Dutch Pensions and Housing: Towards a Social Divide

Haffner, M 2018, 'Dutch Pensions and Housing: Towards a Social Divide' in Martina Eckardt, Jörg Dötsch and Stefan Okruch (ed.) Old-Age Provision and Homeownership - Fiscal Incentives and Other Public Policy Options, Springer, Cham, Switzerland, pp. 83-106.


Document type: Book Chapter
Collection: Book Chapters

Title Dutch Pensions and Housing: Towards a Social Divide
Author(s) Haffner, M
Year 2018
Title of book Old-Age Provision and Homeownership - Fiscal Incentives and Other Public Policy Options
Publisher Springer
Place of publication Cham, Switzerland
Editor(s) Martina Eckardt, Jörg Dötsch and Stefan Okruch
Start page 83
End page 106
Subjects Housing Markets, Development, Management
Summary Dutch pension and housing markets occupy a unique position in the European Union. Historically, they have a universal rather than a selective bedrock. In a situation where most jobs were permanent, the pension system produced adequate retirement income across the (working) population. While income levels were irrelevant for the allocation of social housing, access to mortgage finance was relatively widely spread as witnessed by the skyrocketing mortgage debt and a number 1 or 2 position in the ranking of mortgage debt as share of GDP across Europe. The future promises putting more responsibilities on the shoulders of the citizens, making access to pensions more risky and access to homeownership more difficult, especially for those with a lower income.
Copyright notice © Springer International Publishing AG, part of Springer Nature 2018
ISBN 9783319752105
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