Financiamento habitacional no Brasil: uma análise histórica dos principais contribuintes na política de habitação

Abstract

Housing finance is an important sector in the social and economic development of the country, therefore, we will seek through this research to make a historical analysis of the systems and programs created to facilitate the population in the acquisition of home ownership. In the social sphere, policies aimed at housing are responsible for facilitating through incentives such as subsidies and affordable interest rates, that economically less favored families can achieve the dream of obtaining their own home. In the economic sphere, housing finance is closely linked to civil construction, which is one of the sectors that most enhances the country's economy, generating employment and income for several families throughout the Brazilian territory. When dealing with the Housing Financial System, we will highlight its historical importance in the evolution of the housing policy process and in the availability of real estate credit through FGTS and SBPE resources, however, we will seek to clarify that the system still needs to be improved, as well as the Program Minha Casa, Minha Vida, presented by the Federal Government in 2009 with the intention of revolutionizing housing financing and significantly impacting low-income families, but which leaves much to be desired in important points for the quality of life of the people benefited by the program