Affordable Housing in the U.S. and Europe

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Affordable Housing in the U.S. and Europe

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Housing Affordability

• Involves spending less than 30 of gross income
  for housing.
• A household refers to all individuals occupying a
  given housing unit.
• Affordable housing assists low income households
  to obtain and pay for proper housing.
• It is to be without suffering unnecessary
  financial hardship.

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Housing in United States

• Housing programs are abandoned in the planning
  stage due to stiff competition.
• Financing packages to develop affordable housing
  is time consuming and complex.
• System is decentralized.

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Housing in Europe

• Non-profit housing associations dominate in the
  provision of affordable housing.
• Local and state governments have defined
  affordable housing plan.
• Non-profit low-cost housing providers have ease
  in accessing funding.
• Housing associations are socially oriented.

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SocialHousing in Europe

• Characterized by a wide range of national housing
  situations.
• Different approaches are implemented in the
  European union.
• The following are the factors to consider

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• Tenures
• Providers
• Providers
• Providers
• Financing Arrangements

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Housing for Low Income Households Policies

• Policies for private sector to provide affordable
  Housing have been set
• They offer avenue into the housing market.
• Has reduced the need for social housing .
• Individual home ownership has been established in
  Europe.
• It has reduced government subsidies and
  attracted private sector involvement.

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Causes of Low Income Households Problems

• Private providers selecting areas to operate.
• Decentralization of services.
• Third party provision of affordable housing.
• Deregulation of the social housing industry.

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For More Information On Affordable Housing in the
U.S. and Europe

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