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90 91 92</head> 93<body><div class="autowrapper"> 94 <div id="autocomplete_container" class="hide"> 95 <ul></ul> 96 </div> 97</div> 98<!-- =========== TOPO ===================== --> 99<header class="topo row"> 100 <div id="wrapperResponsivo" class="hide animated menu_ext"> 101 <nav class="menuAccessResponsivo animated hide" id="menuAccessResponsivoId"> 102 <ul> 103 104 105 <li> 106 107 <a class="hasSub" > 108 Institucional / About us </a> 109 <ul> 110 <li> 111 <a 112 href="https://www.abecip.org.br/institucional-about-us/a-abecip" 113 > 114 A ABECIP </a> 115 116 </li> 117 <li> 118 <a 119 href="https://www.abecip.org.br/institucional-about-us/associados" 120 > 121 Associados </a> 122 123 </li> 124 <li> 125 <a 126 class="hasSub" 127 > 128 Publicações Abecip </a> 129 <ul class="ul-child"> 130 <li> 131 <a 132 href="https://www.abecip.org.br/institucional-about-us/publicacoes-abecip/livros" 133 > 134 Livros </a> 135 </li> 136 </ul> 137 138 139 </li> 140 <li> 141 <a 142 class="hasSub" 143 > 144 About Us </a> 145 <ul class="ul-child"> 146 <li> 147 <a 148 href="https://www.abecip.org.br/institucional-about-us/about-us/the-association" 149 > 150 The Association </a> 151 </li> 152 <li> 153 <a 154 href="https://www.abecip.org.br/institucional-about-us/about-us/activities" 155 > 156 Activities </a> 157 </li> 158 </ul> 159 160 161 </li> 162 <li> 163 <a 164 class="hasSub" 165 > 166 Sobre Nosostros </a> 167 <ul class="ul-child"> 168 <li> 169 <a 170 href="https://www.abecip.org.br/institucional-about-us/sobre-nosostros/la-entidad" 171 > 172 La Entidad </a> 173 </li> 174 <li> 175 <a 176 href="https://www.abecip.org.br/institucional-about-us/sobre-nosostros/actuacion" 177 > 178 Actuación </a> 179 </li> 180 </ul> 181 182 183 </li> 184 <li> 185 <a 186 href="https://www.abecip.org.br/institucional-about-us/termos-de-uso" 187 > 188 Termos de Uso </a> 189 190 </li> 191 <li> 192 <a 193 href="https://www.abecip.org.br/institucional-about-us/politica-de-privacidade" 194 > 195 PolÃtica de Privacidade </a> 196 197 </li> 198 </ul> 199 </li> 200 201 202 <li> 203 204 <a class="hasSub" > 205 Crédito Imobiliário </a> 206 <ul> 207 <li> 208 <a 209 href="https://www.abecip.org.br/credito-imobiliario/autorregulacao" 210 > 211 Autorregulação </a> 212 213 </li> 214 <li> 215 <a 216 href="https://www.abecip.org.br/credito-imobiliario/calculadora-de-poupanca-pf" 217 > 218 Calculadora de Poupança PF </a> 219 220 </li> 221 <li> 222 <a 223 href="https://www.abecip.org.br/credito-imobiliario/historia" 224 > 225 História </a> 226 227 </li> 228 <li> 229 <a 230 class="hasSub" 231 > 232 Indicadores </a> 233 <ul class="ul-child"> 234 <li> 235 <a 236 href="https://www.abecip.org.br/credito-imobiliario/indicadores/caderneta-de-poupanca" 237 > 238 Caderneta de Poupança </a> 239 </li> 240 <li> 241 <a 242 href="https://www.abecip.org.br/credito-imobiliario/indicadores/financiamento" 243 > 244 Financiamento </a> 245 </li> 246 <li> 247 <a 248 href="https://www.abecip.org.br/credito-imobiliario/indicadores/cgi" 249 > 250 CGI </a> 251 </li> 252 </ul> 253 254 255 </li> 256 <li> 257 <a 258 href="https://www.abecip.org.br/credito-imobiliario/manual-de-melhores-praticas" 259 > 260 Manual de Melhores Práticas </a> 261 262 </li> 263 </ul> 264 </li> 265 266 267 <li> 268 269 <a class="hasSub" > 270 IGMI-R ABECIP </a> 271 <ul> 272 <li> 273 <a 274 href="https://www.abecip.org.br/igmi-r-abecip/caracteristicas-do-indice" 275 > 276 CaracterÃsticas do Ãndice </a> 277 278 </li> 279 <li> 280 <a 281 href="https://www.abecip.org.br/igmi-r-abecip/apresentacao-igmi-r-abecip" 282 > 283 Apresentação IGMI-R ABECIP </a> 284 285 </li> 286 <li> 287 <a 288 href="https://www.abecip.org.br/igmi-r-abecip/mes-a-mes" 289 > 290 Mês a mês </a> 291 292 </li> 293 <li> 294 <a 295 href="https://www.abecip.org.br/igmi-r-abecip/serie-historica" 296 > 297 Série