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When interest rates normalize and you will gather therefore the second market for mortgage was fully consolidated, brand new directed credit program instance SBPE will get gradually getting phased out. The fresh new FGTS system, and this serves a lower life expectancy money group (pick Annex seven), are nevertheless necessary for enough time becoming while the a main resource o f casing financing money, especially if you are alternative subsidies (like the latest PSH upfront subsidy program) can’t be good enough funded to let a more impressive ratio o f lower income domiciles usage of homes loans that have an initial subsidy. About average name, FGTS can get attract even more with the their character since an effective provident loans in the place of while the supplier o f profoundly sponsored borrowing from the bank. FGTS is gradually moving to a clear and you may efJicient way out of getting subsidies.
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