Programa Nacional de Habitação Urbana - PNHU tem como objetivo subsidiar a aquisição de imóvel novo para os segmentos populacionais de menor renda. Art. 4 o Fica a União autorizada a conceder subvenção econômica no âmbito do PNHU até o montante de R$ 2.500.000.000,00 (dois bilhões e quinhentos milhões de reais).”

  4. 4. MP 459/2009 authorizes the Union to transfer funds to the Residential Leasing Fund (FAR), up to fifteen billion reais, and to the Social Development Fund (FDS), up to five hundred million reais. According to the Statement of Reasons, it proposes using already established programs, with new conditions to serve families with income of up to three minimum wages per month.

    • Medida Provisória nº 459, de 25 de março de 2009 · Presidency of the Republic (Planalto) Official legal act
      Where: art. 17. Accessed October 13, 2026.
      “Art. 17. Fica a União autorizada a transferir recursos para o Fundo de Arrendamento Residencial - FAR, até o limite de R$ 15.000.000.000,00 (quinze bilhões de reais), e para o Fundo de Desenvolvimento Social - FDS, até o limite de R$ 500.000.000,00 (quinhentos milhões de reais).”
    • Exposição de Motivos Interministerial nº 33/2009/MF/MJ/MP/MMA/MCidades (MP 459/2009) · Presidency of the Republic (Planalto) Official legal act
      Where: item 9. Accessed October 13, 2026.
      “o que se propõe é a utilização de programas atualmente já estabelecidos, focalizados no provimento de moradias à população de baixa renda. Serão estabelecidas novas condições de tal modo que esses programas possam atender as famílias com renda de até três salários mínimos por mês.”

  5. 5. Law No. 10,188 of February 12, 2001 (conversion of Provisional Measure No. 2,135-24 of 2001, promulgated by Antonio Carlos Magalhães, President of the National Congress), established the Residential Leasing Program for the exclusive purpose of meeting the housing needs of the low-income population, with Caixa Econômica Federal as the Program's managing agent, and authorized the CEF to create a financial fund for operating the Program.

    • Lei nº 10.188, de 12 de fevereiro de 2001 · Presidency of the Republic (Planalto) Official legal act
      Where: art. 1, main provision and sole paragraph (original wording). Accessed October 13, 2026.
      “Fica instituído o Programa de Arrendamento Residencial para atendimento exclusivo da necessidade de moradia da população de baixa renda, sob a forma de arrendamento residencial com opção de compra. (Vide Medida Provisória nº 350, de 2007) Parágrafo único. A Caixa Econômica Federal - CEF será o agente gestor do Programa.”
    • Lei nº 10.188, de 12 de fevereiro de 2001 · Presidency of the Republic (Planalto) Official legal act
      Where: art. 2, main provision (original wording). Accessed October 13, 2026.
      “a operacionalização do Programa instituído nesta Lei, fica a CEF autorizada a criar um fundo financeiro com o fim exclusivo de segregação patrimonial e contábil dos haveres financeiros e imobiliários destinados ao Programa.”
    • Lei nº 10.188, de 12 de fevereiro de 2001 · Presidency of the Republic (Planalto) Official legal act
      Where: preamble. Accessed October 13, 2026.
      “que o PRESIDENTE DA REPÚBLICA adotou a Medida Provisória nº 2.135-24, de 2001, que o Congresso Nacional aprovou, e eu, Antonio Carlos Magalhães, Presidente, para os efeitos do disposto no parágrafo único do art. 62 da Constituição Federal, promulgo a seguinte Lei:”

  6. 6. Law No. 14,118 of January 12, 2021, signed by Jair Messias Bolsonaro, established the Casa Verde e Amarela Program. Art. 22 of that law, vetoed at the time of signing and promulgated as a vetoed part on March 26, 2021, under paragraph 5 of art. 66 of the Federal Constitution, provides that, for the purposes of the unified tax payment regime, the Casa Verde e Amarela Program is the successor of the Minha Casa, Minha Vida Program (PMCMV). Art. 1 of Law No. 14,118 was revoked by Law No. 14,620 of 2023.

