Social housing is now being constructed all over Brazil thanks to the government's Minha Casa Minha Vida (My House My Life) programme. A major participant in this programme is Anglo-Brazilian property developer EcoHouse Group who began building under the scheme back in 2009, Now 5 years later and with almost a dozen developments to their name in the north east of the country they move south, announcing that their next project will be located near to Porto Alegre, state capital of Rio Grande Do Sul.
There was a lot of speculation early this year as to where EcoHouse Group would be building next, rumours where correct and their next social housing project was indeed in the south of the country but not Joinville as some had speculated. Joinville is the largest settlement (but not the capital) of Santa Catarina State. Nowadays Joinville has rather more than half a million residents plus about the same number again in the surrounding metropolitan area. Many of the people in the city are of German descent and indeed some estimates put the total at over half. Of course, being of German 'descent' often means just partly rather than wholly.
The first Europeans to come to the area were German, Swiss and Norwegian immigrants in the year 1851 when the town was founded. In the decades that followed people from many countries came to Joinville but the largest component was a total of 17,000 German immigrants sent over the years by an emigration society based in Hamburg. These people were mainly agricultural Lutheran and working-class people who came to make a fresh start in a new land.
The name Joinville is actually French not German. It was chosen in the early 1800's to honour the french Prince de Joinville (son of the king) who married a Brazilian princess. Although the royal couple had no connection to the area, a palace was eventually built for them here. It's now a museum about the German 19th century immigration process.
Eventually 'cash-flow' problems meant that the Prince was eventually forced to sell nearly all his land in the south of Brazil. Holdings in this district went to the German, Senator Schroder who was a leader of the Hamburg Colonisation Society previously mentioned.
Nowadays Joinville is well known for its continuing German architecture, cuisine and general culture. Needless to say, though, there are also many other people in the city and area who have Portuguese, Italian or Dutch ancestors. Compared to many other regions and cities of Brazil, there are comparatively very few inhabitants of African or indigenous native American heritage. It's also famous as a popular centre for exhibitions, trade fairs, business conventions and conferences and the like.
The economy today is centred on engineering, industry and manufacturing. In 2012 GM opened a vehicle plant. There are also (among many others) software companies like Datasul and Logocenter and large firms like Tupy, Tigre, Schulz SA and Dohler. Nearby, BMW has plans to launch a large factory producing luxury vehicles and this is due to open by the end of this year, 2014. The economy of Joinville is generally regarded as doing well and for this reason inward investment, from both domestic and overseas sources is steady.
Monte Alegre is the latest Minha Casa Minha Vida Development under contruction by EcoHouse Group, and allows investors a chance to earn attractive returns through a safe and secure short term property investment
Written by A Emery B.A, M.Ed., Cert.Ed
Tuesday, 20 May 2014
Sunday, 26 January 2014
Wednesday, 15 January 2014
More Funds for Minha Casa Minha Vida in 2014
President Dilma Rousseff’s government is increasing funding for the landmark Minha Casa Minha Vida (My House My Life) program by R$1 billion in 2014. The move, which will funnel R$15.77 billion into the government-sponsored housing credit initiative, according to O Globo, is an attempt to shore up support for Rousseff in an election year.
The report indicates that, at a time when support for Bolsa Família (Family Scholarship) is high among other candidates, the Workers’ Party (PT) president can no longer rely on the ten-year-old conditional cash transfer program to generate excitement and electoral support as she seeks reelection this November. Bolsa Família, enacted by Rousseff’s predecessor, Luiz Inácio Lula da Silva, in 2003, is largely credited for lifting millions of Brazilians out of extreme poverty in the last decade.
Its supporters point to Bolsa Família’s fame as one of the most effective poverty-reduction programs in the world. To its harshest critics, it is a vote-buying scheme that creates clientelism. Ensuring that Bolsa Família is maintained is said to have been key to securing the victory of Workers’ Party candidates in the last two presidential elections.
President Rousseff’s opposition is now labeling her effort to increase Minha Casa Minha Vida funds as opportunism.
“There’s a great electoral opportunism in making a one R$1 billion reinforcement in the program in an election year. The government uses the weaknesses of the poorest population to perpetuate itself in power. But that bill will be paid by society one day, because they are creating a huge bubble, the degree of bankruptcy is very high,” warned Senator Cássio Cunha Lima from Brazil’s Social Democracy Party (PSDB).
