What is it about?

This paper explored the risks factors in homeowners from the individual household’s perspectives within the owner-occupied housing sector in Dutch housing market.

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Why is it important?

From the perspective of the homeowner, two main types of risks were identified: default payment and property price risk. The paper has unearthed a quantum number of factors which underline the above risks. These factors relate to the initial amount of mortgage loan taken out, the future housing expenses and the income development of the owner-occupier. Family disintegration is identified as one of the main causes of mortgage default and that of property price risk is mainly influenced by income levels, interest rates and conditions in the social and private rental sectors. The findings of the paper are based on the review of the extant literature in the context of the Dutch housing market. Possible rigorous situational analysis using other tools are recommended for further research


This paper contributes to the much-needed body of knowledge in the owner-occupied sector and provides a better understanding of risk in home ownership from the individual perspectives.

Alfred Larm Teye
Technische Universiteit Delft

Read the Original

This page is a summary of: Risks in homeownership: a perspective on The Netherlands, International Journal of Housing Markets and Analysis, August 2017, Emerald, DOI: 10.1108/ijhma-07-2015-0036.
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