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| Author(s): |
Natalia Quiroga Cotarelli
Total Authors: 1
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| Document type: | Master's Dissertation |
| Press: | São Paulo. |
| Institution: | Universidade de São Paulo (USP). Faculdade de Economia, Administração e Contabilidade (FEA/SBD) |
| Defense date: | 2014-12-18 |
| Examining board members: |
Gabriel de Abreu Madeira;
Sérgio Mikio Koyama;
Márcio Issao Nakane
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| Advisor: | Gabriel de Abreu Madeira |
| Abstract | |
Although the real estate market in Brazil has been expanding in recent years, its share in Gross Domestic Product (GPD) is significantly below the percentage found in other developing countries. Because of this, the country continues to present significant housing deficits. This study aims to analyze the impact of the Law no 10.931, from august 2004, which included the legal concept of fiduciary property in the legal system in contracts for the real estate market, comparing the evolution of these contracts for different groups of borrowers. There is a consensus that the credit market has certain peculiarities, such as information problems and limited commitment, which can generate credit rationing. Institutional improvements that alter the parameters of the contracts, and increase legal certainty for creditors may help in the development of the credit market, mitigating these problems, and making credit more accessible for all kinds of borrowers, (AU) | |
| FAPESP's process: | 12/18200-3 - Real Estate Credit in Brazil: Impact of institutional improvements in the real estate credit |
| Grantee: | Natalia Quiroga Cotarelli |
| Support Opportunities: | Scholarships in Brazil - Master |