Housing with IPI zero: to encourage construction, the tax will reduce to 1,000 manufactured products
This article was translated by an automatic translation system, and was therefore not reviewed by people.
One proposal to alleviate the impact of international financial crisis in Brazil IPI provides zero for more items from the 1000 building. The extinction of the Tax on Industrialized Products will be discussed today at the meeting of the Monitoring Committee of the crisis, in Brasília, under the command of the Minister of Finance, Guido Mantega. In 2006, the IPI was 5% and was reset. Other materials such as mortar and toilet, had a 10% to 5%.
The president of Anamaco (National Association of Traders of Building Materials) and member of the Guardianship Council FGTS, Cláudio Conz, search of FGV (Fundação Getulio Vargas) for the sector showed that even with the reduction of the IPI, there was an increase in collection because a larger number of people began to consume. "The revenue was R $ 6.1 billion more for the government. That was 1 percentage point of GDP (Gross Domestic Product), "said Conz.
He said that the economic team include studying the purchase of construction materials by means of microcredit - the existing law does not include the sport. Another proposal is the access line unbureaucratic Construcard FGTS, the Caixa Econômica Federal, which requires guarantor and guarantor to make the financing of construction materials to families with incomes of up to $ 1,800. Last year, the increased lending limit of $ 7 thousand to R $ 25 thousand. The modality has budget of $ 1 billion FGTS.
Another change may enable the borrower to choose which bank wants to secure the housing (of life and damage to physical property), mandatory collection in the contracts signed by the SFH (the Housing Financial System). Today, insurance is done in the same institution where the loan is contracted. The measure should help the banks that finance higher percentage of the property (90% and 95%). Currently, the loan reaches 80%. Only the box with 100% financing resources FGTS. The limit for assessment of property for purchase with the FGTS may raise U.S. $ 350 thousand to R $ 500 mil.
But the government should veto the proposal for automatic deduction of the benefits with FGTS collected in the account of employees. Today, the borrower can pay 80% of the supply with the balance of the account, but year after year to go to the Box "program" the operation.
300 MIL
The number of real estate financing with resources from the books of savings in 2008 reached the record mark of 299,746 units. The data are from Abecip (Brazilian Association of Real Estate Entities and Savings Credit).
Compared to 2007, the expansion in the number of properties financed was 53%. The sum of the value was financed R $ 30.048 billion.
In December 2008 the real estate credit with saving resources was U.S. $ 2.547 billion. The mark is 37% higher than that recorded in the same month the previous year. Already the number of units financed was 38% higher (25,494).
In comparison with the real estate credit granted by banks, which operate these resources in 2007, a growth of 64.4%.
In the balance of last year, the net borrowing (deposits minus withdrawals) of the resources of the savings for the Brazilian System of Savings and Loans (SBPE) rose 7.38%, accounting R $ 13.854 billion. In December, net borrowing rose 2.06%, reaching U.S. $ 4.318 billion.
Despite the climate of pessimism in light of the global crisis, the monthly average of real estate financing in the last quarter of 2008 was in line with the monthly average of the year (R $ 2.5 billion).
According to the chairman of Abecip, Luiz Antonio Franco, the continuity shows that the decision to purchase the property was maintained and that the banks do not become more stringent in the granting of home loans. France also said to believe that the month of January "to be good", but is traditionally the period of a few sales.
Source: This Day Online
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