1,720,958 research outputs found
Een duurzaam thuis: Over waarden in wonen
No full textNederlandse volkshuisvesting draagt van oudsher bij aan een ’waardevolle‘ samenleving. Volkshuisvesting had oorspronkelijk als doel te voorzien in een gezonde woonsituatie voor iedereen en bij te dragen aan een maatschappij waarin kwetsbare groepen middenin de samenleving leven. Dit streven kon lange tijd op breed politiek draagvlak rekenen. Met de introductie van marktwerking in de woonsector kwamen woningcorporaties en hun bijzondere positie tussen markt en overheid onder een vergrootglas te liggen. Het op economische efficiëntie gerichte denken kon niet uit de voetenmet deze vreemde organisaties die niet gericht zijn op winst maar op waarden. In plaats van de waarden expliciet te maken, werd geprobeerd onderscheid te maken tussen de op winst gerichte activiteiten van woningcorporaties en de activiteiten die het algemeen belang dienden. Dit artikel gaat in op de waarden in wonen die nu te vaak impliciet blijven, zoals rechtvaardigheid en duurzaamheid, en voorheen werden aangeduid met het begrip volkshuisvesting.Green Open Access added to TU Delft Institutional Repository 'You share, we take care!' - Taverne project https://www.openaccess.nl/en/you-share-we-take-care Otherwise as indicated in the copyright section: the publisher is the copyright holder of this work and the author uses the Dutch legislation to make this work public.Housing Institutions & Governanc
A Review of "Housing wealth and welfare", By Caroline Dewilde and Richard Ronald
No full textBook review: Housing wealth and welfare, By Caroline Dewilde and Richard Ronald, Cheltenham, Edward Elgar Publishing, 2017, ISBN 978 78536 095 4.This is a very interesting edited volume comprising an introduction chapter reflecting on so-called housing asset-based welfare and nine chapters written by a nice selection of authors. It is a more than worthwhile joint effort of two excellent ERC laurates who have both been working on the topic for years which is demonstrated in the very comprehensive overview of the state of the art in housing wealth and welfare. They explain different models across time and across Europe: some models are more familialised, relying on family capital, while others are more financialised, relying on mortgages. The introduction is followed by a multi-angle, multi-country collection of well-written chapters. And last but not least, there is an epilogue by John Doling, ‘the father’ of housing asset-based welfare.Green Open Access added to TU Delft Institutional Repository 'You share, we take care!' - Taverne project https://www.openaccess.nl/en/you-share-we-take-care Otherwise as indicated in the copyright section: the publisher is the copyright holder of this work and the author uses the Dutch legislation to make this work public.OLD Housing System
Housing wealth in retirement strategies: Towards understanding and new hypotheses
No full textWhat is the current role of housing wealth in household retirement strategies across the European Union member states? And could this role be extended? This question is often raised by researchers and policymakers, since governments search for ways to cut pensions expenditure in response to ageing populations and the global financial crisis. Housing wealth could potentially be part of a solution as the retired are often rich in terms of housing wealth. The existing theory shows that owner-occupation can be regarded as a form of pension: once the mortgage has been repaid, housing expenses are substantially lower and also housing wealth can be cashed in either by selling or using equity release schemes. However, converting housing assets into cash appears a much less common strategy than expected. This thesis contributes to the existing knowledge by relating household strategies to broader national contexts. The countries included in the study are Belgium, Finland, Germany, Hungary, Portugal, Slovenia, Sweden and United Kingdom, while the Netherlands is the subject of particular attention. The study suggests that owner-occupation will become more relevant in the near future when pension systems become less generous. At the same time it shows that owner-occupation is not the clear-cut solution that governments might have hoped for. Generally, European households appear averse against cashing in housing wealth: they distrust complex financial products and their providers. Moreover, in some countries it would seriously undermine family solidarity; and households who are most likely to need extra pension income are least likely to be owner-occupiers. Additionally, an ageing society has a negative effect on the affordability of a pension system, yet at the same time it has an impact on housing markets. Shrinking populations typically coincide with decreasing house prices and hence reduce the options of cashing in housing wealth.Housing SystemsOTB Research Institute for the Built Environmen
Eigen-woningbezit onder lage-inkomensgroepen: Achtergronden en consequenties
No full textOTB Research Institute for the Built Environmen
De ontwikkeling van het eigen-woningbezit onder lage-inkomensgroepen; theoretisch, internationaal en historisch perspectief
No full textOTB Research Institute for the Built Environmen
About Housing Systems and Underlying Ideologies
