Many Europeans struggle to find affordable housing. The issue is especially bad in many urban areas, where 70% of the EU's population lives. Lack of affordable housing impairs the quality of life for many people. Long commutes reduce quality for life and increase carbon emissions for people travelling by car. Lack of high-quality housing increases the social divide, causing public health problems, poor public safety, lack of workers in central locations, inefficient labour markets and other issues. Almost half of all European residential buildings were constructed pre-1970 when energy consumption in materials, standards and techniques was not considered. The European Commission found that 75% of buildings and housing need to be made more energy-efficient to meet climate goals.
Zumtobel Group, an Austrian lighting company is researching more efficient lighting and light management to use lighting systems only when needed. In 2019, the European Investment Bank approved loans to broaden the company's research into connecting lighting to digital services. In both Sweden and Poland, there is a dramatically increasing demand for affordable housing in mid-size cities. Sweden is building thousands of affordable rental homes with near-zero energy use and the highest efficiency standards, the European Investment Bank approved a nearly €300 million loan in September 2019 to support this work. In the Polish city of Poznań, many residents do not qualify for city-supported affordable housing due to their high incomes but are unable to buy a home in the regular market because of low credit rating. The city and a local housing company began a project for these residents to build more than 1 000 flats that also have a kindergarten, day-care centre, a playground and parking spaces for people with disabilities. The European Investment Bank provided a €34 million loan for this project.
In 2015, more than 4 out of every 10 persons (42.0%) in the EU-28 lived in flats, close to one quarter (24.1%) in semi-detached
houses and one third (33.3%) in detached houses. The proportion of people living in flats was highest, among the EU Member States, in Spain (65.9%), Latvia (65.0%) and Estonia (62.6%), while the highest proportions of people living in semi-detached houses were reported in the Netherlands, the United Kingdom (both 59.9%) and Ireland (51.6%); these were the only Member States where more than half of the population lived in a semi-detached house. The share of people living in detached houses peaked in Croatia (73.4%), Slovenia (65.1%), Hungary (62.1%) and Romania (60.1%); Serbia (66.1%) and Norway (61.2%) also reported that more than 6 out of every 10 persons in of their population were living in detached houses.
Germany provides several business tax incentives for local government in housing development. These incentives are designed to attract investors and promote the construction of affordable social housing in urban areas. Some of them are: [1] [2]
Data as of 2007 except: Switzerland where the data is from 2009 and "detached houses" data, which is from 2018.
Since 2010, the percentage of those living in detached houses across the EU 27 has remained stable, with the percentage of those living in detached houses remaining in the range of 34.5% to 35.8%. The only region of Europe with a distinctive trend is
the Nordic countries, where the percentage of those living in detached houses is in steady decline. The percentage of those living in detached houses in Norway, Denmark, Sweden, and Iceland, fell from 63%, 59%, 48%, and 36% to 58%, 54%, 44%, and 32% respectively. The only Nordic country resistant to this trend is Finland, where the percentage of those living in detached houses has remained stable in the 47.6% to 46.1% range.
In the period of 2010 to 2018, the country in the EU 27 with the greatest percent decrease in those living in detached houses was Luxembourg, with a decrease from 43.3% to 34.7%. The greatest percentage increase was to Romania, where the percentage of those living in detached houses increased from 60.8% to 65.2%.
country | detached houses | semi-detached or terraced houses | flats | owning | renting | free accommodation |
---|---|---|---|---|---|---|
EU-28 (2015) average | 33.3% | 24.1% | 42% | 69.4% | 19.7% | 10.9% |
Belgium | 36% | 39% | 25% | 67% | 31% | 2% |
Czech Republic | 39% | 10% | 56% | 72% | 24% | 4% |
Denmark | 53% | 15% | 38% | 58% | 42% | - |
Germany | 26% | 13% | 62% | 46% | 52% | 3% |
Estonia | 34% | 4% | 69% | 83% | 8% | 10% |
Ireland | 40% | 55% | 4% | 77% | 21% | 1% |
Greece | 32% | 10% | 55% | 73% | 21% | 6% |
Spain | 13% | 19% | 66% | 83% | 11% | 7% |
France | 42% | 20% | 41% | 58% | 38% | 4% |
Italy | 23% | 19% | 53% | 72% | 19% | 10% |
Cyprus | 44% | 29% | 25% | 66% | 13% | 20% |
Latvia | 31% | 5% | 72% | 84% | 13% | 4% |
Lithuania | 35% | 9% | 59% | 89% | 3% | 7% |
Luxembourg | 35% | 30% | 33% | 71% | 26% | 3% |
Hungary | 65% | 8% | 35% | 87% | 7% | 6% |
Malta | 5% | 49% | 46% | 77% | 21% | 3% |
Netherlands | 17% | 55% | 26% | 56% | 43% | - |
Austria | 45% | 12% | 48% | 52% | 41% | 7% |
Poland | 50% | 5% | 55% | 58% | 38% | 4% |
Portugal | 37% | 23% | 38% | 73% | 19% | 9% |
Romania | 65% | 3% | 41% | 96% | 2% | 2% |
Slovenia | 66% | 4% | 31% | 80% | 8% | 12% |
Slovakia | 50% | 2% | 53% | 89% | 10% | 2% |
Finland | 46% | 19% | 43% | 67% | 32% | 1% |
Sweden | 44% | 7% | 51% | 62% | 38% | - |
United Kingdom | 24% | 59% | 18% | 71% | 27% | 1% |
Iceland | 32% | 15% | 51% | 83% | 16% | 2% |
Norway | 58% | 19% | 11% | 78% | 20% | 3% |
Switzerland (2009) | 25% | 14% | 58% | 37% [3] | 60% | - |
