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Judith Yates - One of the best experts on this subject based on the ideXlab platform.

  • Home Ownership and the Role of Government
    Housing Policy in Australia, 2019
    Co-Authors: Hal Pawson, Vivienne Milligan, Judith Yates
    Abstract:

    Home Ownership has been seen as a core aspiration and value for most, if not all, Australians from European settlement to the present. This chapter begins by examining Australia’s Home Ownership rate in a comparative context. Trends in this rate, changes in government support for Home Ownership and the reasons for emerging concerns about falling rates of Home Ownership, particularly among younger households, are covered next. The question of why Home Ownership has a dominant role in Australia and in countries with similar economic, institutional and cultural backgrounds is then addressed. Whether the support provided to this tenure, especially, the tax/subsidy concessions that accrue to Homeowners, is an appropriate role for government is also considered.

  • Home Ownership and Australia's Housing Finance System
    Urban Policy and Research, 1994
    Co-Authors: Judith Yates
    Abstract:

    This paper points to the significant decline in the Home Ownership rates of younger Australians in the past 25 years. This is attributed to the effects of increased unemployment rates, increased income inequality and increased volatility in financial and asset markets. The paper suggests these changes have created a far riskier environment for funding housing and argues that significant changes will be needed in the form and provision of housing finance to prevent a reduction in the overall Home Ownership rate. Changes are needed in the nature of instruments used to finance housing, in the protection provided for borrowers and in the sources of funds used.

Richard Ronald - One of the best experts on this subject based on the ideXlab platform.

  • beyond Home Ownership housing welfare and society
    Housing and society series, 2012
    Co-Authors: Richard Ronald, Marja Elsinga
    Abstract:

    In context of ongoing transformations in housing markets and socioeconomic conditions, this book focuses on past, current and future roles of Home Ownership in social policies and welfare practices. It considers owner-occupied housing in terms of diverse meanings and manifestations, but in particular the part played by housing tenure in the political, socioeconomic and demographic changes that have characterized the pre- and post-crisis era. The intensified promotion of Home Ownership in recent decades helped stimulate an increasing orientation towards the private consumption of housing, not only as a Home, but also an asset - or possibly speculative vehicle - that enhances household economic capacity and can be transferred to children or other family, or even exchanged for other goods. The latest global financial crisis, however, made it clear that owner-occupied housing markets and mortgage sectors have become deeply embedded in networks of socioeconomic interdependency and risk. This collection engages with numerous debates on housing and society in a range of developed societies from North America to Asia-Pacific to North, South, East and West Europe. Interdisciplinary contributors draw upon diverse empirical data to explore how housing and Home Ownership has become so embedded in polity, economy and household welfare conditions in various social and cultural contexts. Another concern is what lies beyond Home Ownership considering the integration of housing systems with economic growth and social stability appears to be unravelling. This volume speaks to public debates concerning the future of housing markets, policy and tenure, providing deep and provocative insights for academics, students and professionals alike.

  • Home Ownership. Getting in, getting from, getting out. Part III
    2010
    Co-Authors: John Doling, Marja Elsinga, Richard Ronald
    Abstract:

    This book provides an overview of the effects of Home Ownership, a housing sector that has grown rapidly in recent years in many countries, not least because this is normally encouraged by governments. The first part of the subtitle, ‘Getting in’, refers to processes in the development of the HomeOwnership stock including problems of access, which in turn implies issues of affordability, the viability of financial institutions and subsidies. ‘Getting from’ indicates that this form of housing tenure may provide households with advantages such as wealth accumulation and independence that may not be available to tenants. Finally, the last section ‘getting out’ refers to the risks associated with Home Ownership such as the fact that their tenure positions may be founded on their ability to meet loan repayments. This publication is a follow-up to Home Ownership: Getting in, getting form and getting out, parts I and II, and is a result of the conference ‘Building on Home Ownership; housing policies and social strategies’ in Delft, organized by the ENHR working group Home Ownership & Globalisation and hosted by OTB Research Institute for Housing, Urban and Mobility Studies, Delft University of Technology. Part III provides an overview of the most recent research results in this field.

