The road to tenure neutral policies
|
|
- Irene Pearson
- 8 years ago
- Views:
Transcription
1 The road to tenure neutral policies Stop promising universal home ownership Marja Elsinga September 11, Delft University of Technology Challenge the future
2 The road to tenure neutral policies 2
3 Some figures Meaning of housing tenure Financial model Housing tenure and policy Conclusions The road to tenure neutral policies 3
4 Germany Austria Netherlands Belgium Sweden Denmark Finland Portugal Italy Greece Spain UK Ireland Poland Hungary Slovenia Home ownership by income quartile, EU-SILC % 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% Corporatist Social democrat Mediterranean Liberal Eastern Europe 1st (low) 2nd 3rd 4th (high) The road to tenure neutral policies 4
5 Home ownership in the EU27, EU- SILC 2009 Largest (>75%) in Eastern, Southern Europe, BE Around 65-75%: UK, IE, SE, PL Relatively low (< 60%) in GE, AT, DE, DK, FI, CZ and NL The road to tenure neutral policies 5
6 Social rental housing in the EU27, Cecodhas, 2012 Largest in NL, followed by AT and DK. UK, FR, SW and FI also have a large social/public housing sector On the contrary, no rental social housing in EL, very small share in CEE as well as PT, ES The road to tenure neutral policies 6
7 Home ownership in Europe, Sources: Catte et al (2004), Scanlon and Whitehead (2007), EMF (2010),MRI (1996), Balchin (1996) The road to tenure neutral policies 7 7
8 Quito, Ecuador Source: Census INEC, in: Donoso Gomez, ,6 Quito: occupied housing by tenure 0,5 0,4 0,3 0,2 0, Owners Renters Other No info The road to tenure neutral policies 8
9 South Korea The road to tenure neutral policies 9
10 Conclusions The higher the income, the higher the home ownership rate (Household) The higher the income, the lower the home ownership rate (country) Home ownership policies do not always work well Housing as speculation object There is a limit to home ownership, around 70% Renting Different models A developed sector as a luxury The road to tenure neutral policies 10
11 Some figures Meaning of housing tenure Financial model Housing tenure and policy Conclusions The road to tenure neutral policies 11
12 Home ownership an American dream? Home ownership ideology is strongest in Anglo Saxon countries The road to tenure neutral policies 12
13 Get your foot on the property ladder as soon as possible! The road to tenure neutral policies 13
14 Why not rent and enjoy freedom? The road to tenure neutral policies 14
15 You better start in Chonsei. The road to tenure neutral policies 15
16 Or consider informal housing The road to tenure neutral policies 16
17 Does home ownership empower people? Home owners more empowered than tenants But: tenure does not influence empowerment Home ownership rather an indicator than a cause of empowerment The road to tenure neutral policies 17
18 Conclusions The meaning of tenure depends on context since alternative is different Home ownership is rather an indicator than a cause of empowerment Positive effects of home ownership are often over estimated The road to tenure neutral policies 18
19 Some figures Meaning of housing tenure Financial model Housing tenure and policy Conclusions The road to tenure neutral policies 19
20 IMF-survey, 2012 The road to tenure neutral policies 20
21 Financial model The road to tenure neutral policies 21
22 More than just owning a house The road to tenure neutral policies 22
23 The road to tenure neutral policies 23
24 Conclusions Effect financial market on house prices: Deregulation pushed up housing prices In some countries more than others! Use of housing: Housing market used as ATM Housing as speculation object: buy and let But: High house price increases not sustainable Decent low income housing needs government support! The road to tenure neutral policies 24
25 Some figures Meaning of housing tenure Financial model Housing tenure and policy Conclusions The road to tenure neutral policies 25
26 Housing policy EU: Member states are responsible for housing BUT: Housing policy by stealth Financial markets Competition rental market: end of unitary model Effect of home ownership policy is overestimated There is a limit Effects on people and neighborhoods overestimated The road to tenure neutral policies 26