Lack of affordable housing impairs the quality of life for many people. Long commutes reduce quality for life and increase carbon emissions for people travelling by car. it also increases the social divide, causing public health problems, poor public safety, lack of workers in central locations, inefficient labour markets and other issues. [4] [5]
In Europe, there is also a significant shortage of investment in social housing and a pressing need to renovate existing units. Annual investment in housing is predicted at €57 billion for new building and energy-efficiency modifications. The projections do not include the refugee situation caused by the war in Ukraine. [6]
In both Sweden and Poland, there is a dramatically increasing demand for affordable housing in mid-size cities. Sweden is
building thousands of affordable rental homes with near-zero energy use and the highest efficiency standards, the European Investment Bank approved a nearly €300 million loan in September 2019 to support this work. In the Polish city of Poznań, many residents do not qualify for city-supported affordable housing due to their high incomes but are unable to buy a home in the regular market because of low credit rating. The city and a local housing company began a project for these residents to build more than 1,000 flats that also have a kindergarten, day-care centre, a playground and parking spaces for people with disabilities. The European Investment Bank provided a €34 million loan for this project. [7]
In Tallinn, a recently established network of 19 European communities are aiming to raise the standard of living for their population while lessening their environmental footprint. The city is receiving a €100 million loan as support from the European Investment Bank, in order to upgrade public spaces, schools, social housing and energy efficient measures. [8] [9]
In 2022, Polish bank BGK will get a €133 million loan to help fund social and affordable homes across the country. The project is set to produce 5,000 new and 500 restored housing units across Poland, with the majority located in cohesion regions. [8] [10]
The EIB also took part in a €120 million public-private partnership agreement to create over 500 affordable housing units in Ireland. [11] [12]
There is a shortage of energy-efficient homes in Europe, the issue is especially bad in many urban areas, where 70% of the EU's population lives. Almost half of all European residential buildings were constructed pre-1970, when energy consumption in materials, standards and techniques was not considered. The European Commission found that 75% of buildings and housing need to be made more energy efficient to meet climate goals. [4]
Public housing is a form of housing tenure in which the property is usually owned by a government authority, either central or local. Although the common goal of public housing is to provide affordable housing, the details, terminology, definitions of poverty, and other criteria for allocation vary within different contexts. Within the OECD, social housing represents an average of 7% of national housing stock (2020), ranging from ~34% in the Netherlands to less than 1% in Colombia.
A housing estate is a group of homes and other buildings built together as a single development. The exact form may vary from country to country.
Real estate economics is the application of economic techniques to real estate markets. It tries to describe, explain, and predict patterns of prices, supply, and demand. The closely related field of housing economics is narrower in scope, concentrating on residential real estate markets, while the research on real estate trends focuses on the business and structural changes affecting the industry. Both draw on partial equilibrium analysis, urban economics, spatial economics, basic and extensive research, surveys, and finance.
Canada Mortgage and Housing Corporation is Canada's federal crown corporation responsible for administering the National Housing Act, with the mandate to improve housing by living conditions in the country.
Suburbanization (AE), or suburbanisation (BE), is a population shift from historic core cities or rural areas into suburbs, resulting in the formation of (sub)urban sprawl. As a consequence of the movement of households and businesses away from city centers, low-density, peripheral urban areas grow.
Energy policy are the government's strategies and decisions regarding the production, distribution, and consumption of energy within a specific jurisdiction.The decisions regarding energy policy will affect how high the greenhouse gas emissions by that country are. Energy policy is closely related to climate change mitigation policies because the energy sector emits more greenhouse gas worldwide than any other sector. The attributes of energy policy include legislation, international treaties, guidelines for energy conservation, energy subsidies and other public policy techniques.
Affordable housing is housing which is deemed affordable to those with a household income at or below the median as rated by the national government or a local government by a recognized housing affordability index. Most of the literature on affordable housing refers to mortgages and a number of forms that exist along a continuum – from emergency homeless shelters, to transitional housing, to non-market rental, to formal and informal rental, indigenous housing, and ending with affordable home ownership.
The term "sustainable communities" has various definitions, but in essence refers to communities planned, built, or modified to promote sustainable living. Sustainable communities tend to focus on environmental and economic sustainability, urban infrastructure, social equity, and municipal government. The term is sometimes used synonymously with "green cities," "eco-communities," "livable cities" and "sustainable cities."
