| Autor: |
Bruno Vinícius Ramos Fernandes, José Alves Dantas, Flávia de Souza Santos |
| Jazyk: |
portugalština |
| Rok vydání: |
2013 |
| Předmět: |
|
| Zdroj: |
Enfoque, Vol 32, Iss 1, Pp 77-91 (2013) |
| Druh dokumentu: |
article |
| ISSN: |
1984-882X |
| DOI: |
10.4025/enfoque.v32i1.13472 |
| Popis: |
Given the current macroeconomic environment experienced in Brazil, where inflation has stabilized and the basic interest rate of the economy is in one of their historical lows, demand for mortgages is increasing. In this context, the mortgage is presented with great emphasis to meet the demand for purchasing housing in addition to being a catalyst for the reduction of the high housing deficit. From a descriptive and empirical-analytic was analyzed the mortgage loan portfolio of the largest banks of the country between the years 2001 and 2010 through Quarterly Financial Information (IFT) available on the Central Bank website. It was settled a comparative relationship between the data in order to check the development of mortgage portfolios over the years and the factors that influenced this evolution, and evaluate the timeliness and quality of those loans. For the evolution of the portfolio there was an economic context in which Brazil was included in the period, and observed that for most of these operations are long term the banks are more exposed to market risk. With regard to credit risk parse that, over the years, Brazilian banks are presenting a mortgage loan portfolio with lower risk, and it is found that institutions with real estate credits with higher levels of portfolio risk are subject to have higher losses on such operations in the possibility of default. |
| Databáze: |
Directory of Open Access Journals |
| Externí odkaz: |
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