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The Nigerian Government has been left behind in the planning of homes for the senior citizens as they are aged and retire from service. The possible outcome is untimely death of many because of contagious illness associated with the dilapidated environment in their abode. Hence, this paper attempts to investigate the hindrances of home ownership faced by senior citizens and proffers possible policy solutions.

A phenomenology type of qualitative research was adopted and 30 participants were interviewed. That is, ten from four different state government agencies and 20 senior citizens using purposive and snowball sampling techniques and data saturation was also achieved. The data derived were analysed using MAXQDA 2018 and through a thematic analysis.

This paper found that Nigerian low-income senior citizens (LISCs) who owned houses lived more stable well-being. Whilst the level of home ownership was completely dissatisfying as failed mortgage finance, corruption in the pension scheme, relaxed National Housing Policy implementation and inadequate senior citizens’ home ownership policy were identified as the encumbrances.

This paper is limited to exploring the root cause of LISCs’ inability to gain home ownership and proffering possible solutions. Future research is needed to use relevant information in advancing home ownership policy for the low-income groups across the states in Nigeria and other developing countries.

This paper recommended that government should impose housing construction on three acres and above, mitigate corruption, establish special housing loan scheme for senior citizens, sustain rent-to-own policy and land subsidy in cities to enhance senior citizens’ home ownership. These recommendations form part of the paper's practical implications.

This paper demonstrates that existing housing policies are yet to consider the senior citizens regarding enhancing their home ownership status.

This paper aims to discuss the questioning around the current suitability of ownership both for accessing to certain property (housing, to be more specific) and chattels (digital contents, animals and autonomous robots) that have recently flourished, favored by technological advances and the change in the values of the millennials’ in a context of crisis.

The process of substitution (e.g. through alternative housing tenures, such as intermediate tenures and collaborative housing, licensing digital contents) or erosion/elimination (e.g. owning animals and robots, tokenization through blockchain) of ownership through key types of property and chattels.

Ownership, both of land and goods, is again at the stake. Technological advances and/or new values of millennials in a context of crisis have led to questioning the suitability of ownership to favor universal access to housing, of holding music and other digital contents, have limited the faculties of animals’ and pets’ owners and are favoring the evolution of autonomous robots into subjects of law rather than mere objects.

Only key property (housing) and chattels are studied (digital contents, animals, robots). There is no broad study of the global current situation of ownership.

It is discussed how the changes of values and technological advances in a context of crisis have impacted in the strength and reliability of ownership to allow access to property and chattels.

These changes in ownership change how we can access to property (housing) and to chattels (digital media) and even to changes in what is considered “object” such as what is happening in Europe with animals and robots.

This is a new approach to consequences of the crisis in the field of housing (fractioning of ownership -temporal and shared ownership-, collaborative economy) and a change of values in the new millennial generation (animals) in this context and owing to the advance of the new technologies (robots). Is ownership again at the stake?

It was not until the late 1960s that housing attracted much attention from academic social scientists. Since that time the literature has expanded widely and diversified, establishing housing with a specialised status in economics, sociology, politics, and in related subjects. As we would expect, the new literature covers a technical, statistical, theoretical, ideological, and historical range. Housing studies have not been conceived and interpreted in a monolithic way, with generally accepted concepts and principles, or with uniformly fixed and precise methodological approaches. Instead, some studies have been derived selectively from diverse bases in conventional theories in economics or sociology, or politics. Others have their origins in less conventional social theory, including neo‐Marxist theory which has had a wider intellectual following in the modern democracies since the mid‐1970s. With all this diversity, and in a context where ideological positions compete, housing studies have consequently left in their wake some significant controversies and some gaps in evaluative perspective. In short, the new housing intellectuals have written from personal commitments to particular cognitive, theoretical, ideological, and national positions and experiences. This present piece of writing takes up the two main themes which have emerged in the recent literature. These themes are first, questions relating to building and developing housing theory, and, second, the issue of how we are to conceptualise housing and relate it to policy studies. We shall be arguing that the two themes are closely related: in order to create a useful housing theory we must have awareness and understanding of housing practice and the nature of housing.