    • Lei nº 14.118, de 12 de janeiro de 2021 · Presidency of the Republic (Planalto) Official legal act
      Where: art. 1 (original wording, struck through on the Planalto site); closing. Accessed October 13, 2026.
      “Art. 1 º É instituído o Programa Casa Verde e Amarela, com a finalidade de promover o direito à moradia a famílias residentes em áreas urbanas com renda mensal de até R$ 7.000,00 (sete mil reais) [...] Brasília, 12 de janeiro de 2021 [...] JAIR MESSIAS BOLSONARO Paulo Guedes Rogério Marinho”
    • Lei nº 14.118, de 12 de janeiro de 2021 · Presidency of the Republic (Planalto) Official legal act
      Where: art. 22 (art. 2-A, § 9, of Law 12,024/2009). Accessed October 13, 2026.
      “§ 9º Para os fins do regime de pagamento unificado de tributos sobre a receita mensal auferida pelo contrato de construção de que trata este artigo, o Programa Casa Verde e Amarela, na forma de sua legislação federal específica, é sucessor do Programa Minha Casa, Minha Vida (PMCMV).”
    • Lei nº 14.118, de 12 de janeiro de 2021 · Presidency of the Republic (Planalto) Official legal act
      Where: art. 22 at the time of signing. Accessed October 14, 2026.
      “Art. 22. (VETADO).”
    • Lei nº 14.118, de 12 de janeiro de 2021 · Presidency of the Republic (Planalto) Official legal act
      Where: promulgation of the vetoed parts, preamble. Accessed October 14, 2026.
      “Faço saber que o Congresso Nacional decreta e eu promulgo, nos termos do parágrafo 5º do art. 66 da Constituição Federal, a seguinte parte vetada da Lei nº 14.118, de 12 de janeiro de 2021:”
    • Lei nº 14.118, de 12 de janeiro de 2021 · Presidency of the Republic (Planalto) Official legal act
      Where: promulgation of the vetoed parts, closing. Accessed October 14, 2026.
      “Brasília, 26 de março de 2021; 200º da Independência e 133º da República. JAIR MESSIAS BOLSONARO”
    • Lei nº 14.118, de 12 de janeiro de 2021 · Presidency of the Republic (Planalto) Official legal act
      Where: art. 1, revocation note. Accessed October 14, 2026.
      “(Revogado pela Medida Provisória nº 1.162, de 2023) (Revogado pela Lei nº 14.620, de 2023)”

  7. 7. Provisional Measure No. 1,162 of February 14, 2023, signed by Luiz Inácio Lula da Silva, Jader Fontenelle Barbalho Filho and Fernando Haddad, provides for the Minha Casa, Minha Vida Program. It was converted into Law 14,620/2023.

    • Medida Provisória nº 1.162, de 14 de fevereiro de 2023 · Presidency of the Republic (Planalto) Official legal act
      Where: header, summary and art. 1 (struck through on the Planalto site). Accessed October 13, 2026.
      “MEDIDA PROVISÓRIA Nº 1.162, DE 14 DE FEVEREIRO DE 2023 [...] Convertida na Lei nº 14.620, de 2023 [...] Dispõe sobre o Programa Minha Casa, Minha Vida [...] Art. 1º O Programa Minha Casa, Minha Vida tem por finalidade promover o direito à cidade e à moradia de famílias residentes em áreas urbanas e rurais”
    • Medida Provisória nº 1.162, de 14 de fevereiro de 2023 · Presidency of the Republic (Planalto) Official legal act
      Where: closing and signatures. Accessed October 13, 2026.
      “Brasília, 14 de fevereiro de 2023; 202º da Independência e 135º da República. LUIZ INÁCIO LULA DA SILVA Jader Fontenelle Barbalho Filho Fernando Haddad”

  8. 8. Law No. 14,620 of July 13, 2023, signed into law by Luiz Inácio Lula da Silva, provides for the Minha Casa, Minha Vida Program and revokes provisions of Law No. 14,118 of January 12, 2021.

    • Lei nº 14.620, de 13 de julho de 2023 · Presidency of the Republic (Planalto) Official legal act
      Where: header, summary (end) and art. 1. Accessed October 13, 2026.
      “LEI Nº 14.620, DE 13 DE JULHO DE 2023 Mensagem de veto Conversão da Medida Provisória nº 1.162, de 2023 Dispõe sobre o Programa Minha Casa, Minha Vida [...] e revoga dispositivos da Lei nº 14.118, de 12 de janeiro de 2021. [...] Art. 1º O Programa Minha Casa, Minha Vida tem por finalidade promover o direito à cidade e à moradia”
    • Lei nº 14.620, de 13 de julho de 2023 · Presidency of the Republic (Planalto) Official legal act
      Where: closing and signatures. Accessed October 13, 2026.
      “202o da Independência e 135o da República. LUIZ INÁCIO LULA DA SILVA Jader Fontenelle Barbalho Filho Antônio Waldez Góes da Silva Fernando Haddad Geraldo José Rodrigues Alckmin Filho”

  9. 9. Interministerial Statement of Reasons No. 33/2009, which accompanied MP 459, states that, starting in 2000, housing experiences for the lowest-income population were resumed, such as the Residential Leasing Program (PAR), the Housing Subsidy Program (PSH), the FNHIS and financing with FGTS funds, but that these programs were insufficient and did not prevent the growth of the deficit.

    • Exposição de Motivos Interministerial nº 33/2009/MF/MJ/MP/MMA/MCidades (MP 459/2009) · Presidency of the Republic (Planalto) Official legal act
      Where: item 5. Accessed October 13, 2026.
      “5. A partir do ano de 2000, algumas experiências foram retomadas no sentido de se criar um ambiente propício à geração de moradias para a população de menor poder aquisitivo, a exemplo do Programa de Arrendamento Residencial - PAR, do Programa de Subsídio Habitacional - PSH, do Fundo Nacional de Habitação de Interesse Social - FNHIS e dos programas de financiamentos com recursos do FGTS. Referidos programas demonstram, no entanto, ser ainda insuficientes para o suprimento da questão habitacional, de vez que não impediram o crescimento do déficit”

  10. 10. Under MP 459/2009, the operational management of the PNHU subsidy funds is the responsibility of Caixa Econômica Federal, with remuneration set by the Ministers of Cities and Finance, and the regulation and management of the PNHU fall to the Ministries of Finance and Cities; for the PNHR, operational management is also by Caixa.

