Sistema Financeiro da Habitação e programas habitacionais alternativos: diagnóstico e perspectivas

Abstract

This paper presents a synthesis of the main conclusions of the research "housing finance system: short-term perspectives, impacts on the housing sector and alternative orms of housing production”, sponsored by DEPEA/CEF and carried out by IEI/UFRJ, during the period january/1987 - august/1988. The broad scope of the issues included in this discussion led to of examine the question of housing finance in Brazil in such a way as to integrate, on the one habd, the actual economic and financial aspects of the question -— that is, thinking the different entities of the SFH. As financial institutions and, therefore, affected by the behaviour of the main macroeconomic variables - and, on the other hand, the housing question itself. In this case, attention was given both to the formal housing market and to the problems related to the housing provision for the lower income classes.