Model wyborów mieszkaniowych w cyklu życia Polaków – analiza empiryczna
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Opublikowane:
mar 31, 2023
Słowa kluczowe:
wybór struktury własności, struktura mieszkaniowa, stan cywilny, rynek najmu
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Abstrakt
Decyzje o wyborze mieszkania zależą od indywidualnych preferencji i warunków ekonomicznych, a zmieniają się wraz ze zmianami gospodarczymi i rozwojem rynku mieszkaniowego. Polska jest gospodarką postsocjalistyczną, w której obserwuje się znaczną poprawę sytuacji na rynku mieszkaniowym. Pojawienie się deweloperów mieszkaniowych, którzy dość szybko zwiększają zasoby mieszkaniowe, system finansowania budownictwa mieszkaniowego oraz wciąż powolne powstawanie rynku prywatnego wynajmu pozwoliły wielu ludziom na swobodny wybór struktury własności i usamodzielnienie się. W tej części artykułu przedstawiamy przegląd literatury oraz rys historyczny rynku mieszkaniowego w Polsce.
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Matel, A., & Olszewski, K. (2023). Model wyborów mieszkaniowych w cyklu życia Polaków – analiza empiryczna. Kwartalnik Nauk O Przedsiębiorstwie, 67(1), 73–96. https://doi.org/10.33119/KNoP.2023.67.1.5
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Autor (Autorzy) artykułu oświadcza, że przesłane opracowanie nie narusza praw autorskich osób trzecich. Wyraża zgodę na poddanie artykułu procedurze recenzji oraz dokonanie zmian redakcyjnych. Przenosi nieodpłatnie na Oficynę Wydawniczą SGH autorskie prawa majątkowe do utworu na polach eksploatacji wymienionych w art. 50 Ustawy z dnia 4 lutego 1994 r. o prawie autorskim i prawach pokrewnych – pod warunkiem, że praca została zaakceptowana do publikacji i opublikowana.
Oficyna Wydawnicza SGH posiada autorskie prawa majątkowe do wszystkich treści czasopisma. Zamieszczenie tekstu artykuły w repozytorium, na stronie domowej autora lub na innej stronie jest dozwolone o ile nie wiąże się z pozyskiwaniem korzyści majątkowych, a tekst wyposażony będzie w informacje źródłowe (w tym również tytuł, rok, numer i adres internetowy czasopisma).
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Bibliografia
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Augustyniak H., Łaszek J., Olszewski K. and Waszczuk, J. (2013). To Rent or to Buy – Analysis of Housing Tenure Choice Determined by Housing Policy, Ekonomia, 33, pp. 31–54.
Barrios V. E., Colom M. C. and Molés M. C. (2013). Life cycle and housing decisions: a comparison by age cohorts, Applied Economics, 45 (32), pp. 4556–4568.
Bayrakdar S., Coulter R., Lersch Ph. and Vidal S. (2018). Family formation, parental background and young adults’ first entry into homeownership in Britain and Germany, Housing Studies, 34 (6), pp. 974–996.
Blaauboer M. (2010). Family background, individual resources and the homeownership of couples and singles, Housing Studies, 25 (4), pp. 441–461.
Bogdał P. (2017). Housing economy in Poland based on an example of Housing Association [TBS], World Scientific News, (72), pp. 657–669.
Brzezicka J., Łaszek J., Olszewski K. and Waszczuk J. (2019). Analysis of the filtering process and the ripple effect on the primary and secondary housing market in Warsaw, Poland, Land Use Policy, 88, pp. 1–16.
Carter S. (2011). Housing tenure choice and the dual income household. Journal of Housing Economics, 20 (3), pp. 159–170.
Christophers B. and O’Sullivan D. (2018). Intersections of inequality in homeownership in Sweden, Housing Studies, 34 (6), pp. 897–924.
Clark W. A. V. and Mulder C. H. (2000). Leaving home and entering the housing market, Environment and Planning A, 32, pp. 1657–1671.
Clark W. A. V., Deurloo M. C. & Dieleman F. M. (1997). Entry to Home-ownership in Germany: Some Comparisons with the United States, Urban Studies, 34 (1), pp. 7–19.
