Habitação popular: avaliação e propostas de reformulação do sistema financeiro da habitação

• Autor(a) principal: Albuquerque, Marcos Cintra Cavalcanti de
• Data de Publicação: 1986
• Tipo de documento: Artigo
• Idioma: por
• Título da fonte: Estudos Econômicos (São Paulo)
• Texto Completo: https://www.revistas.usp.br/ee/article/view/157263

The housing shortage in Brazil is acute and in the beginning years of the 80's, the problem has grown considerably more serious. The government, acting through the SFH (Housing Financial System) and theBNH (National Housing Bank), has had a disappointing performance. The SFH evolved into an overgrown structure, considerably distant from its main objectives, favouring, basically, the middle classes, contractors and the banking system. The financial structure of the SFH is based on unstable grounds and on technically incorrect premisses. The end result could easily be the abrupt destabilization of the program. Eight suggestions are put forward in order to restructure the SFH, among them the monopolization by the government of the saving deposits, the creation of private "housing" banks, subsidies|for low-income housing, and special emphasis on loans for housing plots and for self-building housing programs.