|
|
2003:5 Objective and Subjective Assessments of the Financial Accessibility of Housing in the Czech Republic during the 1990s |
Petr Sunega |
|
This study looks at assessments of the financial accessibility of housing in the Czech Republic over the course of the 1990s, drawn from two mutually complementary perspectives: on the basis of verified data, detailing the levels of household income and expenditures and how they have evolved during the period under observation (objective perspective), and on the basis of the subjective responses given by respondents regarding how they assess their expenditures on housing and the level of these expenditures in relation to their household income (subjective perspective). The purpose of this is to verify whether households that, from the objective perspective, are considered to be the most at risk, owing to expenditures on housing, also genuinely identify themselves as such, and to examine what factors influence the respondents’ subjective perception of their level of expenditures on housing. To this end, data from the Accounts Statistics for Families from the Czech Statistical Office was used, along with CVVM omnibus surveys from 1995 – 2001, and data from the study Attitudes towards Housing in the Czech Republic 2001, carried out by the Socio-economic Housing team at the Institute of Sociology AS CR in 2001.
Summary
This study looks at assessments of the financial accessibility of housing in the Czech Republic over the course of the 1990s, drawn from two mutually complementary perspectives: on the basis of verified data, detailing the levels of household income and expenditures and how they have evolved during the period under observation (objective perspective), and on the basis of the subjective responses given by respondents regarding how they assess their expenditures on housing and the level of these expenditures in relation to their household income (subjective perspective).
In analysing the financial accessibility of housing over the course of the 1990s using data from the Czech Statistical Bureau, in the case of the rental sector of housing the so-called indicator and residual approach was employed, and in the assessment of the financial accessibility of privately owned housing three different approaches were used: 1) the ratio of the price of new privately owned housing to household income, 2) the lending multiplier concept, and 3) the financial strain of total loan payments for acquiring privately owned housing. In the assessment of the financial accessibility of rental housing in particular data samples were modified in order to eliminate some of their well-known defects (e.g. including expenditure on secondary housing into total household expenditures on housing, not taking into account the level of housing subsidy, not taking into consideration overconsumption of housing or incomes from the informal economy, and above all inexact figures on the level of rent of the indicated household given by those living in rental flats), which could cause a significant distortion in the results attained. The results reveal that over the course of the 1990s households in the rental-housing sector attained significantly higher values in terms of the degree to which they are burdened by expenditures on housing in comparison with households from the sector of privately owned housing. Among the groups most at risk due to expenditures on housing are households made up of senior citizens (especially single-member), households of individuals (especially women), incomplete families and families without an economically active head, and households with only one economically active member.
The subjective statements made by respondents, and their assessments of the burden that expenditures on housing represents to them, confirmed that households classified on the basis of objective data as being the most at risk due to housing expenditure also genuinely identify themselves as such. In other words, the highest proportion of respondents who assessed their expenditures on housing in relation to the level of household income as being high, or who had a problem with its level, was found among senior citizens and the working class. From the perspective of the legal relationship to the house/flat occupied, the most critical attitude towards the level of expenditures on housing was expressed by tenants and persons with another legal form of occupancy (subtenants, persons accommodated in hostels and dormitories etc.). In the assessment of the level of expenditures on housing in relation to the level of household income, a respondent‘s personal characteristics play a secondary role in comparison with the actual level of income and expenditures on housing (or related factors). The most frequently used methods people have for dealing with the problem of high housing expenditure is restricting their energy consumption and limiting consumption in areas other than housing. People who occupy rental flats privately owned by renters are surprisingly less critical in the assessment of the level of expenditure on rent in relation to household income than are people who occupy rented council flats, and yet, this fact cannot be explained by any differences in their levels of income or expenditures on housing. One of the possible explanations is the better experiences of tenants in privately owned flats in negotiating with building owners. Tenants in council houses also considerably more often than tenants in privately owned flats consider their current level of rent sufficient to cover the costs connected with the general operation and maintenance of the building and the costs related to its modernisation and reconstruction. A positive assessment of the level of rent with regard to the quality and location of the flat is expressed in particular by people with higher education, people from higher income categories, those satisfied with the relative size of the flat, the dominant material used in its construction, the quality of the windows and insulation, and those also satisfied with the accessibility of green areas in the building’s vicinity.
