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Immobilienverzehrprodukte: Potenzielle Profiteure und Nachfragehemmnisse

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  • Maier, Andreas

Abstract

In der wirtschaftswissenschaftlichen Literatur wird das ökonomische Potenzial von Immobilienverzehrprodukten vielseitig diskutiert. Obwohl diesen Produkten aus wohlfahrts-theoretischen Gesichtspunkten eine hohe Bedeutung beigemessen wird, zeigt die empirische Evidenz, dass die Nachfrage weit hinter den Erwartungen zurückbleibt. Die neoklassischen Ansätze können die Diskrepanz zwischen tatsächlicher und potenzieller Nachfrage teilweise erklären, zum besseren Verständnis ist es jedoch notwendig auch auf verhaltenswissen-schaftliche Theorien zurückzugreifen. In der nachfolgenden Arbeit werden unterschiedliche Theorien vorgestellt und ein Beitrag zur Erklärung der Diskrepanz zwischen potenzieller und tatsächlicher Nachfrage in Deutschland geleistet. Dazu wurde eine direkte Befragung mit Interessenten und Rentenbeziehern durchgeführt. Die Untersuchung gibt erste empirische Evidenz über die sozioökonomischen Charakteristika, Nachfragehemmnisse und Präferenzen von potenziellen Profiteuren in Deutschland. Die daraus gewonnenen Erkenntnisse ermöglichen es Investoren, bedarfs-gerechte Produkte zu entwickeln. Dies ist der Diffusion von Immobilienverzehrprodukten dienlich.

Suggested Citation

  • Maier, Andreas, 2010. "Immobilienverzehrprodukte: Potenzielle Profiteure und Nachfragehemmnisse," Thuenen-Series of Applied Economic Theory 115, University of Rostock, Institute of Economics.
  • Handle: RePEc:zbw:roswps:115
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    More about this item

    Keywords

    Leibrenten; Reverse Mortgage; Wohneigentum; Demografischer Wandel;

    JEL classification:

    • G1 - Financial Economics - - General Financial Markets
    • G2 - Financial Economics - - Financial Institutions and Services
    • J1 - Labor and Demographic Economics - - Demographic Economics
    • R2 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Household Analysis

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