Welinton Dos Santos is economist the dream of the proper house can become reality, in the Brazilian real estate market appears innumerable products that take care of to all public. The federal government launched the Program ' ' My House, My Vida' ' , disponibilizado in the site: . This program is for acquisition of property for families who receive up to 10 minimum wages, the strong points that I detach of this project are: – Safe that it guarantees the payment of the installments in case of loss of job, for one determined in agreement time and the wage band; – Reduction of the notarial costs for real estate record; – Tax of lesser interests for the income band enters the 3 5 minimum wages of 5% to the year and 5 the 6 minimum wages of 8,16% to the year. – Improvement of the bureaucratic process the constructors, with reduction of stated periods of ambient findings, registers, amongst others. – The cost of the property could be lesser while to last the incentives the basic basket of construction. Incentives for the companies of the sector of civil construction. Other plans of financing in the CEF for use exist or not of the FGTS, as the habitacional trust, but to take care because the trust of property in private companies is cheaper, in the simulator of the CEF of a property of R$ 80,000, 00 in 120 months are with tax of 17% administration, deep reserve of 5% with the first installment of R$ 1013,04 for first the four installments and too much R$ 851,04, while in the private initiative in the same immovable simulator the 60 first installments leave for R$ 945,96 and of the 120 installment 61 the installment falls for R$ 666,67. Total value CEF R$ 102,772, 80, is the corrections of the period and in the private initiative it is in R$ 96,757, 80, more the corrections of the period, values of 3 week of April of 2009.A difference the greater is of 6,21%, therefore to be intent which type of trust desires to contract and to consult the BACEN to verify the idoneousness of the trust company.