{"id":21275,"date":"2026-11-06T13:59:42","date_gmt":"2026-11-06T13:59:42","guid":{"rendered":"https:\/\/www.cltweb.org\/biblioteca-de-recursos\/raizes-do-movimento-clt\/do-modelo-ao-movimento\/o-nicho-da-aquisicao-de-imoveis-proprios\/"},"modified":"2026-11-08T15:29:17","modified_gmt":"2026-11-08T15:29:17","slug":"o-nicho-da-aquisicao-de-imoveis-proprios","status":"publish","type":"page","link":"https:\/\/www.cltweb.org\/pt-br\/biblioteca-de-recursos\/raizes-do-movimento-clt\/do-modelo-ao-movimento\/o-nicho-da-aquisicao-de-imoveis-proprios\/","title":{"rendered":"O nicho da aquisi\u00e7\u00e3o de im\u00f3veis pr\u00f3prios"},"content":{"rendered":"\n<div class=\"wp-block-group clt-ph is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"clt-ph-label wp-block-paragraph\">O Guia do Jardineiro \u00b7 Parte 4 \u00b7 Cap\u00edtulo 3 de 6<\/p>\n\n\n\n<h1 class=\"wp-block-heading clt-ph-title\">O nicho da aquisi\u00e7\u00e3o de im\u00f3veis pr\u00f3prios<\/h1>\n\n\n\n<p class=\"clt-ph-desc wp-block-paragraph\">Competindo com outras organiza\u00e7\u00f5es por financiamento, terrenos e p\u00fablico, os CLTs dos anos 1980 e 1990 encontraram seu nicho na casa pr\u00f3pria permanentemente acess\u00edvel.<\/p>\n\n\n\n<p class=\"clt-ph-facts wp-block-paragraph\">Por John Emmeus Davis \u00b7 Ilustra\u00e7\u00f5es de Bonnie Acker \u00b7 2014<\/p>\n<\/div>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af2628661a4e&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af2628661a4e\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"192\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Homeownership-Niche-1-300x192.jpg\" alt=\"Ilustra&#xE7;&#xE3;o: Homeownership Niche\" class=\"wp-image-20737\" style=\"width:300px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Homeownership-Niche-1-300x192.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Homeownership-Niche-1-1024x656.jpg 1024w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Homeownership-Niche-1-768x492.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Homeownership-Niche-1-1536x984.jpg 1536w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Homeownership-Niche-1.jpg 1922w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><figcaption class=\"wp-element-caption\">Ilustra\u00e7\u00e3o de Bonnie Acker \u00a9 2014<\/figcaption><\/figure>\n\n<p class=\"wp-block-paragraph\">Em um cen\u00e1rio organizacional superlotado e tendo que competir com outras organiza\u00e7\u00f5es sem fins lucrativos por financiamento p\u00fablico, doa\u00e7\u00f5es privadas, locais e apoiadores, os ativistas e profissionais que criaram as primeiras CLTs nas d\u00e9cadas de 1980 e 1990 se depararam com duas quest\u00f5es decisivas:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Que servi\u00e7os ainda n\u00e3o estavam sendo oferecidos por outra organiza\u00e7\u00e3o sem fins lucrativos?<\/li>\n\n\n\n<li>O que um fundo comunit\u00e1rio de terras poderia fazer melhor do que qualquer outra entidade?<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">A resposta para ambas as perguntas, para muitos CLTs, foi a gest\u00e3o de longo prazo de moradias com restri\u00e7\u00f5es \u00e0 revenda e ocupadas pelos pr\u00f3prios propriet\u00e1rios. A aquisi\u00e7\u00e3o da casa pr\u00f3pria parecia um nicho no qual o CLT poderia se firmar. Assim como v\u00e1rias outras organiza\u00e7\u00f5es sem fins lucrativos, as CLTs ajudariam fam\u00edlias de baixa renda a se tornarem propriet\u00e1rias, mas depois fariam o que a maioria das outras organiza\u00e7\u00f5es sem fins lucrativos n\u00e3o fazia antes de 2000. As Community Land Trusts estavam comprometidas em preservar a acessibilidade dessas casas muito tempo depois de elas serem compradas \u2013 e sempre que fossem colocadas \u00e0 venda. Os CLTs tamb\u00e9m se comprometiam a garantir a manuten\u00e7\u00e3o adequada dessas moradias com restri\u00e7\u00e3o de revenda e a evitar a execu\u00e7\u00e3o hipotec\u00e1ria caso os novos propriet\u00e1rios ficassem atrasados nos pagamentos da hipoteca no futuro. Esse trio de responsabilidades p\u00f3s-compra ficou conhecido como as \u201ctr\u00eas faces da gest\u00e3o respons\u00e1vel\u201d.<\/p>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af2628662a0b&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af2628662a0b\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"218\" height=\"300\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Covenant-CLT-House-Framing-1981-1-218x300.jpg\" alt=\"Covenant CLT &#x2013; Estrutura da Casa &#x2013; 1981\" class=\"wp-image-20739\" style=\"width:150px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Covenant-CLT-House-Framing-1981-1-218x300.jpg 218w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Covenant-CLT-House-Framing-1981-1-745x1024.jpg 745w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Covenant-CLT-House-Framing-1981-1-768x1056.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Covenant-CLT-House-Framing-1981-1.jpg 980w\" sizes=\"auto, (max-width: 218px) 100vw, 218px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n<p class=\"wp-block-paragraph\">Isso representou uma redu\u00e7\u00e3o significativa da miss\u00e3o mais abrangente que antes havia sido imaginada para o CLT. Como dizia o livro de 1972, \u201co community land trust tem&#8230; como objetivo administrar terras em nome de toda a humanidade, presente e futura\u201d. Depois do lan\u00e7amento do livro de 1982, por\u00e9m, com sua \u00eanfase maior em moradia acess\u00edvel, revitaliza\u00e7\u00e3o de bairros e popula\u00e7\u00f5es urbanas amea\u00e7adas pela gentrifica\u00e7\u00e3o e pelo deslocamento, os CLTs come\u00e7aram (1) a priorizar um subconjunto de \u201ctoda a humanidade\u201d, ou seja, as fam\u00edlias de baixa renda, e (2) a redefinir a administra\u00e7\u00e3o mais em termos de proteger a moradia do que de manter a posse da terra.