O segredo do crédito imobiliário: por que a poupança vai TE AFETAR | BM&C NEWS

Brazilian mortgage lending is on the verge of a radical transformation. In this Wall Street Cast, Bruno Corano and Danilo Santiago welcome Vinicius Mastrorosa to unravel the challenges and future of the Brazilian real estate market. The discussion delves into the critique of real estate investment trusts (REITs), the complexity of assets, and a comparison with the interest rate scenario in the United States, where real estate is already facing a possible correction. The expert explains the "aberration" of Brazilian real estate funding, historically dependent on savings accounts, which subsidize credit for the upper-middle class with money from the low-income population. With savings declining and banks at the limit of their reserve requirements, the cost of credit tends to rise drastically, impacting the volume of transactions and the rigidity of nominal prices. Understand how this change can benefit large construction companies with capital and intensify real estate cycles, as well as how the Minha Casa Minha Vida program, financed by the FGTS (Brazilian workers' severance fund), remains protected. Vinicius offers insights on how investors and the real estate market can position themselves in this challenging scenario, focusing on opportunities and capital protection. Don't miss this essential analysis for anyone seeking to understand the sector's next steps. Chapters: 0:00 Introduction and Presentation 2:15 Critique of Real Estate Investment Funds (REITs) 7:30 Complexity and Transparency of REITs 10:00 US vs. Brazilian Real Estate Market: Interest Rates and Prices 14:45 The Funding Aberration: Savings Accounts 20:10 The Decline of Savings and the Limits of Banks 24:50 The Impact of Credit Costs on Property Prices 30:15 Large Construction Companies and the New Scenario 34:00 My House My Life: A Refuge? 37:30 How to Position Yourself in the Brazilian Real Estate Market 40:00 Final Considerations and Acknowledgments 🛜 Subscribe and connect with our content:    / bmcnewstv   🖥️ Watch BM&C programming on TV: Claro TV+ – Channel 547 | Vivo TV+ – Channel 579 | Oi TV – Channel 172 | SKY+ | Samsung TV Plus – Channel 2053 | Pluto TV | Profit Nelogica | UVO TV (United States and Canada) – Channel 20 📲 WHATSAPP: https://whatsapp.com/channel/0029VaCG... 📲 https://bmcnews.com.br/ 📲 INSTAGRAM:   / bmc.news   📲 TWITTER:   / bmcnewstv   📲 LINKEDIN:   / bmcnewstv   📲 FACEBOOK:   / bmcnewstv   📲 TELEGRAM: https://t.me/bmcnews #bmcnews #bmcnewsaovivo #economy #economynews #financialmarket #investments #stockmarket #businessnews