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      "text": "Buyers: Provide loans at 5-8% interest for up to 90% of a house's value; Those making up to 3x minimum wage access full subsidy, up to US $27,000; Those between 3-6x minimum wage have access to smaller subsidy and loan size; Loan must be re-financed within 3 years; Reduce or eliminates stamp fees and other one-time costs; No down payment or any other payment before occupation",
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      "text": "Construction companies: Improve financing conditions; Lower interest rates; Helps manage land purchase cash requirements; Few pre-sale requirements (30% committed for approval); Cost reduction; Insurance; Taxes; Tributes and contributions",
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      "text": "Material supplier companies: Suppliers are encouraged to develop new materials, especially for the supply of the programme; Fabrimar, a metal company will launch a completely new line sold directly to the construction companies; Suvinil, a paint company from BASF group, is investing in low pricing product line to paint a million houses, with just 50 million litres of paint.",
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      "text": "US $20 billion fund established by Brazil's Federal Government\n1 million households targeted (now expanded to ~3 million)\nProgram incentives and private sector obligations co-created with the private sector\nDirectly reporting to the President with periodic performance dialogues",
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      "text": "1 Subsidies based on income segment and approved loan, with a cap on installment to income ratio for each income segment",
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      "text": "Source: Brazil Federal Government Minha Casa Minha Vida program",
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      "text": "Several examples are emerging of breakthroughs in delivering housing impact – (1/2) Brazil",
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