Peculiarities of housing market: dynamics of housing availability in Ukraine

Abstract

The article analyzes the dynamics of availability of housing for Ukrainian citizens in 1990-2017 years. The social and commercial availability of housing is investigated. The refined author's methodology for determining the commercial availability of housing was applied in the article. The actual values of social accessibility of housing in 1990-2017 years, and the commercial affordability of housing in 2011-2017, as well as trends in their dynamics are defined also. It is shown that the coefficient of social availability of housing has promptly fell from 1990 to 2010 years, and in 2011-2017 it has reached a critical low level. This proves that the government of Ukraine was actually discharged from the problem of social availability of housing and it has not developed modern effective tools for solving the housing problem of the poorest layer of citizens, who really need social housing. It is revealed that the mechanism of bank mortgage lending evolves in the direction opposite to the increase of affordability of housing. This indicates the need for radical changes in the state regulation of the mentioned mechanism. It is proposed to introduce new mortgage institutes in Ukraine, particularly, such as savings and credit, and to adapt the best examples of foreign experience for the sphere of state housing policy with the purpose of real increase of the level of availability of housing for Ukrainian citizens.

Change of Indicators of Housing Affordability for Citizens of Ukraine in 2018—2019 Years

“…Зміни соціальної доступності житла для громадян України протягом 1990-2017 років розглянуті автором у дослідженні [1]. З наведеного дослідження очевидно, що соціальна доступність житла в Україні була низькою у всі роки незалежності.…”

“…На основі результатів, наведених у таблиці 1, а також враховуючи результати попередніх досліджень [1], побу дуємо траєкторію доступності жила для громадян Украї ни за іпотечною схемою у 2011-2019 роках (рис. 1).…”

Economy of Heating and Competitiveness of the State – The Link between the Life Expectancy and the Heating Fuel Type. The Case of the Slovak Republic

“…Germany, Austria), it is virtually impossible to use a traditional solid fuel boiler (Plus, 2018). Solid fuel heating has the common additional problem that low-income population groups often burn municipal waste -which dramatically escalates the production of harmful emissions -to cut costs ( Jandacka et al, 2015;Omelchuk, 2018;Volchik et al 2018). Dwellings heated by solid fuel are predominant in Central Slovakia and the north of Eastern Slovakia.…”

Multidimensional Comparative Analysis of the House Price Index in Europe Between 2021-2022 in the Aspect of Economic Security

“…The price is one of the economic categories that determines the size of the purchase and sale transactions on the stock exchanges and markets of respective countries. It means the value of goods, service, currency or production factor expressed in money (Owsiak, 2015, p. 344;Omelchuk, 2018;Napiórkowska-Baryła, Świdyńska, 2021). Strong and long-lasting increases in dependent variables -crude oil and LPG prices -expand standard deviations of other dependent variables.…”