Mortgage debt versus intergenerational transfers: implications for welfare attitudes in the Czech Republic

Result code in IS VaVaI

<a href="https://www.isvavai.cz/riv?ss=detail&h=RIV%2F68378025%3A_____%2F25%3A00601673" target="_blank" >RIV/68378025:_____/25:00601673 - isvavai.cz</a>

Result on the web

<a href="https://link.springer.com/article/10.1007/s10901-024-10167-w" target="_blank" >https://link.springer.com/article/10.1007/s10901-024-10167-w</a>

DOI - Digital Object Identifier

<a href="http://dx.doi.org/10.1007/s10901-024-10167-w" target="_blank" >10.1007/s10901-024-10167-w</a>

Result language

angličtina

Original language name

Mortgage debt versus intergenerational transfers: implications for welfare attitudes in the Czech Republic

Original language description

There has been a noticeable delay in the emergence of a sociology of debt, and of mortgage debt in particular. This paper seeks to fill this gap by testing whether and how the form of home financing influences welfare attitudes regarding the role of the state in housing provision and, consequently, the type of housing (welfare) policy. Specifically, we hypothesise that there are significant differences in attitudes toward the role of the state/municipalities in housing provision between homeowners who financed their home especially with the use of a mortgage debt and homeowners who received a substantial resource transfer from their family to acquire their home. We conducted our research in the Czech Republic and used data from a national survey on housing attitudes. The results demonstrate that within-family housing-related transfers strengthen the liberal attitudes of Czech homeowners and thus contribute to overall public resistance to restore public housing provision. Given that intergenerational transfers are common in East European post-socialist countries, our findings may explain why significant differences in housing regimes/policies persist between the old and new EU member states, despite EU integration and the shared experience of housing affordability crisis. The results of this research have also implications for policy practice: in super-homeownership societies, familialism in housing provision may weaken the traditional left-right axis in public welfare attitudes and, consequently, may contribute to the long-term preservation of a neoliberal housing policy. However, such a stable status quo may deepen social inequalities, which are transmitted across generations.

Czech name

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Czech description

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Type

J_imp - Article in a specialist periodical, which is included in the Web of Science database

CEP classification

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OECD FORD branch

50401 - Sociology

Project

Result was created during the realization of more than one project. More information in the Projects tab.

Continuities

I - Institucionalni podpora na dlouhodoby koncepcni rozvoj vyzkumne organizace

Publication year

2025

Confidentiality

S - Úplné a pravdivé údaje o projektu nepodléhají ochraně podle zvláštních právních předpisů

Name of the periodical

Journal of Housing and the Built Environment

ISSN

1566-4910

e-ISSN

1573-7772

Volume of the periodical

40

Issue of the periodical within the volume

1

Country of publishing house

DE - GERMANY

Number of pages

21

Pages from-to

159-179

UT code for WoS article

001350187900001

EID of the result in the Scopus database

2-s2.0-105001088517