Coulter R. (2018). Parental background and housing outcomes in young adulthood, Housing Studies, 33 (2), pp. 201–223.
Disney R., Henley A. and Gallagher T. (1995). Housing assets and savings behavior among the elderly in Great Britain, Institute for Fiscal Studies Working Paper, 22, pp. 353–404.
Dunne T. (2012) Household formation and the great recession, Federal Reserve Bank of Cleveland Working Paper Series, 23.
Eichholtz P. and Lindenthal Th. (2014). Demographics, Human Capital, and the Demand for Housing, Journal of Housing Economics, 26, pp. 19–32.
Feijten P. and Mulder C. (2005). Life-course Experience and Housing Quality, Housing Studies, 20 (4), pp. 571–587.
Filandri M. and Bertolini S. (2016). Young people and home ownership in Europe, International Journal of Housing Policy, 16 (2), pp. 144–164.
Fiori F., Graham E. and Feng Z. (2019) Inequalities in the transition to homeownership among young people in Scotland, Housing Studies, 35 (3), pp: 506–536.
Gillespie B. J. (2020). Adolescent Intergenerational Relationship Dynamics and Leaving and Returning to the Parental Home, Journal of marriage and family, 82, pp. 997–1014.
Gyourko J., Linneman P. (1997). The changing influences of education, income, family structure, and race on homeownership by age over time, Journal of Housing Research, 8, pp. 1–25.
Hegedüs J., Lux M and Teller N. (eds) (2013). Social Housing in Transition Countries, New York, London: Routledge.
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Hendershott P. C., Ong R., Wood G. A. and Flatau P. (2009). Marital history and home ownership: evidence from Australia, Journal of Housing Economics, 18 (1), pp. 13–24.
Hilber Ch. (2007). Why are homeownership rates so different across Europe?, 14th ERES Annual Conference Papers Series.
Jones L. D. (1990). Current wealth constrains on the housing demand of young owners, The review of Economics and Statistics, 76, pp. 424–432.
Kim K. and Joen J. S. (2012). Why do households rent while owning houses? Housing sub-tenure choice in South Korea, Habitat International, 36, pp. 101–107.
Kucharska-Stasiak, E., and Matysiak, G. A. (2004). The transition of the Polish real estate market within a Central and Eastern European context. Working paper.
Lee H., Myers D., Painter G., Thunell J. and Zissimopoulos, J. (2020). The role of parental financial assistance in the transition to homeownership by young adults, Journal of Housing Economics, 47, doi: 10.1016/j.jhe.2018.08.002.
Lennartz, C., Arundel, R. & Ronald, R. (2016). Younger adults and homeownership in Europe through the Global Financial Crisis, Population, Space and Place, 22 (8), pp. 823–835.
Lersch P. M. and Luijkx R. (2015). Intergenerational transmission of homeownership in Europe: Revisiting the socialization hypothesis, Social Science Research, 49, 327–342.
Lux M., Sunega P. and Kážmér L. (2018). Intergenerational financial transfers and indirect reciprocity: determinants of the reproduction of homeownership in the post-socialist Czech Republic, Housing Studies. doi: 10.1080/02673037.2018.1541441
Łaszek, J., Augustyniak, H., & Olszewski, K. (2016). FX mortgages, housing boom and financial stability – a case study for Poland (2005-2015). In The Narodowy Bank Polski Workshop: Recent trends in the real estate market and its analysis – 2015 edition.
Łaszek J., Olszewski K. and Augustyniak H. (2018). A simple model of the housing market and the detection of cycles, in J. Łaszek, K. Olszewski and R. Sobiecki (eds.) Recent trends in the real estate market and its analysis, SGH Warsaw School of Economics. Warsaw, pp. 87–102.
Łaszek J., Augustyniak H. and Olszewski K. (2021). The Development of the Rental Market in Poland in R. Sobiecki, J. Łaszek and K. Olszewski (eds.), Real Estate at Exposure. New Challenges, Old Problems. SGH Warsaw School of Economics. Warsaw, pp. 263–274.
Matel A. and Olszewski K. (2021). Housing trajectories before, during and after marriage – patterns and changing inequalities in a post-transformation country. Unpublished.
Matel A. (2021). Tenure status in life cycle cohorts in Poland, Real Estate Management and Valuation, 29 (3), (forthcoming).