Histórica </a> 298 299 </li> 300 </ul> 301 </li> 302 303 304 <li> 305 306 <a class="hasSub" > 307 Certificação </a> 308 <ul> 309 <li> 310 <a 311 href="https://www.abecip.org.br/certificacao/exames" 312 > 313 Exames </a> 314 315 </li> 316 </ul> 317 </li> 318 319 320 <li> 321 322 <a href="https://www.abecip.org.br/educacao-corporativa"> 323 Abecip Educação </a> 324 </li> 325 326 327 <li> 328 329 <a class="hasSub" > 330 Imprensa </a> 331 <ul> 332 <li> 333 <a 334 href="https://www.abecip.org.br/imprensa/informativos-mensais" 335 > 336 Informativos mensais </a> 337 338 </li> 339 <li> 340 <a 341 href="https://www.abecip.org.br/imprensa/coletivas" 342 > 343 Coletivas </a> 344 345 </li> 346 <li> 347 <a 348 href="https://www.abecip.org.br/listagem/imprensa/noticias" 349 > 350 NotÃcias </a> 351 352 </li> 353 </ul> 354 </li> 355 356 357 358 <li> 359 360 <a class="hasSub" > 361 Eventos </a> 362 <ul> 363 <li> 364 <a 365 href="https://www.abecip.org.br/eventos/seminarios-abecip" 366 > 367 Seminários Abecip </a> 368 369 </li> 370 <li> 371 <a 372 class="hasSub" 373 > 374 Prêmios </a> 375 <ul class="ul-child"> 376 <li> 377 <a 378 href="https://www.abecip.org.br/eventos/premios/jornalismo" 379 > 380 Jornalismo </a> 381 </li> 382 </ul> 383 384 385 </li> 386 </ul> 387 </li> 388 389 390 <li> 391 392 <a class="hasSub" > 393 Como se Associar </a> 394 <ul> 395 <li> 396 <a 397 href="https://www.abecip.org.br/como-se-associar/solicitacao" 398 > 399 Solicitação </a> 400 401 </li> 402 </ul> 403 </li> 404 </ul> 405</nav> 406 407<fieldset class="searchmob animated hide"> 408 <form enctype="multipart/form-data" action="https://www.abecip.org.br/resultado" method="get" id="form_pesquisa" name="form_pesquisa"> 409 <label for="">PESQUISAR |</label> 410 <input type="text" id="complete" name="busca_mob" autocomplete="off"> 411 <input type="submit" value=""> 412 </form> 413</fieldset> 414 415<fieldset class="loginmob animated hide"> 416 <form action="https://www.abecip.org.br/login" method="post" class="form_login" name="form_login_mob">
417 <input type="text" name="login_email_mob_pass" id="login_email_mob_pass" placeholder="Digite seu e-mail" /> 418 <input type="text" name="login_email_mob" id="login_email_mob" class="control_moddata no-label login_email_mob" placeholder="E-mail" data-validation="required|email" /> 419 <input type="password" name="login_senha_mob" id="login_senha_mob" class="control_moddata no-label" placeholder="Senha" data-validation="required" /> 420 <a href="javascript:void(0);" class="btn_mob_voltar">VOLTAR</a> 421 <div style="float:left;width:100%;clear:both;margin-top: 1rem;"> 422 <input type="submit" class="submit_send_mobile" value="Enviar"> 423 <button class="submit_pass_mobile" value="Enviar" style="display: none;">Enviar</button> 424 <span style="margin-right: 1em;" id="btn_passforg_mob"><a href="https://www.abecip.org.br/area-restrita/esqueci-minha-senha">Esqueci a senha</a></span> 425 <span><a href="https://www.abecip.org.br/area-restrita/cadastre-se">CADASTRE-SE</a></span> 426 </div> 427 </form> 428</fieldset> 429</div> 430 431<div class="container"> 432 <div class="logo left"> 433 <a href="https://www.abecip.org.br/" title="Abecip"><img src="https://www.abecip.org.br/assets/images/logo.png" alt=""></a> 434 </div> 435 436 <div class="right_top_test"> 437 438 <!-- TOPO QUANDO O USUARIO ESTà LOGADO --> 439 440 <!