Cooperativa habitacional autofinanciável :uma alternativa de mercado à escassez de financiamento
Autor(a) principal: | |
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Data de Publicação: | 2004 |
Tipo de documento: | Dissertação |
Idioma: | por |
Título da fonte: | Repositório Institucional da UFRN |
Texto Completo: | https://repositorio.ufrn.br/jspui/handle/123456789/12360 |
Resumo: | As an example of what happened in Brazil in the 90s, it s noticed in Natal a new system of cooperative housing production which is done by advancing the users resources selffinancing. This system comes as an alternative for the real state market performance since the end of the National Housing Bank (BNH), in 1986. Self-financed housing cooperatives play an important social role by contributing to own housing acquisition by low-income population, without, however, becoming a mechanism of social interest housing production. It is important to consider that Brazil registers a housing deficit of 6.6 million housing units (IBGE 2000/Census), which, compared to 1991, shows an increment of 21.7% to a growth rate of 2.2% a year. This deficit figure has been deepening, mainly with the end of the National Housing Bank (BNH). The self-financed cooperative housing production broadens around the Metropolitan Region of Natal (RMN) and remains as an alternative to the lack of financing in the housing / real state market. In general, the aim of this work is to analyze the role of self-financing housing cooperatives on the housing production in the RMN, in order to identify their role in the real state market, in the own housing promotion and in the housing policy. The Universe of this study is performance of four housing cooperatives - CHAF-RN, COOPHAB-RN, MULTHCOOP e CNH - that work through self-financing. It is considered here an amount of 38 undertakings launched between 1993 and 2002, including 8143 housing units. The methodology adopted consists of bibliographic, documental and field research. As a result, actions like brokerage, marketing, speculation, and the criteria to define places for undertakings and final products, show how close they are to the housing market production. As a matter of fact, this short distance explains why the self-financed cooperative production for social interest housing is still limited. This reinforces the theory that it is necessary to define and implement a subsidized housing policy to serve the low-income Brazilian population |
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Morais, Maria Cristina dehttp://buscatextual.cnpq.br/buscatextual/visualizacv.do?id=K4701403H7http://buscatextual.cnpq.br/buscatextual/visualizacv.do?id=K4780468Z4Souza, Angela Maria Gordilhohttp://buscatextual.cnpq.br/buscatextual/visualizacv.do?id=K4721836T6Valéry, Françoise Dominiquehttp://buscatextual.cnpq.br/buscatextual/visualizacv.do?id=K4783095E6Ferreira, Angela Lúcia de Araújo2014-12-17T13:57:04Z2006-11-222014-12-17T13:57:04Z2004-10-21MORAIS, Maria Cristina de. Cooperativa habitacional autofinanciável :uma alternativa de mercado à escassez de financiamento. 2004. 344 f. Dissertação (Mestrado em Conforto no Ambiente Construído; Forma Urbana e Habitação) - Universidade Federal do Rio Grande do Norte, Natal, 2004.https://repositorio.ufrn.br/jspui/handle/123456789/12360As an example of what happened in Brazil in the 90s, it s noticed in Natal a new system of cooperative housing production which is done by advancing the users resources selffinancing. This system comes as an alternative for the real state market performance since the end of the National Housing Bank (BNH), in 1986. Self-financed housing cooperatives play an important social role by contributing to own housing acquisition by low-income population, without, however, becoming a mechanism of social interest housing production. It is important to consider that Brazil registers a housing deficit of 6.6 million housing units (IBGE 2000/Census), which, compared to 1991, shows an increment of 21.7% to a growth rate of 2.2% a year. This deficit figure has been deepening, mainly with the end of the National Housing Bank (BNH). The self-financed cooperative housing production broadens around the Metropolitan Region of Natal (RMN) and remains as an alternative to the lack of financing in the housing / real state market. In general, the