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Die Freiburger Zwei-Flanken-Strategie zur Wohneigentumsförderung

Author

Listed:
  • Bernd Raffelhüschen
  • Jörg Schoder

Abstract

Mit der Freiburger Zwei-Flanken-Strategie bringen Prof. Dr. Bernd Raffelhüschen und Jörg Schoder, Universität Freiburg, ein Konzept zur Wohneigentumsförderung in die Diskussion ein, das der doppelten Funktion des Wohneigentums, Alters- und Generationenvorsorge, und der Notwendigkeit einer verstärkten privaten Vorsorge zur Abfederung des zu erwartenden Alterungsprozesses Rechnung tragen soll. Grundidee ihres Reformvorschlags ist es, den Individuen eine Wahlfreiheit einzuräumen, welche Förderung sie in Anspruch nehmen möchten. Bei einer Entscheidung für Immobilien als Form der Altersvorsorge erfolgt eine Förderung gemäß dem AVmG, bei vollständiger Gleichstellung der Immobilien mit den bislang zertifizierten Vorsorgeprodukten. Durch die Gleichstellung des Wohneigentums könnten die bisherigen Formen der (An-)Sparförderung (Wohnungsbauprämie und der Arbeitnehmersparzulage) ersetzt werden. Ist hingegen mit der Wohneigentumsbildung ein Beitrag zur Generationenvorsorge beabsichtigt, so wird diese mit einer »Generationenzulage« gefördert, allerdings nur für Familien mit Kindern bei geringeren Grund- und höheren Kinderzulagen.

Suggested Citation

  • Bernd Raffelhüschen & Jörg Schoder, 2004. "Die Freiburger Zwei-Flanken-Strategie zur Wohneigentumsförderung," ifo Schnelldienst, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 57(04), pages 3-6, February.
    • Handle: RePEc:ces:ifosdt:v:57:y:2004:i:04:p:3-6
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    References listed on IDEAS

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    1. Alan J. Auerbach & Laurence J. Kotlikoff & David N. Weil, 1992. "The Increasing Annuitization of the Elderly- Estimates and Implications for Intergenerational Tranfers, Inequality, and National Saving," NBER Working Papers 4182, National Bureau of Economic Research, Inc.
    2. Tilman Alexander von Roncador, 2000. "Droht eine neue Wohnungsnot?," ifo Schnelldienst, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 53(10), pages 03-07, April.
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    More about this item

    Keywords

    Wohneigentum; Wohneigentumspolitik; Alterssicherung; Deutschland;
    All these keywords.

    JEL classification:

    • L85 - Industrial Organization - - Industry Studies: Services - - - Real Estate Services

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