  • Home Ownership: getting in, getting out getting from, Part III
    2010
    Co-Authors: John Doling, Marja Elsinga, Richard Ronald
    Abstract:

    This book provides an overview of the effects of Home Ownership, a housing sector that has grown rapidly in recent years in many countries, not least because this is normally encouraged by governments. The first part of the subtitle, ‘Getting in’, refers to processes in the development of the HomeOwnership stock including problems of access, which in turn implies issues of affordability, the viability of financial institutions and subsidies. ‘Getting from’ indicates that this form of housing tenure may provide households with advantages such as wealth accumulation and independence that may not be available to tenants. Finally, the last section ‘getting out’ refers to the risks associated with Home Ownership such as the fact that their tenure positions may be founded on their ability to meet loan repayments. This publication is a follow-up to Home Ownership: Getting in, getting form and getting out, parts I and II, and is a result of the conference ‘Building on Home Ownership; housing policies and social strategies’ in Delft, organized by the ENHR working group Home Ownership & Globalisation and hosted by OTB Research Institute for Housing, Urban and Mobility Studies, Delft University of Technology. Part III provides an overview of the most recent research results in this field.

  • Unravelling Home Ownership Ideology
    The Ideology of Home Ownership, 2008
    Co-Authors: Richard Ronald
    Abstract:

    Home Ownership has long been considered in terms of its ideological significance. This association arguably originates in the late nineteenth century with Engels who suggested that individual Home Ownership leads to the embourgeoisement of the working class and diminishes autonomy in the political sphere. Indeed, there is considerable evidence, as I shall identify in the course of this book, to suggest that states and political groups have historically recognized the significance of promoting working-class Home Ownership as a means to promote an individualist ethos and resist the growth of collectivist forms of social organization. Much of the debate on the socio-political salience of Home Ownership until the 1990s focused on tenure relations in these terms.

  • Housing and the Rise of Home Ownership
    The Ideology of Home Ownership, 2008
    Co-Authors: Richard Ronald
    Abstract:

    It is impossible to deny how dominant Home Ownership has become across advanced societies in recent decades. Anglo-Saxon societies like Britain and the United States have, arguably, been most strongly associated with preferences for Home Ownership and rapid increases in house-prices, although post-war growth of Home Ownership has also been exceptional in countries like Japan, Australia, Spain, Singapore and Norway, among many others. There have even been market transformations across societies like the Netherlands and Sweden that, 30 or so years ago, had majority rental sectors and strong public housing policies. The advancement of Home Ownership has been largely considered ‘natural’, or at least has been constituted as natural in public and academic discourses. However, overall owner-occupied tenure levels have principally increased in most societies during specific periods of deep government subsidy and policy stimulation.

Sonia Bertolini - One of the best experts on this subject based on the ideXlab platform.

  • Young people and Home Ownership in Europe
    International Journal of Housing Policy, 2016
    Co-Authors: Marianna Filandri, Sonia Bertolini
    Abstract:

    The paper investigates Home Ownership amongst young people in Europe. Studies which compare experiences across European countries on this topic are very scarce. Using European Survey on Income and Living Conditions data, this paper conducts a multilevel analysis in 28 European countries, aiming to provide further insights about young people's Home Ownership considering both macro and micro factors known to influence levels of Home Ownership. Based upon an analysis of key literature, the paper focuses on the influence of the housing system, labour market, and welfare state in each country, and on the social class of origin of the individual. The analyses show the relevance of socio-economic family background: young adults from the middle class are more likely to live in Homes they own, compared to those from the lower and higher classes. Beyond individual characteristics, social policy has substantial influence on the tenure status of young adults. Most notably, this paper concludes that there is a negative correlation between the welfare generosity of the state and levels of Home Ownership, supporting the idea of the house as a safe haven and emphasising the importance of the social class of origin, especially in those countries where family is traditionally seen as the social safety net.

Yosuke Hirayama - One of the best experts on this subject based on the ideXlab platform.

  • The financialisation of the social project: Embedded liberalism, neoliberalism and Home Ownership:
    Urban Studies, 2014
    Co-Authors: Ray Forrest, Yosuke Hirayama
    Abstract:

    This paper argues that the relentless logic of commodification has served to undermine a key element of the social cement of contemporary capitalism: Home Ownership. In addressing this issue, the paper explores the development of the post war ‘social project’ of Home Ownership with particular reference to mature Home Ownership societies such as the USA, Japan, Britain and Australia. The paper then outlines the new fault lines and fractures which have emerged in post-crisis Home Ownership systems and the way in which a more vigorous, financialised private landlordism has emerged from the debris of the subprime meltdown. A key argument is that in a new and more intensified process of housing commodification, the social project promise of Home Ownership for a previous generation has shifted to a promise of private landlordism for current generations. In summary, the social project of Keynesian-embedded liberalism has been undermined by the economic project of neoliberalism.