aim of this work is to analyze the role of self-financing housing cooperatives on the housing production in the RMN, in order to identify their role in the real state market, in the own housing promotion and in the housing policy. The Universe of this study is performance of four housing cooperatives - CHAF-RN, COOPHAB-RN, MULTHCOOP e CNH - that work through self-financing. It is considered here an amount of 38 undertakings launched between 1993 and 2002, including 8143 housing units. The methodology adopted consists of bibliographic, documental and field research. As a result, actions like brokerage, marketing, speculation, and the criteria to define places for undertakings and final products, show how close they are to the housing market production. As a matter of fact, this short distance explains why the self-financed cooperative production for social interest housing is still limited. This reinforces the theory that it is necessary to define and implement a subsidized housing policy to serve the low-income Brazilian populationA exemplo do que ocorreu no Brasil na década de 1990, surge em Natal, 1993, um novo sistema de produção cooperada de moradia que consiste na antecipação de recursos dos próprios usuários à produção - autofinanciamento. Esse sistema nasce enquanto uma alternativa para o desempenho das atividades do mercado imobiliário face à redução e escassez do financiamento estatal, após a extinção do Banco Nacional da Habitação -BNH, em 1986. As Cooperativas Habitacionais Autofinanciáveis desempenham importante papel social, ao contribuírem para a aquisição da casa própria para determinados segmentos da população, sem, no entanto, se constituírem mecanismo de promoção e produção de habitação de interesse social. Vale lembrar que o Brasil registra um déficit habitacional de 6,6 milhões de unidades (IBGE -Censo/2000) que, comparado ao de 1991, significa um incremento de 21,7% a uma taxa de crescimento de 2,2% ao ano. O quadro de déficit vem se aprofundando, principalmente com a extinção do BNH. Esta forma cooperada de produção de moradia se expande pela Região Metropolitana de Natal (RMN) e constitui, ainda hoje, uma alternativa à escassez de financiamento no mercado imobiliário habitacional. O objetivo deste trabalho, no geral, é compreender o papel das Cooperativas Habitacionais Autofinanciáveis na produção de moradia na RMN, a fim de identificar o seu papel no mercado imobiliário, na promoção da casa própria e na política habitacional. O universo considerado é a atuação das Cooperativas Habitacionais com sede em Natal - CHAF-RN, COOPHAB-RN, MULTHCOOP e CNH -que atuam através do autofinanciamento. É considerada a totalidade dos 38 empreendimentos lançados no período de 1993 a 2002, abrangendo 8143 unidades habitacionais. A metodologia adotada contempla a pesquisa bibliográfica, documental e de campo. Enquanto resultados obtidos, a reprodução de práticas, como corretagem, marketing, especulação, os critérios utilizados para definição de localização dos empreendimentos e o produto final, demonstram a estreita aproximação com a produção mercantil de moradia. Aliás, o não distanciamento da lógica de produção de mercado se constitui um elemento que explica as limitações da produção cooperada autofinanciada para habitação de interesse social. Isto reforça a tese da necessidade de definição e implementação de uma política habitacional subsidiada para atender a população brasileira de baixa rendaapplication/pdfporUniversidade Federal do Rio Grande do NortePrograma de Pós-Graduação em Arquitetura e UrbanismoUFRNBRConforto no Ambiente Construído; Forma Urbana e HabitaçãoHabitaçãoProdução cooperativadaMercado imobiliárioFinanciamentoHousingCooperative productionReal state marketFinancingCNPQ::CIENCIAS SOCIAIS APLICADAS::ARQUITETURA E URBANISMOCooperativa habitacional autofinanciável :uma alternativa de mercado à escassez de financiamentoinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisinfo:eu-repo/semantics/openAccessreponame:Repositório Institucional da UFRNinstname:Universidade Federal do Rio Grande do Norte (UFRN)instacron:UFRNORIGINALCooperativaHabitacionalAutofinanciável_Morais_2004.pdfCooperativaHabitacionalAutofinanciável_Morais_2004.pdfapplication/pdf7736421https://repositorio.ufrn.br/bitstream/123456789/12360/1/CooperativaHabitacionalAutofinanci%c3%a1vel_Morais_2004.pdfed82f9c0bd2a8612d96791c5f6ddc0ebMD51TEXTMariaCM_DISSERT.pdf.txtMariaCM_DISSERT.pdf.txtExtracted