-- TOPO QUANDO O USUARIO NÃO ESTà LOGADO --> 441 <div class="top_access mob_top right"> 442 <div class="search_top_container desk"> 443 <form enctype="multipart/form-data" action="https://www.abecip.org.br/resultado" method="get" id="form_pesquisa" name="form_pesquisa"> 444 <fieldset> 445 <input type="text" autocomplete="off" name="busca" placeholder="PESQUISAR" class="typeahead"> 446 <input type="submit" style="display: none;"/> 447 </fieldset> 448 </form> 449 <div id="autocomplete_container" class="hide"> 450 <ul></ul> 451 </div> 452 </div> 453 454 <div class="user_area" id="link-area-associado"> 455 <span> 456 <a href='javascript:;'>ÃREA DO ASSOCIADO</a> 457 </span> 458 </div> 459 460 <div class="menu_login desk" id="box-login-area-associado" style="display:none;"> 461 <form action="https://www.abecip.org.br/login" method="post" class="form_login" name="form_login"> 462 <input type="text" placeholder="Digite seu e-mail para recuperar a sua senha" name="login_email_pass" id="login_email_pass" class="no-label"> 463 <input type="text" placeholder="E-mail" name="login_email" id="login_email" class="no-label control_data" data-validation="required|email"> 464 <input type="password" placeholder="Senha" name="login_senha" id="login_senha" class="no-label control_data" data-validation="required"> 465 <input type="submit" class="submit_send" value=""> 466 <button class="submit_pass" value=""></button> 467 </form> 468 </div> 469 470 <div class="login_helper desk" style="display:none;"> 471 <a href="javascript:void(0);" id="pass_forg_back">Voltar</a> 472 <a href="javascript:void(0);" id="pass_forg_link">Esqueci a senha</a> 473 <a href="https://www.abecip.org.br/area-restrita/cadastre-se">Cadastre-se</a> 474 </div> 475 476 <div class="menu_access_mob mob_2"> 477 <input type="checkbox" id="search_btn" class="testing"> 478 <label for="search_btn" class="search_btn"></label> 479 480 <input type="checkbox" id="login_btn"> 481 <label for="login_btn" class="login_btn"></label> 482 483 <input type="checkbox" id="menu_btn"> 484 <label for="menu_btn" class="menu_btn"></label> 485 </div> 486 </div> 487 488 489 <!-- NAVEGAÃÃO --> 490 <nav class="top_menu desk"> 491 <ul> 492 493 494 495 496 <li class="main_parent"> 497 <a > 498 Institucional / About us </a> 499 <ul class="ul-father"> 500 <li class="m-l0"> 501 <a 502 href="https://www.abecip.org.br/institucional-about-us/a-abecip" 503 > 504 A ABECIP </a> 505 </li> 506 <li class="m-l0"> 507 <a 508 href="https://www.abecip.org.br/institucional-about-us/associados" 509 > 510 Associados </a> 511 </li> 512 <li class="m-l0"> 513 <a 514 > 515 Publicações Abecip </a> 516 <ul class="ul-child"> 517 <li> 518 <a 519 href="https://www.abecip.org.br/institucional-about-us/publicacoes-abecip/livros" 520 > 521 Livros </a> 522 </li> 523 </ul> 524 </li> 525 <li class="m-l0"> 526 <a 527 > 528 About Us </a> 529 <ul class="ul-child"> 530 <li> 531 <a 532 href="https://www.abecip.org.br/institucional-about-us/about-us/the-association" 533 > 534 The Association </a> 535 </li> 536 <li> 537 <a 538 href="https://www.abecip.org.br/institucional-about-us/about-us/activities" 539 > 540 Activities </a> 541 </li> 542 </ul> 543 </li> 544 <li class="m-l0"> 545 <a 546 > 547 Sobre Nosostros </a> 548 <ul class="ul-child"> 549 <li> 550 <a 551 href="https://www.abecip.org.br/institucional-about-us/sobre-nosostros/la-entidad" 552 > 553 La Entidad </a> 554 </li> 555 <li> 556 <a 557 href="https://www.abecip.org.br/institucional-about-us/sobre-nosostros/actuacion" 558 > 559 Actuación </a> 560 </li> 561 </ul> 562 </li> 563 <li class="m-l0"> 564 <a 565 href="https://www.abecip.org.br/institucional-about-us/termos-de-uso" 566 > 567 Termos de Uso </a> 568 </li> 569 <li class="m-l0"> 570 <a 571 href="https://www.abecip.org.br/institucional-about-us/politica-de-privacidade" 572 > 573 PolÃtica de Privacidade </a> 574 </li> 575 </ul> 576 </li> 577 578 579 580 581 <li class="main_parent"> 582 <a > 583 Crédito Imobiliário </a> 584 <ul class="ul-father"> 585 <li class="m-l0"> 586 <a 587 href="https://www.abecip.org.br/credito-imobiliario/autorregulacao" 588 > 589 Autorregulação </a> 590 </li> 591 <li class="m-l0"> 592 <a 593 href="https://www.abecip.org.br/credito-imobiliario/calculadora-de-poupanca-pf" 594 > 595 Calculadora de Poupança PF </a> 596 </li> 597 <li class="m-l0"> 598 <a 599 href="https://www.abecip.org.br/credito-imobiliario/historia" 