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Open Access Ongelijk woonvermogen: hoe de stimulering van het eigenwoningbezit uitpakt in Nederland, Duitsland en Zweden

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Homeownership rates have increased in the Netherlands since the 1980s. An extensive mortgage interest tax deduction scheme and a reregulation of the mortgage- and credit market indulged low- and middle-class households to move into this tenure. Cross-country comparisons have shown that housing policies influence which social groups reside in homeownership. Surprisingly, it is never researched whether this enables different social classes to accumulate housing wealth. This becomes ever more relevant, since wealth inequality has become one of the central challenges of our time. After all, housing wealth is the largest source of wealth for most households. This article focuses on housing wealth inequality between social classes in the Netherlands, Germany and Sweden. On the basis of the first and the fifth wave of the SHARE (Survey of Health, Aging and Retirement in Europe) (2004/2013), it is investigated which dimensions play a role in the realization of housing wealth inequality among households (aged 50+) in three countries with a different housing regime and a different price development on the housing market. The results suggest that an expansion of homeownership can result in a relatively equal housing wealth distribution when the construction of owned homes is stimulated in a non-financialized way. A financialized expansion of homeownership leaves more room for housing wealth inequalities between social classes to arise.
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Keywords: ongelijkheid; sociale klasse; verzorgingsstaat; woonbeleid; woonvermogen

Document Type: Research Article

Publication date: October 1, 2015

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  • Sociologie publiceert over actuele maatschappelijke vraagstukken en sociologisch-theoretische onderwerpen. De artikelen en essays zijn interessant voor een breed, interdisciplinair publiek. Naast onderzoeksartikelen, onderzoeksnotities en boekbesprekingen biedt Sociologie met de rubrieken Debat en Inspiratie een podium voor gedachtewisseling en sociologische verbeelding. Sociologie is het resultaat van het samengaan van de gerenommeerde tijdschriften Sociologische Gids en Amsterdams Sociologisch Tijdschrift en bestrijkt een breed terrein van de sociologiebeoefening in Nederland.

    Sociology (Sociologie) publishes articles on current social issues and sociological-theoretical subjects. The articles and essays are interesting for a wide interdisciplinary audience. In addition to research articles, research notes and book reviews Sociology provides a platform for exchange of views with the sections Debate and Inspiration. Sociology is the result of the merging of the prestigious journals Sociologische Gids and Amsterdams Sociologisch Tijdschrift and covers a wide field of sociology in the Netherlands.

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