The energy policy of the European Union focuses on energy security, sustainability, and integrating the energy markets of member states. An increasingly important part of it is climate policy. A key energy policy adopted in 2009 is the 20/20/20 objectives, binding for all EU Member States. The target involved increasing the share of renewable energy in its final energy use to 20%, reduce greenhouse gases by 20% and increase energy efficiency by 20%. After this target was met, new targets for 2030 were set at a 55% reduction of greenhouse gas emissions by 2030 as part of the European Green Deal. After the Russian invasion of Ukraine, the EU's energy policy turned more towards energy security in their REPowerEU policy package, which boosts both renewable deployment and fossil fuel infrastructure for alternative suppliers.
Efficient energy use, or energy efficiency, is the process of reducing the amount of energy required to provide products and services. There are many technologies and methods available that are more energy efficient than conventional systems. For example, insulating a building allows it to use less heating and cooling energy while still maintaining a comfortable temperature. Another method is to remove energy subsidies that promote high energy consumption and inefficient energy use. Improved energy efficiency in buildings, industrial processes and transportation could reduce the world's energy needs in 2050 by one third.
On 26 November 2008, the European Commission proposed a European stimulus plan amounting to 200 billion euros to cope with the effects of the global financial crisis on the economies of the members countries. It aims at limiting the economic slowdown of the economies through national economic policies, with measures extended over a period of two years.
The Building and Construction Improvement Program(BACIP) is a program of the Aga Khan Planning and Building Service, Pakistan (AKPBS,P) that is engaged in developing and promoting solutions to housing and built environment-related issues of rural communities living in Gilgit-Baltistan and the province of Sindh.
The 2009 energy efficiency and renewable energy research investment was a part of the American Recovery and Reinvestment Act of 2009 and it increased federal funds in renewable energy. The package included $50 billion in spending and $20 billion in tax provisions. The research within the investment also increased; as a result $8.8 billion went into renewable energy research. The investment also included a boost for "green buildings". Federal buildings received $4.5 billion in renovations; public housing was also granted $4 billion in renovations. An additional $250 million was made out to energy-efficient affordable housing, in part by installing insulation. Environment America, an organization of state-based, environmental advocacy organizations, reviewed the final bill and stated there was $32.80 billion in funding for clean energy projects, $26.86 billion for energy efficiency initiatives and $18.95 billion for green transportation, totaling $78.61 billion just for "green" projects.
Green affordable housing is reasonably priced housing that incorporates sustainable features. The phenomenon has become increasingly common in all over the world as climate change and the cost of housing become alarming issues. For example, the United States adopted state and local policies that favor or require green building practices for publicly owned or funded buildings. Potential benefits of green affordable housing include lower energy cost burden and improved health. One challenge to green affordable housing is the tendency to prioritize short-term costs over long-term benefits, leading to higher upfront cost. The challenge for green housing advocates is to see to the life cycle cost of the building. Many affordable housing projects already find it a challenge to raise capital to finance basic affordable housing. This challenge is compounded by the phenomenon of urban greening and environmental gentrification, which can drive up housing prices and becomes a challenge for green affordable housing. Green affordable housing has taken form in traditionally wooden homes, green homes and most recently with 'upcycling' shipping containers.
Affordable housing in Canada is living spaces that are deemed financially accessible to those with a median household income in Canada. The property ladder continuum of affordable housing in Canada includes market, non-market, and government-subsidized housing.
The Baltic states' housing bubble was an economic bubble involving major cities in Estonia, Latvia and Lithuania. The three Baltic countries had enjoyed a relatively strong economic growth between 2000 and 2006, and the real estate sectors had performed well since 2000. In fact, in between 2005Q1 and 2007Q1, the official house price index for Estonia, Latvia and Lithuania recorded a sharp jump of 104.6%, 134.3% and 106.7%. By comparison, the official house price index for Euro Area increased by 11.8% for a similar time period.
Public plans for energy efficient refurbishment are put in place by states to encourage building owners to renovate their properties in a way that increases their energy performance. As financing represents the most important obstacle to this type of renovation, the plans favour financial incentives in the form of loans or grants. Various institutions can be involved in the process, such as ministries, banks, firms, or energy services companies (ESCOs).
Housing in the United Kingdom represents the largest non-financial asset class in the UK; its overall net value passed the £5 trillion mark in 2014. Housing includes modern and traditional styles. About 30% of homes are owned outright by their occupants, and a further 40% are owner-occupied on a mortgage. About 18% are social housing of some kind, and the remaining 12% are privately rented.
Affordable housing is housing that is deemed affordable to those with a median household income as rated by the national government or a local government by a recognized housing affordability index. A general rule is no more than 30% of gross monthly income should be spent on housing, to be considered affordable as the challenges of promoting affordable housing varies by location.
Mexico City has massively been expanding its urban fabric and population density, becoming the fifth largest city in the world. A combination of neoliberal policies, complex geographic location, socio-economic disparities and inefficient strategies have influenced the process of gentrification en la city. The combination of numerous megaprojects and inefficient city-planning strategies have led to dysfunctions in circulation, community allocation and equal access to resources. In consequence, middle and low-income communities have been directly or indirectly alienated and challenged to adapt to a complex and evolving urban environment.
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