Keywords
financial accessibility of housing, overconsumption of housing, citizens’ attitudes, expenditures on housing, perceptions of expenditures on housing
|
Objektivní a subjektivní hodnocení finanční dostupnosti bydlení v ČR v průběhu 90. let |
|
|
|
2008:5 The Perception and Construction of Social Distance in Czech Society |
2008:4 Social Distances and Stratification: Social Space in the Czech Republic |
2008:3 Evolution and Determination of Educational Inequalities in the Czech Republic between 1955 and 2002 in the European Context |
2008:2 Actors of Local Development - Orlicko |
2008:1 The Political Awareness of Citizens: Theories, Measurements and the Role of Political Awareness in the Study of Political Attitudes |
2007:11 A Permanent or Temporary Change? The Arrangement of Gender Roles in Families with Fathers Participating in Childcare |
2007:10 Participation and Partnership in Local Public Administration |
2007:9 Family Friendly Working Conditions in an International Comparison |
2007:8 The Political Impact of Suburbanisation |
2007:7 Fathers, Mothers and Caring for Children after Divorce |
2007:6 The Foreign Migration of Scientists and Researchers and the Tools for Influencing Migration |
2007:5 The Representation of Different Forms of Family and Working Life in Women’s and Men’s Magazines |
2007:4 Czech Labour Market: Changing Structures and Work Orientations |
2007:3 The Relationship between Changes in the Labour Market and Private, Family and Partnership Life |
2007:2 The Institutional Background of Czech Sociology before the Onset of Marxism |
2007:1 Educational Aspirations in a Comparative Perspective. The role of individual, contextual and structural factors in the formation of educational aspirations in OECD countries |
2006:14 Work and Family Roles and How They Are Combined in the Lives of Czech Parents: Plans versus Reality |
2006:13 The Representation of Parenthood and Childlessness in Selected Women’s and Men’s Magazines |
2006:12 Social Solidarity from the Perspective of the Czech Public |
2006:11 Science as a public matter: science policies and the media |
2006:10 The Issue of Minorities in the Czech Republic: Community Life and the Representation of Collective Interests (Slovaks, Ukrainians, Vietnamese, and Roma) |
2006:9 Social Standing and Lifestyle in Czech Society |
2006:8 The Image of Science in Czech Public Opinion |
2006:7 Social Capital. Concepts, Theories, and Methods of Measurement |
2006:6 Basic Features of the Membership Base of KDU-ČSL |
2006:5 Non-Marital Fertility in the Czech Republic after 1989: The Social and Economic Context |
2006:4 The Phenomenon of Childlessness in a Sociological and Demographic Perspective |
2006:3 Participation, Democracy and Citizenship in a European Context |
2006:2 Autonomy and Cooperation: Effect of the Municipal System Established in 1990 |
2006:1 Socio-economic Values, Policies, and Institutions in the Period of the Czech Republic’s Accession to the European Union |
2005:06 Civil Society in the Regions of the Czech Republic |
2005:05 Civil Society and Civic Participation in the Czech Republic |
2005:04 Work/Life Balance in the Czech Republic: Policy, Time, Money, and Individual, Family, and Company Practices |
2005:03 Regional Elites 2004 |
2005:02 Political Behavior in Metropolitan Areas in the Czech Republic between 1990 and 2002 – Patterns, Trends and the Relation to Suburbanization and Its Socio-Spatial Patterns |
2005:01 Measuring Value Orientations with the Use of S.H. Schwartz’s Value Portraits |
2004:11 The Formation of Group Mentalities in the Czech Republic after 1989 |
2004:10 Hierarchy as the Strength and the Weakness of Communist Rule. The Legacy of Communist Rule IV: A Volume of Papers from the Seminar Held in Prague on September 11-12, 2003 |
2004:9 Czech National Identity after the Break Up Czechoslovakia and before Accession to the European Union |