Yet in November 2013, PSDB’s presidential candidate, Aécio Neves, introduced a bill in the Senate that would guarantee Bolsa Família would not be repealed by other governments.
Rousseff’s government is hoping 3.5 million homes will be finished between 2015 and 2018, an increase from the 2.7 million houses completed during phase two of Minha Casa Minha Vida that draws to a close this year. Rousseff had initially proposed three million homes for the third phase of the program.
“Those who are against extending the resources of Minha Casa Minha Vida for 2014 are the same who voted against the creation of the program back then,” PT leader José Guimarães told O Globo. The public housing program was enacted by Lula in 2009. Over one million homes have been completed and delivered since its start. As Bolsa Família, Minha Casa Minha Vida is popular among low income Brazilians and enjoys wide support from the larger population.
The program provides financing so that those households making under three times the minimum wage can buy their first home with low interest loans. It is meant to influence the housing market so that it offers an adequate supply of affordable houses to low-income prospective homeowners.
O Globo reported that Rousseff has asked her ministers to address the flaws that the program’s opponents might rail against during her reelection campaign this year. Minha Casa Minha Vida has been marked by fraud scandals and by accusations of delivering inadequate, poor quality homes. The government is hoping to quickly finish the second phase’s technical studies so that it can use the project’s successes in its campaign.
EcoHouse Group currently have a number of minha casa minha vida developments underway throughout Brazil and are able offer safe, secure and ethical Brazilian Property Investment direct.
The report indicates that, at a time when support for Bolsa Família (Family Scholarship) is high among other candidates, the Workers’ Party (PT) president can no longer rely on the ten-year-old conditional cash transfer program to generate excitement and electoral support as she seeks reelection this November. Bolsa Família, enacted by Rousseff’s predecessor, Luiz Inácio Lula da Silva, in 2003, is largely credited for lifting millions of Brazilians out of extreme poverty in the last decade.
Its supporters point to Bolsa Família’s fame as one of the most effective poverty-reduction programs in the world. To its harshest critics, it is a vote-buying scheme that creates clientelism. Ensuring that Bolsa Família is maintained is said to have been key to securing the victory of Workers’ Party candidates in the last two presidential elections.
President Rousseff’s opposition is now labeling her effort to increase Minha Casa Minha Vida funds as opportunism.
“There’s a great electoral opportunism in making a one R$1 billion reinforcement in the program in an election year. The government uses the weaknesses of the poorest population to perpetuate itself in power. But that bill will be paid by society one day, because they are creating a huge bubble, the degree of bankruptcy is very high,” warned Senator Cássio Cunha Lima from Brazil’s Social Democracy Party (PSDB).
Yet in November 2013, PSDB’s presidential candidate, Aécio Neves, introduced a bill in the Senate that would guarantee Bolsa Família would not be repealed by other governments.
Rousseff’s government is hoping 3.5 million homes will be finished between 2015 and 2018, an increase from the 2.7 million houses completed during phase two of Minha Casa Minha Vida that draws to a close this year. Rousseff had initially proposed three million homes for the third phase of the program.
“Those who are against extending the resources of Minha Casa Minha Vida for 2014 are the same who voted against the creation of the program back then,” PT leader José Guimarães told O Globo. The public housing program was enacted by Lula in 2009. Over one million homes have been completed and delivered since its start. As Bolsa Família, Minha Casa Minha Vida is popular among low income Brazilians and enjoys wide support from the larger population.
The program provides financing so that those households making under three times the minimum wage can buy their first home with low interest loans. It is meant to influence the housing market so that it offers an adequate supply of affordable houses to low-income prospective homeowners.
O Globo reported that Rousseff has asked her ministers to address the flaws that the program’s opponents might rail against during her reelection campaign this year. Minha Casa Minha Vida has been marked by fraud scandals and by accusations of delivering inadequate, poor quality homes. The government is hoping to quickly finish the second phase’s technical studies so that it can use the project’s successes in its campaign.
EcoHouse Group currently have a number of minha casa minha vida developments underway throughout Brazil and are able offer safe, secure and ethical Brazilian Property Investment direct.
