Wspólnie czy indywidualnie? Na własność czy wynajem? Wszystkim czy wybranym? Dylematy współczesnej polskiej polityki mieszkaniowej

Abstract

The article contains an overview of the housing situation in Poland in three dimensions: the availability of housing, the capacity to buy or rent a dwelling and the quality of housing standards in the context of the national and local housing policies. It begins with an assessment of the scale and dynamics of residential investment in Poland over the last 30 years. In the next part, the author estimates the economic return on housing investments, stressing that expectations as to the growth of housing prices in Poland are the key determinant of investment decisions. As the analysis shows, the promotion of housing ownership has had negative social effects and, with temporarily cheap and available money, has fuelled the growth of housing prices.