Quanto vale a minha casa? A comercialização dos imóveis faixa 1 do Programa Minha Casa Minha Vida na Região Metropolitana de Natal

Abstract

The house is indispensable to the survival of the human being. However, it is not easily accessable to the poorest population, because its production and commercialization highlight the exchange value of this good with characteristics different from the others. The “Programa Minha Casa Minha Vida” (PMCMV), created in 2009, aims to facilitate access to housing by promoting home ownership for families with incomes of up to ten minimum wages. The program is divided into three categories, with category 1 directed to families with income between zero and R $ 1800.00. In this category, properties receive direct subsidies of up to 95% of their price and are financed interest-free within 120 months. During the financing period, the properties should be used exclusively for the housing of the families contemplated. In the Metropolitan Region of Natal (RMN) the program worked in nine of its fourteen municipalities, with 26 developments in 21 locations, totaling 11,276 housing units. In less than ten years of the PMCMV, negotiations are identified for sale, rental and exchange of real estate in the category 1 of the program - which should not be sold in the first ten years of contemplation. The objective of this research is to analyze the occurrences of these negotiations, identifying where, how and why sales, exchanges and leases of real estate occur, in the 26 developments PMCMV category 1 in the RMN, delivered until 2016. The data collection and information began with the monitoring of online classified, which lasted 27 months. Concomitant field work was carried out, in phase I, in all the PMCMV projects category 1 in the RMN; in the second phase, the enterprises with the highest occurrence of negotiations - classified and in phase I - were visited. The research shows that the poor location, the non-adaptation to the apartment typology, the possibility to live elsewhere or to acquire another good (highlighting the car), added to the financial vulnerability are the motives that encourage the residents to dispose of their real estate to the negotiation.