Modelo de consumo ótimo de moradia: estimativas para Bogotá
Resumo
Este artigo apresenta uma breve revisão do setor da moradia em Bogotá, destacando que a política se focou primordialmente no impulso à demanda mediante a outorga de subsídios e acesso ao crédito hipotecário. A evolução recente do mercado sugere que a política efetuada não garante um consumo ótimo de moradia. Neste sentido, propõe-se um modelo teórico de valores ótimos de demanda, bem como a estimativa empírica de ditos valores a partir de dados da Pesquisa de Opinião de Capacidade de Pagamento realizada em Bogotá no ano de 2005. Os resultados mostram brechas importantes entre estratos e sugerem que os níveis de financiamento necessários para uma política de demanda podem resultar excessivamente altos. Justifica-se assim a pertinência de uma política que não seja focada necessariamente na compra da moradia, sina que se oriente ao uso eficiente da oferta atual.Downloads
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