Multiple contractsthe cases of SIMC and SALC

Resumo

In 1984 the Brazilian System of Housing Financing (SFH) introduced the Mixed System of Amortization with Increasing Installments (SIMC), and in 1988 Jorge Oscar de Mello Flores, then a member of the BNH Council, presented the Linearly Increasing Amortization System – SALC as a new way to increment house financing commercialization. In this article we analyze both methods of amortization and compare them with the multiple scheme system, introduced by De Losso et al. (2013), to determine, in each case, the best option for the financing institution. Additionally, an alternative to SIMC is also analyzed. Given the choice, the borrower should request the financing institution to implement it.

Ficha do documento

Tipo

Estudo

Ano

2026

Instituição

Fundação Getulio Vargas

Fonte

Repositório da FGV

Idioma

Inglês

Acesso

Acesso aberto

Identificador

oai:repositorio.fgv.br:10438/38594

Temas

Economia

Palavras-chave

Mixed System of Amortization with Increasing Installments (SIMC)Linearly Increasing Amortization System (SALC)Multiple Contracts SchemeEconomiaSistema Misto de Amortização com Prestações Reais CrescentesSistema de amortização crescenteContratos - Financiamento