McKee K., Moore T., Soaita A. and Crawford J. (2017). Generation Rent and the fallacy of choice, International Journal of Urban and Regional Research, 41 (2), pp. 318–333.
Mundra K. and Uwaifo-Oyelere R (2019). Homeownership trends among the never married, Housing Studies, 34 (1), pp: 162–187.
Mulder C. H. (2013). Family dynamics and housing: Conceptual issues and empirical findings, Demographic Research, 29, pp. 355–378.
Murphy, A. E. (2000). The ‘Celtic Tiger’ – An Analysis of Ireland’s Economic Growth Performance. Working Paper No. 2000/16. Florence: European University Institute.
Muzioł-Węcławowicz, A. (2013). Old Problems and New Dilemmas. Social housing in transition countries, 10, 195. In: Hegedüs J., Lux M and Teller N. (eds) Social Housing in Transition Countries, New York, London: Routledge.
NBP (2020a) Report on the situation in the housing and commercial real estate market in Poland in 2019. (Warsaw: Narodowy Bank Polski).
NBP (2020b). Situation in local residential real estate markets in Poland in 2019. (Warsaw: Narodowy Bank Polski).
Painter G., Gabriel S. A. and Myers D. (2001) Race, immigrant status and housing tenure choice, Journal of Urban Economics, 49 (1), pp. 150–167.
Rae D. and P. van den Noord (2006), Ireland’s Housing Boom: What has Driven it and Have Prices Overshot?, OECD Economics Department Working Papers, No. 492, OECD Publishing, Paris.
Rubaszek M. (2019). Private rental housing market underdevelopment: life cycle model simulations for Poland, Baltic Journal of Economics, 9 (12), pp. 334–358.
Skaburskis A. (1996). Race and tenure in Toronto, Urban Studies, 33 (2), 1996, pp. 223–252.
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Statistics Poland (2021b). Consumer tendency, https://stat.gov.pl/en/topics/business-tendency/business-tendency/consumer-tendency-march-2020,3,3.html accessed on 1.03.2021.
Strączkowski Ł. and Boruta M. (2018). Warunki i decyzje mieszkaniowe seniorów na lokalnym rynku nieruchomości, Zeszyty Naukowe Uniwersytetu Ekonomicznego w Krakowie, 3 (975), pp. 69–81.
Thomas M. J. and Mulder C. H. (2016). Partnership patterns and homeownership: a cross-country comparison of Germany, the Netherlands and the United Kingdom, Housing Studies, 31 (8), pp. 935–963.
Wozniak G. E. (2017). Facts and Myths on Restitution of Property in Poland, Loyola of Los Angeles International and Comparative Law Review (ILR), 41, 331.
Andersen H. S. (2011). Motives for Tenure Choice during the Life Cycle: The Importance of Non-Economic Factors and Other Housing Preferences, Housing, Theory and Society, 28 (2), pp. 183– 207.
Andrews D. and Sánchez A. C. (2011). Drivers of Homeownership Rates in Selected OECD Countries, OECD Economics Department Working Papers, 849, pp. 1–44.
Arrondel L., Badenes N. and Spadaro A. (2010). Consumption and Investment Motives in Housing Wealth Accumulation of Spanish Households, Social Science Research Network Working Paper, pp. 1–21, doi:10.2139/ssrn.1597126
Arundel R. and Ronald R. (2016). Parental co-residence, shared living and emerging adulthood in Europe: semi-dependent housing across welfare regime and housing system contexts, Journal of Youth Studies, 19 (7), pp. 885–05.
Augustyniak H., Łaszek J., Olszewski K. and Waszczuk, J. (2013). To Rent or to Buy – Analysis of Housing Tenure Choice Determined by Housing Policy, Ekonomia, 33, pp. 31–54.
Barrios V. E., Colom M. C. and Molés M. C. (2013). Life cycle and housing decisions: a comparison by age cohorts, Applied Economics, 45 (32), pp. 4556–4568.
Bayrakdar S., Coulter R., Lersch Ph. and Vidal S. (2018). Family formation, parental background and young adults’ first entry into homeownership in Britain and Germany, Housing Studies, 34 (6), pp. 974–996.
