HOMEOWNERSHIP IN GERMANY: RETIREMENT STRATEGIES OF HOUSEHOLDS IN A TENANT SOCIETY

Ilse Helbrecht · Tim Geilenkeuser

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Financial Literacy, Pension, Retirement Analysis Housing Market and Economics Housing, Finance, and Neoliberalism

Abstract

This article examines the recent shifts among German homeowners towards the use of their hous- ing equity as an asset. Based on 36 in-depth interviews with members of households, the authors assert that homeowning behaviour and attitudes have evolved differently for different generations due to the eco- nomic and social circumstances at the time that they started their families and acquired their first real estate. Consequently, more and more young German house- holds now consider their dwelling to be a centrepiece of their financial provisions in preparation for future financial risks. This is clearly a new perspective in a pre- dominantly tenant society.

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References

20063.2. MARXISM AND LITERATURE 1960A Theory of the Consumption Function 2009The ideology of home ownership: homeowner societies and the role of housing 2006Performing (Housing) Markets 2008The Emotional Economy of Housing 1928DAS PROBLEM DER GENERATION 2007Home ownership beyond asset and security: Perceptions of housing related security and insecurity in eight European countries 2007Security and Insecurity of Home Ownership: Germany and the Netherlands

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