<\/p>\n\n<p class=\"wp-block-paragraph\">Essa estrat\u00e9gia acabou sendo um sucesso para as CLTs que buscavam um nicho sustent\u00e1vel em um cen\u00e1rio repleto de organiza\u00e7\u00f5es sem fins lucrativos concorrentes. Isso ajudou o movimento a crescer, pelo menos em \u00e1reas onde os subs\u00eddios p\u00fablicos e privados eram suficientes para diminuir a diferen\u00e7a de acessibilidade entre o pre\u00e7o das casas dispon\u00edveis e a renda dos poss\u00edveis compradores \u2014 e onde quem concedia esses subs\u00eddios realmente <em>se importava<\/em> com a acessibilidade e a sustentabilidade futuras das moradias que ajudaram a criar.<\/p>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af26286637e5&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af26286637e5\" class=\"wp-block-image alignleft size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"173\" height=\"300\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Construction-graphic-by-Bonnie-Acker-1-173x300.jpg\" alt=\"Ilustra&#xE7;&#xE3;o: Gr&#xE1;fico de constru&#xE7;&#xE3;o por Bonnie Acker\" class=\"wp-image-20741\" style=\"width:150px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Construction-graphic-by-Bonnie-Acker-1-173x300.jpg 173w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Construction-graphic-by-Bonnie-Acker-1.jpg 425w\" sizes=\"auto, (max-width: 173px) 100vw, 173px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><figcaption class=\"wp-element-caption\">Ilustra\u00e7\u00e3o de Bonnie Acker \u00a9 2014<\/figcaption><\/figure>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af262866427a&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af262866427a\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"65\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Lincoln-logo-1-300x65.jpg\" alt=\"Logotipo da Lincoln\" class=\"wp-image-20743\" style=\"width:203px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Lincoln-logo-1-300x65.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Lincoln-logo-1-1024x223.jpg 1024w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Lincoln-logo-1-768x167.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Lincoln-logo-1.jpg 1344w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n<p class=\"wp-block-paragraph\">Muitos n\u00e3o pensaram nisso. Na verdade, nos prim\u00f3rdios do movimento CLT, pouqu\u00edssimos autoridades p\u00fablicas \u2014 seja no n\u00edvel federal, estadual ou municipal \u2014 se preocupavam muito com o que poderia acontecer no futuro com as moradias populares que tinham subsidiado, principalmente se essas moradias fossem ocupadas pelos pr\u00f3prios propriet\u00e1rios. O Instituto de Economia Comunit\u00e1ria e as CLTs locais acabaram desempenhando um papel significativo na mudan\u00e7a dessas percep\u00e7\u00f5es e pol\u00edticas. Mas eles tiveram bastante ajuda, n\u00e3o s\u00f3 de aliados como o Instituto Nacional de Habita\u00e7\u00e3o e, mais tarde, o Instituto Lincoln de Pol\u00edtica Fundi\u00e1ria e a Funda\u00e7\u00e3o Ford, mas tamb\u00e9m de um clima pol\u00edtico e econ\u00f4mico em transforma\u00e7\u00e3o, no qual a gest\u00e3o respons\u00e1vel passava a ser vista como cada vez mais importante.<\/p>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af2628664d5a&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af2628664d5a\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"245\" height=\"300\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Housing-demonstration-1981-graphic-by-Bonnie-Acker-245x300.jpg\" alt=\"Ilustra&#xE7;&#xE3;o: Demonstra&#xE7;&#xE3;o sobre habita&#xE7;&#xE3;o &#x2013; 1981 &#x2013; Gr&#xE1;fico de Bonnie Acker\" class=\"wp-image-20744\" style=\"width:150px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Housing-demonstration-1981-graphic-by-Bonnie-Acker-245x300.jpg 245w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Housing-demonstration-1981-graphic-by-Bonnie-Acker.jpg 639w\" sizes=\"auto, (max-width: 245px) 100vw, 245px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><figcaption class=\"wp-element-caption\">Ilustra\u00e7\u00e3o de Bonnie Acker \u00a9 2014<\/figcaption><\/figure>\n\n<p class=\"wp-block-paragraph\">Meados da d\u00e9cada de 1980 tamb\u00e9m foi uma \u00e9poca em que o pre\u00e7o das moradias pr\u00f3prias come\u00e7ou uma subida acentuada que durou 20 anos, mesmo com a renda familiar estagnada para os tr\u00eas quintis mais baixos da popula\u00e7\u00e3o e as taxas de juros das hipotecas atingindo n\u00edveis hist\u00f3ricos. Uma nova express\u00e3o entrou no vocabul\u00e1rio das pol\u00edticas p\u00fablicas: a \u201clacuna de acessibilidade\u201d, que se refere ao abismo cada vez maior entre os pre\u00e7os das moradias e a renda das fam\u00edlias.