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How to improve access to housing for the low-income population?

November 2, 2021 por Clementine Tribouillard - Paloma Silva - Morgan Doyle - Editor: Daniel Peciña-Lopez 1 Comment

Este artículo está también disponible en / This post is also available in: Spanish


Among the challenges facing the sustainable development of our region, the issue of housing is, without any doubt, one of the most important, urgent, and complex. Housing is essential in our lives: can you really think about access to education or health when you have nowhere to live?

In today’s blog we go to Brazil, a country with a deficit of 5.8 million homes and more than 24 million in qualitative deficit. Brazil illustrates the complexity and urgency of solving the housing gap in our region, giving special attention to the most vulnerable segment of the population: low-income families.

IDB’s commitment with social housing in Brazil

The issue of social housing (aimed at the neediest segments of the population) is one of the most important issues on the joint work agenda between the Inter-American Development Bank and the Government of Brazil.

At the IDB, we have supported emblematic initiatives on this issue for decades in Brazil. Among them, we highlight the IDB Habitar Brasil Program, which, in addition to facilitating the construction of decent housing for tens of thousands of families, it inspired urbanization programs throughout the country. Likewise, the IDB’s commitment to housing in Brazil is present at the local level, and it can be found many other subnational programs aimed at solving the housing deficit.

In addition to these programs, we must also take into account the technical support and public policy recommendations we share with the National Housing Secretariat (SNH), with whom we work very closely. As a result of this close collaboration, the IDB has recently published a series of studies that are aimed to serve as a guide to improve access to affordable housing in Brazil.

A New series of IDB publications to strengthen public housing policies in Brazil

Under the title “Social Interest Housing”, the IDB has just published a series of seven technical notes that bring together practical knowledge and reflections that will be particularly useful for decision-making in the area of ​​social housing. This work is the result of an exhaustive analysis as a result of the collaboration with the SNH. This series aims to become a repository of recommendations and ideas to implement in the coming years.

These are some of the main recommendations:

  • Diversifying the instruments of housing policy
  • Promoting a greater participation of the private sector in the financing and care of low-income families
  • Modernizing financial tools
  • Incorporating advances in digitization, gender equity and the role of sustainability in decision-making.

These aspects are aligned with the IDB’s Vision 2025, our strategy to return sustainable growth to our region.

Please, find below a video (available in Portuguese) containing the official presentation of the publications:

Lessons learned from the Social Housing series in Brazil

In this section we summarize the main lessons learned from each of the 7 technical notes that are part of this series. We also provide the direct access link for a free download (in Portuguese) from our library.

1. How to build new opportunities:

In the first section of the collection, we offer an overview of the social housing sector in Brazil, based on analysis and studies carried out during 2020. This volume addresses the housing deficit and demand, the actors and institutions involved, the legal framework and financing conditions of the sector. In addition, we include good practices, both national and international. These practices encourage access to quality housing through programs, financing and other systems, paying special attention to improving housing and social rent. (https://publications.iadb.org/publications/portuguese/document/Habitacao-de-interesse-social-no-Brasil-construindo-novas-oportunidades-panorama-2020-e-foco-em-desafios-prioritarios.pdf)

2. Recommendations on the system of registration of demand and selection of beneficiaries:

The second volume of the series analyzes the processes and information systems that currently exist for the registration and selection of beneficiaries of social housing programs. On this basis, we present the proposal for structuring a single demand and supply registration system, covering topics such as its architecture, procedures and implementation. (https://publications.iadb.org/pt/habitacao-de-interesse-social-no-brasil-propostas-sobre-sistema-de-registro-da-demanda-e-selecao-de)

3. Recommendations to improve the housing financing system:

This note focuses on the issue of financing. Attention is given to how to help the low- and moderate-income segments, which are who face greater difficulties in accessing credit. The general objective is to contribute to the development of a robust, dynamic, and sustainable credit market in Brazil. (https://publications.iadb.org/pt/habitacao-de-interesse-social-no-brasil-propostas-para-melhorias-ao-sistema-de-financiamento)

4. Recommendations on housing improvements:

Volume 4 of the series brings together programmatic responses to promote improvements in inadequate housing in Brazil, focusing on low-income families. This study provides an overview of the initiatives implemented in Brazil and other countries in the region. (https://publications.iadb.org/pt/habitacao-de-interesse-social-no-brasil-propostas-sobre-melhorias-habitacionais)

5. Recommendations on social leasing:

Leasing is an alternative form of access to housing in contrast to traditional models, such as acquisition or self-construction. This publication promotes an initial debate on the issue of social rent, understood as a housing policy (as opposed to emergency or transitory policies) aimed at low-income families, and presents proposals for the creation of a National Social Leasing Program in support of municipal initiatives. (https://publications.iadb.org/publications/portuguese/document/Habitacao-de-interesse-social-no-Brasil-propostas-sobre-locacao-social.pdf)

6. Recommendations on a national benchmark for real estate prices:

This publication addresses the prospect of creating a national benchmark for real estate price indices that allows adequate monitoring of the behavior of real estate prices in Brazil. (https://publications.iadb.org/pt/habitacao-de-interesse-social-no-brasil-propostas-sobre-referencial-nacional-de-precos-de-imoveis)

7. Recommendations for social and environmental sustainability:

The last volume of this series is an instrument to support the assurance of better performance, efficiency and environmental sustainability in the production of social housing in Brazil. (https://publications.iadb.org/publications/portuguese/document/Habitacao-de-interesse-social-no-Brasil-propostas-para-a-sustentabilidade-socioambiental.pdf)

We hope this series of publication will mean an step further to be closer to fulfilling our mission (improving lives in Latin America and the Caribbean), as well as strengthening the public policies of housing in Brazil, a complex problem that requires collective efforts to solve it.

