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The housing tenure structure has long been associated with different forms of welfare state capitalism in Western Europe. However, with the rise of owner-occupancy, this association has not been so straightforward. An alternative view is to view housing policies that promote owner-occupancy for households to acquire assets, as an attempt by the state to reform social welfare systems. The politics of welfare reform are related to the discourses of homeownership ideology. The ownership of (housing) assets agenda serves as a means to change the relationship between state, market and individual households. This view is mostly based on the British experience and this paper seeks to broaden it by examining the Netherlands and Spain. The paper shows differences, but also that housing policies play an important role in driving towards or maintaining market-dominated solutions. Housing is used to either reorient towards or maintain a welfare system where asset ownership and market dependency is deemed more appropriate than secure income and public expenditure. [ABSTRACT FROM AUTHOR]

This paper establishes a simple affordability model that implicitly incorporates the major Dutch market features to elucidate long-run house prices under a regulatory environment. The results reveal a long-run relationship for house prices under strict regulations. The association among house prices, income, interest rates, and inflation is verified using an aggregated dataset. In the long-run, incomes and interest rates function as the two prime forces driving price dynamics, whereas the role of inflation is limited. [ABSTRACT FROM AUTHOR]

Reforming the system of financial instruments on the housing market is a recurring issue. This paper constructs a model explaining household behaviour, in particular the effects of prices and income on the tenure choice and the level of housing consumption. It analyses the effects that may be expected of fundamental changes of financial policy instruments in the Netherlands: (1) a conversion of below market rents to market rent levels; (2) a switch from the current fiscal system for owner-occupiers to a general lump sum tax reduction; and (3) a combination of these measures. The results indicate that the initial disadvantageous effects on the housing costs are large, but the behavioural response of households and the expected changes of price levels considerably reduce or even eliminate longrun effects. Since the effects may be substantial for individual households, a well-considered transition path, as is done in other countries, should be used. [ABSTRACT FROM AUTHOR]

Current housing finance systems are mostly a poor reflection of the government's policy priorities. This paper explains how the current Dutch housing finance system works, and analyses its weaknesses against the backdrop of a well-functioning housing market and national policy goals. It specifically looks at recent proposals and some building blocks for future housing finance reform in the Netherlands. The paper ends with conclusions on the potential relevance of the analysis for other European countries. [ABSTRACT FROM AUTHOR]

Amsterdam's housing market is dominated by the social-rented sector. It comprises 56 per cent of the total housing stock, while home ownership comprises only 19 per cent, lower than anywhere else in the Netherlands, and among the lowest in the world. Central government policy is currently seeking to increase the share of home ownership in the Netherlands from 53 per cent (2001) to 65 per cent in 2010. This paper will summarise recent national and local (Amsterdam) housing policy developments, focusing on the recent practice of selling social housing in Amsterdam. Unlike the Right to Buy scheme in Britain, the Netherlands employs an 'offer to buy' strategy. Sales, however, have been disappointing so far. Two factors were found to be crucial in this regard: (1) the sluggish change in 'policy mentality' and bureaucracy and (2) the high prices in the home ownership market. By way of conclusion, the paper reflects on the desirability of shifting the tenure structure from tenancy to ownership and on the risks that an (over-) emphasis on home ownership may bring. [ABSTRACT FROM AUTHOR]

This paper examines how personal income taxation has changed across countries and whether and how this has affected the taxation of owner-occupied dwellings. It presents a partial analysis as it focuses on imputed rent taxation and the mortgage interest deduction. Furthermore, the paper places housing taxation in a wider context by describing different benchmarks which could be used to assess the taxation of owner-occupied housing in different types of personal income tax. These international and theoretical points-of-departure are used to evaluate the taxation of owner-occupied housing in the Netherlands. The paper concludes that all along political arguments have conquered theoretical premises to the advantage of the owner occupier in comparison to the private landlord. It also concludes that the theoretical base in 2001 has become so weak that owner-occupied housing is in an exceptional position in comparison with other private wealth thus becoming an easy victim for future tax savings. [ABSTRACT FROM AUTHOR]

