Made available in DSpace on 2014-12-17T13:57:04Z (GMT). No. of bitstreams: 1 MariaCM_ate_Bibliografia.pdf: 2147377 bytes, checksum: 17055cddddfb1ad0b0d0045f3d71d747 (MD5) Previous issue date: 2004-10-21 / As an example of what happened in Brazil in the 90s, it s noticed in Natal a new system of cooperative housing production which is done by advancing the users resources selffinancing. This system comes as an alternative for the real state market performance since the end of the National Housing Bank (BNH), in 1986. Self-financed housing cooperatives play an important social role by contributing to own housing acquisition by low-income population, without, however, becoming a mechanism of social interest housing production. It is important to consider that Brazil registers a housing deficit of 6.6 million housing units (IBGE 2000/Census), which, compared to 1991, shows an increment of 21.7% to a growth rate of 2.2% a year. This deficit figure has been deepening, mainly with the end of the National Housing Bank (BNH). The self-financed cooperative housing production broadens around the Metropolitan Region of Natal (RMN) and remains as an alternative to the lack of financing in the housing / real state market. In general, the aim of this work is to analyze the role of self-financing housing cooperatives on the housing production in the RMN, in order to identify their role in the real state market, in the own housing promotion and in the housing policy. The Universe of this study is performance of four housing cooperatives - CHAF-RN, COOPHAB-RN, MULTHCOOP e CNH - that work through self-financing. It is considered here an amount of 38 undertakings launched between 1993 and 2002, including 8143 housing units. The methodology adopted consists of bibliographic, documental and field research. As a result, actions like brokerage, marketing, speculation, and the criteria to define places for undertakings and final products, show how close they are to the housing market production. As a matter of fact, this short distance explains why the self-financed cooperative production for social interest housing is still limited. This reinforces the theory that it is necessary to define and implement a subsidized housing policy to serve the low-income Brazilian population / A exemplo do que ocorreu no Brasil na d?cada de 1990, surge em Natal, 1993, um novo sistema de produ??o cooperada de moradia que consiste na antecipa??o de recursos dos pr?prios usu?rios ? produ??o - autofinanciamento. Esse sistema nasce enquanto uma alternativa para o desempenho das atividades do mercado imobili?rio face ? redu??o e escassez do financiamento estatal, ap?s a extin??o do Banco Nacional da Habita??o -BNH, em 1986. As Cooperativas Habitacionais Autofinanci?veis desempenham importante papel social, ao contribu?rem para a aquisi??o da casa pr?pria para determinados segmentos da popula??o, sem, no entanto, se constitu?rem mecanismo de promo??o e produ??o de habita??o de interesse social. Vale lembrar que o Brasil registra um d?ficit habitacional de 6,6 milh?es de unidades (IBGE -Censo/2000) que, comparado ao de 1991, significa um incremento de 21,7% a uma taxa de crescimento de 2,2% ao ano. O quadro de d?ficit vem se aprofundando, principalmente com a extin??o do BNH. Esta forma cooperada de produ??o de moradia se expande pela Regi?o Metropolitana de Natal (RMN) e constitui, ainda hoje, uma alternativa ? escassez de financiamento no mercado imobili?rio habitacional. O objetivo deste trabalho, no geral, ? compreender o papel das Cooperativas Habitacionais Autofinanci?veis na produ??o de moradia na RMN, a fim de identificar o seu papel no mercado imobili?rio, na promo??o da casa pr?pria e na pol?tica habitacional. O universo considerado ? a atua??o das Cooperativas Habitacionais com sede em Natal - CHAF-RN, COOPHAB-RN, MULTHCOOP e CNH -que atuam atrav?s do autofinanciamento. ? considerada a totalidade dos 38 empreendimentos lan?ados no per?odo de 1993 a 2002, abrangendo 8143 unidades habitacionais. A metodologia adotada contempla a pesquisa bibliogr?fica, documental e de campo. Enquanto resultados obtidos, a reprodu??o de pr?ticas, como corretagem, marketing, especula??o, os crit?rios utilizados para defini??o de localiza??o dos empreendimentos e o produto final, demonstram a estreita aproxima??o com a produ??o mercantil de moradia. Ali?s, o n?o distanciamento da l?gica de produ??o de mercado se constitui um elemento que explica as limita??es da produ??o cooperada autofinanciada para habita??o de interesse social. Isto refor?a a tese da necessidade de defini??o e implementa??o de uma pol?tica habitacional subsidiada para atender a popula??o brasileira de baixa renda