FINANCIRANJE STAMBENOG ZBRINJAVANJA U HRVATSKOJ : Završni rad

Kao glavni problem istraživanja ovog rada postavilo se utvrđivanje i opisivanje pojedinih modela financiranja stambenog zbrinjavanja kroz teoretski i praktični dio analizirajući situaciju u Hrvatskoj i izabranim članicama EU-a. Iako Hrvatska gradi socijalne stanove putem programa POS te subvencionira stambene kredite uočene su značajne razlike u stambenom zbrinjavanju Hrvatske i analiziranih država Nizozemske, Austrije i Danske. Navedene zemlje imaju najveći udio socijalnog stambenog fonda, dok je kod Hrvatske taj udio izuzetno mali te postoji potreba za razvijanjem socijalnih modela. Ponuda novih stambenih objekata je kontrolirana i spora te ne prati potražnju posebno u razvijenim mjestima Hrvatske poput turističkih središta. U ograničenim uvjetima ponude potrebno je razmotriti modele koji će građanima srednjeg i nižeg dohotka omogućiti najam stanova po ispod tržišnim cijenama kao što je slučaj u izabranim državama EU.The research focus of this thesis is on the identification and description of individual models of housing financing solutions through the theoretical and practical part, analyzing the situation in Croatia and the selected EU members. Although Croatia builds social housing through the POS program and subsidizes housing loans, significant differences were observed in the housing of Croatia and the analyzed countries of the Netherlands, Austria and Denmark. These countries have the largest share of social housing, while in Croatia this share is extremely small and there is a need to develop social models. The supply of new housing is controlled and slow and does not follow the demand, especially in developed places in Croatia, such as tourist centers. In limited supply conditions, it is necessary to consider models that will allow middle- and lower-income citizens to rent apartments at below market prices, as is the case in selected EU countries