Housing financing and socio-spatial segregation: “Minha Casa Minha Vida” in São José dos Campos, Taubaté and Jacareí/SP

Abstract This article discusses the post 1990’s process of internationalization of financial capital in Brazil, in the so-called neoliberal period, and public housing policy in the neodevelopmental phase, between 2002 and 2016, through the production of housing linked to the federal program “Minha Casa Minha Vida” (MCMV - My House My Life). The discussion was based on the understanding of how the market housing became a financial asset, a new frontier of gains for the capital market in urban space. We evidence the sophistication of the Housing Financial System created in 1997, and its distancing from the concept of the universalization of housing as a right. The objective of this work is to demonstrate that the housing units produced in the cities of São José dos Campos, Taubaté and Jacareí, located in the Metropolitan Region of the Vale do Paraíba e Litoral Norte (RMVPLN) - SP, from 2009 to 2014, began to fulfill this market.

摘要 本文探讨了1990年代后巴西金融资本的国际化进程（即所谓新自由主义时期），以及2002至2016年新发展主义阶段的公共住房政策，相关分析通过开展与联邦项目"我的房子我的生活（Minha Casa Minha Vida，简称MCMV）"相关的住房建设展开。本文基于对市场化住房如何成为金融资产、成为资本市场在城市空间中获利新前沿的认知展开讨论。研究证实了1997年设立的住房金融体系的精细化特征，以及该体系背离"住房权全民化"理念的现实。本研究旨在证明，2009至2014年间，位于圣保罗州帕拉伊巴河谷与北海岸大都会区（RMVPLN - SP）的圣若泽多斯坎波斯、陶巴特和雅卡雷伊三座城市所建成的住房单元，已开始契合这一市场需求。