Constatações do endividamento familiar no programa Minha Casa Minha Vida

Abstract

With a large population, new projections and planning it should be displayed to allocate citizens to adequate housing. The growth of the housing deficit is one of the realities amid accelerated urban growth. To this end, the Brazilian Federal Government has instituted housing financing, prioritizing debureaucratized credit for housing for different social classes. In this sense, in Brazil, the My Home My Life Program was instituted, in which government subsidies, financial resources destined to different ranges of family income were made available, for example, as in the case of the focus of this study, the Band 1 aims to subsidize housing units for families with incomes of up to R$ 1,800.00. Despite the social benefit, Band 1 presents some problems, especially the record of one of the highest delinquency rates before the Brazilian Housing Finance System. From this angle, the study aims to identify the causes of family indebtedness in the My House My Life program. Methodologically, we first check the default situation in Brazil from 2010 to 2016, in the sequence we seek to analyze the time series of defaults over ninety days, in relation to the macroeconomic variables IPCA and Unemployment Rate, through the Statistical Tests and Auto Regressive Vectors. In addition, questionnaires were applied to the residences Videiras, Zilda Arns, Dom Ivo Lorscheiter and Leonel Brizola, in Santa Maria - RS, drawn in Track 1 of the My House My Life Program, in order to identify the socioeconomic and financial profile of the beneficiaries. It was observed the variable that most influences the default, being the IPCA, and the number of indebted in the program reached the rate of 33,20% in October 2016. Moreover, the general socioeconomic profile resulted in beneficiaries with Elementary School Full, female, between 31 and 40 years old and unmarried. Regarding the financial profile, the majority declared themselves autonomous, have three dependents, totaling five residents, monthly income between R$ 881,00 and R$ 1.760,00, with family bag, the average of the installments of the program reaches R$ 32,00 to R$ 38,00, finally the highest default motivation declared was unemployment.