    • Medida Provisória nº 459, de 25 de março de 2009 · Presidency of the Republic (Planalto) Official legal act
      Where: arts. 8 and 9. Accessed October 13, 2026.
      “gestão operacional dos recursos de subvenção do PNHU será efetuada pela Caixa Econômica Federal. Parágrafo único. Os Ministros de Estado das Cidades e da Fazenda fixarão, em ato conjunto, a remuneração da Caixa Econômica Federal pelas atividades exercidas no âmbito do PNHU. Art. 9 o Compete aos Ministérios da Fazenda e das Cidades a regulamentação e gestão do PNHU no âmbito das suas respectivas competências.”
    • Medida Provisória nº 459, de 25 de março de 2009 · Presidency of the Republic (Planalto) Official legal act
      Where: PNHR, operational management. Accessed October 13, 2026.
      “do PNHR será efetuada pela Caixa Econômica Federal.”

  11. 11. Law 11,977/2009 provided that, in urban areas, the PMCMV priority criteria include the donation of land by states, the Federal District and municipalities, tax relief by these entities for social-interest housing, and the implementation, by municipalities, of the instruments of Law No. 10,257 of July 10, 2001, aimed at controlling the withholding of idle urban areas. According to the Statement of Reasons of MP 459/2009, authorization is given for federal funds to be used together with other subsidy policies at the level of the States, Municipalities and Federal District.

    • Lei nº 11.977, de 7 de julho de 2009 · Presidency of the Republic (Planalto) Official legal act
      Where: art. 3, § 1, items I to III (no amendment note). Accessed October 13, 2026.
      “§ 1 o Em áreas urbanas, os critérios de prioridade para atendimento devem contemplar também: I – a doação pelos Estados, pelo Distrito Federal e pelos Municípios de terrenos localizados em área urbana consolidada para implantação de empreendimentos vinculados ao programa; II – a implementação pelos Estados, pelo Distrito Federal e pelos Municípios de medidas de desoneração tributária, para as construções destinadas à habitação de interesse social;”
    • Exposição de Motivos Interministerial nº 33/2009/MF/MJ/MP/MMA/MCidades (MP 459/2009) · Presidency of the Republic (Planalto) Official legal act
      Where: item 8. Accessed October 13, 2026.
      “Também é dada autorização para que os recursos federais sejam utilizados em conjunto com outras políticas de subvenção no âmbito de Estados, Municípios e Distrito Federal.”

  12. 12. Law 11,977/2009, the conversion of MP 459/2009, was enacted by the National Congress and signed into law by the Vice President acting as President.

    • Lei nº 11.977, de 7 de julho de 2009 · Presidency of the Republic (Planalto) Official legal act
      Where: header and preamble. Accessed October 13, 2026.
      “REPÚBLICA Faço saber que o Congresso Nacional decreta e eu sanciono a seguinte Lei:”

  13. 13. MP 459/2009 authorized the Union to participate, up to the limit of R$2,000,000,000.00 (two billion reais), in the Popular Housing Guarantee Fund (FGHab), whose purposes include, among others, guaranteeing payment to financial agents of the monthly installment of housing financing in case of unemployment and temporary reduction in payment capacity, for families with income of up to ten minimum wages; the FGHab will be created, administered, managed and represented judicially and extrajudicially by a financial institution controlled directly or indirectly by the Union, and the MP created the Committee for Participation in the Popular Housing Guarantee Fund (CPFGHab).

    • Medida Provisória nº 459, de 25 de março de 2009 · Presidency of the Republic (Planalto) Official legal act
      Where: art. 18, main provision and items. Accessed October 13, 2026.
      “Art. 18. Fica a União autorizada a participar, até o limite de R$ 2.000.000.000,00 (dois bilhões de reais), de Fundo Garantidor da Habitação Popular - FGHab, que terá por finalidades: I - garantir o pagamento aos agentes financeiros de prestação mensal de financiamento habitacional, no âmbito do Sistema Financeiro da Habitação, devida por mutuário final, em caso de desemprego e redução temporária da capacidade de pagamento, para famílias com renda de até dez salários mínimos”
    • Medida Provisória nº 459, de 25 de março de 2009 · Presidency of the Republic (Planalto) Official legal act
      Where: art. 22, main provision. Accessed October 13, 2026.
      “Art. 22. O FGHab será criado, administrado, gerido e representado judicial e extrajudicialmente por instituição financeira controlada direta ou indiretamente, pela União”
    • Medida Provisória nº 459, de 25 de março de 2009 · Presidency of the Republic (Planalto) Official legal act
      Where: art. 23. Accessed October 13, 2026.
      “Art. 23. Fica criado o Comitê de Participação no Fundo Garantidor da Habitação Popular - CPFGHab, órgão colegiado com composição e competência estabelecidas em”

  14. 14. In the original wording of Law 11,977/2009, the purpose of the PMCMV was to encourage the production and acquisition of new housing units by families with monthly income of up to 10 (ten) minimum wages. The same original wording authorized the Union to transfer to the Residential Leasing Fund (FAR) up to R$14,000,000,000.00 and to the Social Development Fund (FDS) up to R$500,000,000.00 (art. 18), and to grant economic subsidies under the PNHU of up to R$2,500,000,000.00 (art. 5). These provisions were later amended or revoked (MP 514/2010 and Law 12,424/2011).

