Kansrijke aanpassingen van de huurregulering: Het vergroten van het aanbod huurwoningen voor de lage midden-inkomens

A large social-housing sector, a large owner-occupier sector and a very small private rental housing sector. This phenomenon has already occurred in the Netherlands since WWII. The Netherlands have known times in which the LTV ratio of mortgages reached a height of 120%, with the result that many residences nowadays have a lower market value than the value of their mortgage. Recently, the Financial Stability committee presented a report as advisory body of the Dutch Government in which they advocate for a step-by-step reduction of the mortgage limit to a maximum of 90%. This should prevent significant residual debts from home-owners in times of a new crisis in the housing market. Due to this measure, starters will have to save for an additional three years on average before they are eligible for a mortgage. In the meantime they should be able to accommodate themselves in the private rental housing sector. The expected development of the private rental housing demand is between 80% - 200% and with the limitations of the maximum mortgage this demand relates to an increase of 90.000 - 190.000 dwellings. Investors have still not substantially invested in the private rental housing sector. What keeps them from investing in this particular housing sector? To which extent does the rent regulation play an inhibitory role? This research is focussing on adjustments within the rent regulation, which leads us to the following research question: How can adjustments within the rent regulation contribute to increase the private rental housing supply for low moderate income households? Research has shown that there are differences in effects from rent regulation on large investors and small/local investors and that there are different effects in regions with a high market pressure or a low market pressure. The Dutch housing market lends itself for attracting more small and local private investors with (temporary) laws and regulations following the examples from England (Buy to Let), France (Tax benefits) and Germany (Subsidies).HousingReal Estate & HousingArchitecture and The Built Environmen