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Housing Finance in Brazil: Institutional Improvements and Recent Developments

Author

Listed:
  • Bruno Martins
  • Eduardo Lundberg
  • Tony Takeda

Abstract

Despite a recent expansion in housing finance, Brazil still faces a severe housing shortage, especially among lower-income people, and it is important to examine the development, limitations and prospects of the country`s housing finance market. This paper investigates the recent evolution of that market in Brazil, focusing on whether the current expansion in mortgage lending is the result of institutional and economic improvements favoring economic stability and compliance with contractual obligations or is merely an effect of the higher level of housing loans imposed by the government on financial institutions. Different explanations are found for private and public institutions.

Suggested Citation

  • Bruno Martins & Eduardo Lundberg & Tony Takeda, 2011. "Housing Finance in Brazil: Institutional Improvements and Recent Developments," Research Department Publications 4730, Inter-American Development Bank, Research Department.
    • Handle: RePEc:idb:wpaper:4730
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    File URL: http://www.iadb.org/research/pub_hits.cfm?pub_id=36411946
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    Cited by:

    1. Gomes Schapiro Mario & Pereira Saylon Alves, 2019. "Developmental State with Neoliberal Tools: A Portrait of the Brazilian Housing Financial System," The Law and Development Review, De Gruyter, vol. 12(2), pages 457-493, June.
    2. Gabriel Garber & Atif Mian & Jacopo Ponticelli & Amir Sufi, 2018. "Household Debt and Recession in Brazil," NBER Working Papers 25170, National Bureau of Economic Research, Inc.
    3. Jie Chen & Lan Deng, 2014. "Financing Affordable Housing Through Compulsory Saving: The Two-Decade Experience of Housing Provident Fund in China," Housing Studies, Taylor & Francis Journals, vol. 29(7), pages 937-958, October.

    More about this item

    JEL classification:

    • D23 - Microeconomics - - Production and Organizations - - - Organizational Behavior; Transaction Costs; Property Rights
    • N97 - Economic History - - Regional and Urban History - - - Africa; Oceania
    • R21 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Household Analysis - - - Housing Demand
    • R31 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Real Estate Markets, Spatial Production Analysis, and Firm Location - - - Housing Supply and Markets
    • R38 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Real Estate Markets, Spatial Production Analysis, and Firm Location - - - Government Policy

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