Received:
2018-02-20 | Accepted:
2018-11-03 | Published:
2018-12-30
Title
Peculiarities of housing market: dynamics of housing availability in Ukraine
Abstract
The article analyzes the dynamics of availability of housing for Ukrainian citizens in 1990-2017 years. The social and commercial availability of housing is investigated. The refined author's methodology for determining the commercial availability of housing was applied in the article. The actual values of social accessibility of housing in 1990-2017 years, and the commercial affordability of housing in 2011-2017, as well as trends in their dynamics are defined also. It is shown that the coefficient of social availability of housing has promptly fell from 1990 to 2010 years, and in 2011-2017 it has reached a critical low level. This proves that the government of Ukraine was actually discharged from the problem of social availability of housing and it has not developed modern effective tools for solving the housing problem of the poorest layer of citizens, who really need social housing. It is revealed that the mechanism of bank mortgage lending evolves in the direction opposite to the increase of affordability of housing. This indicates the need for radical changes in the state regulation of the mentioned mechanism. It is proposed to introduce new mortgage institutes in Ukraine, particularly, such as savings and credit, and to adapt the best examples of foreign experience for the sphere of state housing policy with the purpose of real increase of the level of availability of housing for Ukrainian citizens.
Keywords
availability of housing, social housing, housing problem, mortgage loan, state housing policy
JEL classifications
O18
URI
http://jssidoi.org/jesi/article/236
DOI
Pages
538-547
This is an open access issue and all published articles are licensed under a
Creative Commons Attribution 4.0 International License
Authors
National Academy for Public Administration under the President of Ukraine, Kiev, Ukraine
http://academy.gov.ua
Journal title
Entrepreneurship and Sustainability Issues
Volume
6
Number
2
Issue date
December 2018
Issue DOI
ISSN
ISSN 2345-0282 (online)
Publisher
VšĮ Entrepreneurship and Sustainability Center, Vilnius, Lithuania
Cited
Article views & downloads
HTML views: 3457 | PDF downloads: 1830
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