Habitação - 17/05/2009
Habitação pode ter menos recursos no futuro
Especialistas em financiamento imobiliário dizem que é cedo para avaliar, mas lembram que 41% do volume de recursos da poupança estão em contas com mais de R$ 50 mil.
O reflexo da taxação da poupança no volume de recursos dos financiamentos habitacionais para a classe média é uma pergunta ainda sem resposta.
Especialistas em financiamento imobiliário dizem que é cedo para avaliar, mas lembram que 41% do volume de recursos da poupança estão em contas com mais de R$ 50 mil. E 65% dos depósitos na aplicação são direcionados ao crédito da casa própria. Ou seja, o volume pode cair.
"Mantendo-se a distância que existe hoje entre o rendimento da poupança e dos fundos e títulos (atualmente a poupança rende 8% para uma taxa Selic de 10,25%) e com a trajetória dos juros em queda, não vejo risco. O problema é se houver uma reversão de política monetária, e a Selic voltar a subir. Nesse cenário, a poupança ficaria fragilizada e os bancos podem dificultar o crédito, por temer se terão os recursos para manter os financiamentos de longo prazo", diz o economista Marcus Vinícius Valpassos, da Galanto Consultoria, co-autor do livro "Financiamento à Habitação e Instabilidade Econômica".
SFI PODE SER OPÇÃO A REDUÇÃO DE RECURSOS DE POUPANÇA - Ex-executivo de habitação do setor bancário, João Bosco Segreti, da Sam Consultoria, também avalia que a perda de volume de recursos está diretamente relacionada ao comportamento da Selic. O especialista destaca, no entanto, que há outra saída para o financiamento da casa própria: - A solução para a redução da atratividade das cadernetas é substituir o SFH pelo Sistema de Financiamento Imobiliário (SFI).
O SFI, lembra Segreti, foi criado em 1997, justamente para criar uma alternativa ao SFH, numa época em que os bancos pouco financiavam habitação.
O sistema, no entanto, não se desenvolveu como esperado justamente pelo fato de a Taxa Selic, a taxa de juros básicos da economia, estar muito alta, o que não permitia que os Certificados de Recebíveis Imobiliários (CRIs) fossem competitivos no mercado secundário.
É que a dinâmica do SFI prevê os descontos dos financiamentos a receber, como acontece com os títulos públicos, por exemplo, gerando uma outra fonte de recursos para o financiamento de imóveis para a classe média.
O professor de Finanças da Fundação Getulio Vargas (FGV) e da PUC-SP Fabio Gallo Garcia avalia que a decisão do governo de mexer apenas na tributação da caderneta de poupança, e não na rentabilidade efetivamente, vai criar um desequilíbrio econômico e não vai resultar em queda dos juros para a habitação.
"Se a taxa paga para captar os recursos não cai, como o banco vai reduzir os juros para o tomador do crédito imobiliário? Para reduzir a taxa é necessário mexer no rendimento da poupança efetivamente."
O governo criou mais uma fonte de renda para si.
Portabilidade garantiria a mutuários juros mais baixos Uma solução para enfrentar a queda dos juros é estimular que quem tem financiamentos com encargos mais elevados possa migrar de um banco para outro e, assim, obter condições melhores: - Resolução do Conselho Monetário Nacional (CMN), a 3.706, já preparou o terreno para a portabilidade dos financiamentos imobiliários, o que permitirá a quem tem contrato com juros altos migrar para bancos que ofereçam taxas mais baixas - avalia Segreti.
Fonte: Luciana Casemiro - O Estado de S. Paulo
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?????? ?????? ? ??????FW - 08/09/2024 02:03:38S [Responder] ???????????????? ????????? ????? ?? ??????? ??????? ??????? ? ??????? ?? ???.
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