Can I choose my apartment under MCMV Bracket 1?
In short: No. Under MCMV Bracket 1, the apartment is assigned by public lottery — the beneficiary does not choose the development or the specific unit. Under Brackets 2, 3, and 4, the buyer chooses the property freely on the market and then brings the deal to the bank.
How Bracket 1 works — why there’s no choice
Bracket 1 operates with funds from the Residential Leasing Fund (FAR), managed by Caixa in partnership with municipalities. Under this model, the federal government finances the construction of entire developments; families don’t choose the property — they are selected and assigned by the local government to already-built units.
The process works as follows:
- The municipality proposes the development to Caixa (land + project + registered demand)
- Caixa contracts the construction and oversees the works
- Once the units are ready, the city government selects families from the Housing Registry (CHF) according to vulnerability criteria
- A public lottery determines which family occupies which unit within the development
- The family may decline, but loses their turn and returns to the registry for future selection
Who decides which families are called
In Florianópolis, selection is carried out by the SMPHDU (Municipal Secretariat of Planning, Housing, and Urban Development), based on those registered with the CHF and the criteria under MCID Ordinance No. 724/2023. Priority goes to families headed by women, families with a person with a disability, families with an elderly member, families in at-risk areas, or in situations of domestic violence.
Registration with CadÚnico (the federal Single Registry) is a mandatory requirement — without it, a family cannot enter the process. In Florianópolis, a minimum of 5 years of documented residency in the municipality is also required.
Reference case in Florianópolis
The first MCMV Bracket 1 development using FAR funds contracted in Florianópolis was Complexo Caeira, on the Morro da Cruz massif, finalized in April 2025 with an investment of R$ 32.1 million. Families were selected through the CHF based on vulnerability criteria — with no possibility of choosing a unit.
Brackets 2, 3, and 4: the buyer chooses
Under Brackets 2, 3, and 4 (which use FGTS funds), the process is entirely different: the buyer chooses the property on the open market — new or previously owned, within the program’s income and price limits —, closes the deal with the seller or developer, and then goes to the bank for financing. The choice is entirely the buyer’s.
Related questions
- How do I register with Florianópolis’s Housing Registry?
- Can Bolsa Família recipients participate in MCMV?
- What is Floripa para All?
Want to know which MCMV bracket best fits your profile? Talk to a Regente agent.