<\/p>\n\n<p class=\"wp-block-paragraph\">\u00c0 medida que os pol\u00edticos e o p\u00fablico em geral ficavam cada vez mais preocupados com a diminui\u00e7\u00e3o da acessibilidade tanto dos alugu\u00e9is a pre\u00e7os de mercado quanto da aquisi\u00e7\u00e3o de im\u00f3veis a pre\u00e7os de mercado, a confian\u00e7a depositada nos modelos tradicionais de posse ficou um pouco abalada. Esses modelos pareciam cada vez mais incapazes de proteger e preservar a moradia acess\u00edvel, especialmente em mercados inflacion\u00e1rios com pre\u00e7os superaquecidos. O CLT, por outro lado, foi criado especificamente para fazer o que os modelos orientados pelo mercado n\u00e3o conseguiam. Como Chuck Matthei disse na Confer\u00eancia Nacional do CLT em Atlanta, em 1987: \u201cNenhum programa, seja p\u00fablico ou privado, \u00e9 um<\/p>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af26286658da&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af26286658da\" class=\"wp-block-image aligncenter size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"201\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Chuck-Matthei-300x201.jpg\" alt=\"Chuck Matthei\" class=\"wp-image-20747\" style=\"width:125px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Chuck-Matthei-300x201.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Chuck-Matthei-768x515.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Chuck-Matthei.jpg 814w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n<figure id=\"attachment_2735\" aria-describedby=\"caption-attachment-2735\" style=\"width: 125px\" class=\"wp-caption alignright\"><figcaption id=\"caption-attachment-2735\" class=\"wp-caption-text\">Chuck Matthei<\/figcaption><\/figure>\n\n<p class=\"wp-block-paragraph\">n\u00e3o \u00e9 uma resposta verdadeira ou adequada \u00e0 crise imobili\u00e1ria se n\u00e3o abordar a quest\u00e3o da acessibilidade financeira a longo prazo. \u00c9 hora de tra\u00e7ar um limite pol\u00edtico. Esse \u00e9 um desafio pr\u00e1tico que os formuladores de pol\u00edticas enfrentam; \u00e9 o desafio pr\u00e1tico que os ativistas comunit\u00e1rios enfrentam; e, felizmente, \u00e9 um desafio pr\u00e1tico que o modelo de fundos de terras comunit\u00e1rios tem capacidade de superar.\u201d<\/p>\n\n<p class=\"wp-block-paragraph\">Pela primeira vez, tanto os formuladores de pol\u00edticas quanto os ativistas comunit\u00e1rios estavam prestando aten\u00e7\u00e3o. A acessibilidade permanente come\u00e7ou a parecer um caminho prudente a seguir, uma pol\u00edtica mais respons\u00e1vel do ponto de vista fiscal e politicamente mais defens\u00e1vel do que as pr\u00e1ticas governamentais anteriores. \u00c0 medida que a preserva\u00e7\u00e3o ganhava mais destaque na agenda p\u00fablica, principalmente em lugares onde os pre\u00e7os de mercado estavam disparando, o n\u00famero de CLTs come\u00e7ou a crescer.<\/p>\n\n<p class=\"wp-block-paragraph\">Para surpresa de muitos observadores, o mesmo aconteceu em mercados em baixa. Tanto em lugares onde a diferen\u00e7a de acessibilidade n\u00e3o estava aumentando quanto em momentos em que os pre\u00e7os das moradias estavam despencando, o n\u00famero e a aceita\u00e7\u00e3o das CLTs continuaram a crescer. O motivo era f\u00e1cil de entender. As CLTs n\u00e3o desapareciam depois de vender uma casa com restri\u00e7\u00f5es de revenda. Elas continuavam por tr\u00e1s do neg\u00f3cio, garantindo as oportunidades de aquisi\u00e7\u00e3o de im\u00f3veis que tinham trabalhado tanto para criar. Elas evitavam a falta de manuten\u00e7\u00e3o; protegiam contra empr\u00e9stimos abusivos; e intervinham em casos de inadimpl\u00eancia hipotec\u00e1ria, impedindo a queda rumo \u00e0 execu\u00e7\u00e3o hipotec\u00e1ria.<\/p>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af26286663ba&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af26286663ba\" class=\"wp-block-image alignleft size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"226\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Business-cycle-1-300x226.jpg\" alt=\"Ciclo econ&#xF4;mico\" class=\"wp-image-20749\" style=\"width:150px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Business-cycle-1-300x226.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Business-cycle-1.jpg 444w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n<p class=\"wp-block-paragraph\">Pelo menos era essa a promessa. As CLTs vinham defendendo, desde o in\u00edcio dos anos 80, que eram mais eficazes na preserva\u00e7\u00e3o da acessibilidade quando os mercados estavam aquecidos. Em 2008, os defensores das CLTs j\u00e1 argumentavam que elas tamb\u00e9m s\u00e3o eficazes para evitar a falta de manuten\u00e7\u00e3o e reduzir as execu\u00e7\u00f5es hipotec\u00e1rias quando os mercados est\u00e3o em baixa. \u201cGest\u00e3o antic\u00edclica\u201d era o nome que \u00e0s vezes se dava a essa capacidade dupla demonstrada pelas CLTs e por outras formas de propriedade compartilhada.<\/p>\n\n<p class=\"wp-block-paragraph\">A partir de 2003, come\u00e7aram a surgir uma s\u00e9rie de avalia\u00e7\u00f5es baseadas em dados que analisavam detalhadamente se essas alega\u00e7\u00f5es eram verdadeiras. Duas quest\u00f5es se destacaram nesses estudos: os fundos imobili\u00e1rios comunit\u00e1rios (CLTs) mant\u00eam a acessibilidade para fam\u00edlias de baixa renda que esperam comprar casas do CLT no futuro, ao mesmo tempo em que oferecem \u00e0s fam\u00edlias que decidirem vender suas casas do CLT uma taxa de retorno justa e a chance de acumular patrim\u00f4nio? Os CLTs aumentam a seguran\u00e7a dos propriet\u00e1rios de baixa renda, reduzindo a incid\u00eancia de execu\u00e7\u00f5es hipotec\u00e1rias, ao mesmo tempo em que permitem mobilidade para os propriet\u00e1rios que querem sair do CLT?<\/p>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af2628666cc4&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af2628666cc4\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"225\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/CLT-evaluations-300x225.jpg\" alt=\"Avalia&#xE7;&#xF5;es dos CLTs\" class=\"wp-image-20750\" style=\"width:150px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/CLT-evaluations-300x225.