600 > 601 História </a> 602 </li> 603 <li class="m-l0"> 604 <a 605 > 606 Indicadores </a> 607 <ul class="ul-child"> 608 <li> 609 <a 610 href="https://www.abecip.org.br/credito-imobiliario/indicadores/caderneta-de-poupanca" 611 > 612 Caderneta de Poupança </a> 613 </li> 614 <li> 615 <a 616 href="https://www.abecip.org.br/credito-imobiliario/indicadores/financiamento" 617 > 618 Financiamento </a> 619 </li> 620 <li> 621 <a 622 href="https://www.abecip.org.br/credito-imobiliario/indicadores/cgi" 623 > 624 CGI </a> 625 </li> 626 </ul> 627 </li> 628 <li class="m-l0"> 629 <a 630 href="https://www.abecip.org.br/credito-imobiliario/manual-de-melhores-praticas" 631 > 632 Manual de Melhores Práticas </a> 633 </li> 634 </ul> 635 </li> 636 637 638 639 640 <li class="main_parent"> 641 <a > 642 IGMI-R ABECIP </a> 643 <ul class="ul-father"> 644 <li class="m-l0"> 645 <a 646 href="https://www.abecip.org.br/igmi-r-abecip/caracteristicas-do-indice" 647 > 648 CaracterÃsticas do Ãndice </a> 649 </li> 650 <li class="m-l0"> 651 <a 652 href="https://www.abecip.org.br/igmi-r-abecip/apresentacao-igmi-r-abecip" 653 > 654 Apresentação IGMI-R ABECIP </a> 655 </li> 656 <li class="m-l0"> 657 <a 658 href="https://www.abecip.org.br/igmi-r-abecip/mes-a-mes" 659 > 660 Mês a mês </a> 661 </li> 662 <li class="m-l0"> 663 <a 664 href="https://www.abecip.org.br/igmi-r-abecip/serie-historica" 665 > 666 Série Histórica </a> 667 </li> 668 </ul> 669 </li> 670 671 672 673 674 <li class="main_parent"> 675 <a > 676 Certificação </a> 677 <ul class="ul-father"> 678 <li class="m-l0"> 679 <a 680 href="https://www.abecip.org.br/certificacao/exames" 681 > 682 Exames </a> 683 </li> 684 </ul> 685 </li> 686 687 688 689 690 <li class="main_parent"> 691 <a href="https://www.abecip.org.br/educacao-corporativa"> 692 Abecip Educação </a> 693 </li> 694 695 696 697 698 <li class="main_parent"> 699 <a > 700 Imprensa </a> 701 <ul class="ul-father"> 702 <li class="m-l0"> 703 <a 704 href="https://www.abecip.org.br/imprensa/informativos-mensais" 705 > 706 Informativos mensais </a> 707 </li> 708 <li class="m-l0"> 709 <a 710 href="https://www.abecip.org.br/imprensa/coletivas" 711 > 712 Coletivas </a> 713 </li> 714 <li class="m-l0"> 715 <a 716 href="https://www.abecip.org.br/listagem/imprensa/noticias" 717 > 718 NotÃcias </a> 719 </li> 720 </ul> 721 </li> 722 723 724 725 726 727 728 <li class="main_parent"> 729 <a > 730 Eventos </a> 731 <ul class="ul-father"> 732 <li class="m-l0"> 733 <a 734 href="https://www.abecip.org.br/eventos/seminarios-abecip" 735 > 736 Seminários Abecip </a> 737 </li> 738 <li class="m-l0"> 739 <a 740 > 741 Prêmios </a> 742 <ul class="ul-child"> 743 <li> 744 <a 745 href="https://www.abecip.org.br/eventos/premios/jornalismo" 746 > 747 Jornalismo </a> 748 </li> 749 </ul> 750 </li> 751 </ul> 752 </li> 753 754 755 756 757 <li class="main_parent"> 758 <a > 759 Como se Associar </a> 760 <ul class="ul-father"> 761 <li class="m-l0"> 762 <a 763 href="https://www.abecip.org.br/como-se-associar/solicitacao" 764 > 765 Solicitação </a> 766 </li> 767 </ul> 768 </li> 769 </ul> 770</nav> 771 772 </div> 773</div> 774</header> 775<!-- ===================================== --><header class="topo_internas"> 776 777 <div class="container container_mob"> 778 <h1> 779 About Us </h1> 780 </div> 781 782 <div class="breadcrumb"> 783 <div class="bg_bread"></div> 784 <div class="container container_mob"> 785 <ul> 786 <li><a href="https://www.abecip.org.br/">HOME</a></li> 787 <li><a>Institucional / About us</a></li> 788 <li><a href="https://www.abecip.org.br/institucional-about-us/the-association/about-us">About Us</a></li> 789 <li><a href="https://www.abecip.org.br/institucional-about-us/the-association">The Association</a></li> 790 791 </ul> 792 </div> 793 </div> 794</header> 795 796<section class="wrapper"> 797 <div class="container container_mob"> 798 799 <div class="content_wrapper"> 800 <header class="top_content">