No full textThis contribution is a reflection on the critical analysis of Mark Stephens of the theoretical work on housing systems by Jim Kemeny. It concludes that the analysis of Stephens is a great incentive to continue the debate on housing and welfare started by Kemeny. The core of the review is that Stephens focusses on the so-called maturation of social rental housing as a replacement of government subsidies: can non-profit housing compete with commercial housing under smart conditions for social sustainability? Stephens is right that this maturation thesis does not hold and he provides convincing evidence for this. However, Stephens contribution neglects an important part of Kemeny’s work: the link between housing and more in particular the role of home ownership in welfare states. Here is work to be done! This contribution concludes with emphasizing the link between housing and welfare systems and its underlying ideologies. Rules of the games such as laws for social rental housing are important, but even more important than laws are day to day beliefs among citizens and professionals of what is right and wrong in housing practice. In other words it needs further research to explore the role of housing in practice of populism and COVID19. How do underlying housing ideologies play a role in current practice and how do and can they change policies and practices in housing in different continents?.Housing Institutions & Governanc
Verzilveren van overwaarde, om te voorzien in de eigen zorgbehoefte
No full textZorgkosten zullen volgens het nieuwe overheidsbeleid steeds vaker door ouderen zelf betaalt moeten gaan worden. Het eigen vermogen van ouderen zal in de toekomst dus steeds vaker aangesproken worden om in hun zorgbehoefte te kunnen voorzien. Maar woning-eigenaren hebben vaak een (groot) deel van hun vermogen opgeslagen in hun woning. Voor huishoudens met een laag inkomen en een laag eigen vermogen kan het benutten van de overwaarde uit de woning dienen om de zorgkosten te kunnen financieren. Zeker voor deze groep is het van belang dat de markt voor verzilveringsproducten op gang kom. Maar ook voor andere woning-eigenaren kan het vrij maken van de overwaarde uit de woning zeer gewenst zijn. De kosten voor woningaanpassingen en zorg aan huis kunnen namelijk hoog oplopen. Bestaande verzilveringsproducten zijn tot nu toe nog weinig succesvol geweest in Nederland, investeerders en consumenten ondervinden vaak nog te veel belemmeringen bij de bestaande verzilveringsproducten. Om te zorgen dat nieuwe verzilveringsproducten voldoen aan de voorwaarden van de consument zijn deze voorwaarden in kaart gebracht in dit rapport. De resultaten kunnen gebruikt worden om producten te ontwikkelen die beter aansluiten op de voorwaarden en wensen van de consument, wanneer de vraag naar verzilveringsproducten zal toenemen. Hiervoor zijn concrete aanbevelingen gedaan voor de belanghebbende partijen.Housing Policy, Management & SustainabilityManagement in the Built EnvironmentArchitecture and The Built Environmen
Living in Assets Without Limits: Towards New Principles for Policies on Housing
No full textPiketty (2014 Piketty, T. 2014. Capital in the Twenty-First Century. Cambridge, MA: Belknap Press of Harvard University.10.4159/9780674369542[CrossRef], [Google Scholar]) wrote a thought provoking book on capital, how it evolved over the decades and the role of housing in it. Maclennan and Miao (2016 Maclennan, Duncan, and Julie Miao. 2017. “Capital, Housing and Inequality in the 21th Century.” Housing Theory and Society.[PubMed], [Google Scholar]) further elaborate on the work of Piketty and the role of housing, and on possible implications for housing policy. There is a whole range of literature demonstrating that housing more and more changed from a roof over the head into a key asset for households, and a key element in “asset based welfare” policies. The liberalization of financial markets improved access to home ownership and with that to the possibility to build housing equity. For many decades, in many countries encouraging home ownership was the key priority in housing policy and this priority was accompanied by the “dream of home ownership as an equaliser” in societies. However, the dream of the housing markets and home ownership as equalizer and a solution for welfare states is far from reality. Maclennan and Miao (2017 Maclennan, Duncan, and Julie Miao. 2017. “Capital, Housing and Inequality in the 21th Century.” Housing Theory and Society.[PubMed], [Google Scholar]) therefore, conclude that it is time for a new “political economy for housing policy”.<br clear="none"/><br clear="none"/>This contribution reflects on the paper “Capital, housing and inequality in the 21st century” of Maclennan and Miao, and with that explores new principles for policies on housing. It advocates more emphasis on the roof over the head part of housing in housing policy and for tax policies to deal with intergenerational social equality including housing equity.OLD Housing System
The Janus Face of Homeownership-based Welfare
No full textThis paper reflects on the different faces of asset-based welfare from both a theoretical and an empirical perspective. It shows that asset-based welfare can be perceived as a lever for welfare state restructuring but also as an instrument for poverty eradication. In most countries, asset-based welfare policies focus on stimulating home-ownership. The general idea is that by becoming a homeowner, households build up equity that can be released for care and pension purposes in old age. However, there are signs that such policies increase inequality between homeowners (depending on the location of the dwelling and/or the period in which it was bought), but particularly so between homeowners and tenants. We therefore contend that home-ownership based welfare policies need a clear and fundamental specification of the role of the government: how to deal with housing market risks and how to prevent politically unacceptable levels of inequality and exclusion?OTBArchitecture and The Built Environmen
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