Friday, 13 December 2013
EcoHouse Group Announces SG$3 million pay outs to Singapore investors
EcoHouse Group has announced that three million Singapore dollars (£1.46 million) are to be paid out to investors in Singapore by the end of December. In the last week alone, SG$754,400 has been paid out to 35 clients, accounting for 82 units, with the remaining SG$2 million due by the end of the year.
Following the announced payouts, EcoHouse CEO Anthony Armstrong Emery said: “What we are noticing is that the improved communication from our side combined with a sensible and pragmatic approach from most of our investors is leading to a feeling that we are in this as a team, working towards a shared goal.”
Following the announced payouts, EcoHouse CEO Anthony Armstrong Emery said: “What we are noticing is that the improved communication from our side combined with a sensible and pragmatic approach from most of our investors is leading to a feeling that we are in this as a team, working towards a shared goal.”
Friday, 22 November 2013
Minha Casa Minha Vida Four Years On
The Minha Casa Minha Vida programme has been an immense
success since it was first launched by the previous Brazilian government back
in 2009, but is the programme doing what it was designed to do and reduce the
country's massive housing deficit.
Although expert analysis does vary, it is generally
estimated that Brazil still needs another 6 - 10million homes to provide
adequate housing for the ever increasing population. In 2005, the Brazilian
housing shortage stood at a massive 7.8 million homes, which is equivalent to
14.7% of demand, according to the Sustainable Brazil Housing Market Potential
report, drawn up by professional services specialists, Ernst and Young Terco.
The 2010 Census broadly agreed with these figures. It stated that Brazil had a
housing deficit of about 5.8 million homes. Looking much further ahead, the
Brazilian government estimates that to meet current and future demand the
country will need another around 24 million homes constructed by the year 2023.
Another factor that will generate more pressure on the
country’s need to add millions of homes is the relatively young population. "While
deemed very successful, the programme is making limited impact on the country’s
housing deficit, estimated at between 6-8 million homes. Given Brazil’s young
population and high rate of household formation, this deficit is growing
rapidly," Savills’ Spotlight on Brazil explains. In 2013, the median age
in Brazil is 30.3 years, which puts it around 100th out of 250 countries,
according to the CIA World Factbook.
The need is great, as Ruban Selvanayagam, partner-director
at the Fez Tá Pronto Construction System and a commentator on the affordable
homes sector in Brazil points out. "Looking at Brazil as a whole, there is
a need to build 4,932 new low-income housing units every day until 2022 - the
bicentenary of Brazil’s independence - based on an aggregated existing deficit
level of 6.7 million homes. However, the situation is evidentially much worse
than is often reported when considering the highly inefficient data collection methodologies
which invariably include homes with abysmally degraded living conditions as
part of the national stock count."
In summary, the Minha Casa Minha Vida programme it working,
but the initial housing deficit was so great that it is going to be a number of
years before we see any noticeable reductions in the housing deficit.
Friday, 1 November 2013
What Is The Possibility of EcoHouse Brazil Bringing Minha Casa Minha Vida to the Mid West
The North Eastern states of Brazil have already seen numerous high quality Minha Casa Minha Vida developments launch over the past 4 years, mainly thanks to the North Eastern state of Rio Grande do Norte being the South American headquarters of Anglo-Brazilian property Giant EcoHouse Group.
Now other states are hoping that EcoHouse will launch more of their superior quality social housing developments throughout the country and with the Brazilian government expected to extend the minha casa minha vida programme for another few years at least this may now be possible.
EcoHouse Brazil are however tight lipped as to where exactly they will launched their next social housing project but the Mid Western state of Mato Grosso do Sul has been a state that has come up in interviews and press releases on a number of occasions. Here's a little more information about the recently founded state.
Mato Grosso do Sul (In English this translates as "thick forest of the south") is an interesting mid-western Brazilian state. It’s unusual because it is so recent, having been founded only in 1977. That was when it was split away from Matto Grosso, its similarly-named and larger neighbour to the north. Mato Grosso do Sul (‘MGS’) is sparsely populated.
