Housing credit grows 90% in Paraná
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Despite the economic crisis, the housing market again became heated in the Paraná and the builders were surprised with the increase in demand for real estate. The growth in the range of enterprises, the fall in interest rates and stimulus to the sector released by the federal government have the consumer return the plans of their own home.
The Caixa Economica Federal - main financial backer in the industry with 70% stake - rose by 90% funding in the first quarter in the state, to $ 434.6 million, compared to the first three months of 2008. The volume of traded stocks also jumped in 5349 to 11,032 in the same basis of comparison.
According to the president of the Association of Directors of the Real Estate Agent (Ademi) in Parana, Martin Selig, the pent-up demand, the fall in interest rates and the migration of investment to the housing market packed industry sales. "Only in Curitiba, there is a demand by 9 thousand properties a year for a production of 6 million new units. This public still interested in purchasing their own house, even with the crisis. Moreover, the rapid appreciation of the property also has made the sector an attractive option for investors, "said Selig.
For companies in the sector, the sense of improvement in some economic indicators and confidence in maintaining employment have helped the customer make the decision to make the dream of home ownership. "The interest rates are lower, there is a government package to stimulate the sector. And no credit for funding. In addition, the release increased 11% in the first three months of the year compared to the same period last year, which contributes to a lot of opportunities and the proper time, "says Mark Kahtalian, consultant for the Association of Construction Industries Civil (Sinduscon) in Parana.
Housing
So far the industry figures do not yet reflect the impact of the package from the federal government, "My House, My Life," which will encourage housing for families that earn between three and ten times the minimum wage and which came into effect in April. But the expectation is that poor people will help to further boost the market throughout 2009. The Savings Bank provides financing for $ 2.5 billion in state until the end of the year, against R $ 1.5 billion last year, according Gueber Roberto Laux, regional manager of business. "An important part of that increase will come from property facing families who will benefit from the program," said Laux. In Paraná, Caixa should pass $ 500 million in loans and grants for the program this year, enough for the construction of 8 housing units popular in the state. "About 300 people are signing up per day," he says.
Construction companies that operate in this niche market are already feeling the heat sales, as is the case of Andrade Ribeiro. "Two entries, with apartments priced from $ 98 thousand and R $ 88 thousand, we hoped to sell to end in May and June are already fully negotiated. The increase is already reflected in package, "says Aubrey Ribeiro Rotta, director of the firm. The construction, which traditionally has 60% of its business in the market for high-income and 40% in low-income housing, already provides for a reversal of that participation. "2009 is the year of low income," he says.
Middle class
Construction companies also believe in increased business for the middle class. For families with income above ten minimum wages, which were left out of the housing program, the government announced an increase in the maximum value for properties funded under the Housing Finance System (SFH). He spent $ 350 thousand to $ 500 mil. Financing of the SFH are made with funds from savings account and the borrower can also use the money you have in your individual account FGTS (see details in table below).
"There was a significant improvement in sales in April, after the market stops between December and February," said Raad Seme Filho, director of construction Monarch. According to him, the company will resume slowly the pace of releases. The first, which will be announced until the end of the month, will have apartments with prices between $ 260 thousand and $ 360 mil. "The shock of the crisis passed," says Hugo Peretti Neto, CEO of construction Hugo Peretti. He said the demand for real estate grew 30% and the rate of sales is higher than expected. "Yet we are far from ideal. But we have a new development recently completed apartments in price between U.S. $ 470 thousand and $ 570 thousand, which is 60% of units sold, which is a great performance, "he said.
Source: Gazeta do Povo
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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