FROM THE NATIONAL HOUSING BANK (BNH) TO THE MINHA CASA MINHA VIDA (PMCMV) PROGRAM: CHARACTERISTICS OF BRAZILIAN HOUSING POLICY

Abstract

This article aims to analyze characteristics of housing policy in Brazil, with the creation of the National Housing Bank (BNH) and the Minha Casa Minha Viva Program (PMCMV). The methodological procedures used were bibliographic and documentary reviews. The bibliographic research was based on authors who discuss the national housing policy, financial capital and the production of affordable housing.  The documentary research was carried out from the access to data from the demographic censuses made available by the website of the Brazilian Institute of Geography and Statistics – IBGE, they were used to make tables and graphs. Information on federal investments was obtained from the Transparency Portal website. The PMCMV goals explained in the table were extracted from the website of the Ministry of Cities. The results show that Brazil's housing policies, although their main objective was to reduce the housing deficit of the lower income class, in practice, this was not what was observed. Both the policy that created the BNH in 1964, and the current policy that instituted the PMCMV in 2009, have offered a greater number of financing for the other income classes, distorting their main focus.