A matemática do financiamento habitacional

Abstract

This work presents a detailed mathematical study of housing finance systems currently practiced in Brazil and is aligned with the National Strategy for Financial Education, a State policy established by Federal Decree 7.397/2010, which aims to contribute to the strengthening of citizenship through actions that help the population to take more autonomous financial decisions and aware. A law to include financial education in primary and secondary schools as an obligatory subject of mathematic, was analysed in the House of Representatives and Senate, between 2009 and 2013, and was finally rejected. Nevertheless, hundreds of schools throughout Brazil, public and private, are already teaching this subject, as a basic subject or even as an extracurricular subject. In this context, since mathematics is an indispensable tool in understanding various problems related to financial education, this work is also for teaching, mainly as a source of consultation of those professionals who work in spreading the culture of financial education in the country. By hiring a loan to buy a propriety, citizens need to choose between the Constant Amortization System and the French Amortization System (Price Table). However, often there are not sufficient informations to make the best choice to a specific financial profile. This work aims to also fill this gap, presenting to the citizen useful guidance for its decision making, can be seen, therefore, as a social contribution. This is achieved, on the one hand, by obtaining a series of theoretical mathematical results for the two existing amortization systems, and on the other, providing answers to frequently asked questions about the financing agreement, such as amortization of the debt, change the due date and payment of installments in arrears.