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Consumer-oriented housing policy instruments Seminar in Stockholm, October 20, 2009

Consumer-oriented housing policy instruments Seminar in Stockholm, October 20, 2009. Background Housing ministers meeting in Marseille, November 2008 Swedish presidency autumn 2009 Shift in housing policy Exchange of information and experiences. Participants

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Consumer-oriented housing policy instruments Seminar in Stockholm, October 20, 2009

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  1. Consumer-oriented housing policy instruments Seminar in Stockholm, October 20, 2009

  2. Background • Housing ministers meeting in Marseille, November 2008 • Swedish presidency autumn 2009 • Shift in housing policy • Exchange of information and experiences

  3. Participants • Focal points and concerned civil servants • 12 member states, Croatia and Norway • 8 presentations

  4. Topic (suggested) ” instruments/programmes used to facilitate access to the ordinary housing market, irrespective of tenure, for people/households who, for various reasons, need such help.”

  5. Presentations • Total overview: France, Denmark • Supply instruments: Finland, Czech republic • Consumer oriented: UK (England), Germany, Sweden, Norway

  6. France • Very deliberate policy of combining individual household support and production subsidies. • Includes measures on different levels of decision making, with considerations including regional factors, household economy, household size, etc.

  7. Denmark • Some 20% of all dwellings, 500, 000 flats, in different forms of social housing • Some 950 tenants have been offered to buy their flats. With a cost-free loan covering 30%. 45 flats have been sold.

  8. Finland • With a target of 30,000 dwellings produced per annum, interest subsidies keep production volumes up in economic downturn. The relatively small amount of public money, 0.1% of GDP, seems to have an impact.

  9. Czech republic • Two new programmes to create temporary social housing. • An investment subsidy, € 250/sqm, provided that the building is reserved for social tenants for ten years. • A proposed support to landlords to let social tenants rent for ten years.

  10. Germany • The market situation is balanced! • The number of households receiving housing allowances is reduced, since unemployment support include the cost of housing. • The challenge is to coordinate the support-systems

  11. UK (England) • Promoting home ownership as a goal • The Right to Buy has been very popular • The shared ownership and shared equity programmes have attracted fewer households. • Long experience with different ways of promoting ownership.

  12. Sweden • Two guarantee programmes with very little impact, one for rent and the other for first time buyers. • Neither programme give the individual the initiative.

  13. Norway • Major support to home ownership through tax relief • Local government can support individuals in numerous ways; keep rents at market level and support the individual. • Starter loans, covering some 50% of the cost of the dwelling, are granted to approx. 6,000 individuals per annum. Low interest and guaranteed by the government

  14. Final remarks • Every nation has a fraction of the households who needs support in the housing market. • The way to support them is decided in a context, where taxes, rent control, production subsidies and social housing are intertwined.

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