Dinâmica dos financiamentos habitacionais nos municípios do Rio Grande do Sul de 2006 a 2010

Abstract

This study aims to evaluate the dynamics of housing loans in the municipalities of Rio Grande do Sul in the period between 2006 and 2010. For this, we use the information obtained from the Caixa Econômica Federal, the institution responsible for 73% of all mortgages made in Brazil (FINANCIAMENTO, 2010). This analysis makes use of three types of evaluations: shift-share method, kriging and spatial regression. The results obtained from the study can be inferred that there was a greater dynamism in the period considered in the bands of higher value property. Furthermore, there was a growth process more intense in areas of depression. The contour lines based on the value of the net effect of the shift-share method, it appears that there was a movement to spread the volume of funding for these areas. Still, higher volumes of financing are provided in municipalities that have a higher GDP per capita, an IDESE higher and lower rate of urbanization. Municipalities with smaller territorial extensions densely populated and also have a higher volume of financing. The variables used in spatial regression model was significant, explaining 95% of changes to the dependent variable. Highlight the variable housing deficit, which was not significant in both years analyzed.