27 Reasons to encourage home ownership Help households to achieve the preferred tenure More responsible citizens Empower people Better involvement in neighbourhoods Make households build equity Strong beliefs, weak evidence The road to tenure neutral policies 27
28 Reasons for rental policy Recognize there is a substantial market in particular in cities Facilitate labour market mobility Provide lower income households an affordable house Facilitate equity release The road to tenure neutral policies 28
29 Use of housing equity, Eurobarometer, % worried whether income in old age would be sufficient to enable them to live in dignity % Yes, once I have retired I plan to move to a different home % Yes, once I have retired I would consider to borrow against my home or sell it while keeping the right to live in it 0 Hungary Portugal Slovenia United Kingdom Belgium Germany Finland Netherlands The road to tenure neutral policies 29 Project funded under the Socio-economic Sciences and Humanities
30 Conclusions Home ownership is desired by many But, renting is there and needs policy for tenants and landlords: - Subsidise to enable return on investment - Support good maintenance - Security of tenure - Prevent excessive rents The road to tenure neutral policies 30
31 Some figures Meaning of housing tenure Financial model Housing tenure and policy Conclusions The road to tenure neutral policies 31
32 Implications for housing policy The positive effects of home ownership are over estimated The positive effects of a good functioning rental market are underestimated Positive effect on social inclusion Enables labour market mobility Housing policy should aim at providing adequate housing, not so much on a particular tenure 100% home ownership is not realistic in urban areas Rental housing for young, mobile, poor, old Good rental policy crucial for cities The road to tenure neutral policies 32
Monitoring the social impact of the crisis: public perceptions in the European Union (wave 6) REPORT
Eurobarometer Monitoring the social impact of the crisis: public perceptions in the European Union (wave 6) REPORT Fieldwork: December 2011 Publication: April 2012 This survey has been requested by Directorate-General
More informationComparison of annuity markets (OECD National Annuity Markets: Features and Implications, Rusconi 2008) Mercer
May 2009 Retirement Income/Annuities Around the World What US Policy Makers Might Learn Barbara Marder, Baltimore Global Defined Contribution Consulting Leader www.mercer.com 1 Comparison of annuity markets
More informationERMInE Database. Presentation by Nils Flatabø SINTEF Energy Research. ERMInE Workshop 2 - Northern Europe Oslo, 1. November 2006
ERMInE Database Presentation by Nils Flatabø SINTEF Energy Research ERMInE Workshop 2 - Northern Europe Oslo, 1. November 26 Overview Content of the Ermine Database Electronic Questionnaire RTD&D Data
More informationEUROPEAN YOUTH: PARTICIPATION IN DEMOCRATIC LIFE
Flash Eurobarometer EUROPEAN YOUTH: PARTICIPATION IN DEMOCRATIC LIFE REPORT Fieldwork: April 2013 Publication: May 2013 This survey has been requested by the European Commission, Directorate-General for
More informationINNOBAROMETER 2015 - THE INNOVATION TRENDS AT EU ENTERPRISES
Eurobarometer INNOBAROMETER 2015 - THE INNOVATION TRENDS AT EU ENTERPRISES REPORT Fieldwork: February 2015 Publication: September 2015 This survey has been requested by the European Commission, Directorate-General
More informationSURVEY ON THE TRAINING OF GENERAL CARE NURSES IN THE EUROPEAN UNION. The current minimum training requirements for general care nurses
SURVEY ON THE TRAINING OF GENERAL CARE NURSES IN THE EUROPEAN UNION This survey serves as a background document for the discussion of the Commission's legislative proposal to modernize the minimum requirements
More informationVoluntary health insurance and health care reforms
Voluntary health insurance and health care reforms Sarah Thomson Senior Research Fellow, European Observatory Deputy Director, LSE Health IMF conference, Paris, 21 st June 2011 Health financing policy
More informationHousing Statistics in the European Union 2010
Housing Statistics in the European Union 2010 2 Housing Statistics in the European Union The Hague: Ministry of the Interior and Kingdom Relations Edited by Kees Dol and Marietta Haffner OTB Research Institute
More informationENTERING THE EU BORDERS & VISAS THE SCHENGEN AREA OF FREE MOVEMENT. EU Schengen States. Non-Schengen EU States. Non-EU Schengen States.
