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Housing Financialisation and Families

Housing and Asset Based Stratification in the Enrichment Economy

Housing and Asset Based Stratification in the Enrichment Economy

This paper explores the ways in which housing wealth is producing new forms of differentiation among households. In doing so, it will argue that ‘asset based welfare’ is now better conceived as ‘asset based social stratification’ and that social class rather than generation remains the primary social divide. However, these class divides are increasingly shaped by the differential ability to accumulate and deploy primarily housing -based assets. These new forms of social (re) stratification will vary societally, temporally and spatially and are currently most evident in what can be described as older, mature home ownership societies. But similar developments and emerging fissures can be observed in newer, ultra home -ownership societies such as China and in the broader interconnections between the mobilization of family assets and the shift from consumer to market societies.

9.12.2018 | Ray Forrest | Volume: 5 | Issue: 2 | Pages: 4-13 | 10.13060/23362839.2018.5.2.438
Housing Financialisation and Families

‘Generation Rent’ and Intergenerational Relations in The Era of Housing Financialisation

‘Generation Rent’ and Intergenerational Relations in The Era of Housing Financialisation

Home ownership has been in decline in a number of developed societies since the early-2000s driven, primarily, by declining entry among younger households who have been increasingly pushed into the rental sector. This trend has been associated with a growing intergenerational divide, or even conflict, and the emergence of ‘Generation Rent’. This paper explores the conditions surrounding diminishing access to owner-occupation among new households with a focus on the historic maturation of home ownership sectors, the restructuring of the political economy around financialized housing wealth and the inter-cohort dynamics surrounding the accumulation and transfer of housing wealth. The paper takes an international perspective drawing on evidence from two parallel, but contrasting cases: Japan and the UK. The analysis illustrates the interrelatedness of inter- and intra-generational inequalities, with the former reinforcing the latter. It also focuses on the role of families as both a moderator of generational inequity at the micro level as well as an enhancer of socioeconomic inequalities overall.

8.12.2018 | Richard Ronald | Volume: 5 | Issue: 2 | Pages: 14-26 | 10.13060/23362839.2018.5.2.439

Delivering Social Housing: An Overview of the Housing Crisis in Dublin

Delivering Social Housing: An Overview of the Housing Crisis in Dublin

This paper explores the responses to the housing crisis in Dublin, Ireland, by analysing recent housing policies promoted to prevent family homelessness. I argue that private rental market subsides have played an increasing role in the provision of social housing in Ireland. Instead of policies that facilitate the construction of affordable housing or the direct construction of social housing, current housing policies have addressed the social housing crisis by encouraging and relying excessively on the private market to deliver housing. The housing crisis has challenged governments to increase the social housing supply, but the implementation of a larger plan to deliver social housing has not been effective, as is evidenced by the rapid decline of both private and social housing supply and the increasing number of homeless people in Dublin.

30.6.2018 | Valesca Lima | Volume: 5 | Issue: 1 | Pages: 1-11 | 10.13060/23362839.2018.5.1.402
Social Housing after the GFC: New Trends across Europe

Social Housing in Germany: An Inevitably Shrinking Sector?

Social Housing in Germany: An Inevitably Shrinking Sector?The role of the social housing sector as part of the German housing system has changed fundamentally since 1950. Social housing in Germany followed a number of common trends and features to be observed in most countries in Europe: delegation to local government, a narrow focus on fragile populations and a reduction in the proportion of social housing. The specific reasons for this are discussed as relating to the German background. Against a background of more and more tense housing markets the paper argues for a revitalization of social housing in Germany without repeating the old mistakes.
23.6.2017 | Stefan Kofner | Volume: 4 | Issue: 1 | Pages: 61-71 | 10.13060/23362839.2017.4.1.325
Social Housing after the GFC: New Trends across Europe

More Social Housing? A Critical Analysis on Social Housing Provision in Spain

More Social Housing? A Critical Analysis on Social Housing Provision in SpainSince the 1950s Spain has developed a set of policies aimed at stimulating ownership through subsidies mainly in the form of interest rates or mortgage quotas to developers and households neglecting other forms of housing provision, for instance social rent. That system provided one off benefit to the developer and/or the purchaser and could not be reused to help other households. The financial crisis in 2008 evidenced the weakness of the Spanish housing system in providing affordable and secure shelter by means other than homeownership. The existent housing provision system failed to avoid the large number of evictions while simultaneously banks became owners of a large amount of empty dwellings. To some extent, the severity of the situation exerted considerable political pressure to devise a new framework for action to alleviate the housing problem in Spain. In this paper based on the post -crisis evidence we argue the need to reformulate approaches to provide adequate and affordable housing for certain collectives in Spain
17.6.2017 | Montserrat Pareja-Eastaway, Teresa Sánchez-Martínez | Volume: 4 | Issue: 1 | Pages: 124-131 | 10.13060/23362839.2017.4.1.331

Reference Housing Costs for Adequate Dwellings in Ten European Capitals

Reference Housing Costs for Adequate Dwellings in Ten European Capitals

Providing adequate housing at affordable prices remains a challenge for all welfare states. As part of a pilot project for developing a common methodology for reference budgets in the European Union, reference rents and other housing costs (energy, taxes, maintenance) corresponding to adequate dwellings for four hypothetical households living in nine capital regions of the EU were estimated. In this paper, we discuss the approach that we have taken. Quality criteria for adequate housing were derived from EU indicators of housing deprivation, and the recent UK Housing Standards Review. We used data from the Study of Income and Living Conditions (EU-SILC) of 2012. Unsurprisingly, the estimates of reference rents vary strongly across capitals, reflecting cross-national differences in the level of the average rent. By contrast, other housing costs, which mainly reflect energy costs, vary much less.

29.6.2016 | Karel Van den Bosch, Tim Goedemé, Nathalie Schuerman, Bérénice Storms | Volume: 3 | Issue: 1 | Pages: 1-9 | 10.13060/23362839.2016.2.1.248
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