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/CLT-evaluations.jpg 720w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n<p class=\"wp-block-paragraph\">Esses estudos responderam que sim, apresentando pela primeira vez dados concretos de que o foco espec\u00edfico na gest\u00e3o p\u00f3s-compra de moradias pr\u00f3prias, adotado por muitas CLTs, estava dando certo. As casas das CLTs tinham menos chances de serem perdidas com o tempo. Isso se confirmou quando os mercados aquecidos amea\u00e7aram a acessibilidade. Isso se confirmou quando os mercados em baixa amea\u00e7avam a seguran\u00e7a da posse. Mesmo durante a crise hipotec\u00e1ria da Grande Recess\u00e3o, que come\u00e7ou em 2008, os propriet\u00e1rios de im\u00f3veis em CLTs tiveram muito menos inadimpl\u00eancias e muito menos execu\u00e7\u00f5es hipotec\u00e1rias, comparados ao desempenho desanimador dos propriet\u00e1rios com hipotecas convencionais para casas a pre\u00e7os de mercado. O sucesso comprovado do modelo, mostrando que a gest\u00e3o respons\u00e1vel funciona, ajudou o movimento a crescer.<\/p>\n\n<div class=\"wp-block-group has-palette-color-6-background-color has-background is-layout-constrained wp-container-core-group-is-layout-3493ed78 wp-block-group-is-layout-constrained\" style=\"border-radius:10px;margin-top:48px;padding-top:28px;padding-right:28px;padding-bottom:28px;padding-left:28px\">\n<h2 id=\"h-further-reading\" class=\"wp-block-heading\" style=\"margin-top:0\">Leitura complementar<\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af26286678a2&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af26286678a2\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"235\" height=\"300\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cover-of-Shared-Equity-Homeownership-2006-1-235x300.jpg\" alt=\"Capa do livro &#x201C;Shared Equity Homeownership &#x2013; 2006&#x201D;\" class=\"wp-image-20753\" style=\"width:124px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cover-of-Shared-Equity-Homeownership-2006-1-235x300.jpg 235w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cover-of-Shared-Equity-Homeownership-2006-1-802x1024.jpg 802w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cover-of-Shared-Equity-Homeownership-2006-1-768x981.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cover-of-Shared-Equity-Homeownership-2006-1-1203x1536.jpg 1203w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cover-of-Shared-Equity-Homeownership-2006-1-1604x2048.jpg 1604w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cover-of-Shared-Equity-Homeownership-2006-1-scaled.jpg 2005w\" sizes=\"auto, (max-width: 235px) 100vw, 235px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Miriam Axel-Lute, <em>\u201cA Propriedade Imobili\u00e1ria Hoje e Amanh\u00e3: Construindo Patrim\u00f4nio e Preservando a Acessibilidade<\/em>\u201d (Washington, DC: Cornerstone Partnership, 2010).<\/li>\n\n\n\n<li>John Emmeus Davis, \u201cMais do que dinheiro: o que se <em>compartilha<\/em> na propriedade com participa\u00e7\u00e3o acion\u00e1ria?\u201d <em>Revista de Direito da Moradia Acess\u00edvel e Desenvolvimento Comunit\u00e1rio<\/em> (primavera\/ver\u00e3o de 2010).<\/li>\n\n\n\n<li>John Emmeus Davis, \u201cCasas que duram: argumentos a favor da gest\u00e3o antic\u00edclica\u201d, <em>Shelterforce<\/em> (inverno de 2008).<\/li>\n\n\n\n<li>John Emmeus Davis, <em>Propriedade com Participa\u00e7\u00e3o Acion\u00e1ria: O Cen\u00e1rio em Transforma\u00e7\u00e3o das Moradias com Restri\u00e7\u00e3o de Revenda e Ocupadas pelos Propriet\u00e1rios<\/em> (Montclair, NJ: National Housing Institute, 2006).<\/li>\n\n\n\n<li>John Emmeus Davis e Alice Stokes, <em>\u201cTerras em fideicomisso, casas que duram\u201d (<\/em>Burlington, VT: Champlain Housing Trust, 2010).<\/li>\n\n\n\n<li>Rick Jacobus, \u201cO melhor dos dois mundos\u201d, <em>Shelterforce<\/em> (2010).<\/li>\n\n\n\n<li>Kenneth Temkin, Brett Theodos e David Price, <em>Equilibrando Acessibilidade e Oportunidade: Uma Avalia\u00e7\u00e3o dos Programas de Aquisi\u00e7\u00e3o de Im\u00f3veis Acess\u00edveis com Controles de Acessibilidade a Longo Prazo<\/em> (Washington, DC: The Urban Institute, 2010).<\/li>\n\n\n\n<li>Emily Thaden, <em>\u201cSuperando o mercado: entendendo as baixas taxas de inadimpl\u00eancia e execu\u00e7\u00f5es hipotec\u00e1rias em fundos comunit\u00e1rios de terras<\/em> \u201d (Portland, OR: National CLT Network, 2010).<\/li>\n\n\n\n<li>Emily Thaden, <em>Propriedade imobili\u00e1ria est\u00e1vel em uma economia turbulenta: inadimpl\u00eancias e execu\u00e7\u00f5es hipotec\u00e1rias continuam baixas nos fundos comunit\u00e1rios de terras<\/em> (Cambridge, MA: Lincoln Institute of Land Policy, 2011).<\/li>\n<\/ul>\n\n\n\n<h2 id=\"h-external-links\" class=\"wp-block-heading\">Links externos<\/h2>\n\n\n\n<figure class=\"wp-block-image alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"87\" height=\"119\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/NHI-logo.jpg\" alt=\"Logotipo do NHI\" class=\"wp-image-21093\" style=\"width:87px;height:auto\"\/><\/figure>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af2628668551&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af2628668551\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"97\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cornerstone-Partnership-logo-300x97.jpg\" alt=\"NCB Cornerstone 4c\" class=\"wp-image-21094\" style=\"width:142px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cornerstone-Partnership-logo-300x97.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cornerstone-Partnership-logo-1024x331.jpg 1024w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cornerstone-Partnership-logo-768x248.