The purpose of this paper is to investigate the contributions of path-dependency and some contextual social capital drivers to housing tenure transitions in Britain. Different situations have continued to shape young adults’ housing tenure decisions. However, very little research has been done to investigate the impact of some social capital drivers, such as neighbourhood integration and strength of parental intimacy, on housing tenure decisions in Britain.

This paper is carried out by tracking a sample of young adults in the British Household Panel Survey from 1991 to 2015 until they make tenure transition. Multinomial fixed-effects logistic regression of time to tenure transition was useful for the models, incorporating established economic and demographic drivers and with the inclusion of contextual social capital variables.

The inclusion of the number of years of parental home ownership experience tends to improve on previous path-dependency indicators of tenure transition. With additional years of parental home ownership experience, British young adults are more likely to remain or return to parental housing. Also, individuals that exchange better with their neighbours are less likely to switch tenure. On the other hand, regularity of contact with parents showed a positive relationship with home ownership or parental housing transitions.

To the best of the author’s knowledge, no study has explored the impact of the duration of socialisation in parental housing and also the impact of some other social capital drivers, such as neighbourhood integration and strength of parental intimacy, on housing tenure decisions among young adults. Hence, it is believed that the findings will further assist policymakers in understanding the dimensions and drivers of tenure shifts.

This paper gives an account of the development and pioneering management practices of a community‐owned and managed agency, Walterton and Elgin Community Homes (WECH), locating these in the context of continuing concerns and emerging aspirations over the role of social housing, with developing UK national policy and a proposed statutory “Right to Transfer” for tenants.

This report provides a narrative of the recent development of social housing policy development and the evolving practice of WECH. This is the essential historical and social policy background to a recent study into the health and well‐being benefits of empowerment through community ownership of social housing. This first paper refers to and discusses the wider implications of the data collected during the well‐being research and literature review, indicating that the population of the WECH estates experience a sense of belonging, and of being involved, which contrasts markedly with statistics for comparable populations in comparable areas of deprivation. Further analysis of the key findings of the original study will be published in Part two.

The benefits of more community‐owned services include the more efficient and holistic management of properties. Community‐based, resident‐controlled housing associations offer a secure foundation for building in additional services as part of the continued drive to devolve public services to the local level, including hosting of a substantial range of community services, for example the reintegration of the Police into the community. The principle of community ownership of council estates is also valuable in its own right for informing the direction of housing management and policy and where to target effort. The experience and practice of WECH supports the proposition that community ownership of social housing may be an exceptionally effective means for improving and sustaining wellbeing in poor neighbourhoods.

This paper argues that Government policy should actively support mass mutualisation as a means for improving wellbeing on council/social housing estates and for empowering poorer communities to take greater responsibility for their welfare. Regardless of the extent of mutualisation, many of the practices involved are transferable to non‐mutual social landlords, and may be seen as markers of good practice for agencies intending to taken on social housing via transfer.

There is continued interest in the transfer of social housing stock to new provider agencies. WECH has been the only large‐scale statutory transfer until now of council housing in England and Wales to a mutual, community‐owned housing association. WECH's experience is especially relevant for evidencing the significant advantages governments could obtain through encouraging many more transfers of council estates to community housing associations.

This paper aims to offer an extensive empirical case study analysis by investigating housing affordability in Turkey as a whole, and in Istanbul, Ankara and Izmir over the period of 2006 and 2017 and its sub-periods.

This paper develops a theoretically informed model to assess affordability using complementary methodologies in quantitative analysis. This study seeks to help outline the nature of the problem in aggregate level and in the cities; it also seeks to offer lessons about how to address measurement and modelling challenges in emergent market contexts by constructing aggregate-/city-level housing cost-to-income (HCI) ratio, adjusted HCI (AHCI) ratio, housing affordability index (HAI) and effective HAI sensitive to multiple calculation methodologies and alternative data set involving income distribution and poverty tranches.