Blaauboer M. (2010). Family background, individual resources and the homeownership of couples and singles, Housing Studies, 25 (4), pp. 441–461.
Bogdał P. (2017). Housing economy in Poland based on an example of Housing Association [TBS], World Scientific News, (72), pp. 657–669.
Brzezicka J., Łaszek J., Olszewski K. and Waszczuk J. (2019). Analysis of the filtering process and the ripple effect on the primary and secondary housing market in Warsaw, Poland, Land Use Policy, 88, pp. 1–16.
Carter S. (2011). Housing tenure choice and the dual income household. Journal of Housing Economics, 20 (3), pp. 159–170.
Christophers B. and O’Sullivan D. (2018). Intersections of inequality in homeownership in Sweden, Housing Studies, 34 (6), pp. 897–924.
Clark W. A. V. and Mulder C. H. (2000). Leaving home and entering the housing market, Environment and Planning A, 32, pp. 1657–1671.
Clark W. A. V., Deurloo M. C. & Dieleman F. M. (1997). Entry to Home-ownership in Germany: Some Comparisons with the United States, Urban Studies, 34 (1), pp. 7–19.
Coulter R. (2018). Parental background and housing outcomes in young adulthood, Housing Studies, 33 (2), pp. 201–223.
Disney R., Henley A. and Gallagher T. (1995). Housing assets and savings behavior among the elderly in Great Britain, Institute for Fiscal Studies Working Paper, 22, pp. 353–404.
Dunne T. (2012) Household formation and the great recession, Federal Reserve Bank of Cleveland Working Paper Series, 23.
Eichholtz P. and Lindenthal Th. (2014). Demographics, Human Capital, and the Demand for Housing, Journal of Housing Economics, 26, pp. 19–32.
Feijten P. and Mulder C. (2005). Life-course Experience and Housing Quality, Housing Studies, 20 (4), pp. 571–587.
Filandri M. and Bertolini S. (2016). Young people and home ownership in Europe, International Journal of Housing Policy, 16 (2), pp. 144–164.
Fiori F., Graham E. and Feng Z. (2019) Inequalities in the transition to homeownership among young people in Scotland, Housing Studies, 35 (3), pp: 506–536.
Gillespie B. J. (2020). Adolescent Intergenerational Relationship Dynamics and Leaving and Returning to the Parental Home, Journal of marriage and family, 82, pp. 997–1014.
Gyourko J., Linneman P. (1997). The changing influences of education, income, family structure, and race on homeownership by age over time, Journal of Housing Research, 8, pp. 1–25.
Hegedüs J., Lux M and Teller N. (eds) (2013). Social Housing in Transition Countries, New York, London: Routledge.
Hegedüs J., Lux M., & Horváth V. (eds.) (2017). Private Rental Housing in Transition Countries: An Alternative to Owner Occupation?. Springer.
Hendershott P. C., Ong R., Wood G. A. and Flatau P. (2009). Marital history and home ownership: evidence from Australia, Journal of Housing Economics, 18 (1), pp. 13–24.
Hilber Ch. (2007). Why are homeownership rates so different across Europe?, 14th ERES Annual Conference Papers Series.
Jones L. D. (1990). Current wealth constrains on the housing demand of young owners, The review of Economics and Statistics, 76, pp. 424–432.
Kim K. and Joen J. S. (2012). Why do households rent while owning houses? Housing sub-tenure choice in South Korea, Habitat International, 36, pp. 101–107.
Kucharska-Stasiak, E., and Matysiak, G. A. (2004). The transition of the Polish real estate market within a Central and Eastern European context. Working paper.
Lee H., Myers D., Painter G., Thunell J. and Zissimopoulos, J. (2020). The role of parental financial assistance in the transition to homeownership by young adults, Journal of Housing Economics, 47, doi: 10.1016/j.jhe.2018.08.002.
Lennartz, C., Arundel, R. & Ronald, R. (2016). Younger adults and homeownership in Europe through the Global Financial Crisis, Population, Space and Place, 22 (8), pp. 823–835.
Lersch P. M. and Luijkx R. (2015). Intergenerational transmission of homeownership in Europe: Revisiting the socialization hypothesis, Social Science Research, 49, 327–342.