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cornerstone-Partnership-logo-1536x497.jpg 1536w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cornerstone-Partnership-logo.jpg 1800w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af2628668b7e&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af2628668b7e\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"269\" height=\"300\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/NCLTN-logo-269x300.jpg\" alt=\"Logotipo da NCLTN\" class=\"wp-image-20708\" style=\"width:70px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/NCLTN-logo-269x300.jpg 269w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/NCLTN-logo-919x1024.jpg 919w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/NCLTN-logo-768x855.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/NCLTN-logo.jpg 1106w\" sizes=\"auto, (max-width: 269px) 100vw, 269px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<ul id=\"block-70\" class=\"wp-block-list\">\n<li><a href=\"http:\/\/www.nhi.org\/\">Instituto Nacional de Habita\u00e7\u00e3o<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/www.cltnetwork.org\">Rede Nacional de CLT<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/affordableownership.org\/\">Parceria Cornerstone<\/a><\/li>\n<\/ul>\n\n\n\n<div id=\"themify_builder_content-67\" data-postid=\"67\" class=\"themify_builder_content themify_builder_content-67 themify_builder\">\n    <\/div>\n<\/div>\n\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-35719fbe wp-block-columns-is-layout-flex\" style=\"margin-top:48px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-palette-color-13-color has-text-color has-small-font-size wp-block-paragraph\">Anterior<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"margin-top:0\"><a href=\"https:\/\/www.cltweb.org\/pt-br\/biblioteca-de-recursos\/raizes-do-movimento-clt\/do-modelo-ao-movimento\/intercambio-de-ideias\/\">\u2190 Poliniza\u00e7\u00e3o cruzada<\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-right has-palette-color-13-color has-text-color has-small-font-size wp-block-paragraph\">Pr\u00f3ximo<\/p>\n\n\n\n<p class=\"has-text-align-right wp-block-paragraph\" style=\"margin-top:0\"><a href=\"https:\/\/www.cltweb.org\/pt-br\/biblioteca-de-recursos\/raizes-do-movimento-clt\/do-modelo-ao-movimento\/sacudindo-a-arvore-do-dinheiro\/\">Sacudindo a \u00e1rvore do dinheiro \u2192<\/a><\/p>\n<\/div>\n<\/div>\n\n<hr class=\"wp-block-separator has-text-color has-palette-color-5-color has-alpha-channel-opacity has-palette-color-5-background-color has-background is-style-wide\" style=\"margin-top:24px;margin-bottom:40px\"\/>\n\n<h2 id=\"h-more-from-from-model-to-movement\" class=\"wp-block-heading\">Mais sobre \u201cDe Modelo a Movimento\u201d<\/h2>\n\n<div class=\"wp-block-group gg-tiles is-layout-grid wp-container-core-group-is-layout-080b9d9d wp-block-group-is-layout-grid\"><style>.kt-info-box20775_t0{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t0{height:auto;align-self:stretch;}.kt-info-box20775_t0 .kt-blocks-info-box-link-wrap{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t0 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box20775_t0 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;background:var(--theme-palette-color-8);padding-top:10px;padding-right:10px;padding-bottom:16px;padding-left:10px;}.kt-info-box20775_t0 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;background:var(--theme-palette-color-8);}.kt-info-box20775_t0.wp-block-kadence-infobox{max-width:100%;}.kt-info-box20775_t0 .kadence-info-box-image-inner-intrisic-container .kadence-info-box-image-intrisic{padding-bottom:67.3333%;width:300px;height:0px;max-width:100%;}.kt-info-box20775_t0 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box20775_t0 .kt-info-svg-icon-flip, .kt-info-box20775_t0 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box20775_t0 .kt-blocks-info-box-media{border-radius:6px;overflow:hidden;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box20775_t0 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:12px;margin-left:0px;}.kt-info-box20775_t0 .kt-infobox-textcontent h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);font-size:18px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:0px;margin-right:0px;margin-bottom:2px;margin-left:0px;}.kt-info-box20775_t0 .kt-blocks-info-box-link-wrap:hover h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);}.kt-info-box20775_t0 .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.wp-block-kadence-infobox.kt-info-box20775_t0 .kt-blocks-info-box-text{font-size:14px;line-height:1.5;}.kt-info-box20775_t0 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.kt-info-box20775_t0 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box20775_t0 .kt-blocks-info-box-link-wrap{box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20775_t0 .kt-blocks-info-box-link-wrap:hover{box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}@media all and (max-width: 1024px){.kt-info-box20775_t0 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}}@media all and (max-width: 1024px){.kt-info-box20775_t0 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}@media all and (max-width: 767px){.kt-info-box20775_t0 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20775_t0 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box20775_t0\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left\" href=\"https:\/\/www.cltweb.org\/pt-br\/biblioteca-de-recursos\/raizes-do-movimento-clt\/do-modelo-ao-movimento\/o-ice-chega-ao-mercado\/\" aria-label=\"ICE Goes to Market\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic-container\"><div class=\"kadence-info-box-image-intrisic kt-info-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-ICE-Goes-to-Market-300x202.jpg\" alt=\"\" width=\"300\" height=\"202\" class=\"kt-info-box-image wp-image-20688\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-ICE-Goes-to-Market-300x202.