From Housing Bubble to Repossessions: Spain Compared to Other West European Countries

被引:47
|
作者
Cano Fuentes, Gala [1 ]
Etxezarreta Etxarri, Aitziber [2 ]
Dol, Kees [3 ]
Hoekstra, Joris [3 ]
机构
[1] Univ Murcia, Murcia, Spain
[2] Univ Basque Country, E-48080 Bilbao, Spain
[3] Delft Univ Technol, Fac Architecture & Built Environm, OTB Res Inst Built Environm, Delft, Netherlands
关键词
Mortgage arrears; repossessions; comparative housing research; Spain;
D O I
10.1080/02673037.2013.818622
中图分类号
X [环境科学、安全科学];
学科分类号
08 ; 0830 ;
摘要
After a real estate boom the housing market took a dramatic turn in Spain, where repossessions and evictions are now a big social problem. Hundreds of thousands have lost their home since 2008 and many more are at risk. This paper provides a qualitative analysis of the Spanish experience and puts it into a comparative West European perspective. The risk of repossession was found to have six dimensions: the employment situation, the social protection schemes, the structure of the housing and housing finance markets, the lending practices, the house price development and the effectiveness of policies to prevent repossession. Spain scores' badly on all six dimensions, which explain the large number of repossessions. Only recently, and under strong societal pressure, has the Spanish government developed policies to tackle this problem.
引用
收藏
页码:1197 / 1217
页数:21
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