The Suburbanization of Poverty: Homeownership Policies and Spatial Inequalities in France

La périurbanisation de la pauvreté: politique de soutien à la propriété et inégalités socio-spatiales en France

Laurent Gobillon, Anne Lambert and Sandra Pellet
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Anne Lambert: INED - Institut national d'études démographiques

PSE-Ecole d'économie de Paris (Postprint) from HAL

Abstract: This article examines the role played by assisted loans in the access to homeownership and in the residential segregation of low-income households in France. During the 1996-2006 period, no-interest loans affected 1.4 million households and were the main policy tool favoring homeownership. We rely on French housing surveys (INSEE) and administrative records on no-interest loans (SFGFAS) to compare the position of social groups in the housing market before and after the introduction of no-interest loans. We show that, in a context of increasing housing prices, no-interest loans have limited the exclusion of lower- and middle-class households from the new-build housing market, especially outside the Paris region. Nevertheless, households with no-interest loans tend to relocate to peripheral areas characterized not only by a lower proportion of professionals and managers relative to central areas, but also by lower access to public transportation, the childcare system, high schools, and job opportunities. Moreover, in-depth interviews at the individual level suggest that low-income households had no clear perception of the social and physical disconnections they would experience when purchasing their new homes.

Keywords: Assisted loans; Homeownership; Segregation; Suburbanization; Inequalities; Prêts aidés; Accès à la propriété; Ségrégation; Périurbanisation; Inégalités; France (search for similar items in EconPapers)
Date: 2022-03
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Published in Population (édition française), 2022, 77 (2022/1), pp.7-52. ⟨10.3917/popu.2201.0007⟩

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Related works:
Working Paper: The Suburbanization of Poverty: Homeownership Policies and Spatial Inequalities in France (2022)
Working Paper: The suburbanization of poverty: Homeownership policies and spatial inequalities in France (2019)
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Persistent link: https://EconPapers.repec.org/RePEc:hal:pseptp:halshs-03761475

DOI: 10.3917/popu.2201.0007

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