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-ICE-Goes-to-Market-1024x691.jpg 1024w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-ICE-Goes-to-Market-768x518.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-ICE-Goes-to-Market.jpg 1283w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/div><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h3 class=\"kt-blocks-info-box-title\">O ICE chega ao mercado<\/h3><\/div><\/a><\/div>\n\n\n<style>.kt-info-box20775_t1{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t1{height:auto;align-self:stretch;}.kt-info-box20775_t1 .kt-blocks-info-box-link-wrap{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t1 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box20775_t1 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;background:var(--theme-palette-color-8);padding-top:10px;padding-right:10px;padding-bottom:16px;padding-left:10px;}.kt-info-box20775_t1 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;background:var(--theme-palette-color-8);}.kt-info-box20775_t1.wp-block-kadence-infobox{max-width:100%;}.kt-info-box20775_t1 .kadence-info-box-image-inner-intrisic-container .kadence-info-box-image-intrisic{padding-bottom:90.3333%;width:300px;height:0px;max-width:100%;}.kt-info-box20775_t1 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box20775_t1 .kt-info-svg-icon-flip, .kt-info-box20775_t1 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box20775_t1 .kt-blocks-info-box-media{border-radius:6px;overflow:hidden;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box20775_t1 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:12px;margin-left:0px;}.kt-info-box20775_t1 .kt-infobox-textcontent h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);font-size:18px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:0px;margin-right:0px;margin-bottom:2px;margin-left:0px;}.kt-info-box20775_t1 .kt-blocks-info-box-link-wrap:hover h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);}.kt-info-box20775_t1 .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.wp-block-kadence-infobox.kt-info-box20775_t1 .kt-blocks-info-box-text{font-size:14px;line-height:1.5;}.kt-info-box20775_t1 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.kt-info-box20775_t1 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box20775_t1 .kt-blocks-info-box-link-wrap{box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20775_t1 .kt-blocks-info-box-link-wrap:hover{box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}@media all and (max-width: 1024px){.kt-info-box20775_t1 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}}@media all and (max-width: 1024px){.kt-info-box20775_t1 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}@media all and (max-width: 767px){.kt-info-box20775_t1 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20775_t1 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box20775_t1\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left\" href=\"https:\/\/www.cltweb.org\/pt-br\/biblioteca-de-recursos\/raizes-do-movimento-clt\/do-modelo-ao-movimento\/intercambio-de-ideias\/\" aria-label=\"Cross-Pollination\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic-container\"><div class=\"kadence-info-box-image-intrisic kt-info-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Cross-pollination-1-300x271.jpg\" alt=\"\" width=\"300\" height=\"271\" class=\"kt-info-box-image wp-image-20705\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Cross-pollination-1-300x271.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Cross-pollination-1-1024x924.jpg 1024w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Cross-pollination-1-768x693.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Cross-pollination-1.jpg 1114w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/div><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h3 class=\"kt-blocks-info-box-title\">Interc\u00e2mbio de ideias<\/h3><\/div><\/a><\/div>\n\n\n<style>.kt-info-box20775_t2{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t2{height:auto;align-self:stretch;}.kt-info-box20775_t2 .kt-blocks-info-box-link-wrap{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t2 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box20775_t2 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;background:var(--theme-palette-color-8);padding-top:10px;padding-right:10px;padding-bottom:16px;padding-left:10px;}.kt-info-box20775_t2 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;background:var(--theme-palette-color-8);}.kt-info-box20775_t2.wp-block-kadence-infobox{max-width:100%;}.kt-info-box20775_t2 .kadence-info-box-image-inner-intrisic-container .kadence-info-box-image-intrisic{padding-bottom:113.6364%;width:264px;height:0px;max-width:100%;}.kt-info-box20775_t2 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box20775_t2 .kt-info-svg-icon-flip, .kt-info-box20775_t2 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box20775_t2 .kt-blocks-info-box-media{border-radius:6px;overflow:hidden;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box20775_t2 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:12px;margin-left:0px;}.kt-info-box20775_t2 .kt-infobox-textcontent h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);font-size:18px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:0px;margin-right:0px;margin-bottom:2px;margin-left:0px;}.kt-info-box20775_t2 .kt-blocks-info-box-link-wrap:hover h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);}.kt-info-box20775_t2 .