ENTERING THE EU BORDERS & VISAS THE SCHENGEN AREA OF FREE MOVEMENT An area without internal borders where EU citizens and non-eu nationals may move freely EU Schengen States Non-Schengen EU States IS Azores
More informationThe coverage rate of social benefits. Research note 9/2013
Research note 9/2013 SOCIAL SITUATION OBSERVATORY INCOME DISTRIBUTION AND LIVING CONDITIONS APPLICA (BE), EUROPEAN CENTRE FOR THE EUROPEAN CENTRE FOR SOCIAL WELFARE POLICY AND RESEARCH (AT), ISER UNIVERSITY
More informationEUROPEAN AREA OF SKILLS AND QUALIFICATIONS
EUROPEAN AREA OF SKILLS AND QUALIFICATIONS REPORT Fieldwork: April - May 2014 Publication: June 2014 This survey has been requested by the European Commission, Directorate-General for Education and Culture
More informationTHE ROLE OF PUBLIC SUPPORT IN THE COMMERCIALISATION OF INNOVATIONS
Flash Eurobarometer THE ROLE OF PUBLIC SUPPORT IN THE COMMERCIALISATION OF INNOVATIONS REPORT Fieldwork: January February 2014 Publication: May 2014 This survey has been requested by the European Commission,
More informationUser language preferences online. Analytical report
Flash Eurobarometer 313 The Gallup Organization Flash Eurobarometer European Commission User language preferences online Analytical report Fieldwork: January 2011 Publication: May 2011 This survey was
More informationImplementing the cooperation mechanisms of the RES directive current status and open questions
Implementing the cooperation mechanisms of the RES directive current status and open questions Corinna Klessmann, Ecofys Germany RE-SHAPING Workshop, Vilnius, 16.05.2011 Supported by Intelligent Energy
More informationOVERVIEW OF PURCHASE AND TAX INCENTIVES FOR ELECTRIC VEHICLES IN THE EU
01.04.2014 OVERVIEW OF PURCHASE AND TAX INCENTIVES FOR ELECTRIC VEHICLES IN THE EU This table provides an overview of the incentives that are granted in the Member States of the European Union for the
More informationSocial dumping and free movement: Overview of current issues from an economic point of view
Social dumping and free movement: Overview of current issues from an economic point of view Prof. dr. Jozef Pacolet & Frederic De Wispelaere Design Charles & Ray Eames - Hang it all Vitra Statistics on
More informationFamily Law. Analytical Report
Flash Eurobarometer European Commission Family Law Analytical Report Fieldwork: June 2006 Report: October 2006 Flash Eurobarometer 188 The Gallup Organization This survey was requested by Directorate-General
More informationEUROPE 2020 TARGETS: RESEARCH AND DEVELOPMENT
EUROPE 2020 TARGETS: RESEARCH AND DEVELOPMENT Research, development and innovation are key policy components of the EU strategy for economic growth: Europe 2020. By fostering market take-up of new, innovative
More informationINTRODUCTION... 2. I. Participation in the 2014 European elections... 3
?? Directorate-General for Communication PUBLIC OPINION MONITORING UNIT 2014 EUROPEAN ELECTIONS DESK RESEARCH Brussels, April 2015 Profile of voters and abstainees in the European elections 2014 INTRODUCTION...