    • Lei nº 11.977, de 7 de julho de 2009 · Presidency of the Republic (Planalto) Official legal act
      Where: art. 2, original wording (struck through in the compiled text on the Planalto site). Accessed October 13, 2026.
      “PMCMV tem como finalidade criar mecanismos de incentivo à produção e à aquisição de novas unidades habitacionais pelas famílias com renda mensal de até 10 (dez) salários mínimos, que residam em qualquer dos Municípios brasileiros.”
    • Lei nº 11.977, de 7 de julho de 2009 · Presidency of the Republic (Planalto) Official legal act
      Where: art. 18, original wording (later amended by MP 514/2010 and revoked by Law 12,424/2011). Accessed October 13, 2026.
      “Art. 18. Fica a União autorizada a transferir recursos para o Fundo de Arrendamento Residencial - FAR, até o limite de R$ 14.000.000.000,00 (quatorze bilhões de reais), e para o Fundo de Desenvolvimento Social - FDS, até o limite de R$ 500.000.000,00 (quinhentos milhões de reais).”
    • Lei nº 11.977, de 7 de julho de 2009 · Presidency of the Republic (Planalto) Official legal act
      Where: art. 5, original wording. Accessed October 13, 2026.
      “Fica a União autorizada a conceder subvenção econômica no âmbito do PNHU até o montante de R$ 2.500.000.000,00 (dois bilhões e quinhentos milhões de reais). (Vide Medida Provisória nº 514, de 2010, Vigência) (Revogado pela Lei nº 12.424, de 2011)”

  15. 15. According to the TCU report on the 2010 Government Accounts, the PMCMV target was to deliver, in the 2009/2011 three-year period, one million homes: 400 thousand for the income bracket of 0 to 3 minimum wages, 400 thousand for the bracket of 3 to 6 minimum wages (SM) and 200 thousand for the bracket of 6 to 10 SM. The TCU describes that, in the 0 to 3 SM bracket, Caixa, as manager of the FAR, contracts the construction company and the properties are then sold to families selected by states and municipalities.

    • Relatório e Parecer Prévio sobre as Contas do Governo da República, Exercício de 2010 · Federal Court of Accounts (TCU) Audit
      Where: ch. 4.1 (PAC), topic Minha Casa, Minha Vida Program, p. 190. Accessed October 13, 2026.
      “pelas famílias com renda mensal de até 10 salários mínimos - SM. A meta é oferecer, no triênio 2009/2011, um milhão de moradias, sendo 400 mil para a população com faixa de renda entre 0 e 3 SM, 400 mil para a faixa de 3 e 6 SM e 200 mil para a população com renda entre 6 e 10 SM.”
    • Relatório e Parecer Prévio sobre as Contas do Governo da República, Exercício de 2010 · Federal Court of Accounts (TCU) Audit
      Where: ch. 4.1, topic Minha Casa, Minha Vida Program, p. 190. Accessed October 13, 2026.
      “Na faixa de renda de 0 a 3 SM, a Caixa Econômica Federal, na qualidade de agente gestor do Fundo de Arrendamento Residencial - FAR, é quem contrata a construtora encarregada da construção das moradias. Depois de concluídos, os imóveis são alienados às famílias, previamente cadastradas e selecionadas por estados e municípios.”

  16. 16. Law 14,620/2023 (art. 5, in the compiled text on the Planalto site) defines that the program serves urban families with gross monthly family income of up to R$8,000.00 and rural families with gross annual family income of up to R$96,000.00, in brackets: Urban 1 up to R$2,640.00; Urban 2 from R$2,640.01 to R$4,400.00; Urban 3 from R$4,400.01 to R$8,000.00; Rural 1 up to R$31,680.00 per year; Rural 2 from R$31,680.01 to R$52,800.00; Rural 3 from R$52,800.01 to R$96,000.00. Temporary benefits and Bolsa Família are not counted in the income calculation. Law 15,164/2025 added § 1-A, which allows the Minister of Cities to add brackets and update the amounts.

    • Lei nº 14.620, de 13 de julho de 2023 · Presidency of the Republic (Planalto) Official legal act
      Where: art. 5, main provision and item I. Accessed October 13, 2026.
      “Programa atenderá famílias residentes em áreas urbanas com renda bruta familiar mensal de até R$ 8.000,00 (oito mil reais) e famílias residentes em áreas rurais com renda bruta familiar anual de até R$ 96.000,00 (noventa e seis mil reais), consideradas as seguintes faixas: I - famílias residentes em áreas urbanas: a) Faixa Urbano 1 - renda bruta familiar mensal até R$ 2.640,00”
    • Lei nº 14.620, de 13 de julho de 2023 · Presidency of the Republic (Planalto) Official legal act
      Where: art. 5, item I, subitems b and c. Accessed October 13, 2026.
      “b) Faixa Urbano 2 - renda bruta familiar mensal de R$ 2.640,01 (dois mil, seiscentos e quarenta reais e um centavo) até R$ 4.400,00 (quatro mil e quatrocentos reais); c) Faixa Urbano 3 - renda bruta familiar mensal de R$ 4.400,01 (quatro mil e quatrocentos reais e um centavo) até R$ 8.000,00 (oito mil reais);”
    • Lei nº 14.620, de 13 de julho de 2023 · Presidency of the Republic (Planalto) Official legal act
      Where: art. 5, item II. Accessed October 13, 2026.
      “a) Faixa Rural 1 - renda bruta familiar anual até R$ 31.680,00 (trinta e um mil, seiscentos e oitenta reais); b) Faixa Rural 2 - renda bruta familiar anual de R$ 31.680,01 (trinta e um mil, seiscentos e oitenta reais e um centavo) até R$ 52.800,00 (cinquenta e dois mil e oitocentos reais); c) Faixa Rural 3 - renda bruta familiar anual de R$ 52.800,01”
    • Lei nº 14.620, de 13 de julho de 2023 · Presidency of the Republic (Planalto) Official legal act
      Where: art. 5, §§ 1 and 1-A. Accessed October 13, 2026.
      “e benefício do Programa Bolsa Família, ou outros que vierem a substituí-los. § 1º-A. Ato do Ministro de Estado das Cidades poderá adicionar faixas aos incisos I e II do caput deste artigo e atualizar os valores de renda bruta familiar correspondentes. (incluído pela Lei nº 15.164, de 2025)”