801 <span class="date">01/01/2016</span> 802 <div class="actions_1"> 803 804 805 </div> 806 <h2>The Association</h2> 807 <span class="resenha">The Brazilian Association of Real Estate Loans and Savings Companies (Associação Brasileira das Entidades de Crédito Imobiliário e Poupança - Abecip) was set up in the First National Meeting of the Real Estate Loans and Savings Companies. </span> 808 </header> 809 810 <!-- GALERIA --> 811 812 813 <div class="content content-conteudo"> 814 <p style="text-align: justify;" class="p_style_1">The Brazilian Association of Real Estate Loans and Savings Companies (Associação Brasileira das Entidades de Crédito Imobiliário e Poupança - Abecip) was set up in the First National Meeting of the Real Estate Loans and Savings Companies. The meeting was held in Sâo Paulo`s Club Nacional, from August 17 to August 19, 1967, and was attended by representatives of 34 companies. The climax of the meeting was the creation of the Association. The pioneers of the real estate finance industry in Brazil - the partners and directors of Real Estate Credit Societies (SCIs) and Savings and Loan Association (APEs) - participated of the meeting, as well as lawyers, developers and realtors.</p> 815<p style="text-align: justify;" class="p_style_1"><br />Just three years before that meeting, a new and wide-ranged housing finance model had been introduced in Brazil - the Housing Finance System (Sistema Financeiro da Habitação (SFH). The SFH and Abecip histories followed a common trajectory. Before the SFH, housing finance depended on scarce budget funds and privileged only few households. Until 1964, there were no monetary correction and real interest rates - which were introduced by the new model - and therefore, no return on the invested capital.</p> 816<p style="text-align: justify;" class="p_style_1"><br />Abecip was set up as a non-profit private organization, to represent the real estate finance industry, gathering the financial institutions of the SFH, the Brazilian System of Savings and Loans (Sistema Brasileiro de Poupança e Empréstimo - SBPE) and, as of 1997, the Real Estate Financing System (Sistema de Financiamento Imobiliário -SFI). This position allowed the Association to carry out its activities on a national scale and on a comprehensive and efficient manner.</p> 817<p style="text-align: justify;" class="p_style_1"><br />The Association was created to participate in the new housing policy and to respond to the challenge of meeting the demand for housing of the emerging middle class and low income population. There was an enormous unexplored market at that time and the Association wanted to be present in its development.</p> 818<p style="text-align: justify;" class="p_style_1"><br />The founders' goal, which is being followed to these days, was to play a key role in structuring the country's real estate finance. This was carried out throughout the over four decades of its existence. The Association's aim is ambitious: to contribute towards molding the institutional architecture of real estate finance, fulfilling the protagonist role in the process.</p> 819<p style="text-align: justify;" class="p_style_1"><br />The initiative was successful. The Association played a key role in the organization of the private real estate financing businesses and in the discussion of the agenda and of the rules required for the comprehensive system to work properly.</p> 820<p style="text-align: justify;" class="p_style_1"><br />Throughout the SFH history, the Association also played a key role as a link between private businesses and the government. This was essential, for example, in the initial stage of the SFH, a complex model created in 1964 by ministers Roberto de Oliveira Campos and Octávio Gouvêa de Bulhões, in the first year of the Castello Branco administration (1964-67). The SFH was a testing ground for monetary correction. Without monetary correction, no long term financing system was able to strive with inflation, the largest anomaly of the Brazilian economy, which was only defeated three decades after the introduction of the SFH, with the Plano Real of 1994.