A análise econômica das modalidades de moradia no município de Santa Maria - RS

Abstract

With the expansion of investment in housing driven by the policy of encouraging housing the current Brazilian government is to occur with the increase of funding and thus more vulnerable to possible default. This study has the theme of how the economic analysis of housing in Santa Maria-RS, with a focus on the modalities of rent, property acquired for, or consortium as the methods of depreciation funding (pre-fixed rate or rate post-fixed).Therefore the research shows is necessary to answer the question of which of the alternative form of housing is the most economically viable. To evaluate which proposal is more economically feasible for the policy guiding the study and that this is achieved are used in technical analysis of investments. This work is characterized as a descriptive research and evaluations that were found with data obtained from the real estate and financial institutions, which were tabulated and calculated using the method of net present value. Considering the limitations of this work demonstrates that the consortium of alternative housing is the best economic alternative, and after that, the alternative of financing at a rate pm-set is the most economic viability, because they have the lowest net present value.