  17. 17. According to the TCU (2010 Government Accounts), in the 2010 budget execution table, in R$ millions, the PMCMV line records an updated appropriation of 7,307, committed of 6,680 (91%), liquidated of 143 (2%), paid of 143 (2%) and 6,537 registered as unprocessed carryover payables (restos a pagar). The TCU stresses that, as for the PMCMV, there is no direct correlation with a budget program and that its execution took place, in the first two years, through five actions (transfer to the FAR, three economic subsidies and transfer to the FDS). In the text, the TCU also reports that the PMCMV's authorized appropriation rose from R$5.2 billion in 2009 to R$6.7 billion in 2010.

  18. 18. Context (dilma-1): in 2014, budget action 00AF (Payment of Shares to the Residential Leasing Fund - FAR) records in the federal budget open data (SIOP) an initial appropriation of R$12,500,000,000, authorized of R$14,500,000,000, committed and liquidated of R$14,500,000,000 and paid in the fiscal year of R$10,355,699,453, in nominal values. Under Law 11,977/2009 (art. 2, II, as worded by Law 12,693/2012), for the implementation of the PMCMV the Union would participate in the FAR by paying in shares; the action is one of the program's means of financing, not its total.

    • SIOP, consulta SPARQL: execução da ação 00AF no exercício 2014 (dotação inicial, autorizado, empenhado, liquidado, pago) · Ministry of Planning and Budget (SIOP, open budget data) Budget and spending
      Where: query CSV (header and row for fiscal year 2014, action 00AF); columns: loa = initial appropriation; lei_mais_credito = authorized; committed; liquidated; paid = paid in the fiscal year itself, without carryover payables; current reais. Accessed October 14, 2026.
      “"exercicio","codAcao","descAcao","loa","lei_mais_credito","empenhado","liquidado","pago" 2014,"00AF","Integralização de Cotas ao Fundo de Arrendamento Residencial - FAR",12500000000,14500000000,14500000000,14500000000,10355699453”
    • Lei nº 11.977, de 7 de julho de 2009 · Presidency of the Republic (Planalto) Official legal act
      Where: art. 2, main provision (wording of Law 12,424/2011). Accessed October 14, 2026.
      “Para a implementação do PMCMV, a União, observada a disponibilidade orçamentária e financeira:”
    • Lei nº 11.977, de 7 de julho de 2009 · Presidency of the Republic (Planalto) Official legal act
      Where: art. 2, II (wording of Law 12,693/2012). Accessed October 14, 2026.
      “II – participará do Fundo de Arrendamento Residencial (FAR), mediante integralização de cotas e transferirá recursos ao Fundo de Desenvolvimento Social (FDS)”
    • Lei nº 11.977, de 7 de julho de 2009 · Presidency of the Republic (Planalto) Official legal act
      Where: art. 2, II, wording note. Accessed October 14, 2026.
      “(Redação dada pela Lei nº 12.693, de 2012)”

  19. 19. In the federal budget open data (SIOP), action 00AF (Payment of Shares to the Residential Leasing Fund - FAR) records, in nominal values: in 2023, authorized appropriation and committed of R$7,799,902,585 and liquidated and paid in the fiscal year of R$7,649,902,585; in 2024, authorized and committed of R$11,266,689,667, liquidated of R$10,605,014,435 and paid of R$10,598,896,396, with R$2,000,000,000 and R$800,000,000 authorized and paid under public calamity budget plans (Provisional Measures No. 1,233 and No. 1,252, of 2024); in 2025, authorized of R$6,804,900,247 and committed, liquidated and paid of R$6,720,000,000. Law 14,620/2023 (art. 6, § 19, I) authorizes the Union to pay in shares to the FAR to make the housing assistance lines of the Minha Casa, Minha Vida Program viable; the action is one of the program's means of financing, not its total.