</p> 821<p style="text-align: justify;" class="p_style_1"><br />The SFH was conceived on sound pillars. It was based on a second-line financial institution with regulatory powers, the National Housing Bank (Banco Nacional da Habitação - BNH). The SFH operated through housing cooperatives (Cohab's), savings banks, APEs and SCIs (commercial banks entered this market only during the eighties). And it had mechanisms to prevent temporary disequilibria in the borrowers' economic life, such as a fund to compensate for wage adjustment and monetary correction mismatches (the Fundo de Compensação de Variações Salariais - FCVS).</p> 822<p style="text-align: justify;" class="p_style_1"><br />Up to the mid-seventies, whilst inflation was moderate according to the standards of that time, the SFH registered a successful history. The system was based on a strong BNH, savings banks, SCIs and APEs fund raising structure, based on real estate bills and on savings accounts - the latter being very successful - and a huge institutional advertising campaign. At the same time, a mandatory savings deposit based on workers' wages (the Fundo de Garantia do Tempo de Serviço - FGTS) was introduced to help develop the SFH. Thus a large spectrum housing finance system was made feasible, which up to the end of the seventies had financed 2.5 million homes. Today this number has now reached 8 million.</p> 823<p style="text-align: justify;" class="p_style_1"><br />However, as high inflation resumed in the mid-seventies, the SFH started to face problems. The basic elements of long term prosperity - economic growth, formal employment and social mobility - were missing.<br />During the eighties, with the exhaustion of the system due to an erratic subsidy policy granted to households that did not need them, the housing finance model had to be radically reformulated. And Abecip played again a key role in this process.</p> 824<p style="text-align: justify;" class="p_style_1"><br />The combination of political pressures with economic populism unsteadied the housing finance model. In an effort to hide its own limitations, the government closed down the BNH in 1986, transferring its regulatory role to the Central Bank.</p> 825<p style="text-align: justify;" class="p_style_1"><br />But this was not enough. The system had to be reformulated first, to separate the market segment - the SBPE - which uses savings deposit funds, from the social system, which depen
825ds on subsidies, budget funds and FGTS funds.</p> 826<p style="text-align: justify;" class="p_style_1"><br />To strengthen the regulatory framework, ensure safety to credit operations and foster the secondary market for real estate assets, Abecip promoted hundreds of meetings, seminars, workshops, national and international conferences, to seek, in the international experience, the best solutions to improve the domestic real estate finance model. The period comprising the end of the eighties to the mid-nineties was a period of studies and debates, which counted with the contribution of well-known specialists, like ex-Finance Minister Mário Henrique Simonsen and ex-Central Bank President Gustavo Loyola. As a result of these efforts, the Real Estate Financing System (Sistema de Financiamento Imobiliário - SFI) was created in 1997 by Law 9514 and complemented later by Law 10931. The SFI introduced securitization of real estate receivables and loans in Brazil, created the real estate property trust sale mechanism (alienação fiduciária) and subsequently the separate equity regime (patrimônio de afetação). Meanwhile, a long way was trailed to eliminate past problems of the SFH, such as restoring the equilibrium of the FGTS fund and solving the huge outstanding balance of the FCVS fund. The golden years of real estate finance made a comeback in the 2007/2009 period. The SBPE financing operations reached historical records in 2009 - over 300 thousand loans were granted, with disbursements totaling some BRL 34 billion.