Abstract

Housing tenure has often been taken-for-granted as consisting of dichotomous tenure types of owning and renting. This article critiques the owning-renting dichotomy through the lens of housing finance. It critically engages with three housing research programs wherein the owning-renting dichotomy is deep-seated: (a) the bundle of rights thesis, (b) comparative housing and welfare research, and (c) the ideology of housing. For each of them, the article first provides a brief recapitulation of the literature. It then explicates how they are constrained by the owning-renting dichotomy and why abandoning this dichotomy is necessary to transcend their limitations. Based on this, the article reveals a dialectical relation between owning and renting - the binary-oppositional attributes of owning and renting can be resolved with the changing relation of the occupant to financial markets. The article further proposes to re-conceptualize housing tenure as a relation of the occupant to financial markets and discusses the implications for reframing housing studies.

摘要

住房保有权通常被认为是理所当然的，由拥有和租赁的二分保有权类型组成。本文从住房金融的角度批评了拥有与租赁的二分法。它批判性地参与了三个住房研究项目，其中拥有和租赁二分法根深蒂固：（a）权利论文集，（b）比较住房和福利研究，以及（c）住房意识形态。对于他们中的每一个，本文首先提供了文献的简要概述。然后，它解释了他们如何受到拥有和租赁二分法的限制，以及为什么必须放弃这种二分法才能超越他们的局限性。基于此，文章揭示了拥有和租赁之间的辩证关系——拥有和租赁的二元对立属性可以随着居住者与金融市场关系的变化而得到解决。本文进一步建议将住房保有权重新概念化为居住者与金融市场的关系，并讨论了重新构建住房研究的影响。