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About 100 thousand borrowers unable to remove their own home this year, provides Ibedec

This article was translated by an automatic translation system, and was therefore not reviewed by people.


 


Brasília - At least 100 thousand borrowers of the Housing Finance System (SFH) will arrive this year to the end of the contract to purchase the house itself can not remove the property. The estimate is from the Brazilian Institute for Study and Defense of the Consumer Relations (Ibedec).

The Ibedec, borrowers who are in this situation in 1989 signed contracts for 20 years of financing, but do not have the coverage of the Fund for Compensation for Salary Changes (FCVS). Created by the now defunct National Housing Bank (BNH), the FCVS guarantee the discharge of debtors balances remaining at the end of the contracts with the SFH.

The difference in the way of correction of the benefits and debt, according to the institute, created distortions in the contracts. While the plots were corrected for wage equity (with adjustments that accompany the increases in salaries) and increased on average 5% a year, the debit balance was adjusted for the change in savings account, up 15% every 12 months.

The Ibedec also claims that there were corrections in undue economic plans of the late 80s and the early 90th Only in the Collor Plan, the non-governmental organization estimates that the increase in funding has reached 43%, which contributed to the existence of the balance due at the end of contracts.

The retired Célia Maria Ribeiro César is in this situation. For 20 years she and her husband paid the benefits to date. However, after the last installment of $ 600, in September last year, the contract was automatically extended and delivery jumped to almost U.S. $ 5.8 thousand per month.

"The debit balance of the property is R $ 400 mil. This is almost the value of selling the property, of $ 450 thousand, "says the retired. Without having to cope with the new service, the couple appealed to the courts to undertake a maximum of 30% of family income with the monthly installments, and determines the law governing the SFH.

Caixa Econômica Federal, which concentrates 70% of real estate finance in the country, reported that the administration of contracts without the cover of FCVS signed by 1994 rose to Manager of the Company Assets (Emgea). Through communication, the Emgea argues that for nearly four years has renegotiated the debts of borrowers who can not remove the property at the end of the contract.

According to the company, from July 2005 until the end of January, over 88 thousand users have signed up to a renegotiation of the conditions proposed by Emgea. The borrower can pay the balance due with a term corresponding to half of the original contract and discounts that can be expanded as lower the number of shares of the refinancing.

The aid, however, only applies to those who financed the building in public banks. Who relied on private banks to pay for the house itself does not have the same support.



Source: Agência Brasil

This article was translated by an automatic translation system, and was therefore not reviewed by people.

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