Housing is increasingly seen as a vehicle for wealth accumulation rather than a social good. ‘Financialization’ of housing refers to the expanding and dominant role of financial markets and corporations in the field of housing, leading to unaffordable and insufficient housing and discrimination. Although clearly linked to the right to adequate housing, financialization and its effects are not often viewed from a human rights perspective. This article fleshes out this important link by illuminating the standards set in relation to the right to adequate housing enshrined in Article 11(1) ICESCR. It is shown that recently, human rights bodies have confronted the issue of financialization more directly, translating general requirements to this particular issue. Moreover, efforts at UN level are mirrored in initiatives at the local level, signalling the beginning of a shift towards a paradigm that complies with human rights. The financialization of housing and the response of human rights also allow for addressing a more general issue, namely the potential of majority protection in times of human rights backlash. In this regard, it is worth emphasising that human rights such as the right to adequate housing protect not only the extreme poor. In the context of financialization, this may contribute to better housing conditions as well as reconnect people to their human rights.

中文翻译：

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面对住房部门的金融化：人人享有适足住房的人权

住房越来越被视为财富积累的工具，而不是社会福利。住房“金融化”是指金融市场和企业在住房领域的扩张和主导作用，导致住房负担不起、不足和歧视。尽管与适足住房权有着明确的联系，但金融化及其影响往往不是从人权的角度来看待的。本文通过阐明《经济、社会和文化权利国际公约》第 11 条第 1 款规定的与适足住房权相关的标准，充实了这一重要环节。最近，人权机构更直接地面对金融化问题，将一般要求转化为这个特定问题。此外，联合国层面的努力也反映在地方层面的举措中，标志着向符合人权的范式转变的开始。住房的金融化和人权的回应也有助于解决一个更普遍的问题，即在人权强烈反对时期保护多数人的潜力。在这方面，值得强调的是，适足住房权等人权不仅保护极端贫困者。在金融化的背景下，这可能有助于改善住房条件，并使人们重新享有人权。值得强调的是，适足住房权等人权不仅保护极端贫困者。在金融化的背景下，这可能有助于改善住房条件，并使人们重新享有人权。值得强调的是，适足住房权等人权不仅保护极端贫困者。在金融化的背景下，这可能有助于改善住房条件，并使人们重新享有人权。