    • SIOP, consulta SPARQL: execução da ação 00AF no exercício 2023 (dotação inicial, autorizado, empenhado, liquidado, pago) · Ministry of Planning and Budget (SIOP, open budget data) Budget and spending
      Where: query CSV (header and row for fiscal year 2023, action 00AF); columns: loa = initial appropriation; lei_mais_credito = authorized; committed; liquidated; paid = paid in the fiscal year itself, without carryover payables; current reais. Accessed October 14, 2026.
      “"exercicio","codAcao","descAcao","loa","lei_mais_credito","empenhado","liquidado","pago" 2023,"00AF","Integralização de Cotas ao Fundo de Arrendamento Residencial - FAR",7824702585,7799902585,7799902585,7649902585,7649902585”
    • SIOP, consulta SPARQL: execução da ação 00AF no exercício 2024 (dotação inicial, autorizado, empenhado, liquidado, pago) · Ministry of Planning and Budget (SIOP, open budget data) Budget and spending
      Where: query CSV (header and row for fiscal year 2024, action 00AF); columns: loa = initial appropriation; lei_mais_credito = authorized; committed; liquidated; paid = paid in the fiscal year itself, without carryover payables; current reais. Accessed October 14, 2026.
      “"exercicio","codAcao","descAcao","loa","lei_mais_credito","empenhado","liquidado","pago" 2024,"00AF","Integralização de cotas ao Fundo de Arrendamento Residencial - FAR",9422314552,11266689667,11266689667,10605014435,10598896396”
    • SIOP, consulta SPARQL: execução da ação 00AF no exercício 2025 (dotação inicial, autorizado, empenhado, liquidado, pago) · Ministry of Planning and Budget (SIOP, open budget data) Budget and spending
      Where: query CSV (header and row for fiscal year 2025, action 00AF); columns: loa = initial appropriation; lei_mais_credito = authorized; committed; liquidated; paid = paid in the fiscal year itself, without carryover payables; current reais. Accessed October 14, 2026.
      “"exercicio","codAcao","descAcao","loa","lei_mais_credito","empenhado","liquidado","pago" 2025,"00AF","Integralização de cotas ao Fundo de Arrendamento Residencial - FAR",9245494422,6804900247,6720000000,6720000000,6720000000”
    • SIOP, consulta SPARQL: ação 00AF no exercício 2024 por plano orçamentário (autorizado, empenhado, pago) · Ministry of Planning and Budget (SIOP, open budget data) Budget and spending
      Where: query CSV by budget plan, row for the Public Calamity - MP 1,233/2024 plan (columns: lei_mais_credito, committed, paid). Accessed October 14, 2026.
      “2024,"00AF","Calamidade Pública - Medida Provisória nº 1.233 de 17 de junho de 2024 - Integralização de cotas ao Fundo de Arrendamento Residencial - FAR",2000000000,2000000000,2000000000”
    • SIOP, consulta SPARQL: ação 00AF no exercício 2024 por plano orçamentário (autorizado, empenhado, pago) · Ministry of Planning and Budget (SIOP, open budget data) Budget and spending
      Where: same CSV, row for the Public Calamity - MP 1,252/2024 plan. Accessed October 14, 2026.
      “2024,"00AF","Calamidade Pública - Medida Provisória nº 1.252 de 12 de agosto de 2024 - Integralização de cotas ao Fundo de Arrendamento Residencial - FAR",800000000,800000000,800000000”
    • Lei nº 14.620, de 13 de julho de 2023 (Programa Minha Casa, Minha Vida) · Presidency of the Republic (Planalto) Official legal act
      Where: art. 6, § 19, main provision and item I. Accessed October 14, 2026.
      “Com vistas a viabilizar as linhas de atendimento habitacionais de que trata esta Lei, sem prejuízo de outros meios operacionais, a União, por meio da alocação de recursos destinados a ações integrantes das leis orçamentárias anuais, observada a disponibilidade orçamentária e financeira, fica autorizada a: I - integralizar cotas no FAR, transferir recursos ao FDS,”

  20. 20. In 2025, action 00XF (Financing of repayable credit operations under the Minha Casa, Minha Vida Program) records in the federal budget open data (SIOP) an initial appropriation of R$18,134,899,507, authorized of R$25,668,624,383, committed of R$25,668,617,849 and liquidated and paid in the fiscal year of R$11,657,821,719, in nominal values. In the 2025 Expenditure Budget file of the Transparency Portal, the action appears under the unit Social Fund (FS), program 0902 (Special Operations: Financing with Repayment), element 66 (Granting of Loans and Financing), as a financial investment. It is repayable credit, and the amount is that of the action, not the program's total.

    • Portal da Transparência: Orçamento da Despesa 2025 (arquivo 2025_OrcamentoDespesa.zip) · Office of the Comptroller General (CGU) Budget and spending
      Where: row: fiscal year 2025, action 00XF, element 66 (UO 71903 Social Fund). Accessed October 13, 2026.
      “"FUNDO SOCIAL - FS";"28";"Encargos especiais";"846";"Outros encargos especiais";"0902";"OPERACOES ESPECIAIS: FINANCIAMENTOS COM RETORNO";"00XF";"FINANCIAMENTO DE OPERACOES DE CREDITO REEMBOLSAVEL NO AMBITO DO PROGRAMA MINHA CASA, MINHA VIDA";"4";"DESPESAS DE CAPITAL";"5";"Inversões Financeiras";"66";"Concessão de Empréstimos e Financiamentos";"25668624383,00";"25668624383,00";"25668617848,90";"11657821719,17";"45,42%"”
    • SIOP, consulta SPARQL: execução da ação 00XF no exercício 2025 (dotação inicial, autorizado, empenhado, liquidado, pago) · Ministry of Planning and Budget (SIOP, open budget data) Budget and spending
      Where: query CSV (header and row for fiscal year 2025, action 00XF); columns: loa = initial appropriation; lei_mais_credito = authorized; committed; liquidated; paid = paid in the fiscal year itself, without carryover payables; current reais. Accessed October 14, 2026.
      “"exercicio","codAcao","descAcao","loa","lei_mais_credito","empenhado","liquidado","pago" 2025,"00XF","Financiamento de operações de crédito reembolsável no âmbito do Programa Minha Casa, Minha Vida",18134899507,25668624383,25668617849,11657821719,11657821719”

