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2009 - Daniel Ferreira Falcao.pdf: 1682485 bytes, checksum: 82658683c203f050466a2fadc4384cf2 (MD5)
Previous issue date: 2009-05-15 === The real estate market is the social mechanism of coordination about the individual decisions
to localization and use of the ground urban, thus this coordination appears a city whose
ground urban is used in way more efficient. This market has the responsibility to conciliate
the freedom to act individually with exploitation in the use of the resources of the society. The
systems of home loans, that are instruments to regulation the urban regimen, it possess an
important position, therefore these are strategical for the structure and the consolidation of the
real estate market urban capitalist. The objective of this study is to compare the perception of
three residential constructors with headquarters in this city, Rio de Janeiro, at different
moments of operational maturity, agility in the captation of financial resources to develop its
operation and its positioning of market, through the Market of Home loans. The sector of
residential civil construction was chosen had its great evolution throughout the last decades.
Although the financial crises and reduction of jobs in general terms in the last years, this
sector it showed a growth that allowed it assume a role of leadership in terms of investments,
to absorb man power and generation of work ranks. The used methodology was
bibliographical research and additionally study of multiple cases. The case study it had as
main objective to promote a critical reflection about the premises assumed through the
formularization of the hypotheses at the beginning of the research, recognizing with bigger
depth the main events of last decade related of the real estate market, the obstacles in the
evolution of the home loans faced by the companies, amongst other aspects. Considering the
hypothesis of that the speed, the degree of development and the amount of chances of the
constructors, in last the 5 years, were very superior what it was lived by the constructors in the
past most remote and that the access to the market of home loans has been determinative
factor for the positioning of these constructors in the real estate market. The main results
show us a enormous dependence of the residential civil construction in specific relation to the
funding of home loans - plano empres?rio - offered by the traditional financial institutions.
Moreover, the main points for improvement of the market, identified for the interviewed ones,
had been: reduction of related taxes the man power, fiscal changes to reduce taxes related to
the real estate financings and additionally to reduce the difficulties in the process of approval
of projects that currently generates legal unreliability in the sector. === O mercado imobili?rio ? o mecanismo social de coordena??o das decis?es individuais de
localiza??o e uso do solo urbano, de forma que desta coordena??o surge uma cidade cujo solo
urbano ? (ou deveria ser) utilizado da forma mais eficiente. Cabe a esse mercado conciliar a
liberdade de a??o individual com a efici?ncia no uso dos recursos da sociedade. Os sistemas
de cr?dito imobili?rio, que s?o instrumentos de regula??o do regime urbano, possuem uma
relev?ncia bastante consider?vel, posto que os mesmos sejam estrat?gicos para a estrutura??o
e a consolida??o do mercado imobili?rio urbano capitalista. O objetivo deste estudo consiste
em comparar a percep??o de tr?s construtores de im?veis residenciais com sede na cidade do
Rio de Janeiro, em momentos distintos de maturidade operacional, quanto a obten??o de
recursos financeiros para alavancagem de sua produ??o e posicionamento no mercado, atrav?s
do Mercado de Cr?dito Imobili?rio. A escolha do setor de constru??o civil residencial se d?
pela sua evolu??o ao longo das ?ltimas d?cadas mesmo com a crise dos ?ltimos anos e com a
redu??o dos postos de trabalho, o crescimento do setor lhe permitiu assumir um papel de
lideran?a em termos de investimentos, absor??o de m?o-de-obra e gera??o de postos de
trabalho. A metodologia usada foi a pesquisa bibliogr?fica seguida de estudo de casos
m?ltiplos. O estudo de caso teve como principal objetivo promover uma reflex?o cr?tica junto
?s premissas assumidas na formula??o das hip?teses de partida para a pesquisa, reconhecendo
com maior profundidade os principais acontecimentos da ultima d?cada para o crescimento do
mercado imobili?rio, os obst?culos na evolu??o do mercado do cr?dito imobili?rio
enfrentados pelas empresas, dentre outros aspectos. Considerando a hip?tese de que a
velocidade, o grau de desenvolvimento e a quantidade de oportunidades das construtoras, nos
?ltimos 5 anos, foi muito superior ao que foi vivido pelas construtoras no passado mais
remoto e que o acesso ao mercado de cr?dito imobili?rio tem sido fator determinante para o
posicionamento destas construtoras no mercado imobili?rio. Os principais resultados obtidos
apontam para uma grande depend?ncia da constru??o civil residencial em rela??o a um
funding espec?fico do financiamento a produ??o o Plano Empres?rio oferecido pelas
institui??es financeiras tradicionais. Al?m disso, os principais pontos para melhoria do
mercado, apontados pelos entrevistados, foram: a desonera??o fiscal da m?o-de-obra, medidas
fiscais em busca de redu??o dos tributos relacionados a venda e financiamento de im?veis e
adicionalmente a desburocratiza??o do processo de aprova??o de projetos que tem provocado
inseguran?a jur?dica no setor.
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