texttext/plain730747https://repositorio.ufrn.br/bitstream/123456789/12360/6/MariaCM_DISSERT.pdf.txt9bf06bcf5bcc2baf5f30b9bca953de29MD56CooperativaHabitacionalAutofinanciável_Morais_2004.pdf.txtCooperativaHabitacionalAutofinanciável_Morais_2004.pdf.txtExtracted texttext/plain730747https://repositorio.ufrn.br/bitstream/123456789/12360/8/CooperativaHabitacionalAutofinanci%c3%a1vel_Morais_2004.pdf.txt9bf06bcf5bcc2baf5f30b9bca953de29MD58CooperativaHabitacionalAutofinanciável_Morais_2004.pdf.txtCooperativaHabitacionalAutofinanciável_Morais_2004.pdf.txtExtracted texttext/plain730747https://repositorio.ufrn.br/bitstream/123456789/12360/8/CooperativaHabitacionalAutofinanci%c3%a1vel_Morais_2004.pdf.txt9bf06bcf5bcc2baf5f30b9bca953de29MD58THUMBNAILMariaCM_DISSERT.pdf.jpgMariaCM_DISSERT.pdf.jpgIM Thumbnailimage/jpeg7200https://repositorio.ufrn.br/bitstream/123456789/12360/7/MariaCM_DISSERT.pdf.jpgdef2aa22e69cc41f3252fd04eb3e0123MD57CooperativaHabitacionalAutofinanciável_Morais_2004.pdf.jpgCooperativaHabitacionalAutofinanciável_Morais_2004.pdf.jpgIM Thumbnailimage/jpeg7200https://repositorio.ufrn.br/bitstream/123456789/12360/9/CooperativaHabitacionalAutofinanci%c3%a1vel_Morais_2004.pdf.jpgdef2aa22e69cc41f3252fd04eb3e0123MD59CooperativaHabitacionalAutofinanciável_Morais_2004.pdf.jpgCooperativaHabitacionalAutofinanciável_Morais_2004.pdf.jpgIM Thumbnailimage/jpeg7200https://repositorio.ufrn.br/bitstream/123456789/12360/9/CooperativaHabitacionalAutofinanci%c3%a1vel_Morais_2004.pdf.jpgdef2aa22e69cc41f3252fd04eb3e0123MD59123456789/123602019-01-30 05:23:12.903oai:https://repositorio.ufrn.br:123456789/12360Repositório de PublicaçõesPUBhttp://repositorio.ufrn.br/oai/opendoar:2019-01-30T08:23:12Repositório Institucional da UFRN - Universidade Federal do Rio Grande do Norte (UFRN)false |
dc.title.por.fl_str_mv |
Cooperativa habitacional autofinanciável :uma alternativa de mercado à escassez de financiamento |
title |
Cooperativa habitacional autofinanciável :uma alternativa de mercado à escassez de financiamento |
spellingShingle |
Cooperativa habitacional autofinanciável :uma alternativa de mercado à escassez de financiamento Morais, Maria Cristina de Habitação Produção cooperativada Mercado imobiliário Financiamento Housing Cooperative production Real state market Financing CNPQ::CIENCIAS SOCIAIS APLICADAS::ARQUITETURA E URBANISMO |
title_short |
Cooperativa habitacional autofinanciável :uma alternativa de mercado à escassez de financiamento |
title_full |
Cooperativa habitacional autofinanciável :uma alternativa de mercado à escassez de financiamento |
title_fullStr |
Cooperativa habitacional autofinanciável :uma alternativa de mercado à escassez de financiamento |
title_full_unstemmed |
Cooperativa habitacional autofinanciável :uma alternativa de mercado à escassez de financiamento |
title_sort |
Cooperativa habitacional autofinanciável :uma alternativa de mercado à escassez de financiamento |
author |
Morais, Maria Cristina de |
author_facet |
Morais, Maria Cristina de |
author_role |
author |
dc.contributor.authorID.por.fl_str_mv |
|
dc.contributor.authorLattes.por.fl_str_mv |
http://buscatextual.cnpq.br/buscatextual/visualizacv.do?id=K4701403H7 |
dc.contributor.advisorID.por.fl_str_mv |
|
dc.contributor.advisorLattes.por.fl_str_mv |
http://buscatextual.cnpq.br/buscatextual/visualizacv.do?id=K4780468Z4 |
dc.contributor.referees1.pt_BR.fl_str_mv |
Souza, Angela Maria Gordilho |
dc.contributor.referees1ID.por.fl_str_mv |
|
dc.contributor.referees1Lattes.por.fl_str_mv |
http://buscatextual.cnpq.br/buscatextual/visualizacv.do?id=K4721836T6 |
dc.contributor.referees2.pt_BR.fl_str_mv |
Valéry, Françoise Dominique |
dc.contributor.referees2ID.por.fl_str_mv |
|
dc.contributor.referees2Lattes.por.fl_str_mv |
http://buscatextual.cnpq.br/buscatextual/visualizacv.do?id=K4783095E6 |
dc.contributor.author.fl_str_mv |
Morais, Maria Cristina de |
dc.contributor.advisor1.fl_str_mv |
Ferreira, Angela Lúcia de Araújo |
contributor_str_mv |
Ferreira, Angela Lúcia de Araújo |
dc.subject.por.fl_str_mv |
Habitação Produção cooperativada Mercado imobiliário Financiamento |
topic |
Habitação Produção cooperativada Mercado imobiliário Financiamento Housing Cooperative production Real state market Financing CNPQ::CIENCIAS SOCIAIS APLICADAS::ARQUITETURA E URBANISMO |