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.wp-block-kadence-infobox.kt-info-box20775_t2 .kt-blocks-info-box-text{font-size:14px;line-height:1.5;}.kt-info-box20775_t2 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.kt-info-box20775_t2 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box20775_t2 .kt-blocks-info-box-link-wrap{box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20775_t2 .kt-blocks-info-box-link-wrap:hover{box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}@media all and (max-width: 1024px){.kt-info-box20775_t2 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}}@media all and (max-width: 1024px){.kt-info-box20775_t2 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}@media all and (max-width: 767px){.kt-info-box20775_t2 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20775_t2 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box20775_t2\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left\" href=\"https:\/\/www.cltweb.org\/pt-br\/biblioteca-de-recursos\/raizes-do-movimento-clt\/do-modelo-ao-movimento\/sacudindo-a-arvore-do-dinheiro\/\" aria-label=\"Shaking the Money Tree\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic-container\"><div class=\"kadence-info-box-image-intrisic kt-info-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-Money-Tree-264x300.jpg\" alt=\"\" width=\"264\" height=\"300\" class=\"kt-info-box-image wp-image-21096\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-Money-Tree-264x300.jpg 264w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-Money-Tree-901x1024.jpg 901w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-Money-Tree-768x873.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-Money-Tree-1352x1536.jpg 1352w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-Money-Tree.jpg 1394w\" sizes=\"auto, (max-width: 264px) 100vw, 264px\" \/><\/div><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h3 class=\"kt-blocks-info-box-title\">Sacudindo a \u00e1rvore do dinheiro<\/h3><\/div><\/a><\/div>\n\n\n<style>.kt-info-box20775_t3{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t3{height:auto;align-self:stretch;}.kt-info-box20775_t3 .kt-blocks-info-box-link-wrap{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t3 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box20775_t3 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;background:var(--theme-palette-color-8);padding-top:10px;padding-right:10px;padding-bottom:16px;padding-left:10px;}.kt-info-box20775_t3 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;background:var(--theme-palette-color-8);}.kt-info-box20775_t3.wp-block-kadence-infobox{max-width:100%;}.kt-info-box20775_t3 .kadence-info-box-image-inner-intrisic-container .kadence-info-box-image-intrisic{padding-bottom:70.6667%;width:300px;height:0px;max-width:100%;}.kt-info-box20775_t3 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box20775_t3 .kt-info-svg-icon-flip, .kt-info-box20775_t3 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box20775_t3 .kt-blocks-info-box-media{border-radius:6px;overflow:hidden;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box20775_t3 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:12px;margin-left:0px;}.kt-info-box20775_t3 .kt-infobox-textcontent h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);font-size:18px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:0px;margin-right:0px;margin-bottom:2px;margin-left:0px;}.kt-info-box20775_t3 .kt-blocks-info-box-link-wrap:hover h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);}.kt-info-box20775_t3 .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.wp-block-kadence-infobox.kt-info-box20775_t3 .kt-blocks-info-box-text{font-size:14px;line-height:1.5;}.kt-info-box20775_t3 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.kt-info-box20775_t3 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box20775_t3 .kt-blocks-info-box-link-wrap{box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20775_t3 .kt-blocks-info-box-link-wrap:hover{box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}@media all and (max-width: 1024px){.kt-info-box20775_t3 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}}@media all and (max-width: 1024px){.kt-info-box20775_t3 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}@media all and (max-width: 767px){.kt-info-box20775_t3 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20775_t3 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box20775_t3\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left\" href=\"https:\/\/www.cltweb.org\/pt-br\/biblioteca-de-recursos\/raizes-do-movimento-clt\/do-modelo-ao-movimento\/a-conexao-com-a-cidade\/\" aria-label=\"The City Connection\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic-container\"><div class=\"kadence-info-box-image-intrisic kt-info-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-City-Connection-300x212.jpg\" alt=\"\" width=\"300\" height=\"212\" class=\"kt-info-box-image wp-image-21108\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-City-Connection-300x212.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-City-Connection-1024x725.jpg 1024w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-City-Connection-768x544.