Segregation is a central concept in both academic and policy debates on urban issues. It has been argued that the process of globalisation results in increased social polarisation and subsequently sharper spatial segregation. Indeed, many politicians express a fear of rising segregation, envisioning the emergence of 'ghettos' or as it is called in the Netherlands 'income neighbourhoods'. In order to prevent concentrations of poverty from forming, a new area-based policy was formulated which aimed to restructure the urban housing market at the neighbourhood level and mix low-quality with high-quality houses. Such a concern with social mix has become common in a number of developed countries. In this regard the analysis has a wide relevance. This paper explores these ideas both by discussing the theoretical framework underpinning the policy, and by examining empirical support for it. Since the policy of housing-quality mixing is still in the first phase of implementation, relevant longitudinal data is not yet available. As a consequence our evaluation addresses present poverty concentrations and housing stock (mix) characteristics in the city of Amsterdam. By comparing neighbourhoods that already have a 'mixed' housing stock to homogeneous neighbourhoods, it has been possible to see whether mixing really does correspond to significantly lower poverty rates. It turns out that the empirical facts are quite different from the expected results: mixing does not in fact reduce poverty. It is concluded that the policy lacks an empirical basis. Housing-mix policy requires substantial budgets, while the goal of reducing poverty cannot be reached. As an alternative, we suggest that poverty is a personal characteristic and that it is therefore preferable to approach poverty directly instead of hoping for the results of a dubious 'neighbourhood effect'. [ABSTRACT FROM AUTHOR]

Homeownership is influenced by resources, household context and characteristics of the family of origin. Using the Netherlands Kinship Panel Study, this paper investigates this influence and to what extent it differs between men and women in couples and between single men and women. The results for couples show that the earning potential of the male partner, indicated by the level of education, is much more important to housing tenure than the earning potential of the female partner, whereas the impact of the current income is similar for both sexes. Single women are less likely to be homeowners than single men. Moreover, the earning potential has a greater effect on homeownership for single men than for single women. Some evidence is also found for a greater effect of the father's socio-economic status on women's than on men's homeownership. [ABSTRACT FROM AUTHOR]

This paper investigates to what extent the value of housing is transmitted from one generation to the next. Using the Social Statistical dataBase (SSB) for the Netherlands in 2003 and OLS regression analysis, it is found that the value of the parents' home is an important predictor of housing value. Even after controlling for the fact that parents and children might operate in the same housing market, and parental characteristics such as income, age and household status, strong similarities are found between the value of the parents' home and that of their adult children. Finally, it is concluded that parental housing value is a robust measure of the parents' socio-economic status because it reflects the parents' complete socio-economic histories. [ABSTRACT FROM AUTHOR]

Residents and non-residents are likely to think differently about a neighbourhood's reputation. Relatively little is known about the similarities and differences between these internal and external types of neighbourhood reputation or the relationship between reputations and 'real' or 'objective' neighbourhood characteristics. This paper addresses two points: first, the extent to which neighbourhood reputations differ between and within groups; second, the extent to which these neighbourhood reputations are associated with measured neighbourhood characteristics. Data from a specially designed survey carried out in 24 neighbourhoods in Utrecht, the fourth largest city in the Netherlands, are used. Analysis of the data showed that neighbourhood reputations are rated higher by residents and estate agents than by other city residents. Within the group of other city residents, differences were found in how neighbourhood reputations are rated by socio-economic status, ethnicity and educational background. Further, it was found that neighbourhood reputations are correlated with measured social characteristics of the neighbourhood, while physical and functional neighbourhood characteristics are of less importance. [ABSTRACT FROM AUTHOR]

