Chapter

Paying for housing

David Clapham

in The meaning of housing

Published by Policy Press

Published in print July 2005 | ISBN: 9781861346384
Published online March 2012 | e-ISBN: 9781447303893 | DOI: http://dx.doi.org/10.1332/policypress/9781861346384.003.0005
Paying for housing

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This chapter examines the ways in which households pay for their housing. It highlights the lack of understanding on how and why households choose to spend very different amounts on housing. The chapter also examines the institutional structures involved in the finance of housing and government subsidies, and their impacts. Particular focus is given to the structures of financing of owner occupation and the way that they can lead to affordability problems for some households. Another focus of this chapter is on the present system of Housing Benefit for renters, which can lead to disincentive effects associated with poverty and unemployment traps.

Keywords: households; housing; owner occupation; institutional structures; finance; Housing Benefit; renters

Chapter.  12550 words. 

Subjects: Urban and Rural Studies

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