2004:8 Life Strategies of Businesswomen and Businessmen at the Turn of the Millennium |
2004:7 Attitudes towards Marriage, Parenthood and Family Roles in the Czech Republic and in Europe |
2004:6 Life Satisfaction: Family,Work, and Other Factors |
2004:5 What Faith? Contemporary Czech Religiosity/Spirituality in the Perspective of Qualitative Sociology of Religion |
2004:4 Structural Tensions in the Interface between the Labour Market and Social Policy in the Czech Republic |
2004:3 Metropolitan Areas in the Czech Republic – Definitions, Basic Characteristics, Patterns of Suburbanisation and Their Impact on Political Behaviour |
2004:2 International Violence Against Women Survey – Czech Republic/2003: Sociological Research on Domestic Violence |
2004:1 Elections to the European Parliament in 2004 – An Analysis of Electoral Participation and Party Support in the Czech Republic |
2003:12 Hierarchy as a Strength and Weakness of Communist Rule |
2003:11 How the Czech Public Views the Elites the Political and Economic Elites |
2003:10 The Reconstruction of Communist Rule at the End of the 1980s |
2003:9 Women’s Civic and Political Participation in the Czech Republic and the Role of European Union Gender Equality and Accession Policies |
2003:8 Pre-election polls, election results, and validity of measurement before the 2002 elections |
2003:7 Party Preference Surveys, Their Application in Society and the Issue of Quality |
2003:6 The Transformations of Czech Socio-economic Values at the Turn of the Century |
2003:5 Objective and Subjective Assessments of the Financial Accessibility of Housing in the Czech Republic during the 1990s |
2003:4 Entry into Marriage and Unmarried Cohabitation in the Czech Republic since 1989 in Connection with Education |
2003:3 Work and Job Values in CEE and EU countries |
2003:2 Intergenerational Biographic Configurations of the Inhabitants of the NISA Euroregion |
2003:1 Structurally Generated Growth of Inequality |
2002:13 Public Opinion Surveys – Theoretical Aspects and Practical Application |
2002:12 Group Mentalities |
2002:11 The World of Hierarchies and Real Socialism. The legacy of communist rule II: volume of contributions investigating of social hierarchies |
2002:10 Social Context of the Lives of Women Working in Management Positions |
2002:09 Parties in the Parliament. Why, When and How do Parties act in Unity? |
2002:08 Life strategies of women managers: case study |
2002:07 Region and Politics |
2002:06 The World of Hierarchies and Really Existing Socialism |
2002:05 Housing Careers in the Czech Republic 1960 - 2001 |
2002:04 Re-emigrants and Socially Shared Values |
2002:03 Satisfaction with Housing among the Czech Population |
2002:02 The Family Origin on the Evolution of Educational Inequalities in the Czech Republic after 1989 |
2002:01 The Rise and Evolution of the New Elites in the Czech Republic (from the end of the 1980´s to the spring of 2002) |
2001:12 Who´s afraid of Hierarchies? The Legacy of the Communist Government |
2001:11 11th September. International On-line Communication Research |
2001:10 Fertility and Family Differentiation in Europe |
2001:09 The rise or decline of political regionalism? Changes of voting patterns in period 1992 to 1998 - the comparison of the Czech Republic and Slovakia |
2001:08 Cross-cutting Cleavages in the Czech Republic. A Comparison of the National Level with a Specific Regional Example |
2001:07 Roma Issues: An Obstacle to Entry of the Czech Republic into the European Union? |
2001:06 ISSP- The Environment |
2001:05 Distribution of Earnings and Income in Transitional Czech Republic |
2001:04 The Bearers of Development of the Cross-Border Community on Czech-German Border |
2001:03 Rent Subsidies in the Czech Republic: A Comparison of Selected Models |
2001:02 The Role Of Political, Social and Cultural Capital in Secondary School Selection in Socialist Czechoslovakia, 1948-1989 |
