O papel do crédito imobiliário no desenvolvimento habitacional brasileiro

Abstract

Real estate credit plays a fundamental role in the economic and social development of Brazil, guaranteeing access to housing for millions of Brazilians. However, until the mid-1960s, access to housing credit was extremely restricted. It was only after the creation of the Sistema Financeiro de Habitação (SFH), in 1964, that public policies to encourage real estate credit began to be implemented in the country. This study aims to analyze the evolution of real estate credit in Brazil, considering the main housing policies proposed over the years, with emphasis on the creation of the Minha Casa, Minha Vida Program, in 2009. The qualitative research is based on a bibliographical review, aiming to extract important criticisms and considerations on the topic. It is clear that, despite advances in real estate credit, the sector faces challenges due to the scarcity of resources from the FGTS and SBPE. Therefore, it is concluded that it is necessary to seek sustainable alternatives to capture these resources, aiming to guarantee stability to the Brazilian real estate market and, mainly, to expand access to housing for the population.