There is a wide interest in the effects of forced relocation in the context of urban restructuring. This interest is also inspired by debates on gentrification and displacement. The prevailing idea is that the lowest income groups particularly suffer from displacement in terms of their housing quality and increased rents. In addition, increasing proportions of forced movers are assumed to harm the housing opportunities of other house seekers, while competing within the social rented sector. Although several studies deal with the consequences of forced relocation, a broader perspective on housing chances is currently lacking. Moreover, most studies are qualitative, whereas a larger-scale quantitative analysis is needed to test assumptions mentioned above. This paper addresses these matters by analysing housing allocation data of the Haaglanden in the Netherlands and two cross-sectional surveys among forced movers in the region's central city, The Hague. Findings indicate that housing chances for both forced and regular house seekers have not declined substantially since 2000. Moreover, most forced movers experienced dwelling progress, partly thanks to the design of the housing allocation model. However, low-educated, as well as middle- and higher-income households less often report dwelling progress. Explanations for these findings are provided. [ABSTRACT FROM AUTHOR]

This contribution explores the relationship between housing policy, which is the responsibility of national governments, and competition policy, including the decision on the legitimacy of state support, which is the responsibility of the European Commission (EC). The paper paints a general picture of EU policy on competition and state support and describes the Dutch social housing system. Attention then turns to the recent intervention by the European Commission in the governance of Dutch social housing and it is asked whether the factors that prompted the intervention exist in other EU member states as well. The analysis shows that this is indeed the case. It is concluded that the intervention of the EC in the Netherlands could become a precedent for other European countries, particularly for those countries that opt against a residualised social rented sector and for a competitive role of social housing providers on the housing market. [ABSTRACT FROM AUTHOR]

This paper examines income-related housing support in Britain and the Netherlands. It considers the main issues that are at stake in current policy discussions, compares the arguments that are put forward in the two countries and draw conclusions about the future of income-related housing support. In both Britain and the Netherlands political discussions about the possible introduction of housing vouchers are observed. The most complicated issues are the poverty trap and unemployment trap, and housing consumption incentives. Moral hazard concerns can result in complicated anti-fraud measures that may add to the burden of administering income-related support. It is expected that the way in which income-related housing support schemes in both countries are designed and administered may come under closer scrutiny. Politicians want these schemes to be in tune with the need for labour and housing market mobility, wage flexibility, and the need to bring the public budget under control. [ABSTRACT FROM AUTHOR]

During the 1990s a large majority of the social rented sector managers in the Netherlands shifted towards an advert model of allocation in place of a waiting list system. This paper focuses on the consumer's response to this new letting mechanism. Three case studies were conducted, geared to evaluate consumers' appreciation and understanding of the advert model. Various additional local, regional or national evaluations are used to put the findings from the case studies in perspective. Generally, the public appreciates the advert model more than the distribution system. However, insufficient understanding of the complex do-it-yourself allocation system affects appreciation of the system and access to vacancies both negatively. On average, people on low income and ethnic minority members (overlapping groups) were more prone to lack of understanding and were less successful applicants as a result. Moreover, the allocation mechanism has not changed differences in resources and bargaining power and its effects on the outcome of the allocation process. [ABSTRACT FROM AUTHOR]

In the Netherlands, the housing conditions of most ethnic minorities are still inferior to those of the native Dutch. The focus of the paper is the housing careers of Turks and Moroccans in the city of Utrecht. Despite some improvements and certain exceptions, they still find themselves in housing conditions inferior to those of the native Dutch. A career approach is necessary to explain these less favourable housing conditions because the present situation cannot be seen separately from decisions taken earlier. Some of these decisions are taken in the field of housing, but it is argued here that decisions taken on the labour market and with respect to the household itself are of major importance. It is also argued that the ethnic cultural approach, which stresses the housing preferences of minority ethnic groups, does not adequately explain the housing conditions and housing careers of the Turks and Moroccans in the Netherlands. [ABSTRACT FROM AUTHOR]

