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Untitled Document
Housing Finance

Created in 1990

Coordinators

Andreja Cirman
Faculty of Economics
University of Ljubljana
Ljubljana, Slovenia
andreja.cirman@ef.uni-lj.si
Michael Voigtländer
Institut der Deutschen Wirtshaft Köln
Cologne, Germany
voigtlaender@iwkoeln.de
 

Central theme of the Working Group

  • To initiate and stimulate research in housing finance: mortgage systems, mortgage loan types, debt, developer finance, risk management; regulation and government involvement;
  • To support the publication of research analyses and findings;
  • To ensure an effective network among researchers; and
  • To support the dissemination of knowledge about housing finance, mortgage systems, policy change and market development.

Numbers of people involved
There are over 100 people on the working group e-mail list, a large proportion of whom are active both in contributing to seminars and conferences and taking part in monitoring activities.

Plans for the Working Group
We plan a joint workshop with the European Mortgage Federation in spring 2017 in Brussels We expect to run a workshop in Tirana in September 2017.

Activities in 2017
On 30th and 31st of March European Mortgage Federation hosted a joint EMF-ENHR Seminar in Brussels with the title Housing Finance - Future Challenges. In two days 11 researchers presented their papers. In the joint session with EMF major challenges in the field of housing finance were overviewed and special attention was given to issues such as interest only loans, migrations and housing demand, the role of private renting and to the first time buyers. In September we once again held a successful workshop at the 2017 ENHR International Conference held in Tirana. There were four session with 12 papers and interesting discussions following the presentations. The working group will continue to make regular contributions to the debates on housing finance and regulation as well as on the impact of subsidy changes on the capacity to meet housing objectives.

Plans for the Working Group
Housing finance group of the ENHR is planning a workshop from 15 March to 16 March 2018 in Cologne. We expect to run a workshop in Uppsala (Sweden) at the ENHR conference in June 2018.

Policy Implications
The analysis of how housing finance systems have developed over the last twenty five years -and especially since the financial crisis is both an evaluation of national and international policy since the deregulations of the 1980s and provides an indication of how the implementation of regulatory and other changes will impact on national housing markets and individual households’ aspirations.
The working group will continue to make regular contributions to the debates on privatisation and regulation as well as on the impact of subsidy changes on the capacity to meet housing objectives.