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Volume 54, January/February 2019, Number 1 · pp. 53-58


Homebuyers, Liquidity Constraints and Private Market Solutions – European Best Practices

Michael Voigtländer

Even though the cost for owner-occupied homes fell sharply in the last years, homeownership rates in the EU remain sluggish. Sound economic policy would promote homeownership especially as rents are on the rise. Policies that facilitate schemes such as equity release options, housing saving plans and crowdlending seem promising. Low and temporary subsidies could jump-start private market solutions in those areas. Enabling many individuals to buy a home is sound, since individually-owned homes are a major driver of individual wealth accumulation. Moreover, higher homeownership rates can encourage growth.


This Intereconomics article is available for free at this page after an embargo period of two years. Reading it before February 2021 is possible via SpringerLink or in the next library.