More informationDublin, March 2013. EPSO Network of Experts in the field of Personnel Selection 14th March 2013
Dublin, March 2013 EPSO Network of Experts in the field of Personnel Selection 14th March 2013 On-going and upcoming competitions AD2012 by Citizenship AD2012 Citizenship %EU Population validated application
More informationEuropean Research Council
ERC Starting Grant Outcome: Indicative statistics Reproduction is authorised provided the source ERC is acknowledged ERCEA/JH. ERC Starting Grant: call Submitted and selected proposals by domain Submitted
More informationHow To Study The Small Ruminant Population In The European Land Animals
1 Joint Research Centre (JRC) Economic Analysis of Electronic Identification (EID) of Small Ruminants in Member States IPSC - Institute for the Protection and Security of the Citizen Ispra - Italy http://ipsc.jrc.ec.europa.eu/
More informationEUROPE 2020 TARGET: EARLY LEAVERS FROM EDUCATION AND TRAINING
EUROPE 2020 TARGET: EARLY LEAVERS FROM EDUCATION AND TRAINING By 2020, the share of early leavers from education and training (aged 18-24) should be less than 10% Early school leaving 1 is an obstacle
More informationINNOVATION IN THE PUBLIC SECTOR: ITS PERCEPTION IN AND IMPACT ON BUSINESS
Flash Eurobarometer INNOVATION IN THE PUBLIC SECTOR: ITS PERCEPTION IN AND IMPACT ON BUSINESS REPORT Fieldwork: February-March 22 Publication: June 22 This survey has been requested by the European Commission,
More informationFamily Law. Fieldwork: June 2006 Report: October 2006
The Gallup Organization Flash EB N o 188 Consular Protection and Family Law Flash Eurobarometer European Commission Family Law Summary Fieldwork: June 06 Report: October 06 Flash Eurobarometer 188 The
More informationTaxation of tobacco products in the European Union. Frank Van Driessche DG Taxation and Customs Union May 2006
1 Taxation of tobacco products in the European Union Frank Van Driessche DG Taxation and Customs Union May 2006 2 Legislation on taxation Directive 92/79/EEC (Approximation of taxes on cigarettes) Directive
More informationPoverty and Social Exclusion in Central, Eastern and South-Eastern European Member States. Michael Knogler
Department of Economics Policy Issues No. May 1 Institut für Ost- und Südosteuropaforschung Landshuter Straße, D-937 Regensburg Telefon: ++9 (9 1) 93 5-1 E-Mail: info@ios-regensburg.de Internet: www.ios-regensburg.de
More informationEuropean Research Council
ERC Advanced Grants 2011 Outcome: Indicative Statistics Reproduction is authorised provided that the source ERC is acknowledged NB: In these graphs grantee refers to a candidate selected for ERC funding
More informationRETAIL FINANCIAL SERVICES
Special Eurobarometer 373 RETAIL FINANCIAL SERVICES REPORT Fieldwork: September 211 Publication: April 212 This survey has been requested by the European Commission, Directorate-General Internal Market
More informationRETAIL FINANCIAL SERVICES
Special Eurobarometer 373 RETAIL FINANCIAL SERVICES REPORT Fieldwork: September 211 Publication: March 212 This survey has been requested by Directorate-General Internal Market and Services and co-ordinated
More informationTowards a safer use of the Internet for children in the EU a parents perspective. Analytical report
Flash Eurobarometer 248 The Gallup Organisation Analytical Report Flash EB N o 251 Public attitudes and perceptions in the euro area Flash Eurobarometer European Commission Towards a safer use of the Internet
More informationSTW Open Technology Programme. H2020 Future & Emerging Technology. and. GRANTS WEEK 2015 October 9 th