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Filed Under: Housing Tagged With: Brasil, Social Housing, sustainable housing, urban development

Clementine Tribouillard

Clémentine Tribouillard es especialista en la División de Vivienda y Desarrollo Urbano del BID en Brasil desde 2018. Es francesa, licenciada en ciencias políticas, maestría en Política Urbana del Instituto de Estudios Políticos de París y especialización en Sociología Urbana. de la UERJ. Clémentine trabajó durante 3 años en Caixa Econômica Federal en Río de Janeiro en el diseño de programas de vivienda social y en la rehabilitación de centros urbanos brasileños, antes de trabajar durante 6 años en África en programas para mejorar los servicios urbanos (agua, saneamiento, residuos sólidos) para múltiples donantes. Después del terremoto, vivió en Haití durante 5 años, trabajando en la reconstrucción de barrios de bajos ingresos y reubicando familias. Ha trabajado en 35 países en planificación urbana, desarrollo económico y social, inclusión de género, sociedad civil y participación del sector privado. Actualmente lidera programas de mejoramiento de barrios marginales, gestión de riesgos, reasentamiento, vivienda social y ciudades inteligentes, con un enfoque particular en temas de cambio climático e inclusión social.

Paloma Silva

Paloma Silva é especialista em desenho de Política Públicas, Subsídio, Financiamento de Habitação e Desenvolvimento Urbano na América Latina e no Caribe atualmente no Banco Interamericano de Desenvolvimento em Washington. Foi ministra da Habitação no México e vice-diretora geral da Sociedad Hipotecaria Federal. Prêmio ITAM de Mérito Profissional 2015 no setor público, após 20 anos de experiência no governo federal. Especialista em Bancos de Desenvolvimento, Relações com Multilaterais, Derivados e Fundos de Pensões, Securitizações, Títulos Estruturados e na operação dos mercados monetário, cambial, patrimonial e de opções e futuros. Foi sócio fundadora do IXE Banco e AFORE XXI. Foi membro do Conselho de Administração da INFONAVIT, FOVISSTTE, Sociedad Hipotecaria Federal FONHAPO, ISSSTE, RUV e CORETT. Professor com mais de vinte anos de experiência no ensino de bacharelado e mestrado.

Morgan Doyle

Morgan Doyle é o representante do BID no Brasil, supervisionando a programação do Banco e o diálogo com o país. Em seus 23 anos de carreira no BID, foi representante no Uruguai (2017-2020), no Equador (2013-2017), e foi Assessor Principal para a Vice-Presidência de Setores e Conhecimento. Liderou várias operações do setor financeiro, trabalhando com agências chave do setor público envolvidas em financiamento de habitação e apoio a pequenas e médias empresas, gestão de dívida, regulação e supervisão do setor financeiro e transações com garantias, entre outros. Possui licenciatura e Mestrado pela Universidade Brown em Desenvolvimento Internacional, e recebeu várias distinções acadêmicas, incluindo uma bolsa Fullbright e uma bolsa de pesquisa da Fundação Interamericana (IAF).

Editor: Daniel Peciña-Lopez

Daniel Peciña-Lopez is a specialist in international affairs, development and communication. He has more than 10 years of professional experience in diplomatic delegations, and international organizations in cities such as Washington DC, New York, Chicago, Madrid, Mexico City and Hong Kong, among others. Daniel is Master of International Affairs from Columbia University, Master of Science from the University of Oxford Brookes and Licenciado from Universidad Complutense de Madrid. In 2010 Daniel received the First National Award for Excellence in Academic Performance, from the Ministry of Education (Government of Spain) for being the university level student with the highest average GPA score in the country. He currently works as an external relations/communication consultant at the Inter-American Development Bank.

Reader Interactions

Comments

  1. Marina Teramond @ N.M.P.L. says

    November 30, 2021 at 8:28 am

    Unfortunately, the problem of housing is acute in poor regions and a lot of low income families face it. It is so cool that you pay attention to this problem and contribute to improving the state of affairs in Brazil. Of course, this problem requires a lot of awareness and necessary smart decisions. From my point of view, all your recommendations need to take place and all of them are really effective, having their value. Without any doubts, it is significant to take certain measures and create new opportunities in order to affect this situation, totally changing it. If all your recommendations are taken into account, we will have a chance to live in an absolutely different reality.

    Reply

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