The effect of the housing provident fund on housing consumption and inequity risks

Faktor-Faktor Paling Berpengaruh Terhadap Penyediaan Perumahan dan Aksesibilitas Pembiayaan Perumahan Bagi Masyarakat Berpenghasilan Rendah

“…Sebagai contoh, penelitian terkini menekankan pembahasan mengenai tren ketimpangan kekayaan perumahan atau housing wealth di Inggris dimana berupa peningkatan konsentrasi kekayaan perumahan bagi kelompok masyarakat yang memiliki kekayaan berupa perumahan dan pendapatan yang lebih tinggi (Arundel, 2017). Terdapat pula literatur yang membahas program perumahan yang malah menghasilkan peningkatan kesenjangan karena tersedianya skema pembiayaan perumahan yang tidak dirancang dengan baik (Chen, Wu, Liu, & Wang, 2020). Di Indonesia sendiri, pembiayaan perumahan terjangkau dalam bentuk pinjaman kredit pemilikan rumah (KPR) belum berfungsi dengan baik khususnya bagi masyarakat berpenghasilan rendah (MBR) (Soeroto, 2018).…”

Structural analysis of factors affecting the housing in Tabriz metropolis: a future study approach

“…The housing sector today plays a prominent role in the globalization of national and urban political economies (Wetzstein, 2017). Besides being the driving force of the political economy, housing is also affected by a variety of factors, such as processes of urbanization (Zarghamfard et al , 2020), suburbanization (Andreasen et al , 2017), housing commodification (Zarghamfard and Meshkini, 2021; Chen and Wu, 2020), migration and spatial patterns (Meen, 1999), wave effect (Huang, 2011; Meen, 1996), spatial diffusion (Zhu and Zhang, 2021), demographic issues (Ghaedrahmati and Zarghamfard, 2021), political relations (Jaupart, 2020), financial intermediaries (Reher, 2021), characteristics of urban area (Gu et al , 2020), social stratification (Han et al , 2021), overflow effects (Liang et al , 2018), private partnership initiatives (Lau, 2005), land issues (Meshkini et al , 2019; Liang et al , 2020), development of transportation lines (Baker et al , 2021), housing policy processes (Jaupart, 2020), market bubbles (Ayub et al , 2020), individual preferences and life quality (Shaw, 2004), asset management (Marchesi and Tweed, 2021), income conditions (Zhao et al , 2021), construction techniques and technologies (Raj et al , 2021), savings programs (Chen et al , 2020), tax policies (Guo and Jiang, 2021), trading cycles (Chen and Zhao, 2021), novel rental constructions (Murie and Rowlands, 2008), globalization of housing investment processes (Wetzstein, 2017) identified as the drivers of housing sector in the literature.…”

“…Considering the drivers of the housing sector, housing has had two distinct types of orientations in many metropolises of the world. On the one hand, because of the existence of neoliberal policies, some agents have made great profits as the housing prices rise (Zarghamfard et al , 2020) and on the other hand, income status is a very important factor in the housing supply (Chen et al , 2020), in a way that a large proportion of the society are unable to afford housing because the cost of living is more than their incomes (Wigger, 2020). To that end, the prospective of the housing sector is worth noticing because the patterns of supply and demand are very important in predicting the future of housing.…”

Real Estate Investment, Loan Preference, and National Happiness: Evidence from China

“…As the engine of economic development, the rapid expansion of real estate investment and the continual rise in housing prices may negatively affect national happiness [1]. Infact, in recent years, the literature has been concerned about such issues.…”

“…Wang, Hou, and He studied the dynamic linkage between housing prices and enterprises' investment behaviors in China [2]. They found that the rapid uprising housing prices significantly affected the enterprises' investment behaviors, expanding the gap of financial constraints between private and state-owned enterprises, leading to investment inefficiency and resource mismatch [1].…”