STW Open Technology Programme and H2020 Future & Emerging Technology GRANTS WEEK 2015 October 9 th 9/12/2010 INDIVIDUAL FUNDING OPPORTUNITIES IN EUROPE 1 SUPPORT FOR RESEARCH FUNDING ACQUISITION AT THE
More informationECCE Standing Committee Education & Training
ECCE Standing Committee Education & Training Impact of the Bologna Process on Civil engineering education in Europe Prof. Iacint Manoliu 45 th ECCE meeting Bucharest, 11 May 2007 SCD Civil Engineering
More informationEUROPEANS SATISFACTION WITH RAIL SERVICES
Flash Eurobarometer 382a EUROPEANS SATISFACTION WITH RAIL SERVICES SUMMARY Fieldwork: September 2013 Publication: December 2013 This survey has been requested by the European Commission, Directorate-General
More informationStudy on comparison tools and third-party verification schemes
Justice and Consumers Study on comparison tools and third-party verification schemes ECCG 25/03/2015 Julien Brugerolle JUST E6 Introduction Study objectives Explore consumer behavioural patterns in the
More informationBroadband markets Digital Agenda Scoreboard 1 2014
Broadband markets Digital Agenda Scoreboard 2014 1 Broadband coverage: Basic broadband is available to everyone in the EU, while fixed technologies cover 97% leaving 6 million homes unconnected. Next Generation
More informationHOW COMPANIES INFLUENCE OUR SOCIETY: CITIZENS VIEW
Flash Eurobarometer HOW COMPANIES INFLUENCE OUR SOCIETY: CITIZENS VIEW REPORT Fieldwork: October-November 2012 Publication: April 2013 This survey has been requested by the European Commission, Directorate-General
More informationEuropeans and mobility: first results of an EU-wide survey
Europeans and mobility: first results of an EU-wide survey Are Europeans ready to seize the opportunities that mobility offers in today's labour markets? Are EU citizens aware of their rights and opportunities?
More informationEducation and the role of schools. Notes from the EU Kids Online Project. Cristina Ponte FCSH New University of Lisbon
Education and the role of schools. Notes from the EU Kids Online Project Cristina Ponte FCSH New University of Lisbon The EU Kids Online aims To identify and evaluate available data on children s use of
More informationBUSINESS-TO-BUSINESS ALTERNATIVE DISPUTE RESOLUTION IN THE EU
Flash Eurobarometer BUSINESS-TO-BUSINESS ALTERNATIVE DISPUTE RESOLUTION IN THE EU REPORT Fieldwork: March-April 22 Publication: November 22 This survey has been requested by Directorate-General for Justice
More informationATTITUDES OF EUROPEANS TOWARDS WASTE MANAGEMENT AND RESOURCE EFFICIENCY
Flash Eurobarometer ATTITUDES OF EUROPEANS TOWARDS WASTE MANAGEMENT AND RESOURCE EFFICIENCY REPORT Fieldwork: December 0 Publication: June 0 This survey has been requested by the European Commission, Directorate-General
More informationEN 106 EN 4. THE MOBILE USE OF THE INTERNET BY INDIVIDUALS AND ENTERPRISES. 4.1. Introduction
4. THE MOBILE USE OF THE INTERNET BY INDIVIDUALS AND ENTERPRISES 4.1. Introduction This chapter looks at mobile use of the internet by individuals and enterprises, benefiting from new data collected in
More informationEUROPEAN CITIZENS DIGITAL HEALTH LITERACY
Flash Eurobarometer EUROPEAN CITIZENS DIGITAL HEALTH LITERACY REPORT Fieldwork: September 2014 Publication: November 2014 This survey has been requested by the European Commission, Directorate-General
More informationYOUNG PEOPLE AND DRUGS
Eurobarometer YOUNG PEOPLE AND DRUGS REPORT Fieldwork: June 2014 Publication: August 2014 This survey has been requested by the European Commission, Directorate-General for Justice and co-ordinated by
More informationCO2 BASED MOTOR VEHICLE TAXES IN THE EU IN 2015
