Housing Affordability - Science topic

Forest product downstreaming through wooden housing: A solution to the housing deficit for Gen Z?

The construction and housing sectors are cyclical sectors, i.e. the economic situation in these sectors, including the level of investment, is usually strongly correlated with the economic situation in the economy as a whole. When central banks raise interest rates, loans on offer from commercial banks become more expensive, including investment loans taken out with banks by developers building housing estates and mortgages with which citizens buy property. In view of the fact that in many countries bank loans have been increasing in price for several months or more, so the scale of new investments in the construction sector has declined strongly. On the other hand, when the economy is in crisis, many sectors are in decline then unemployment rises, incomes, consumption and investment fall. In view of the above, the activation of the construction of houses and flats within the framework of housing policy, which is an important segment of socio-economic policy, can also be an important factor in the anti-crisis measures of the government during the economic downturn. In such a situation, the activation of investment processes for the construction of houses and housing estates can be an important factor in limiting the scale of the development of an economic downturn and economic crisis. Efficient stimulation of the housing construction market within the framework of housing policy, which is an important segment of counter-cyclical, anti-crisis, Keynsian, developmental, investment-oriented socio-economic policy, can be one of the key determinants of a significant increase in the economy's resilience to economic crises. Periods of economic decline occur every few years as part of business cycles and large, trans-national financial and economic crises occur every dozen or more years. In addition to such crises, the scale of a kind of new crisis is growing, which will also influence the development of economic processes in the future. The development of technology, civilisation, consumption of raw materials in manufacturing processes, the level of environmental pollution, deforestation, the extinction of many species of flora and fauna, the decline in the biodiversity of natural ecosystems, greenhouse gas emissions, etc., have all significantly accelerated since the mid-20th century. The result of the increase in civilisational greenhouse gas emissions since the mid-20th century is an accelerating process of global warming, the increasing scale of the negative effects of this process year after year, and the growing risk and scale of a global climate-ecological catastrophe, which may already occur at the end of this 21st century. Therefore, economic policy should be transformed into a green transformation policy for the economy and, within the framework of a Keynsian, development-oriented, investment-oriented, green socio-economic policy, one of the key segments of which would be the activation of green transformation investments in the construction sector and the development of sustainable low-energy, zero-energy and low-carbon construction. The green transformation process in the building sector on the one hand on carrying out thermal modernisation of existing buildings and replacing heat and electricity sources with renewable and zero-carbon energy sources. On the other hand, the development of sustainable low-energy, zero-energy and low-carbon buildings is based on the construction of new houses, housing estates, industrial buildings, public institutions, office buildings and others, taking into account the application of new green building technologies, energy efficiency standards, supply of energy exclusively from renewable and emission-free energy sources and adherence to the principles of closed-loop economics.

In view of the above, I address the following question to the esteemed community of scientists and researchers:

And what is your opinion on this?

What do you think about this subject?

Please respond,

I invite you all to discuss,

Thank you very much,

The following articles are related to the above issues in some respects:

FAMILY 500 PLUS PROGRAMMES AND FLAT PLUS WITH KEY INSTRUMENTS FOR PRIVATE SOCIAL POLICY IN POLAND

NATIONAL HOUSING PROGRAM OF THE MAIN STRATEGIC AND PROGRAM DOCUMENT FOR THE CURRENT STATE RESIDENTIAL POLICY OF THE STATE

I invite you to collaborate with me on research projects.

Best regards,

Dariusz Prokopowicz

In many countries, specific housing programmes have been designed and implemented or attempted to be implemented with varying results, which consisted of activating and subsidising, within the framework of government financial support programmes, investments in the construction of flats, housing estates, houses, etc. The aim of such programmes is primarily to reduce the scale of the housing gap in society by increasing the number of flats and residential houses in the country, increasing to a large extent the availability of housing for citizens, including young people starting families. Besides, in connection with the fact that the construction sector is one of the key cyclical sectors in the economy, so among the key objectives of introducing such programmes within the framework of the government's housing policy is also the activation of economic processes through the creation of an additional economic growth activator, which can also be an important anti-crisis factor in the economy during the forecasted and ongoing economic downturn caused, for example, by international factors, the global economic crisis affecting the open economy. Unfortunately, not all such housing policies have worked effectively. For example, in the country where I operate such a housing policy programme, whose official strategic goal was to counteract the high housing deficit in the country in the face of social needs, was to be the Housing Plus Programme, the implementation of which was started by the PIS government from 2016, i.e. immediately after winning the parliamentary elections. This programme, alongside the social programme Family 500 Plus, was one of the key election slogans before the parliamentary elections held in autumn 2015, which the organised PIS political group won and thanks to which the PIS government, which has been in power for almost 8 years, was formed. Unfortunately, despite the passage of two parliamentary terms and the governments in power, the housing programme announced in the 2015 election campaign has not been implemented on the announced scale. In view of the above, the social and housing current goals of the Housing Plus Programme have only been realised by a few per cent relative to the original plan, the strategic goal of significantly reducing the housing deficit gap has not been realised. In fact, only the political objective of this housing policy programme, i.e. winning the parliamentary elections in 2015 and the local elections held in the following years, has been fully realised.