</p> 827<p style="text-align: justify;" class="p_style_1"><br />The Association's head office and forum are in the city of São Paulo. The management and the technical and administrative structure of the Association are located on Avenida Brigadeiro Faria Lima, 1485, Torre Norte, 13th floor, Phone number (11) 3286-4855.</p> </div> 828 829 <div class="both_content"> 830 831 <div class="share_links"> 832 <strong>COMPARTILHE:</strong> 833 834 <div class="addthis_toolbox"> 835 <div class="custom_images"> 836 <a class="addthis_button_facebook"><img src="https://www.abecip.org.br/assets/images/assets/share_face.png" border="0" alt="Facebook" /></a> 837 <a class="addthis_button_linkedin"><img src="https://www.abecip.org.br/assets/images/assets/share_in.png" border="0" alt="LinkedIn" /></a> 838 <a class="addthis_button_twitter"><img src="https://www.abecip.org.br/assets/images/assets/share_twitter.png" border="0" alt="Twitter" /></a> 839 <a class="addthis_button_whatsapp mob"><img src="https://www.abecip.org.br/assets/images/assets/share_whatsapp.png" border="0" alt="Whatsapp" /></a> 840 <a class="addthis_button_google_plusone_share"><img src="https://www.abecip.org.br/assets/images/assets/share_plus.png" border="0" alt="Google Plus" /></a> 841 </div> 842 </div> 843 </div> 844 </div> 845 846 <!-- ANEXOS --> 847 </div> 848 849 <!-- RELACIONADOS --> 850 851 </div> 852</section>
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Brigadeiro Faria Lima, 201, 13º andar - Conjunto 132<br /> 882 Pinheiros - São Paulo - SP - CEP 05426-100 883 <p style="color: #fff;font-size: 13px;"> 884 <b>Entre em contato conosco: (11)3286-4855</b><br> 885 886<!-- Abecip: (11) 3286-4855 ou (11) 99677-6925<br>--> 887<!-- Certificação, Recertificação On-line e LGPD: (11) 97154-1339<br>--> 888<!-- Abecip Educação: (11) 96455-0391 ou (11) 97270-6021--> 889 </p> 890 </div> 891 </div> 892 </div> 893 894 <div class="menu_footer "> 895 <nav class="bloco_menu_footer"> 896 <span><a >Institucional / About us</a></span> 897 <ul> 898 <li > 899 <a 900 href="https://www.abecip.org.br/institucional-about-us/a-abecip" 901 > 902 A ABECIP </a> 903 </li> 904 <li > 905 <a 906 href="https://www.abecip.org.br/institucional-about-us/associados" 907 > 908 Associados </a> 909 </li> 910 <li class="hasSubFooter"> 911 <a 912 > 913 Publicações Abecip </a> 914 <ul> 915 <li> 916 <a 917 href="https://www.abecip.org.br/institucional-about-us/publicacoes-abecip/livros" 918 > 919 Livros </a> 920 </li> 921 </ul> 922 </li> 923 <li class="hasSubFooter"> 924 <a 925 > 926 About Us </a> 927 <ul> 928 <li> 929 <a 930 href="https://www.abecip.org.br/institucional-about-us/about-us/the-association" 931 > 932 The Association </a> 933 </li> 934 <li> 935 <a 936 href="https://www.abecip.org.br/institucional-about-us/about-us/activities" 937 > 938 Activities </a> 939 </li> 940 </ul> 941 </li> 942 <li class="hasSubFooter"> 943 <a 944 > 945 Sobre Nosostros </a> 946 <ul> 947 <li> 948 <a 949 href="https://www.abecip.org.br/institucional-about-us/sobre-nosostros/la-entidad" 950 > 951 La Entidad </a> 952 </li> 953 <li> 954 <a 955 href="https://www.abecip.org.br/institucional-about-us/sobre-nosostros/actuacion" 956 > 957 Actuación </a> 958 </li> 959 </ul> 960 </li> 961 <li > 962 <a 963 href="https://www.abecip.org.br/institucional-about-us/termos-de-uso" 964 > 965 Termos de Uso </a> 966 </li> 967 <li > 968 <a 969 href="https://www.abecip.org.br/institucional-about-us/politica-de-privacidade" 970 > 971 