It has only two and a half million people, about a third of whom live in the capital, Campo Grande. That’s not very many people for a state with about the same land area as Germany (350,000 sq Km). MGS borders the adjacent countries of Bolivia to the west and also Paraguay to the southwest. This is as well as the other Brazilian states of Mato Grosso, Goias, Minas Gerais, Sao Paolo and Parana which are all next to it
The countryside makes up the vast majority of the land and it’s regarded by the many tourists each year as being both varied and beautiful. For example the popular Pantanal lowlands include forests, savannahs, open pastures and farms. This area is regarded as the largest ‘flooded’ lowland area on earth. In fact the name Pantanal was considered seriously as the name for the new state when it was created 35 years ago, before the decision was made to have a variation of its ‘parent’ state’s name. Another title considered at the time was Maracaju, which refers to the name of the main mountain range which runs from north to south across the territory.
In the so-called ‘Cerrado’ areas, mostly in the south and central regions, most farming people are Brazilians of either Portuguese or German descent, with some ethnic Italians too. Most of Mato Grosso do Sul’s economy is based one way or another on either service industries (46%) or on farming, both large and small scale. This latter mostly consists of crops (soybeans are important) and cattle raising and related occupations. Both of these are helped by the numerous tributaries of the mighty Parana River which criss-cross the state. There’s also an industrial and manufacturing sector which accounts for about one fifth of the state economy. Altogether, though, MGS accounts for only about one per cent of Brazil’s GDP. By the way, the general climate of MGS is mostly humid and warm but occasional variations at both ends of the temperature scale do happen.
The EcoHouse Group have offices in Brazil, the UK, North America, the Middle East, Singapore, malaysia and China. They have been constructing Minha Casa Minha Vida homes since 2009, and are reducing the housing shortage and giving people the chance to make Secure Investments through a secure government run programme.
Now other states are hoping that EcoHouse will launch more of their superior quality social housing developments throughout the country and with the Brazilian government expected to extend the minha casa minha vida programme for another few years at least this may now be possible.
EcoHouse Brazil are however tight lipped as to where exactly they will launched their next social housing project but the Mid Western state of Mato Grosso do Sul has been a state that has come up in interviews and press releases on a number of occasions. Here's a little more information about the recently founded state.
Mato Grosso do Sul (In English this translates as "thick forest of the south") is an interesting mid-western Brazilian state. It’s unusual because it is so recent, having been founded only in 1977. That was when it was split away from Matto Grosso, its similarly-named and larger neighbour to the north. Mato Grosso do Sul (‘MGS’) is sparsely populated.
It has only two and a half million people, about a third of whom live in the capital, Campo Grande. That’s not very many people for a state with about the same land area as Germany (350,000 sq Km). MGS borders the adjacent countries of Bolivia to the west and also Paraguay to the southwest. This is as well as the other Brazilian states of Mato Grosso, Goias, Minas Gerais, Sao Paolo and Parana which are all next to it
The countryside makes up the vast majority of the land and it’s regarded by the many tourists each year as being both varied and beautiful. For example the popular Pantanal lowlands include forests, savannahs, open pastures and farms. This area is regarded as the largest ‘flooded’ lowland area on earth. In fact the name Pantanal was considered seriously as the name for the new state when it was created 35 years ago, before the decision was made to have a variation of its ‘parent’ state’s name. Another title considered at the time was Maracaju, which refers to the name of the main mountain range which runs from north to south across the territory.
In the so-called ‘Cerrado’ areas, mostly in the south and central regions, most farming people are Brazilians of either Portuguese or German descent, with some ethnic Italians too. Most of Mato Grosso do Sul’s economy is based one way or another on either service industries (46%) or on farming, both large and small scale. This latter mostly consists of crops (soybeans are important) and cattle raising and related occupations. Both of these are helped by the numerous tributaries of the mighty Parana River which criss-cross the state. There’s also an industrial and manufacturing sector which accounts for about one fifth of the state economy. Altogether, though, MGS accounts for only about one per cent of Brazil’s GDP. By the way, the general climate of MGS is mostly humid and warm but occasional variations at both ends of the temperature scale do happen.
The EcoHouse Group have offices in Brazil, the UK, North America, the Middle East, Singapore, malaysia and China. They have been constructing Minha Casa Minha Vida homes since 2009, and are reducing the housing shortage and giving people the chance to make Secure Investments through a secure government run programme.