In view of the above, I address the following question to the esteemed community of researchers and scientists:

And what is your opinion on this?

What is your opinion on this subject?

Please respond,

I invite you all to discuss,

Thank you very much,

The following articles are related to some aspects of the above issues:

NATIONAL HOUSING PROGRAMME OF THE MAIN STRATEGIC AND PROGRAMME DOCUMENT FOR THE CURRENT STATE RESIDENTIAL POLICY OF THE STATE

THE HOUSING PLUS PROGRAMME AS A KEY FACTOR IN SOCIAL AND ECONOMIC POLICY AND IN IMPROVING THE HOUSING SITUATION IN POLAND

The Housing Plus Programme as an important factor in housing policy reform and economic growth in the public sector in Poland

I invite you to collaborate with me on this research.

Best regards,

Dariusz Prokopowicz

Inflation is rising. Central banks are raising interest rates in an attempt to curb rising inflation. Credit is becoming more expensive. Sales of loans offered by commercial banks are falling. Also, the amount of housing loans, mortgages, for construction investments is falling rapidly in 2022 against 2021. As a result, the activity of economic processes is falling, the economy is deteriorating, the amount of new investments is falling, and unemployment may start to rise in the following months and quarters. Perhaps at the end of 2022 or in 2023, many countries will see a deep economic downturn, a recession of the economy, perhaps also stagflation. The construction sector, on the other hand, is classified as a cyclical sector in economies. Therefore, in order to limit the downturn and reduce the scale of future recession, the government, as part of its anti-crisis economic policy, should support the development of the construction sector.

Support programmes for new construction investments should be developed. Perhaps new financial support programmes for the purchase of housing could help in this regard?

If so, how should anti-crisis construction support programmes be structured?

What are the anti-crisis housing support programmes?

What is your opinion on this subject?

Please respond,

I invite you all to discuss,

Thank you very much,

Best regards,

Dariusz Prokopowicz

I am working on topic of Low Income Housing and want to study how the Speculation plays role in housing and real estate sector. If anyone has relevant literature or data regarding the above mentioned topic, which he/she can share with me. It would be really great.

Any ideas and suggestions would be helpful.

I require some reliable information

I am doing a literature review on the broad number of issues related to informal settlements and illegal construction in the Global North. I would be grateful for your recommendations on country case studies (including city case studies) in North America (USA, Canada), EU 28 (all countries), East and South East Europe (non EU), Central Asia (Incl. Russian Federation, Ukraine, Moldova, Azerbaijan, Tajikistan, Armenia, Georgia, Kazakhstan, Uzbekistan, Kyrgyzstan, etc.), pan-national and international comparisons, challenges identified, lessons learned.  

Knowing the fact that younger generations are facing troubles in gaining access to housing, I am curious to find out if there is any contemporary research about the factors that are shaping housing aspirations and expectations of this group of users?

The construction industry and its activities have an important role to play in socio-economic development and quality of life. This is stated in the Agenda 21 for sustainable construction in Developing Countries (CIB/UNEP-IETC, 2002). The United Nations Habitat Agenda (1996) has also addressed the construction sector has a major role to play in terms of sustainable development and achieving adequate and affordable shelter.

My question:

Is affordability considered as a goal in the sustainable development & sustainable construction process? or is it that sustainable development & sustainable construction process wishes to achieve affordability?

Is this an effective endeavour in terms of lifecycle cost, or is passive design too relevant to the particular context to design a generic model ?

How can the Housing Finance System (social housing) influence the issue of housing deficit, specially in third world major cities?

Looking at relocating low income individuals/families as the intervention, instead of revitilizing low income neighborhoods where they reside.

So far there are very few examples of social housing designed with energy efficiency criteria in Latin America. Is that due to the very low cost and the lower standards? What do you think?

It is logical to assume that the more 'livable' an area (suburb) is - in terms of available infrastructure, transportation, health schools, etc - the more likely it is to be in high demand as a place of residence and in turn increases the price in that area. Are there any other aspects that could add to this or actually have a negative impact on a suburb with the perfect criteria - such as high density, suburbanisation, demographic profile?

Trying to connect peer - shared housing models ( cohousing in specific ) with the sub - protective model currently present in Serbia. Can anyone suggest papers or relevant material in this field?

Housing for the urban poor has been recognized as a means of economic and social empowerment.

Am trying to connect 'brain drain' issue, a great number of young people ( 25-30 years old) upon graduation, still living with their parents and lack of state provided housing solution for this particular group(s). Any world famous projects, case studies dealing with this issue?

Prefabrication: is it a low cost sustainable solution or not?

I am interested in the implementation process & benefits of natural building, so anything from accessibility and affordability of materials to the internal health benefits for occupiers.

Housing programs in developing countries are believe to be unsustainable in terms of cost effectiveness and delivery. Do you see any work-around to bring affordable housing to the masses?

Throughout the literature on housing there is a potential confusion over the applicability of the terms social housing and affordable housing. In absolute terms affordability is relative to all housing, while social housing is specific to housing accessible to those least able to fund themselves. Affordable Housing is applied to either or both with little discrimination. What is the community's view on how affordable housing should be delineated?