Lux M., Sunega P. and Kážmér L. (2018). Intergenerational financial transfers and indirect reciprocity: determinants of the reproduction of homeownership in the post-socialist Czech Republic, Housing Studies. doi: 10.1080/02673037.2018.1541441
Łaszek, J., Augustyniak, H., & Olszewski, K. (2016). FX mortgages, housing boom and financial stability – a case study for Poland (2005-2015). In The Narodowy Bank Polski Workshop: Recent trends in the real estate market and its analysis – 2015 edition.
Łaszek J., Olszewski K. and Augustyniak H. (2018). A simple model of the housing market and the detection of cycles, in J. Łaszek, K. Olszewski and R. Sobiecki (eds.) Recent trends in the real estate market and its analysis, SGH Warsaw School of Economics. Warsaw, pp. 87–102.
Łaszek J., Augustyniak H. and Olszewski K. (2021). The Development of the Rental Market in Poland in R. Sobiecki, J. Łaszek and K. Olszewski (eds.), Real Estate at Exposure. New Challenges, Old Problems. SGH Warsaw School of Economics. Warsaw, pp. 263–274.
Matel A. and Olszewski K. (2021). Housing trajectories before, during and after marriage – patterns and changing inequalities in a post-transformation country. Unpublished.
Matel A. (2021). Tenure status in life cycle cohorts in Poland, Real Estate Management and Valuation, 29 (3), (forthcoming).
McKee K., Moore T., Soaita A. and Crawford J. (2017). Generation Rent and the fallacy of choice, International Journal of Urban and Regional Research, 41 (2), pp. 318–333.
Mundra K. and Uwaifo-Oyelere R (2019). Homeownership trends among the never married, Housing Studies, 34 (1), pp: 162–187.
Mulder C. H. (2013). Family dynamics and housing: Conceptual issues and empirical findings, Demographic Research, 29, pp. 355–378.
Murphy, A. E. (2000). The ‘Celtic Tiger’ – An Analysis of Ireland’s Economic Growth Performance. Working Paper No. 2000/16. Florence: European University Institute.
Muzioł-Węcławowicz, A. (2013). Old Problems and New Dilemmas. Social housing in transition countries, 10, 195. In: Hegedüs J., Lux M and Teller N. (eds) Social Housing in Transition Countries, New York, London: Routledge.
NBP (2020a) Report on the situation in the housing and commercial real estate market in Poland in 2019. (Warsaw: Narodowy Bank Polski).
NBP (2020b). Situation in local residential real estate markets in Poland in 2019. (Warsaw: Narodowy Bank Polski).
Painter G., Gabriel S. A. and Myers D. (2001) Race, immigrant status and housing tenure choice, Journal of Urban Economics, 49 (1), pp. 150–167.
Rae D. and P. van den Noord (2006), Ireland’s Housing Boom: What has Driven it and Have Prices Overshot?, OECD Economics Department Working Papers, No. 492, OECD Publishing, Paris.
Rubaszek M. (2019). Private rental housing market underdevelopment: life cycle model simulations for Poland, Baltic Journal of Economics, 9 (12), pp. 334–358.
Skaburskis A. (1996). Race and tenure in Toronto, Urban Studies, 33 (2), 1996, pp. 223–252.
Statistics Poland (2021a). Registered unemployment, https://stat.gov.pl/en/topics/labour-market/registered-unemployment/ accessed on 1.03.2021.
Statistics Poland (2021b). Consumer tendency, https://stat.gov.pl/en/topics/business-tendency/business-tendency/consumer-tendency-march-2020,3,3.html accessed on 1.03.2021.
Strączkowski Ł. and Boruta M. (2018). Warunki i decyzje mieszkaniowe seniorów na lokalnym rynku nieruchomości, Zeszyty Naukowe Uniwersytetu Ekonomicznego w Krakowie, 3 (975), pp. 69–81.
Thomas M. J. and Mulder C. H. (2016). Partnership patterns and homeownership: a cross-country comparison of Germany, the Netherlands and the United Kingdom, Housing Studies, 31 (8), pp. 935–963.
Wozniak G. E. (2017). Facts and Myths on Restitution of Property in Poland, Loyola of Los Angeles International and Comparative Law Review (ILR), 41, 331.