Effects of increased credit in housing real estate production in the city of São Paulo - period 2005-2012

Detalhes bibliográficos
Autor(a) principal: G. Braga de Lima, Luciano
Data de Publicação: 2014
Tipo de documento: Artigo
Idioma: por
Título da fonte: arq.urb
Texto Completo: https://revistaarqurb.com.br/arqurb/article/view/358
Resumo: This article aims to analyze the effects of mortgage policy promoted by Brazil’s federal government from the year 2005 on residential development production in São Paulo, about real estate costs and the share of population which can have access to mortgages to buy them. This analysis will be based in statistical data of population growth provided by IBGE, the evolution of the housing deficit according to the Ministry of Cities, the housing demand according to research from Caixa Economica Federal, cost indexes of real estate for sale by Fipe-Zap, data of mortgage from Abecip and sectoral entities acting as SECOVI. These factors indicate the expansion of population served by mortgage, but the increased availability of credit led to a significant increase in property prices and urbanized land, which paradoxically produces exactly the opposite effect for a significant portion of the population, the difficulty of eligibility to receive the mortgage because the gap between income and cost of real estate.
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spelling Effects of increased credit in housing real estate production in the city of São Paulo - period 2005-2012Efeitos do aumento do crédito na produção imobiliária residencial da cidade de São Paulo – período 2005 a 2012CréditoHabitaçãoPolíticas públicasCreditHousingPublic PoliciesThis article aims to analyze the effects of mortgage policy promoted by Brazil’s federal government from the year 2005 on residential development production in São Paulo, about real estate costs and the share of population which can have access to mortgages to buy them. This analysis will be based in statistical data of population growth provided by IBGE, the evolution of the housing deficit according to the Ministry of Cities, the housing demand according to research from Caixa Economica Federal, cost indexes of real estate for sale by Fipe-Zap, data of mortgage from Abecip and sectoral entities acting as SECOVI. These factors indicate the expansion of population served by mortgage, but the increased availability of credit led to a significant increase in property prices and urbanized land, which paradoxically produces exactly the opposite effect for a significant portion of the population, the difficulty of eligibility to receive the mortgage because the gap between income and cost of real estate.Este artigo tem como objetivo analisar os efeitos da política de crédito imobiliário do governo federal a partir do ano de 2005 na produção imobiliária residencial em São Paulo, os custos dos imóveis e a parcela da população que pode ter acesso ao crédito para comprá-los. Essa análise será baseada em dados estatísticos de crescimento populacional do IBGE, da evolução do déficit habitacional segundo o Ministério das Cidades, da demanda habitacional segundo pesquisa da Caixa Econômica Federal, índices de custo dos imóveis a venda da Fipe-Zap, dados de crédito imobiliário da Abecip e de órgãos de atuação setorial. Esses fatores indicam a expansão da população atendida pelo crédito imobiliário, mas essa expansão levou ao aumento expressivo dos preços dos imóveis novos e do custo da terra urbanizada, o que paradoxalmente faz com que uma parcela expressiva da população tenha dificuldades de elegibilidade a receber crédito imobiliário pela defasagem entre a renda e o custo dos imóveis.Universidade São Judas Tadeu – Programa de Pós-Graduação Stricto Sensu em Arquitetura e Urbanismo2014-01-08info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionapplication/pdfhttps://revistaarqurb.com.br/arqurb/article/view/358arq.urb; No. 11 (2014): jan. - jun. ; 95-110arq.urb; Núm. 11 (2014): jan. - jun. ; 95-110arq.urb; n. 11 (2014): jan. - jun. ; 95-1101984-5766reponame:arq.urbinstname:Universidade São Judas Tadeuinstacron:USJTporhttps://revistaarqurb.com.br/arqurb/article/view/358/327Copyright (c) 2014 Luciano G. Braga de Limahttps://creativecommons.org/licenses/by-nc/4.0info:eu-repo/semantics/openAccessG. Braga de Lima, Luciano 2021-03-26T19:31:48Zoai:ojs.emnuvens.com.br:article/358Revistahttps://revistaarqurb.com.br/arqurbPRIhttps://revistaarqurb.com.br/arqurb/oairevista.arq.urb@saojudas.br||1984-57661984-5766opendoar:2021-03-26T19:31:48arq.urb - Universidade São Judas Tadeufalse
