Consumption loans consuming homes: intersections of housing precarity and personal overindebtedness

Kód výsledku v IS VaVaI

<a href="https://www.isvavai.cz/riv?ss=detail&h=RIV%2F68378025%3A_____%2F24%3A00587279" target="_blank" >RIV/68378025:_____/24:00587279 - isvavai.cz</a>

Výsledek na webu

<a href="https://www.tandfonline.com/doi/full/10.1080/19491247.2024.2350134" target="_blank" >https://www.tandfonline.com/doi/full/10.1080/19491247.2024.2350134</a>

DOI - Digital Object Identifier

<a href="http://dx.doi.org/10.1080/19491247.2024.2350134" target="_blank" >10.1080/19491247.2024.2350134</a>

Jazyk výsledku

angličtina

Název v původním jazyce

Consumption loans consuming homes: intersections of housing precarity and personal overindebtedness

Popis výsledku v původním jazyce

Housing precarity as a condition referring to housing insecurity and unaffordability has been on the rise over the last decade across Europe and beyond. While various studies discuss the character of housing precarity and its links to (subprime) mortgage loans, the role of specific moral economies of debt in enacting housing policies which reinforce housing precarity is less developed in relation to other kinds of loans or the experience of debt enforcement. This article analyses fifty narrative interviews—thirty with debtors and twenty with institutional actors—and employs a processual methodology to highlight the performativity of personal debt and local housing policies. Performativity, enacted and modulated by moral economies of effort, (un)deservingness and (ir)responsibility, contributes to the remaking of housing precarity among indebted people, creating a vicious housing precarity-indebtedness loop. In the conclusion, we highlight the contingent and selective application of local housing policies which exclude the overindebted from municipal housing and discuss possible political and policy actions for overcoming the housing governance which generates this precarity.

Název v anglickém jazyce

Consumption loans consuming homes: intersections of housing precarity and personal overindebtedness

Popis výsledku anglicky

Housing precarity as a condition referring to housing insecurity and unaffordability has been on the rise over the last decade across Europe and beyond. While various studies discuss the character of housing precarity and its links to (subprime) mortgage loans, the role of specific moral economies of debt in enacting housing policies which reinforce housing precarity is less developed in relation to other kinds of loans or the experience of debt enforcement. This article analyses fifty narrative interviews—thirty with debtors and twenty with institutional actors—and employs a processual methodology to highlight the performativity of personal debt and local housing policies. Performativity, enacted and modulated by moral economies of effort, (un)deservingness and (ir)responsibility, contributes to the remaking of housing precarity among indebted people, creating a vicious housing precarity-indebtedness loop. In the conclusion, we highlight the contingent and selective application of local housing policies which exclude the overindebted from municipal housing and discuss possible political and policy actions for overcoming the housing governance which generates this precarity.

Druh

J_imp - Článek v periodiku v databázi Web of Science

CEP obor

—

OECD FORD obor

50401 - Sociology

Projekt

<a href="/cs/project/GA20-04863S" target="_blank" >GA20-04863S: Utváření a performance občanství skrze dluhy v České republice</a><br>

Návaznosti

I - Institucionalni podpora na dlouhodoby koncepcni rozvoj vyzkumne organizace

Rok uplatnění

2024

Kód důvěrnosti údajů

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

Název periodika

International Journal of Housing Policy

ISSN

1949-1247

e-ISSN

1949-1255

Svazek periodika

24

Číslo periodika v rámci svazku

3

Stát vydavatele periodika

GB - Spojené království Velké Británie a Severního Irska

Počet stran výsledku

20

Strana od-do

501-520

Kód UT WoS článku

001239615300001

EID výsledku v databázi Scopus

2-s2.0-85195183786