HCI, AHCI, HAI and EHAI models generally suggest the parallel results: housing is not affordable in Turkey and in Istanbul, Ankara and Izmir except for the highest income groups. The evidence implies that besides macroeconomic instabilities, distorted interest rates and short average mortgage maturity, poverty and unequal income/wealth distributions are the main reasons of the Turkish housing affordability crisis specifically heightened in metropolitan areas such as in Istanbul.

The evidence provides an insight on housing affordability problems in Turkey. However, small sample size and short observation period create a limit for generalisation of the findings. Further analysis would be required to illustrate how housing affordability changes in different cities of Turkey in a longer period.

By using empirical approaches, this paper helps to understand how serious housing affordability problems of Turkey in aggregate and urban levels. This evidence helps to explain declining ownership ratio in low-income groups and in urban areas. Reliable explanations on existing housing crisis of Turkey also help to develop affordable housing policies.

Declining housing affordability and homeownership ratio may translate as the rising housing inequality and insecurity among Turkish households. Moreover, better affordability values of higher income groups suggest that existing inequality, economic/social segmentation, and hence social tension between high and low income groups, may further increase. In this respect, the authors suggest socially important policies such as reducing income/wealth inequalities and increasing affordable housing supply.

This study offers a detailed empirical case study analysis that can be used as an exemplar of how to overcome data constraints in other evolving housing market contexts. This study sets out an approach overcoming the challenges of measurement. This study also combines existing methodological approaches with the modified variables to provide a more realistic aggregate-/urban-level housing affordability picture. The authors calculated some parts of housing affordability ratio and index series using discretionary income, minimum wage and effective minimum wage to show the variations of different measurement approaches. Some constructed series are also sensitive to income distribution and poverty thresholds. Collectively, this empirical approach, developed by using emerging market data, provides a contribution to the literature.

This paper seeks to investigate the impact of socioeconomic factors of homebuyers such as gender, age, marital status, education, economic status and race on home ownership and loan decisions in urban China.

This paper employs logistic regression to investigate the socioeconomic factors affecting the consumers' house purchase decision in urban China and the factors affecting the housing loan application.

Using a structured questionnaire to collect relevant data from household residents (both homeowners and non-home owners) in Nanjing in 2010, the findings document that male respondents who are non-minorities and have higher levels of education are more likely to purchase a house. The results also show that race, educational attainment, size of household and credit card ownership are significantly related to rejection for a housing loan.

The findings in this paper provide homebuyers with a better understanding of factors affecting the housing loans and their decision to purchase a house. Homebuyers can accurately assess their financial ability and improve the use of their credit to purchase a house. In addition, Chinese homebuyers should be encouraged to save since savings serve as a step in building their credit worthiness; therefore, their accessibility to housing loans can be improved and the rate of homeownership will be increased as well.

This research would benefit both lender and borrowers. The research findings provide banks with a better understanding of homebuyers' characteristics that influence their accessibilities to housing loans. Homeownership requires affordable housing financing. Banks should consider repackaging their home loan products to make them more attractive to those with limited means. Such products should focus on making loans more affordable in real terms. First-time homebuyers are almost always young and earn low incomes.

This study aims to establish the relationship between house acquisitions by foreigners (HAF) and house price index (HPI) in Turkey.

Due to the nature of this study, the data spans from January 2020 to March 2022. The house price index and the number of foreign house acquisitions across three provinces: Ankara, Izmir and Bursa, and national-level data were obtained from the TurkStat database. Consumer price index (CPI) and Turkish interest rates are control variables. In addition, monthly Turkish interest rates and CPI were obtained from the investing.com and TurkStat database, respectively. Furthermore, this study used autoregressive-distributed lag and Toda Yamamoto Granger causality models to avoid analysis bias. HPI and HAF are the variables used to accomplish the objectives of this study.

