Housing package: Benefits will be lower
This article was translated by an automatic translation system, and was therefore not reviewed by people.
The provision of financing the house itself may be 10% cheaper, with the end or reduction of the mandatory housing insurance contracts by the SFH (the Housing Financial System). Moreover, only the construction of 500 thousand houses in the country this year (the goal is 1 million by the end of 2010) will generate 1.5 million jobs with signed book - 75% of the market today (2.1 million people). In Rio, will be 150 thousand vacancies.
The Sinduscon-Rio (Union of Construction Industry), salaries range from U.S. $ 655 to U.S. $ 2,200 (the servants of the master-works). The goal is part of the housing package, which will be announced this month to reduce the impacts of global crisis. The federal government plans to build 1 million homes by 2010.
The measures aim to facilitate families with incomes of up to 10 minimum (U.S. $ 4,650), with major benefits for those receiving up to five floors (U.S. $ 2,325) - portion of the housing deficit of 7.2 million homes.
Another novelty, the unemployment-insurance of the home, will allow the borrower, even having been dismissed, be up to 36 months (3 years) without paying the property and without the risk of losing it. This is possible thanks to the creation of a fund guarantor, to be U.S. $ 800 million National Treasury, to pay benefits in case of unemployment. Later, the borrower will have to adjust the accounts of that benefit. The collection can be made at the end of the contract or diluted in the plots.
According to the adviser of ADEME (Association of Managers of Business Real Estate Market), Rodolpho Vasconcelos, the measure is positive and there have been similar model using the FCVS (Fund for Compensation for Salary Changes) - created to cover the balance due at the end of contract.
"The problem is that the fund was used for another purpose, you lose focus and generating a leak of $ 60 billion," says Vasconcelos. According to the government, the higher the income of the worker, the lower the time to stay without paying the housing loan.
The president of Sinduscon-Rio (Union of the construction industry), Roberto Kauffmann, the government should copy models successfully used in Mexico and Spain. "They also created a job bank to help the unemployed and training courses for labor," says Kauffmann.
The Secretary of State Housing, Leonardo Picciani, said that the state already has 90 thousand people interested in buying the property: "This registration ensures that demand and eliminates the cost of brokerage and marketing.Estamos developing several housing projects for families with incomes up to three minimum (U.S. $ 1,395).
The ghost of Table Price
Ghost of the past in the housing market, the Price Table, think to raise the government's package, will the borrower pay more interest in buying the property. The initial service starts smaller and gets bigger. According to the government, would be a way to benefit more low-income families in purchasing the property. For Ibedec (Brazilian Institute for Study and Defense of the Consumer Relations), is a means to the borrower with a dream home and then lose it by not paying.
Also according to Sinduscon-Rio, the back of Price is a setback. Caixa Econômica Federal Price does not operate with six years ago. USA only SAC (Constant Amortization System), the provision will get bigger and falling (or is decreasing) because there are more redemptions at the beginning of the contract.
Rodolpho Vasconcelos, the Moreover, explains that when the initial supply is lower, there is capacity for more debt. "It's a way to encourage the person to buy. But pay the more expensive loan, "said Vasconcelos, recalling that even the banks migrated to SAC, to be more secure:" As the benefit is greater in the beginning and less funding, the risk to the financial agent decreased.
Source: This Day Online
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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