No. To guarantee the right to decent housing is the duty of the state. In addition, the My House, My Life program benefits not only low-income families, but to society as a whole, helping to turn the wheel of the economy. A major innovation in the Minha Casa Minha Vida program was to turn "the grace period" into demand, by bringing to the market of large segment of the population below the so- called " funding line." This led to a niche market for builders, who were then able to build properties for this social segment. Thus, the program generated double impact - social and economic. Given a segment which accounts for over 90% of the housing deficit of the country, generating 1.3 million direct jobs in the works of houses, stimulating the construction and heating other important sectors such as industry and the trade of building materials. Between 2009 and 2013, the program has injected R$ 63 billion into the economy, of which R$ 37.55 billion was in the construction sector alone.