This study established a short-run equilibrium between foreign house acquisitions at the provincial and national levels. The short-run deviations were adjusted faster, ranging from 57.53% to 89.24% for some provinces, while Izmir is struggling to adjust at 6.48%. Both unidirectional and bidirectional Granger causality evidence suggests that the Turkish house price index increases at the national and provincial levels. This finding suggests the need for continuous policy intervention in the Turkish housing market because house prices play a pivotal role in Turkish economic development and daily lives.

This study’s scope and single-country study are its limitations. However, those limitations make the findings appropriate for the country of the study rather than generalising the results.

The study provides empirical evidence that foreign housing acquisition contributes negatively to housing affordability in Turkey and calls for authority intervention. This is because housing is considered shelter, a fundamental need to which citizens are expected to be entitled. Most citizens are low- and medium-income earners who may be unable to afford a house out of their income if it becomes costly. Once the expenditure to secure housing exceeds 30% of their income, it is considered unaffordable.

To the authors' best knowledge, this is the first empirical study that established the influence of foreign house acquisitions on Turkish house price increases and adversely reduced house affordability by Turkish citizens. The study is the first on foreign Turkish housing acquisition that used both theory of ownership and justice motivation theory to explain HAF.

JOHN GROOMS HOUSING ASSOCIATION provides housing for people with disabilities. The association commissioned the Housing and Support Partnership to carry out a national survey of wheelchair users to get an up‐to‐date picture of their housing position and to explore the possibilities of making more use of shared ownership. This paper reports their findings.

Relative to comparable industrialized countries, Germany stands out in terms of its low homeownership rate (43 percent). For Germany, it is unknown so far to what extent the low rate of homeownership can be related to housing being unaffordable. One reason for the lack of evidence is the apparent lack of data. The purpose of this paper is to fill this gap.

Based on a regional dataset of 3.9 million asking prices of housing units collected by a real estate listing engine, the paper applies internationally established affordability concepts to the German housing market. The authors then run a number of cross‐section regressions at the level of the 16 German federal states, using the affordability measures as explanatory variables of the rate of homeownership.

The results show that the average German household would have to sacrifice a large part of its non‐housing consumption to afford homeownership, especially of single‐family homes. As the regional analysis reveals, certain types of household can even be considered excluded from the ownership market in some particularly unaffordable states with cost burdens of over 50 percent, such as Bavaria. The cross‐section regression results for the 16 federal states affirm the importance of affordability as a determinant of the homeownership rate.

The official data on ownership rates are rather spotty over time and only available for a single year (2006) for the time frame that is considered for the affordability analysis (2005‐2010). Given the data limitations, the regression analysis has to be confined to a single cross section least squares regression for 2006. The authors are aware that to obtain truly convincing results, it would be necessary to capture the development of ownership rates in different localities in Germany, such as the 16 federal states, over time and to check to what extent the affordability measures can explain any of the variation in ownership rates in a panel data framework with fixed effects for federal states and time. However, the authors feel that the regression results may serve as a starting point; they are better than a set of simple correlations, even if they constitute not a conclusive causal analysis.

Any public policy initiative to raise Germany's homeownership rate will have to address the question of how to make housing more affordable. The recent elimination of homeowner subsidies is working in exactly the opposite direction.

The affordability approach used is technically not new or challenging, but it offers a basis for comparison that has been conspicuously lacking so far for the fourth largest economy of the world. By applying affordability concepts that are well accepted and in use internationally, the authors believe that they can provide at least some suggestive evidence that can further spur research into the affordability issue. While the authors do not break new methodological ground with their paper, they do provide a basis of comparison for policy discussion and for further research. Germany provides a unique environment for affordability research, due to its reunification history, observations from which may thus yield insights valuable to the international research community.