2001:01 Income maintenance policies, houshold characteristics and work incentives in the Czech republic |
2000:07 Work and Family Experience of Young Female Doctors |
2000:06 Development of the Czech Social Structure in the Years 1988-1999 |
2000:05 Party identifikation in the Czech republic |
2000:04 What makes inequalities legitimate? An International Comparison |
2000:03 Religion and Supernature in Society |
2000:02 Transformation and Modernization of Society on Examples of Selected Institutions |
2000:01 The Housing Policy Changes and Housing Expenditures in the Czech Republic |
1999:11 Geografic Analysis of the Czech Republic Borderland. |
1999:10 Rise and Decline of Right-Wing Extremism in the Czech Republic in the 1990s. |
1999:09 Perceived and fair inequalities: development in the nineties and further coherences |
1999:08 The Czechoslovak citizens' attitudes towards democracy in 1968 |
1999:07 The Czech Middletown Citizens |
1999:06 A Man in a Family – Democratisation of Private Sphere |
1999:05 Development of the Policy of Equal Opportunities of Men and Women in the Czech Republic within the European Integration Context |
1999:04 Actors of Over-frontier Community Development in the Czech - German Borderland |
1999:03 Acquaintances of Local Political Leaders |
1999:02 Housing Market, its Regional Differences and Relations to Social Structure |
1999:01 The Fluctuation of Public Opinion between Years 1990 and 1998 |
1998:06 Modernizační kontext transformace, strukturní a institucionální aspekty |
1998:05 Deputies of the First Czech Parliament (1992-1996) |
1998:04 |
1998:03 Transformation of Czech Family |
1998:02 Results of a Czech-Slovak Comparison: Actors of Social Transformation and Modernisation. Attitudes of Individuals an Institutions to Social Transformation |
1998:01 Trh s bydlením a jeho sociální souvislosti - situace v Praze a Brně |
1997:08 The Family and Change of Gender Roles |
1997:07 The territorial dimension of public administration reforms in East Central Europe |
1997:06 Czech Women in the Labor Market Work and Family in a Transition Economy |
1997:05 |
1997:04 Mass Privatization, Distributive Politics, and Popular Support for Reform in the Czech Republic |
1997:03 |
1997:02 |
1997:01 Political, Organizational and Policy Transformation at the Municipal Level: The Case of Liberec |
1996:12 Osidlování českého pohraničí od května 1945 |
1996:11 Individuální kontakty obyvatel na česko-německé hranici |
1996:10 Socio-Economic Changes in the Czech Republic with an Appendix concerning the 1996 Elections´ Results |
1996:09 Národní identita |
1996:08 Politics, Skills and Industrial Restructuring. Introductory Findings on Local Institutions of Human Resources Development in Czech Machinery Indrustry |
1996:07 Subjective Mobility and Perception of Life Chances in Eastern Europe. Empirical evidence against a Marxist view of relationships between subjective and objective mobility |
1996:06 Zpráva o vývoji sociální struktury české a slovenské společnosti 1945-1993 |
1996:05 Tripartita jako model prostředkování zájmů v politickém systému České republiky |
1996:04 Národnostní a etnické vztahy v českém pohraničí - obraz Čecha, Němce, Rakušana a Roma ve vědomí obyvatel |
1996:03 The Making of Post-Communist Elites in Eastern Europe. A comparison of political and economic elites in the Czech Republic, Hungary and Poland |
1996:02 Sudetoněmecká otázka v názorech a postojích obyvatel českého pohraničí |
1996:01 Demografické chování obyvatelstva České republiky během přeměny společnosti po roce 1989 |
1995:08 Česká republika v roce 1994. Politická ročenka |
1995:07 Problém normativity a policejní represe v předlistopadovém Československu |
1995:06 Industriální vztahy a sociálně politické orientace českých dělníků a manažerů |
1995:05 Rozdíly v chování regionálních populací a jejich příčiny |