Monday, 14 October 2013
Brazilian State of Bahia would benefit from EcoHouse Group and Minha Casa Minha Vida
As the Minha Casa Minha programme enters its fourth year it has become apparent that the programme will get extend at least until 2016, President Dilma has more or less confirmed this during recent speeches. This news means that more areas will reap the benefits of the programme. As each area awaits news one of the largest Minha Casa Minha Vida developers in Brazil, EcoHouse Group is tight lipped regarding the locations of any future projects. Here's a little more info on the state of Bahia
Bahia is not one of the very largest states in Brazil but it’s certainly pretty big. The exact size is something over half a million square Kilometres which makes it about twice the area of the United Kingdom or about the same as France. The population of fourteen million however is much less than either (and is only about double the size of London). Of these, about 2.5 million live in the Salvador area of the State capital. Other important cities in the State are Feira de Santana (600,000 people), Vitoria da Conquista (300,000) and Camaçari ( 250,000)
The state is on the Atlantic coast of Brazil. As mentioned above, its capital is the city of Salvador, also on the coast, where the Atlantic meets the Bay of All Saints (in Portuguese; ‘Bahia de Todos os Santos’) which of course is where the name of the whole state originates. By the way, the site of the city was first glimpsed by exploring sailors from Europe in the year 1501. The state is geographically divided into two main regions by the north-south mountain range known as Chapada Diamantina. Nowadays the eastern coastal areas of the state are much more developed than the interior.
There are several reasons for this. For a start, the natural vegetation of much of the Atlantic seaboard is coastal forest, one of the largest remaining such parts of Brazil. The land is comparatively very fertile. Consequently in cleared areas the main crops of sugar and tobacco have always done well in the plentiful rainfall although these products are rather less important than they once were. These days soybean growing is a really large part of cultivation.. Similarly, Bahia is now (and has been for some time) the country’s largest producer and exporter of cacao, often known as cocoa and of course the basic ingredient of chocolate. But agriculture these days only accounts for about ten per cent of Bahia State’s GDP. Roughly speaking the industrial component comprises around 50% and the service sector 40%.
Industries are diverse and tend to focus on petrochemical and metallurgical products. An increasing part of this is the automotive industry. Other developing concerns in the economic mix are textiles, clothing and footwear as well as cosmetics and food processing. In the new 21st century Bahia is generally regarded as doing better economically than many other parts of Brazil. As a result of this, many administrators believe that inward immigration from other parts of Brazil will soon increase drastically.
Bahia is not one of the very largest states in Brazil but it’s certainly pretty big. The exact size is something over half a million square Kilometres which makes it about twice the area of the United Kingdom or about the same as France. The population of fourteen million however is much less than either (and is only about double the size of London). Of these, about 2.5 million live in the Salvador area of the State capital. Other important cities in the State are Feira de Santana (600,000 people), Vitoria da Conquista (300,000) and Camaçari ( 250,000)
The state is on the Atlantic coast of Brazil. As mentioned above, its capital is the city of Salvador, also on the coast, where the Atlantic meets the Bay of All Saints (in Portuguese; ‘Bahia de Todos os Santos’) which of course is where the name of the whole state originates. By the way, the site of the city was first glimpsed by exploring sailors from Europe in the year 1501. The state is geographically divided into two main regions by the north-south mountain range known as Chapada Diamantina. Nowadays the eastern coastal areas of the state are much more developed than the interior.
There are several reasons for this. For a start, the natural vegetation of much of the Atlantic seaboard is coastal forest, one of the largest remaining such parts of Brazil. The land is comparatively very fertile. Consequently in cleared areas the main crops of sugar and tobacco have always done well in the plentiful rainfall although these products are rather less important than they once were. These days soybean growing is a really large part of cultivation.. Similarly, Bahia is now (and has been for some time) the country’s largest producer and exporter of cacao, often known as cocoa and of course the basic ingredient of chocolate. But agriculture these days only accounts for about ten per cent of Bahia State’s GDP. Roughly speaking the industrial component comprises around 50% and the service sector 40%.
Industries are diverse and tend to focus on petrochemical and metallurgical products. An increasing part of this is the automotive industry. Other developing concerns in the economic mix are textiles, clothing and footwear as well as cosmetics and food processing. In the new 21st century Bahia is generally regarded as doing better economically than many other parts of Brazil. As a result of this, many administrators believe that inward immigration from other parts of Brazil will soon increase drastically.
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