Descrição e análise do financiamento habitacional no Programa Minha Casa Minha Vida (PMCMV)

Abstract

In this research, we developed a study and a technological product regarding housing finance within the Minha Casa Minha Vida Program. Our general objective was to present a calculation spreadsheet that allows the user a better understanding of the financial components of the financing. To achieve this, the following specific objectives were established: to identify in the Housing Financing Contract - PMCMV which elements are essential for obtaining homeownership financing, to identify the elements of Financial Mathematics related to the topic, and to structure a spreadsheet with the calculations involved. This research follows a qualitative approach, due to the analysis of content on the subject; the generated product is classified as applied, and the technical procedures adopted classify it as bibliographic and documentary. The objectives were satisfactorily achieved, and we present to the future borrower a didactic, objective, and clear calculation spreadsheet.