1995:04 Women, Work and Society |
1995:03 Trh práce a jeho potenciál |
1995:02 Etnické a národnostní vztahy v pánevní oblasti severních Čech (s důrazem na romskou problematiku) |
1995:01 In Search of Explanations for Recent Left-Turns in Post-Communist Coutries |
1994:09 Česká republika v roce 1993. Politická ročenka |
1994:08 Large-Scale Privatization: Social Conflict and Consensus |
1994:07 Economic Inequalities Old and New: The Czech Case |
1994:06 Prostředky kauzálního modelování v sociologii. Shrnující pojednání o postupech a přehled základních pojmů |
1994:05 Regionální diferenciace sociálních problémů v České republice |
1994:04 A Historical Comparison of Social Structures in the Czech Republic in 1984 and 1993 |
1994:03 Přeshraniční souvislosti sociálních změn v oblasti české části euroregionu Chebsko |
1994:02 Social and Political Transformation in the Czech Republic |
1994:01 Lotus Organizátor. Uživatelská příručka |
1993:09 Sociální a mzdové problémy zaměstnanců malých a středních soukromých podniků |
1993:08 Sociální postavení rodiny jako základního činitele a adresáta sociální pomoci |
1993:07 Changing Conditions - Changing Values? Changes in the position and perception of education during the post-communist transformation: the case of the Czech Republic |
1993:06 Perceptions of Justice. Principles of Distributive Justice in Comparative Perspective |
1993:04 Revolution for Whom? Analysis of selected patterns of intragenerational mobility in the Czech Republic |
1993:04 Revolution for Whom? Analysis of selected patterns of intragenerational mobility in the Czech Republic |
1993:03 RODINA ´89. Determinanty ekonomického úspěchu v první fázi postkomunistické transformace. Česká republika 1989-1992 |
1993:02 RODINA '89. Determinanty ekonomického úspěchu v první fázi post-komunistické transformace. Česká republika 1989-1992 |
1993:01 Microsoft Word verze 5.5. Uživatelská příručka |
1992:09 Historical Comparison of Social Stratification Types in Czechoslovakia 1967-1991 |
1992:08 Rodina '89. Úloha mentálních schopností a sociálního původu ve formování vzdělanostních aspirací |
1992:07 The Zero Generation of Small Business Owners in Czechoslovakia |
1992:06 Time Use of Small Business Owners. Results and Methodological Comments |
1992:05 Perception of Changing Inequality in Czechoslovakia |
1992:04 Vybrané kapitoly z uživatelské příručky Microsoft Word verze 5.0 |
1992:03 Politické strany a hnutí v Československu |
1992:02 Politische Partien und Bewegungen in der Tschechoslowakei |
Prague in the New Central Europe. International conference 2-4 June 1990 |
1991:09 Vybrané kapitoly z uživatelské příručky Microsoft Word verze 5.0 |
1991:08 Nultá podnikatelská generace |
1991:07 Rodina '89. Zdroje vzdělanostních nerovností |
1991:06 Hodnotové orientace československé mužské mládeže a jejich vztah k obraně vlasti |
1991:05 Gender and the Employment of Higher Education Graduates in Czechoslovakia |
1991:04 Územní vztahy, územní a státoprávní uspořádání České republiky v názorech obyvatel |
1991:03 Social Problems of Participation in the Changing Czechoslovak Economy |
1991:02 K postavení žen v československé společnosti |
1991:01 Socialist Czechoslovakia - System Error and Premises for Change |
1990:06 Názory na rozvoj soukromého podnikání |
1990:05 Growing interest in informal work - consequences for time use research. XIIth World Congress of Sociology, Madrid 1990, Thematic Group 1, Time Use Research |
1990:04 Value-satisfaction Model and the Value of Innovation |
1990:03 Who Gains and Who Loses in a Socialist Redistribution |
1990:02 Ženy a volby '90 |
1990:01 Beyond Educational Inequality in Czechoslovakia |
1989:02 Československá varianta Mezinárodní standardní klasifikace zaměstnání (ISCO) |
1989:01 Family Effect on Educational Attainment in Czechoslovakia, Hungary and the Netherlands |
|
|