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Housing Finance Mechanisms in Brazil

Housing Finance Mechanisms in Brazil

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The real estate credit system used in Brazil for residential housing (known as the Housing Finance System-SFH), was created in 1964. Previously, there was no organized system for housing financing in Brazil. Its structure has changed since then (1964-2009), on matters of formal guarantees, limits and definition of the adjustment of payments. However, the core of the system has not changed and there is no perception of movement, whether from the State or private agents, so that sensitive changes occur in its structure.
The real estate credit system used in Brazil for residential housing (known as the Housing Finance System-SFH), was created in 1964. Previously, there was no organized system for housing financing in Brazil. Its structure has changed since then (1964-2009), on matters of formal guarantees, limits and definition of the adjustment of payments. However, the core of the system has not changed and there is no perception of movement, whether from the State or private agents, so that sensitive changes occur in its structure.

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03/26/2014

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HOUSING FINANCE
BRAZIL
MECHANISMS IN
 
Sec1:i
United Nations Human Settlements ProgrammeNairobi 2010
HOUSING FINANCE MECHANISMS
IN BRAZIL
 
ii
The Human Settlements Finance Systems Series
 Housing Finance Mechanisms in BrazilFirst published in Nairobi in 2010 by UN-HABIA. Copyright © United Nations Human Settlements Programme 2010 All rights reserved United Nations Human Settlements Programme (UN-HABIA) P. O. Box 30030, 00100 Nairobi GPO KENYA el: 254-020-7623120 (Central Office)  www.unhabitat.org HS/115/10E ISBN: 978-92-1-132225-5 (Volume) ISBN: 987-92-1-132027-5 (Series)
Disclaimer
Te designations employed and the presentation of the material in this publication do not imply the expression of any opinion whatsoever on the part of the Secretariat of the United Nations concerning the legal status of any country, territory, city or area or of its authorities, or concerning the delimitation of its frontiers of boundaries. Views expressed in this publication do not necessarily re󿬂ect those of the United Nations Human Settlements Programme, the United Nations, or its Member States.Excerpts may be reproduced without authorization, on condition that the source is indicated.Cover photo:
 
Celso Pupo/Shutterstock 
 Acknowledgements:
Director: Oyebanji Oyeyinka Principal Editor and Manager: Xing Quan Zhang Principal Author: João da Rocha Lima Jr. Contributor: Claudio Acioly English Editor: om Osanjo Design and Layout: Andrew Ondoo

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