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L’évolution en Europe du profil des ménages propriétaires pendant la crise

Author

Listed:
  • Pierre Madec

    (Observatoire français des conjonctures économiques)

  • Sabine Le Bayon

    (Observatoire français des conjonctures économiques)

Abstract

La volonté de posséder son « chez soi » et de se constituer un patrimoine est largement généralisée en Europe. La baisse des taux d’intérêt au cours des années 2000 et la concurrence accrue entre établissements bancaires ont favorisé la distribution du crédit, avant que la crise financière de 2007 ne remette en question ces évolutions. Malgré des mesures publiques de soutien au secteur immobilier, la chute du crédit (dans un contexte d’assainissement du bilan des banques et de ralentissement de la croissance du revenu des ménages) s’est accompagnée, après une décennie de boom immobilier, d’une baisse des prix immobiliers dans de nombreux pays européens. L’exception notable étant l’Allemagne où après dix ans de baisse, les prix se sont stabilisés au milieu des années 2000 et remontent même depuis 2010. Face à ces évolutions, nous observons ici dans quelle mesure d’une part la mobilité des ménages a évolué et d’autre part comment le contexte macroéconomique a modifié le profil des ménages qui achètent.

Suggested Citation

  • Pierre Madec & Sabine Le Bayon, 2014. "L’évolution en Europe du profil des ménages propriétaires pendant la crise," Sciences Po publications info:hdl:2441/taltkaiqv9i, Sciences Po.
    • Handle: RePEc:spo:wpmain:info:hdl:2441/taltkaiqv9itbvarglrgpvr65
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    References listed on IDEAS

    as
    1. Jean Bosvieux, 2005. "Accession à la propriété : des acquéreurs plus nombreux mais prudents," Économie et Statistique, Programme National Persée, vol. 381(1), pages 41-61.
    2. Bernard Vorms, 2014. "Vers un monde de propriétaires ? Politique du logement et statuts d'occupation en France et à l'étranger," Revue d'économie financière, Association d'économie financière, vol. 0(3), pages 69-86.
    3. Timo Zumbro, 2014. "The Relationship Between Homeownership and Life Satisfaction in Germany," Housing Studies, Taylor & Francis Journals, vol. 29(3), pages 319-338, April.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    Propriétaires (logement); Ménages français; Financement du logement;
    All these keywords.

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • E21 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Consumption; Saving; Wealth
    • R21 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Household Analysis - - - Housing Demand
    • R31 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Real Estate Markets, Spatial Production Analysis, and Firm Location - - - Housing Supply and Markets
    • R38 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Real Estate Markets, Spatial Production Analysis, and Firm Location - - - Government Policy

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