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Su m m ary. This p aper analyses the con tinuing crisis of the Brazilian housing ® nance system in the secon d h alf of th e 1980s and early 1990s. The pap er assesses the im pact of the closu re of the Brazilian N ation al Housing Bank in 1986 on future d evelop m ents within the circu it of housing ® n ance and in relation to social hou sing prod uction . The paper brie¯y analyses the S EAC schem e, set u p during th e Sarn ey govern m ent (1985± 89) and th e M AS/CEF housing p rogram m e, set up during the Collor govern m ent (1990± 92). The pap er add s to a previou s Urb an Studies paper w hich focu ses on develop m ents in the ® rst half of the 1980s. Ma rcio M. Valenc Ë a is in the Departamento de Geogra® aÐ UFRN (Brazil), but is presently an

This paper summarises the major trends which produced a crisis in the Brazilian Housing Finance System (SFH) during the first half of the 1980s . It constitutes a first effort to contextualise the question within the broader economic framework of recent Brazilian development . It holds the thesis that the crisis was inevitable, due to both the SFH's original operational format and several inconsistent measures adopted piecemeal according to political and economic convenience .

This paper(1) describes the ways in which clientelism was a factor in the formal structures promoting housing during the Collor government in Brazil, a country where frequent institutional changes have provided the opportunity for new client—patron chains to penetrate the government apparatus. While the institutional and organizational aspects of housing provision are of paramount interest to social scientists and practitioners, it is necessary to go beyond the surface of these formal structures to find out how the system works in practice. This paper analyzes the institutional arrangements that supported housing promotion under the Ministry of Social Action in Brazil during the Collor government and examines their private nature as well as the often loose ways in which the housing authorities actually operated the system.

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