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-City-Connection-1536x1088.jpg 1536w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-City-Connection.jpg 1579w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/div><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h3 class=\"kt-blocks-info-box-title\">A Conex\u00e3o com a Cidade<\/h3><\/div><\/a><\/div>\n\n\n<style>.kt-info-box20775_t4{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t4{height:auto;align-self:stretch;}.kt-info-box20775_t4 .kt-blocks-info-box-link-wrap{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t4 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box20775_t4 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;background:var(--theme-palette-color-8);padding-top:10px;padding-right:10px;padding-bottom:16px;padding-left:10px;}.kt-info-box20775_t4 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;background:var(--theme-palette-color-8);}.kt-info-box20775_t4.wp-block-kadence-infobox{max-width:100%;}.kt-info-box20775_t4 .kadence-info-box-image-inner-intrisic-container .kadence-info-box-image-intrisic{padding-bottom:78.3333%;width:300px;height:0px;max-width:100%;}.kt-info-box20775_t4 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box20775_t4 .kt-info-svg-icon-flip, .kt-info-box20775_t4 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box20775_t4 .kt-blocks-info-box-media{border-radius:6px;overflow:hidden;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box20775_t4 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:12px;margin-left:0px;}.kt-info-box20775_t4 .kt-infobox-textcontent h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);font-size:18px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:0px;margin-right:0px;margin-bottom:2px;margin-left:0px;}.kt-info-box20775_t4 .kt-blocks-info-box-link-wrap:hover h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);}.kt-info-box20775_t4 .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.wp-block-kadence-infobox.kt-info-box20775_t4 .kt-blocks-info-box-text{font-size:14px;line-height:1.5;}.kt-info-box20775_t4 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.kt-info-box20775_t4 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box20775_t4 .kt-blocks-info-box-link-wrap{box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20775_t4 .kt-blocks-info-box-link-wrap:hover{box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}@media all and (max-width: 1024px){.kt-info-box20775_t4 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}}@media all and (max-width: 1024px){.kt-info-box20775_t4 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}@media all and (max-width: 767px){.kt-info-box20775_t4 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20775_t4 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box20775_t4\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left\" href=\"https:\/\/www.cltweb.org\/pt-br\/biblioteca-de-recursos\/raizes-do-movimento-clt\/do-modelo-ao-movimento\/expandindo-os-horizontes\/\" aria-label=\"Branching Out\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic-container\"><div class=\"kadence-info-box-image-intrisic kt-info-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Branching-Out-300x235.jpg\" alt=\"\" width=\"300\" height=\"235\" class=\"kt-info-box-image wp-image-21138\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Branching-Out-300x235.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Branching-Out-1024x802.jpg 1024w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Branching-Out-768x602.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Branching-Out-1536x1204.jpg 1536w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Branching-Out.jpg 1571w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/div><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h3 class=\"kt-blocks-info-box-title\">Expandindo os horizontes<\/h3><\/div><\/a><\/div>\n<\/div>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:32px\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.cltweb.org\/pt-br\/biblioteca-de-recursos\/raizes-do-movimento-clt\/\">De volta \u00e0s origens do movimento CLT<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>O Guia do Jardineiro \u00b7 Parte 4 \u00b7 Cap\u00edtulo 3 de 6 O nicho da aquisi\u00e7\u00e3o de im\u00f3veis pr\u00f3prios Competindo com outras organiza\u00e7\u00f5es por financiamento, terrenos e p\u00fablico, os CLTs [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":21277,"parent":20979,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"","meta":{"give_campaign_id":0,"_tec_requires_first_save":true,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_EventAllDay":false,"_EventTimezone":"","_EventStartDate":"","_EventEndDate":"","_EventStartDateUTC":"","_EventEndDateUTC":"","_EventShowMap":false,"_EventShowMapLink":false,"_EventURL":"","_EventCost":"","_EventCostDescription":"","_EventCurrencySymbol":"","_EventCurrencyCode":"","_EventCurrencyPosition":"","_EventDateTimeSeparator":"","_EventTimeRangeSeparator":"","_EventOrganizerID":[],"_EventVenueID":[],"_OrganizerEmail":"","_OrganizerPhone":"","_OrganizerWebsite":"","_VenueAddress":"","_VenueCity":"","_VenueCountry":"","_VenueProvince":"","_VenueState":"","_VenueZip":"","_VenuePhone":"","_VenueURL":"","_VenueStateProvince":"","_VenueLat":"","_VenueLng":"","_VenueShowMap":false,"_VenueShowMapLink":false,"_tribe_blocks_recurrence_rules":"","_tribe_blocks_recurrence_description":"","_tribe_blocks_recurrence_exclusions":"","footnotes":""},"categories":[],"tags":[],"class_list":["post-21275","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- 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