Tool for analyzing the acoustic performance of buildings for real estate financing purposes

Abstract

The Brazilian housing need is largely met through works financed by real estate credit institutions, which receive the financed property itself as collateral. The financing companies analyze the projects of the undertakings, with their own technical criteria, for the granting of subsidies and the inclusion in the housing programs. In the analysis for granting credit, the acoustic parameters of buildings are not considered. This article shows the development of a tool, composed of two electronic spreadsheets, whose purpose is to support the technical analysis of real estate credit, by financing institutions, enabling residential developments with better acoustic performance to be privileged. The database, which can be complemented by users, uses acoustic insulation values ​​determined in laboratory and field tests, which represent a large part of the constructive elements used in the country. These values ​​come from books and academic works on the subject. From the results report of the electronic spreadsheets generated in the work, compliance with the ABNT NBR 15575:13 standard and the respective level of acoustic performance (minimum, intermediate, superior) of the internal and external sealing wall systems, of floors and accessible roofing systems for residential buildings. The use of electronic spreadsheets by the real estate credit analysis sectors to verify the qualification of the projects in terms of acoustic parameters can be an important instrument for investors to obtain a return on their investments and for an improvement in consumer satisfaction indices.