Durante décadas, a oferta de casas excedeu a procura, o que ajudou a expandir o parque habitacional do país e moderar o crescimento dos preços.
Nos últimos anos a situação inverteu-se e atualmente a procura de casas está bastante acima da oferta (slide 1). O resultado é conhecido: os preços imobiliários têm subido rapidamente, causando graves problemas de acessibilidade à habitação.
A solução é só uma: oferta, oferta, oferta. Só assim é que este enorme desequilíbrio entre oferta e procura pode ser resolvido, atenuando a subida vertiginosa dos preços das casas.
Neste sentido, tudo o que fizermos para agilizar os licenciamentos e a construção e a reabilitação de casas é bem vindo.
Mas há algo mais que podemos fazer: apostar de forma decisiva na habitação social ou na habitação a preços mais acessíveis.
Na OCDE, somos dos países com menos habitação social (slide 2). Entre nós, menos de 2% do stock habitacional é habitação social.
Em claro contraste, os Países Baixos, a Áustria, o Reino Unido, a França, a Irlanda, a Coreia, a Finlância, entre outros, têm mais de 10% do seu stock imobiliário em habitação social ou a preços mais acessíveis.
É fundamental seguirmos as melhores práticas destes países para melhorarmos a acessibilidade da habitação no nosso País.
Para ser mais, não perca os Boletins Económicos de Dezembro:
🔗https://t.co/XG5hspvIKE
E de Março:🔗https://t.co/tgxw4LAgPM
@bancodeportugal
Em suma, a acessibilidade à habitação tornou-se numa das maiores preocupações e dificuldades das famílias.
Aumentar a oferta de casas o mais rapidamente possível e investir em habitação social devem ser uma prioridade absoluta de todos para os próximos anos.
@bancodeportugal
#boletimeconomico
Um dos desenvolvimentos mais significativos dos últimos anos e, porventura, o maior risco interno que enfrentamos, tem sido a pronunciada subida dos preços da habitação.
Os preços da habitação aumentaram 140% entre 2016 e 2025. A maioria deste aumento (80%) ocorreu desde 2019.
As rendas também têm subido de forma significativa: entre 2019 e 2025, a renda mediana por m2 subiu cerca de 65%.
Obviamente, esta enorme subida de preços tem um impacto muito grande sobre a acessibilidade à habitação.
Para percebermos isto mesmo, os investigadores do Banco de Portugal calcularam um indicador de acessibilidade à habitação, que representa a “taxa de esforço” do empréstimo contraído para adquirir uma casa de área mediana (101 m2) e preço mediano para uma família de rendimento mediano.
Nuno Borges gets a fantastic first ever #Wimbledon main draw win.
Defeats #19 Francisco Cerundolo 4-6, 6-3, 7-6(5), 6-0 to reach the 2nd round.
Another great win for Portuguese tennis in a Grand Slam this year.
Great to see.
Vamos, @RafaelNadal!
As you get ready to graduate from tennis, I’ve got a few things to share before I maybe get emotional.
Let’s start with the obvious: you beat me—a lot. More than I managed to beat you. You challenged me in ways no one else could. On clay, it felt like I was stepping into your backyard, and you made me work harder than I ever thought I could just to hold my ground. You made me reimagine my game—even going so far as to change the size of my racquet head, hoping for any edge.
I’m not a very superstitious person, but you took it to the next level. Your whole process. All those rituals. Assembling your water bottles like toy soldiers in formation, fixing your hair, adjusting your underwear... All of it with the highest intensity. Secretly, I kind of loved the whole thing. Because it was so unique—it was so you.
And you know what, Rafa, you made me enjoy the game even more.
OK, maybe not at first. After the 2004 Australian Open, I achieved the #1 ranking for the first time. I thought I was on top of the world. And I was—until two months later, when you walked on the court in Miami in your red sleeveless shirt, showing off those biceps, and you beat me convincingly. All that buzz I’d been hearing about you—about this amazing young player from Mallorca, a generational talent, probably going to win a major someday—it wasn’t just hype.
We were both at the start of our journey and it’s one we ended up taking together. Twenty years later, Rafa, I have to say: What an incredible run you’ve had. Including 14 French Opens—historic! You made Spain proud... you made the whole tennis world proud.
I keep thinking about the memories we’ve shared. Promoting the sport together. Playing that match on half-grass, half-clay. Breaking the all-time attendance record by playing in front of more than 50,000 fans in Cape Town, South Africa. Always cracking each other up. Wearing each other out on the court and then, sometimes, almost literally having to hold each other up during trophy ceremonies.
I’m still grateful you invited me to Mallorca to help launch the Rafa Nadal Academy in 2016. Actually, I kind of invited myself. I knew you were too polite to insist on me being there, but I didn’t want to miss it. You have always been a role model for kids around the world, and Mirka and I are so glad that our children have all trained at your academies. They had a blast and learned so much—like thousands of other young players. Although I always worried my kids would come home playing tennis as lefties.
And then there was London—the Laver Cup in 2022. My final match. It meant everything to me that you were there by my side—not as my rival but as my doubles partner. Sharing the court with you that night, and sharing those tears, will forever be one of the most special moments of my career.
Rafa, I know you’re focused on the last stretch of your epic career. We will talk when it’s done. For now, I just want to congratulate your family and team, who all played a massive role in your success. And I want you to know that your old friend is always cheering for you, and will be cheering just as loud for everything you do next.
Rafa that!
Best always, your fan,
Roger