PolÃtica de Privacidade </a> 972 </li> 973 </ul> 974 </nav> 975 <nav class="bloco_menu_footer"> 976 <span><a >Crédito Imobiliário</a></span> 977 <ul> 978 <li > 979 <a 980 href="https://www.abecip.org.br/credito-imobiliario/autorregulacao" 981 > 982 Autorregulação </a> 983 </li> 984 <li > 985 <a 986 href="https://www.abecip.org.br/credito-imobiliario/calculadora-de-poupanca-pf" 987 > 988 Calculadora de Poupança PF </a> 989 </li> 990 <li > 991 <a 992 href="https://www.abecip.org.br/credito-imobiliario/historia" 993 > 994 História </a> 995 </li> 996 <li class="hasSubFooter"> 997 <a 998 > 999 Indicadores </a> 1000 <ul> 1001 <li> 1002 <a 1003 href="https://www.abecip.org.br/credito-imobiliario/indicadores/caderneta-de-poupanca" 1004 > 1005 Caderneta de Poupança </a> 1006 </li> 1007 <li> 1008 <a 1009 href="https://www.abecip.org.br/credito-imobiliario/indicadores/financiamento" 1010 > 1011 Financiamento </a> 1012 </li> 1013 <li> 1014 <a 1015 href="https://www.abecip.org.br/credito-imobiliario/indicadores/cgi" 1016 > 1017 CGI </a> 1018 </li> 1019 </ul> 1020 </li> 1021 <li > 1022 <a 1023 href="https://www.abecip.org.br/credito-imobiliario/manual-de-melhores-praticas" 1024 > 1025 Manual de Melhores Práticas </a> 1026 </li> 1027 </ul> 1028 </nav> 1029 <nav class="bloco_menu_footer"> 1030 <span><a >IGMI-R ABECIP</a></span> 1031 <ul> 1032 <li > 1033 <a 1034 href="https://www.abecip.org.br/igmi-r-abecip/caracteristicas-do-indice" 1035 > 1036 CaracterÃsticas do Ãndice </a> 1037 </li> 1038 <li > 1039 <a 1040 href="https://www.abecip.org.br/igmi-r-abecip/apresentacao-igmi-r-abecip" 1041 > 1042 Apresentação IGMI-R ABECIP </a> 1043 </li> 1044 <li > 1045 <a 1046 href="https://www.abecip.org.br/igmi-r-abecip/mes-a-mes" 1047 > 1048 Mês a mês </a> 1049 </li> 1050 <li > 1051 <a 1052 href="https://www.abecip.org.br/igmi-r-abecip/serie-historica" 1053 > 1054 Série Histórica </a> 1055 </li> 1056 </ul> 1057 </nav> 1058 <nav class="bloco_menu_footer"> 1059 <span><a >Certificação</a></span> 1060 <ul> 1061 <li > 1062 <a 1063 href="https://www.abecip.org.br/certificacao/exames" 1064 > 1065 Exames </a> 1066 </li> 1067 </ul> 1068 </nav> 1069 <nav class="bloco_menu_footer"> 1070 <span><a >Imprensa</a></span> 1071 <ul> 1072 <li > 1073 <a 1074 href="https://www.abecip.org.br/imprensa/informativos-mensais" 1075 > 1076 Informativos mensais </a> 1077 </li> 1078 <li > 1079 <a 1080 href="https://www.abecip.org.br/imprensa/coletivas" 1081 > 1082 Coletivas </a> 1083 </li> 1084 <li > 1085 <a 1086 href="https://www.abecip.org.br/listagem/imprensa/noticias" 1087 > 1088 NotÃcias </a> 1089 </li> 1090 </ul> 1091 </nav> 1092 <nav class="bloco_menu_footer"> 1093 <span><a >Contato</a></span> 1094 <ul> 1095 <li > 1096 <a 1097 href="https://www.abecip.org.br/contato/fale-conosco" 1098 > 1099 Fale conosco </a> 1100 </li> 1101 <li > 1102 <a 1103 href="https://www.abecip.org.br/contato/perguntas-frequentes" 1104 > 1105 Perguntas Frequentes </a> 1106 </li> 1107 </ul> 1108 </nav> 1109 <nav class="bloco_menu_footer"> 1110 <span><a >Eventos</a></span> 1111 <ul> 1112 <li > 1113 <a 1114 href="https://www.abecip.org.br/eventos/seminarios-abecip" 1115 > 1116 Seminários Abecip </a> 1117 </li> 1118 <li class="hasSubFooter"> 1119 <a 1120 > 1121 Prêmios </a> 1122 <ul> 1123 <li> 1124 <a 1125 href="https://www.abecip.org.br/eventos/premios/jornalismo" 1126 > 1127 Jornalismo </a> 1128 </li> 1129 </ul> 1130 </li> 1131 </ul> 1132 </nav> 1133 <nav class="bloco_menu_footer"> 1134 <span><a >Como se Associar</a></span> 1135 <ul> 1136 <li > 1137 <a 1138 href="https://www.abecip.org.br/como-se-associar/solicitacao" 1139 > 1140 Solicitação </a> 1141 </li> 1142 </ul> 1143 </nav> 1144 1145 <nav class="bloco_menu_footer"> 1146 <span><a href="https://www.abecip.org.br/educacao-corporativa">Abecip Educação</a></span> 1147 </nav> 1148 </div> 1149 1150 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