Análise de viabilidade econômica: Empreendimento residencial bifamiliar padrão alto para o público pertencente a faixa 3 do programa Minha casa, Minha vida

Abstract

The construction market, after a period of economic and political crisis recently faced by Brazil,it is once again restored to attractive market conditions. For, the demand for housing to the program My House, My Life has grown considerably in recent months. In addition, families with higher income brackets are now included in the Minha Casa, Minha Vida program.With this in mind, a feasibility study was carried out for a residential house classified as type R2, medium / high standard 12x32 lot project in the city of João Pessoa - PB for the beneficiaries of this housing program mentioned above with a family income between 4 and 9 thousand real. For this, all necessary projects for the construction of the enterprise were elaborated. Next, the analytical budget of the construction was conceived. Lastly, after setting the sale price of the property, it was compared to the maximum amount of financing of a property by Caixa Econômica Federal for the Minha Casa, Minha Vida program in the capital João Pessoa, Paraíba. Therefore, the sale price of the property was 345 thousand reais and the maximum amount of financing by Caixa Econômica Federal for the Minha Casa Minha Vida program was 190 thousand reais. Therefore, a difference of approximately 155 thousand reais. This was due to a number of factors. The first one was that the materials used in the construction generated higher costs than expected.Second, according to the profit margin built into the calculation of the BDI was 15%, as the study is for sale of 2 residential units only. If there were hundreds of housing units could reduce the profit, since the financial volume would be higher considering hundreds of sales in a short period. Third, the value of the land of the property represents almost half of its selling price, because it is an enterprise in a capital. Thus, if the construction was carried out in another location with more affordable land prices, the sale value of the development could be cheaper. Fourth, the development has a considerably large built area. In this way, since several unit costs are dependent on the constructed area factor, it could reduce the sale price of the property through the reduction of the built area of the project. In summary, although it did not achieve the personal objective of framing the twin-town house project in the maximum amount that can be financed by the Minha Casa, Minha Vida program,but it was possible to achieve the general objective of this work, which was to elaborate a coherent feasibility analysis for the construction. Therefore, it has been learned that in low-cost construction work, the following parameters must be taken into account: land value, built area, profit and number of projects.