  • The role of Home Ownership in Japan’s aged society
    Journal of Housing and the Built Environment, 2010
    Co-Authors: Yosuke Hirayama
    Abstract:

    In postwar Japan, a housing system focused upon promoting residential-property Ownership has been embedded in the wider context of providing welfare. However, Japan’s Home-Ownership-oriented society has been progressively challenged by growing inequalities both between and within generations, and aggravated by intensive societal aging. Since the 1990s, a more volatile and uncertain economy has made it more difficult for younger cohorts to access Home Ownership, which has undermined traditional mechanisms for maintaining the ‘Home-owning society’. Within older cohorts, economic conditions relating to Home Ownership have become noticeably differentiated, leading to considerable stratification among elderly people. While residential-property Ownership has been a cornerstone of Japan’s welfare system, it has also driven an aggravation of socioeconomic inequalities. The focus of this paper is the assessment of sustainability of the Home-Ownership-based welfare approach in Japan with particular reference to inter- and intra-generational inequalities. Empirical evidence was obtained by re-calculating the micro-data from the National Survey of Family Income and Expenditure as well as other statistical sources.

  • Home Ownership and Economic Change in Japan
    The Journal of Comparative Asian Development, 2003
    Co-Authors: Yosuke Hirayama
    Abstract:

    Abstract The housing system in post-war Japan formed a structure to link economic growth, an increase in middle-class families and the expansion of Home Ownership. However, since the 1980s, the stability of Home Ownership has weakened. The rise and fall of the bubble economy, an increasingly volatile economy and an amplified fragmentation of society undermined the traditional conditions of the post-war housing system. Over the past decade, a prolonged recession and a sharp decline in house prices has been experienced. The 1990s has been called the “lost decade” in Japan. The nature of Home Ownership has started to change under the fast moving conditions. From the immediate post-war period to the 1970s, the housing system was associated with a clear social direction. Housing construction accelerated economic development. people climbed up the housing ladder and the middle-classes accumulated assets through their own housing. In contrast, since the beginning of the “lost decade”, Homeowners have been suffer...

Lijie Gao - One of the best experts on this subject based on the ideXlab platform.

  • chinese housing reform and social sustainability evidence from post reform Home Ownership
    Sustainability, 2016
    Co-Authors: Lishan Xiao, Quanyi Qiu, Lijie Gao
    Abstract:

    Since 1978, China has undergone an institutional reform, from a welfare-oriented housing allocation system to a market-oriented one. But with high housing prices, affordability is a major obstacle to Home Ownership for Chinese citizens. Now, the government has started to change the goal of housing policy from present economic benefits to sustainable housing, so future generations will have a decent place to live. Housing is an important indicator for social stratification, and Home Ownership, which is an important component of social sustainability in the Chinese context, is influenced by multiple factors that vary across countries. Although China has a long tradition of Home Ownership, there is a lack of comprehensive research on post-reform housing inequality. By undertaking a large-scale field study in the city of Xiamen, our research explored to what extent Home Ownership varies across socio-economic classes, and improves understanding of the reasons behind Home Ownership inequality. It was discovered that people have a variety of resources from which housing can be obtained, and that commercial housing served as the primary housing source, although, due to path dependence, public housing still comprises an important source of housing, as well as self-built houses. A structural equation model (SEM) was used to further explore the driving forces of Home Ownership inequality. The model indicated that hukou (household registration) status has the strongest effect on Home Ownership, followed by education, with family income and occupation as less important factors. Along with income and education, Home Ownership has a direct effect on people’s perception of their own socio-economic status (SES). A probability model of Home Ownership was developed, based on logistic regression. Local families with higher levels of income and education with at least one member working in a publicly owned organization had a higher probability of Home Ownership. Lastly, since 1999, housing reform in Xiamen has tended to increase social stratification, with negative economic and social consequences. Therefore, policies should pay more attention to the welfare of renters and integrating the migration process into urban planning.