dc.title.none.fl_str_mv Effects of increased credit in housing real estate production in the city of São Paulo - period 2005-2012
Efeitos do aumento do crédito na produção imobiliária residencial da cidade de São Paulo – período 2005 a 2012
title Effects of increased credit in housing real estate production in the city of São Paulo - period 2005-2012
spellingShingle Effects of increased credit in housing real estate production in the city of São Paulo - period 2005-2012
G. Braga de Lima, Luciano
Crédito
Habitação
Políticas públicas
Credit
Housing
Public Policies
title_short Effects of increased credit in housing real estate production in the city of São Paulo - period 2005-2012
title_full Effects of increased credit in housing real estate production in the city of São Paulo - period 2005-2012
title_fullStr Effects of increased credit in housing real estate production in the city of São Paulo - period 2005-2012
title_full_unstemmed Effects of increased credit in housing real estate production in the city of São Paulo - period 2005-2012
title_sort Effects of increased credit in housing real estate production in the city of São Paulo - period 2005-2012
author G. Braga de Lima, Luciano
author_facet G. Braga de Lima, Luciano
author_role author
dc.contributor.author.fl_str_mv G. Braga de Lima, Luciano
dc.subject.por.fl_str_mv Crédito
Habitação
Políticas públicas
Credit
Housing
Public Policies
topic Crédito
Habitação
Políticas públicas
Credit
Housing
Public Policies
description This article aims to analyze the effects of mortgage policy promoted by Brazil’s federal government from the year 2005 on residential development production in São Paulo, about real estate costs and the share of population which can have access to mortgages to buy them. This analysis will be based in statistical data of population growth provided by IBGE, the evolution of the housing deficit according to the Ministry of Cities, the housing demand according to research from Caixa Economica Federal, cost indexes of real estate for sale by Fipe-Zap, data of mortgage from Abecip and sectoral entities acting as SECOVI. These factors indicate the expansion of population served by mortgage, but the increased availability of credit led to a significant increase in property prices and urbanized land, which paradoxically produces exactly the opposite effect for a significant portion of the population, the difficulty of eligibility to receive the mortgage because the gap between income and cost of real estate.
publishDate 2014
dc.date.none.fl_str_mv 2014-01-08
dc.type.driver.fl_str_mv info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
format article
status_str publishedVersion
dc.identifier.uri.fl_str_mv https://revistaarqurb.com.br/arqurb/article/view/358
url https://revistaarqurb.com.br/arqurb/article/view/358
dc.language.iso.fl_str_mv por
language por
dc.relation.none.fl_str_mv https://revistaarqurb.com.br/arqurb/article/view/358/327
dc.rights.driver.fl_str_mv Copyright (c) 2014 Luciano G. Braga de Lima
https://creativecommons.org/licenses/by-nc/4.0
info:eu-repo/semantics/openAccess
rights_invalid_str_mv Copyright (c) 2014 Luciano G. Braga de Lima
https://creativecommons.org/licenses/by-nc/4.0
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.publisher.none.fl_str_mv Universidade São Judas Tadeu – Programa de Pós-Graduação Stricto Sensu em Arquitetura e Urbanismo
publisher.none.fl_str_mv Universidade São Judas Tadeu – Programa de Pós-Graduação Stricto Sensu em Arquitetura e Urbanismo
dc.source.none.fl_str_mv arq.urb; No. 11 (2014): jan. - jun. ; 95-110
arq.urb; Núm. 11 (2014): jan. - jun. ; 95-110
arq.urb; n. 11 (2014): jan. - jun. ; 95-110
1984-5766
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instname:Universidade São Judas Tadeu
instacron:USJT
instname_str Universidade São Judas Tadeu
instacron_str USJT
institution USJT
reponame_str arq.urb
collection arq.urb
repository.name.fl_str_mv arq.urb - Universidade São Judas Tadeu
repository.mail.fl_str_mv revista.arq.urb@saojudas.br||
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