FROM THE NATIONAL HOUSING BANK (BNH) TO THE MY HOUSE MY LIFE PROGRAM (PMCMV): CHARACTERISTICS OF BRAZILIAN HOUSING POLICY

This article aims to analyze the 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 national housing policy, financial capital and the production of affordable housing. The documentary research was carried out based on access to demographic census data made available on the website of the Brazilian Institute of Geography and Statistics (IBGE), which were used to create tables and graphs. Information on federal investments was obtained from the Transparency Portal website. The PMCMV goals explained in the table were taken from the website of the Ministry of Cities. The results demonstrate that, although Brazil's housing policies had as their main objective to reduce the housing deficit among 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 loans to other income classes, distorting their main focus.