This contribution gives some reflections on the Netherlands' New Housing Memorandum 2000-2010, which was published on 15 May 2000. This Housing Memorandum urges the housing corporations (the social housing organisations which own 37 per cent of the housing stock) to sell 500 000 dwellings in 10 years. This seems to confirm Harloe's assertion that social housing in Europe is only a transitional tenure. Even in the Netherlands-champion of social rented housing within the European Union-the owner occupied sector would seem destined to marginalise the social rented sector in the long run. This paper argues that the housing corporations, being private, independent social entrepreneurs, will be only partially inclined to take the political message of the Housing Memorandum to heart. It is expected that the Dutch social rented sector will remain a differentiated sector and continue to blossom alongside home ownership. Harloe's theory will, in short, not be confirmed by the housing developments in the Netherlands. [ABSTRACT FROM AUTHOR]

Given that insecure leases impact negatively on ontological security and subjective well-being, and given increasing pressure on European housing markets, more insight into insecure leases is timely. In this article, we assess the occurrence of temporary leases in the city of Amsterdam in 2015, and explore the characteristics of the tenants. We employ hitherto underused local survey data (N = 17,803). Although permanent contracts are still dominant, the majority of young adults aged 18–23 are renters with a temporary lease. Students, those with a Western migration background, those who moved because their previous rental contract was terminated or because the previous dwelling was too expensive, and those who moved from abroad were particularly likely to have a temporary lease. Families were unlikely to have a temporary lease. Given recent developments – in 2016 temporary leases were legally established as a regular tenure in the Netherlands – the number of temporary leases may increase sharply from the reported baseline of 2015. [ABSTRACT FROM AUTHOR]

Housing became more expensive in the Netherlands between 2002 and 2006, a trend which has been demonstrated using various measures of affordability. The expenditure-to-income ratios calculated for households confirm that the average cost of housing rose for tenants and homeowners, as well as for most income groups generally. This contribution analyses the development of various components of household expenditure which contributed to these higher ratios. One of the most important considerations here is the fact that average household disposable incomes either fell (tenants) or remained stable (homeowners) during the four-year period under review. This leads to the question of whether these increasing income differences between renting and owning can be attributed to the business cycle alone, or whether they are part of a longer-term trend that will eventually result in a rental sector that provides housing for those on lower incomes. The findings suggest that a longer-term or structural widening of the income gap between renting and owning may indeed be taking place. [ABSTRACT FROM AUTHOR]

The distinction between dual rental systems and unitary rental markets is refined and developed. In particular, unitary rental markets are defined as markets in which barriers to non-profit providers competing on the rental market are removed, reserving the term ‘integrated rental markets’ for markets in which non-profit providers are sufficiently developed to be able to compete without the need for invasive regulation. The study also develops the distinction made in previous work between markets in which non-profit providers influence, lead and dominate the market. Case studies are then presented: Switzerland, where non-profit renting is weakly influencing, Sweden where it is leading, and the Netherlands where it is dominating. It is concluded that while in both the Netherlands and Sweden there is evidence of continual deregulation consistent with a tendency from unitary to integrated markets, there is no evidence of consistent change in that direction and even signs of some retrograde changes. [ABSTRACT FROM AUTHOR]

In most Western countries, home owners are much less likely to change residence than renters. In the last few decades, the rise in home ownership in the Netherlands has been spectacular. This would imply that the population has become less mobile, which has consequences for the functioning of the housing market--at least, if the relationship between home ownership and residential mobility has not changed. This research addresses the question of whether the effect of home ownership on the probability of residential mobility has changed over the last few decades and if so, how. Using data from the 1981-98 Netherlands Housing Demand surveys and logistic regression models, it is found that the difference between home owners and renters in residential mobility has changed over time. The results indicate a decrease in the effect of home ownership with an interruption in 1984-85. This finding might indicate stability in the effect of home ownership, except for periods of booms or busts on the housing market. [ABSTRACT FROM AUTHOR]