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The housing deficit and the lack of access to credit, notably for the low-income population, are striking problems in emerging economies, especially in Brazil. The difficulty in combining the families' capacity to pay and the price of housing requires the need for intervention by the State through subsidy policies. Experiences in other emerging economies that could be adapted to the Brazilian reality indicate that many advances can be achieved in that area. In face of this, the present study aims at analyzing the evolution of the Brazilian housing finance system, focusing on public policies held since the 1990s, as well as making a comparison to the solutions found by Mexico since the 2000s. In its conclusion, this study indicates that for the income range we chose to analyze up to five minimum wages housing credit growth, the recent macroeconomic stability, and changes in the Brazilian institutional framework were not enough to solve this population's access to housing. It is proposed therefore to highlight what the main issues that hinder this access and how it would be possible to achieve a positive outcome in that respect.

Financiamento para habitações populares no Brasil e no México: uma análise comparada.