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The meaning of housingA pathways approach$
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David Clapham

Print publication date: 2005

Print ISBN-13: 9781861346384

Published to Policy Press Scholarship Online: March 2012

DOI: 10.1332/policypress/9781861346384.001.0001

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Paying for housing

Paying for housing

Chapter:
(p.87) Four Paying for housing
Source:
The meaning of housing
Author(s):

David Clapham

Publisher:
Policy Press
DOI:10.1332/policypress/9781861346384.003.0005

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

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