dc.subject.eng.fl_str_mv |
Housing Cooperative production Real state market Financing |
dc.subject.cnpq.fl_str_mv |
CNPQ::CIENCIAS SOCIAIS APLICADAS::ARQUITETURA E URBANISMO |
description |
As an example of what happened in Brazil in the 90s, it s noticed in Natal a new system of cooperative housing production which is done by advancing the users resources selffinancing. This system comes as an alternative for the real state market performance since the end of the National Housing Bank (BNH), in 1986. Self-financed housing cooperatives play an important social role by contributing to own housing acquisition by low-income population, without, however, becoming a mechanism of social interest housing production. It is important to consider that Brazil registers a housing deficit of 6.6 million housing units (IBGE 2000/Census), which, compared to 1991, shows an increment of 21.7% to a growth rate of 2.2% a year. This deficit figure has been deepening, mainly with the end of the National Housing Bank (BNH). The self-financed cooperative housing production broadens around the Metropolitan Region of Natal (RMN) and remains as an alternative to the lack of financing in the housing / real state market. In general, the aim of this work is to analyze the role of self-financing housing cooperatives on the housing production in the RMN, in order to identify their role in the real state market, in the own housing promotion and in the housing policy. The Universe of this study is performance of four housing cooperatives - CHAF-RN, COOPHAB-RN, MULTHCOOP e CNH - that work through self-financing. It is considered here an amount of 38 undertakings launched between 1993 and 2002, including 8143 housing units. The methodology adopted consists of bibliographic, documental and field research. As a result, actions like brokerage, marketing, speculation, and the criteria to define places for undertakings and final products, show how close they are to the housing market production. As a matter of fact, this short distance explains why the self-financed cooperative production for social interest housing is still limited. This reinforces the theory that it is necessary to define and implement a subsidized housing policy to serve the low-income Brazilian population |
publishDate |
2004 |
dc.date.issued.fl_str_mv |
2004-10-21 |
dc.date.available.fl_str_mv |
2006-11-22 2014-12-17T13:57:04Z |
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2014-12-17T13:57:04Z |
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info:eu-repo/semantics/publishedVersion |
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info:eu-repo/semantics/masterThesis |
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masterThesis |
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publishedVersion |
dc.identifier.citation.fl_str_mv |
MORAIS, Maria Cristina de. Cooperativa habitacional autofinanciável :uma alternativa de mercado à escassez de financiamento. 2004. 344 f. Dissertação (Mestrado em Conforto no Ambiente Construído; Forma Urbana e Habitação) - Universidade Federal do Rio Grande do Norte, Natal, 2004. |
dc.identifier.uri.fl_str_mv |
https://repositorio.ufrn.br/jspui/handle/123456789/12360 |
identifier_str_mv |
MORAIS, Maria Cristina de. Cooperativa habitacional autofinanciável :uma alternativa de mercado à escassez de financiamento. 2004. 344 f. Dissertação (Mestrado em Conforto no Ambiente Construído; Forma Urbana e Habitação) - Universidade Federal do Rio Grande do Norte, Natal, 2004. |
url |
https://repositorio.ufrn.br/jspui/handle/123456789/12360 |
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por |
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openAccess |
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Universidade Federal do Rio Grande do Norte |
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Programa de Pós-Graduação em Arquitetura e Urbanismo |
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UFRN |
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BR |
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Conforto no Ambiente Construído; Forma Urbana e Habitação |
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Universidade Federal do Rio Grande do Norte |
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