  21. 21. According to the TCU (2010 Government Accounts, with data from the Ministry of Cities), as of December 31, 2010, 1,004,257 housing units had been contracted in the PMCMV, with a total financed value of R$53.03 billion (about 100.4% of the target of one million homes set for the 2009/2011 three-year period): 571,332 for families with income of 0 to 3 SM, 287,165 in the 3 to 6 SM bracket and 145,760 in the 6 to 10 SM bracket. The TCU records that about 238 thousand units were completed (92 thousand in the 0 to 3 SM bracket, 139 thousand in the 3 to 6 SM bracket and 7 thousand in the 6 to 10 SM bracket).

  22. 22. According to Agência Gov (via Secom/PR, January 29, 2025), considering all modalities, Minha Casa, Minha Vida surpassed 1.26 million homes contracted between its resumption in 2023 and December 31, 2024, and since 2023 more than 43 thousand homes have been delivered, in addition to the resumption of stalled works on more than 38.9 thousand homes. This is official communication: it proves what the government declared.

  23. 23. In a report published on January 5, 2026, Secom/PR declares that, from the start of 2023 to mid-December 2025, 491 thousand homes were contracted in 2023, 725 thousand in 2024 and 766 thousand in 2025; that 472 thousand families received homes in 2024 and another 431 thousand through mid-December 2025, in the subsidized and financed lines. In the subsidized lines funded by the Union General Budget (OGU), it declares 238.79 thousand homes contracted from 2023 onward (119.3 thousand in 2024 and 119.4 thousand in 2025), and 136.16 thousand homes contracted before 2023 with works resumed, of which 47.99 thousand completed. This is official communication: it proves what the government declared.

    • Três anos de realizações: Minha Casa, Minha Vida muda vidas de Norte a Sul do Brasil (Secom/PR, 05/01/2026; cópia Wayback de 12/06/2026) · Secretariat for Social Communication of the Presidency of the Republic (Secom/PR) Government communication
      Read from an archived copy (Internet Archive (Wayback Machine), captured June 12, 2026); original address: www.gov.br. The archive preserves the copy; the author is Secretariat for Social Communication of the Presidency of the Republic (Secom/PR).
      Where: section YEAR BY YEAR, 1st paragraph. Accessed October 13, 2026.
      “As famílias começaram a colher os frutos da nova dinâmica, com a contratação de 491 mil moradias já em 2023.”
    • Três anos de realizações: Minha Casa, Minha Vida muda vidas de Norte a Sul do Brasil (Secom/PR, 05/01/2026; cópia Wayback de 12/06/2026) · Secretariat for Social Communication of the Presidency of the Republic (Secom/PR) Government communication
      Read from an archived copy (Internet Archive (Wayback Machine), captured June 12, 2026); original address: www.gov.br. The archive preserves the copy; the author is Secretariat for Social Communication of the Presidency of the Republic (Secom/PR).
      Where: section YEAR BY YEAR, 2nd paragraph. Accessed October 13, 2026.
      “O número de contratos firmados saltou para 725 mil unidades, um crescimento expressivo que demonstrou a capilaridade do programa. Paralelamente, os canteiros de obras trabalharam a todo vapor, possibilitando que 472 mil famílias beneficiadas pelas entregas das linhas financiadas e subsidiadas realizassem a tão sonhada mudança”
    • Três anos de realizações: Minha Casa, Minha Vida muda vidas de Norte a Sul do Brasil (Secom/PR, 05/01/2026; cópia Wayback de 12/06/2026) · Secretariat for Social Communication of the Presidency of the Republic (Secom/PR) Government communication
      Read from an archived copy (Internet Archive (Wayback Machine), captured June 12, 2026); original address: www.gov.br. The archive preserves the copy; the author is Secretariat for Social Communication of the Presidency of the Republic (Secom/PR).
      Where: section YEAR BY YEAR, 3rd paragraph. Accessed October 13, 2026.
      “Foram contratadas mais 766 mil moradias, incluindo um percentual significativo destinado à Faixa Classe Média. E, em mais um momento de celebração, outras 431 mil famílias, até meados de dezembro, nas linhas subsidiadas e financiadas, receberam as chaves de seus lares”
    • Três anos de realizações: Minha Casa, Minha Vida muda vidas de Norte a Sul do Brasil (Secom/PR, 05/01/2026; cópia Wayback de 12/06/2026) · Secretariat for Social Communication of the Presidency of the Republic (Secom/PR) Government communication
      Read from an archived copy (Internet Archive (Wayback Machine), captured June 12, 2026); original address: www.gov.br. The archive preserves the copy; the author is Secretariat for Social Communication of the Presidency of the Republic (Secom/PR).
      Where: section OGU FOR THE VULNERABLE. Accessed October 13, 2026.
      “Já levando em conta apenas os empreendimentos com recursos do Orçamento Geral da União (OGU) para as linhas subsidiadas, foram contratadas 238,79 mil moradias em 3.848 novos empreendimentos a partir de 2023, com valor de R$ 31,73 bilhões. As contratações ocorreram em 2.301 municípios do país. Foram 119,3 mil moradias em 2024, com valor de R$ 18,48 bilhões, e 119,4 mil em 2025”
    • Três anos de realizações: Minha Casa, Minha Vida muda vidas de Norte a Sul do Brasil (Secom/PR, 05/01/2026; cópia Wayback de 12/06/2026) · Secretariat for Social Communication of the Presidency of the Republic (Secom/PR) Government communication
      Read from an archived copy (Internet Archive (Wayback Machine), captured June 12, 2026); original address: www.gov.br. The archive preserves the copy; the author is Secretariat for Social Communication of the Presidency of the Republic (Secom/PR).
      Where: section RESUMED WORKS. Accessed October 13, 2026.
      “Desde então, 136,16 mil moradias em 2.442 empreendimentos, que foram contratadas antes de 2023 e não foram concluídas, tiveram obras retomadas. Os empreendimentos retomados estão localizados em 1.695 municípios do país e o valor das obras acrescido de suplementações alcança R$ 9,68 bilhões. Do total, 47,99 mil moradias retomadas já foram concluídas.”

