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Homebuying: a Critical Perspective on Financial Costs and Gains

100%
Soaita A. M., Searle B.
Critical Housing Analysis
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2015
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vol. 2
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issue 1
65-73
EN
In Britain, the shift from the ideology of homeownership into one of homeownership-based welfare has been sustained by homebuyers being regarded as investors. Homeowners are expected to create a synergy between the owned house seen as a space of shelter, place of home and increasingly, an investment vehicle and an object of debt. Drawing on 80 interviews with owner-occupiers and national data on house prices and mortgages, we examine the way in which the meanings of home meanings are negotiated through the subjective calculation of the financial costs and gains of homebuying. We explore homebuyers’ debt amnesia, their miscalculation of gains and their disregard of inflation. However homebuyers’ financially unsophisticated understanding of the asset-home arises less from book-keeping complexities or difficulties in pricing the emotional domain of the home, but rather by them instinctively considering the alternative cost of a rented space of shelter. From this financial perspective and given affordability, homebuying illustrates a misleading ideological notion of choice.
2
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The Role of Housing Assets in Shaping the New Welfare Regime in Transition Countries: The Case of Hungary

100%
Hegedüs J., Szemző H.
Critical Housing Analysis
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2015
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vol. 2
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issue 1
82-90
EN
This paper looks at housing strategy in a wider social and economic context and argues that a household’s (class) position in society depends on important life decisions, one of the most important of which is a person’s employment strategy and preparation for the period of retirement (pensions), which is related to housing decisions. The main context of these decisions is the welfare regime, but also a country’s economic structure (varieties of capitalism) and housing system (tax and subsidy elements of programmes). However, as the paper argues, these systems are also changing in relation to the macro effect of individual decisions.
3
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Using path dependence theory to explain housing regime change : the traps of super-homeownership

100%
Lux M., Sunega P.
Critical Housing Analysis
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2020
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vol. 7
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issue 1
25-35
EN
The goal of this paper is to demonstrate the usefulness of path dependence theory to explain the convergence of housing regimes among post-socialist countries, both at the beginning and in the later phases of housing-regime transformation. We especially seek to show the selected common traps that were recently created by the legacy of giveaway privatisation and the super-homeownership regime, traps that increase intergenerational inequality, which to now has been effectively mitigated by within-family financial transfers.
4
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The diverse economies of housing

88%
Soaita A. M.
Critical Housing Analysis
|
2019
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vol. 6
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issue 1
32-41
EN
This paper questions the uncritical transfer of neoliberal concepts, such as financialisation and overreliance on conceptual dichotomies like formal/informal, as the lenses through which to understand practices of housing provision and consumption in the post-communist space. To this end, it introduces the newly-established ‘diverse economies’ framework, which has been used elsewhere to reveal existing and possible alternatives to advanced capitalism. Applied to the Romanian case, the lens of diverse economic practices helps shed light on the ways in which the current housing system was historically constituted, with implications for how housing consumption is now stratified across some related housing typologies. The paper invites debate on the theoretical usefulness of the diverse economies framework to study housing phenomena, particularly its implications for understanding patterns of inequality and poverty, its potential to devise useful analytical categories, and its effect of directing attention to acts of resistance to neoliberal capitalism.
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