Slovenia

Lastništvo stanovanj v Sloveniji: iskanje alternativne teorije o njegovi čezmerni rasti

“…Privatizacija nekdanjega najemnega fonda stanovanj v letih 1991−1994 je pomembno pripomogla k večjemu številu lastniških stanovanj. Ko se je končala, se je delež lastniških stanovanj s 67 % leta 1991 povečal na 89 % leta 1994 oziroma za 22 % (Sendi, 2009). Drugi vladni ukrepi, ki naj bi po prehodu iz planskega gospodarstva v tržno leta 1991 povečali delež lastniških stanovanj, so vključevali ponudbo različnih predmetnih in osebnih državnih subvencij ter program stanovanjskih posojil (zgledoval se je po modelu hipotekarnega kreditiranja nemške banke Sparkasse), ki so ga uvedli leta 1991 in opustili leta 2006 (Cirman in Sendi, 2016).…”

“…Tretjič, ukrep je omogočil prerazporeditev dela premoženja, ki se je med komunizmom nakopičilo v obliki »javnih nepremičnin«, med državljane, ki so ga z mesečnimi prispevki financirali oziroma pomagali ustvariti. Navsezadnje pa je vladalo tudi upanje, da bo zasebno lastništvo privedlo k učinkovitejšemu upravljanju in vzdrževanju večstanovanjskih stavb (Sendi, 2009).…”

Homeownership in Slovenia: Searching for an alternative theory on its excessive growth

“…The privatisation of the previous rental housing stock between 1991 and 1994 certainly significantly contributed to increasing the level of homeownership. By the end of the privatisation process, the share of homeownership had grown from 67% in 1991 to 89% in 1994, an increase of 22% (Sendi, 2009). Other policy measures that focused on increasing the level of homeownership following the shift from a planned to market economy in 1991 included various forms of government-sponsored object and subject subsidies and a housing loan scheme (operating on the principles of the German Sparkassen mortgage lending model), which was introduced in 1999 and abandoned in 2006 (Cirman & Sendi, 2016).…”

“…Third, the measure enabled the redistribution of some of the wealth accumulated as "public property" during communist rule to citizens that had financed and contributed to its creation through monthly payments. Finally, it was also hoped that private homeownership would lead to greater efficiency in managing and maintaining multifamily housing (Sendi, 2009).…”