Homeownership rates have declined in several countries including Denmark and Turkey since 2010. A majority of the decline in homeownership has been observed among low income holders. This variation finding comparative case study compares similar patterns of neoliberal housing policies to examine wealth inequalities based on homeownership despite fundamental differences in housing markets and welfare state provision. The comparison of Denmark and Turkey reveals similar adoption of policies that support financialization as a strategy to recover from financial crises. This paper examines how states have supported financialization with policies that allowed deregulations in the housing market to create an enabling environment for construction and real estate-specific growth, and how neoliberal housing policies positioned homeownership, a wealth symbol, as the core tenet of asset-based welfare that increased wealth inequalities. The outcome of this paper shows that neoliberal housing policies have generated new forms of inequality between low and high-income earners to access housing in both countries in different ways to produce a similar outcome.

自 2010 年以来，包括丹麦和土耳其在内的多个国家/地区的房屋拥有率均有所下降。房屋拥有率的下降主要发生在低收入人群中。这一发现差异的比较案例研究比较了新自由主义住房政策的类似模式，以检验基于住房所有权的财富不平等，尽管住房市场和福利国家提供存在根本差异。对丹麦和土耳其的比较揭示了采用类似的支持金融化的政策作为从金融危机中恢复的战略。本文研究了各州如何通过允许放松对房地产市场的管制从而为建筑和房地产特定增长创造有利环境的政策来支持金融化，以及新自由主义住房政策如何将房屋所有权定位为财富的象征，作为增加财富不平等的基于资产的福利的核心原则。本文的结果表明，新自由主义住房政策在低收入者和高收入者之间产生了新形式的不平等，以不同的方式在这两个国家获得住房以产生相似的结果。