Os desafios do financiamento do crédito imobiliário para a estabilidade financeira

Abstract

The international financial crisis of 2007/2008 caused a severe downturn in the world economy. In addition, the products aimed at the real estate market had a determining role in the crisis. At the same time, in Brazil, the mortgages increased their share; becoming antidote to the crisis did not hit the country. Thus, the importance of this market in Brazil and worldwide, the study aims to obtain the evolution of the product in the United States and in Brazil, reaching the current situation, stimulating discussion of the need to use new sources of resources for the provision of credit meets the demand. At the same time the study was instituted a letter in the country, ON with the same purpose, based on the European model. In an attempt to infer the market's perception of the new letter, a questionnaire was applied to market actors. The results suggest that the new letter will not become in the medium term an important source of resources.