  24. 24. According to the 2020 cycle evaluation of the PMCMV by the Council for Monitoring and Evaluation of Public Policies (CMAP), carried out by SECAP/Ministry of Economy, CGU and Ipea, estimates in a municipal panel with fixed effects and with the Arellano and Bond estimator indicate that each R$1 million invested annually in the program between 2009 and 2016 was associated with the creation of 1.7 to 3.5 direct formal jobs in construction within up to one year, which would correspond to about 89 to 182 thousand formal jobs, considering average investment of R$52 billion per year.

    • Relatório de Avaliação – Programa Minha Casa, Minha Vida – Ciclo CMAP 2020 (Relatório de Avaliação nº 817512) · Council for Monitoring and Evaluation of Public Policies (CMAP); implementers: SECAP/Ministry of Economy, Office of the Comptroller General (CGU), and Ipea Audit
      Where: Section 5.7 (Impact on employment), p. 105 of the PDF. Accessed October 13, 2026.
      “Foram utilizados os estimadores de efeitos fixos (EF) e o proposto por Arellano e Bond - AB (1991).”
    • Relatório de Avaliação – Programa Minha Casa, Minha Vida – Ciclo CMAP 2020 (Relatório de Avaliação nº 817512) · Council for Monitoring and Evaluation of Public Policies (CMAP); implementers: SECAP/Ministry of Economy, Office of the Comptroller General (CGU), and Ipea Audit
      Where: Section 5.7 (Impact on employment), p. 105 of the PDF. Accessed October 13, 2026.
      “Os resultados apresentados na Tabela 35 estimam que para cada R$ 1 milhão investidos no PMCMV anualmente, foram criados de 1,7 (estimador AB) a 3,5 (estimador EF) empregos formais diretos no setor de construção civil, em até um ano após a contratação de novas unidades. Isto significa, em termos globais, a criação de cerca de 89 a 182 mil empregos formais, considerando uma média de investimento de R$ 52 bilhões anuais entre 2009 e 2016.”

  25. 25. In Ruling 2456/2016-Plenary (operational audit coordinated within Olacefs on social-interest housing under MCMV), the TCU recorded systemic construction defects in 9 of the 10 developments in the sample, which generally did not compromise habitability and healthfulness, and that the only service considered met by all developments was regular garbage collection.

  26. 26. In the 2020 CMAP evaluation, when INSS income (SISBEN base) was included, 8,318 beneficiaries with income above the limit were identified, representing 1.9% of PMCMV borrowers with contracts signed between 2016 and 2019.

  27. 27. According to the 2020 CMAP evaluation, despite almost 6 million units contracted between 2009 and 2019, the quantitative housing deficit continued to grow and stabilized at around 6 million households in recent years; the report notes that it is possible that the deficit would have advanced further without the program.

  28. 28. According to the 2020 CMAP evaluation, the location of developments in regions far from urban centers is possibly the problem most cited by researchers in evaluations of the program, with social segregation, mobility difficulties and a lack of urban infrastructure nearby.

    • Relatório de Avaliação – Programa Minha Casa, Minha Vida – Ciclo CMAP 2020 (Relatório de Avaliação nº 817512) · Council for Monitoring and Evaluation of Public Policies (CMAP); implementers: SECAP/Ministry of Economy, Office of the Comptroller General (CGU), and Ipea Audit
      Where: Section 5.1.1.2 (Problems identified), Problem 1, p. 74 of the PDF. Accessed October 13, 2026.
      “A localização dos empreendimentos em regiões distantes dos centros urbanos é possivelmente o problema mais citado por pesquisadores em avaliações do programa. Segregação social e dificuldade de mobilidade são efeitos diretos do distanciamento, além da falta de infraestrutura urbana nas proximidades”

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