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作者

Hanan Haber;Nir Kosti;David Levi-Faur

来源

HOUSING STUDIES,Vol.34,Issue3

语言

英文

关键字

作者单位

Department of Government and the Centre for the Analysis of Risk and Regulation (CARR), London School of Economics and Political Science, London, UK;Department of Political Science, Hebrew University of Jerusalem, Jerusalem, Israel;Department of Political Science, Hebrew University of Jerusalem, Jerusalem, Israel

摘要

The study and provision of welfare have long been synonymous with direct social spending. The provision of welfare through regulatory means poses a complementary perspective to the study of social policy. In this context, this paper focuses on policies aimed at preventing mortgage borrowers’ eviction and repossession in Singapore, a world leader in state-led owner occupancy but a welfare laggard in terms of social spending. The findings show a disparity between a high rate of arrears on housing credit, and a low level of eviction and repossession. We test several explanations for this disparity, and argue that it is the result of policy aiming to minimize eviction and repossessions. This policy is driven by institutional interdependencies within the state, which have tied citizens’ housing credit to other aspects of their individual welfare savings. The findings shed light on the central role of regulation in welfare.