CO2 BASED MOTOR VEHICLE TAXES IN THE EU IN 2015 COUNTRY AT (AUSTRIA) BE (BELGIUM) BG (BULGARIA) CO2/FUEL CONSUMPTION TAXES A fuel consumption tax (Normverbrauchsabgabe or NoVA) is levied upon the first
More informationThe redistributive effect and progressivity of taxes revisited
The redistributive effect and progressivity of taxes revisited An international comparison across the EU with EUROMOD Gerlinde Verbist University of Antwerp, Centre for Social Policy Francesco Figari University
More informationDomestic Violence against Women. Report. Fieldwork: February March 2010 Publication: September 2010. Special Eurobarometer 344
Special Eurobarometer 344 European Commission Domestic Violence against Women Report Fieldwork: February March 2010 Publication: September 2010 Special Eurobarometer 344 / Wave TNS Opinion & Social This
More informationATTITUDES OF EUROPEANS TOWARDS BUILDING THE SINGLE MARKET FOR GREEN PRODUCTS
Eurobarometer ATTITUDES OF EUROPEANS TOWARDS BUILDING THE SINGLE MARKET FOR GREEN PRODUCTS REPORT Fieldwork: December 2012 Publication: July 2013 This survey has been requested by the European Commission,
More informationE-COMMUNICATIONS AND TELECOM SINGLE MARKET HOUSEHOLD SURVEY
Special Eurobarometer 414 E-COMMUNICATIONS AND TELECOM SINGLE MARKET HOUSEHOLD SURVEY REPORT Fieldwork: January 2014 Publication: March 2014 This survey has been requested by the European Commission, Directorate-General
More informationThe Legal Protection Insurance Market in Europe. October 2013
The Legal Protection Insurance Market in Europe October 2013 The Legal Protection Insurance Market in Europe October 2013 In its latest publication RIAD, the International Association of Legal Protection
More informationSpecial Eurobarometer 390 CYBER SECURITY REPORT
Special Eurobarometer 390 CYBER SECURITY REPORT Fieldwork: March 2012 Publication: July 2012 This survey has been requested by the European Commission, Directorate-General Home Affairs and co-ordinated
More informationEuropean judicial training 2014. Justice
European judicial training 2014 Justice Europe Direct is a service to help you find answers to your questions about the European Union. Freephone number (*): 00 800 6 7 8 9 10 11 (*) Certain mobile telephone
More informationINVESTING IN INTANGIBLES: ECONOMIC ASSETS AND INNOVATION DRIVERS FOR GROWTH
Flash Eurobarometer INVESTING IN INTANGIBLES: ECONOMIC ASSETS AND INNOVATION DRIVERS FOR GROWTH REPORT Fieldwork: January February 213 Publication: May 213 This survey has been requested by the European
More informationResponsible Research and Innovation (RRI), Science and Technology
Special Eurobarometer 401 Responsible Research and Innovation (RRI), Science and Technology REPORT Fieldwork: April - May 2013 Publication: November 2013 This survey has been requested by the European
More informationrelating to household s disposable income. A Gini Coefficient of zero indicates
Gini Coefficient The Gini Coefficient is a measure of income inequality which is based on data relating to household s disposable income. A Gini Coefficient of zero indicates perfect income equality, whereas
More informationMinimum Wage Protection Current German and European Debates
Årskonferanse i Fafo Østforum Fire år etter EU-utvidelsen: Status og framtidsperspektiver Oslo, 3 June 2008 Minimum Wage Protection Current German and European Debates Thorsten Schulten Wirtschafts- und
More informationATTITUDES OF EUROPEANS TOWARDS BUILDING THE SINGLE MARKET FOR GREEN PRODUCTS
Flash Eurobarometer 367 ATTITUDES OF EUROPEANS TOWARDS BUILDING THE SINGLE MARKET FOR GREEN PRODUCTS SUMMARY Fieldwork: December 2012 Publication: July 2013 This survey has been requested by the European
More informationCOMPANIES ENGAGED IN ONLINE ACTIVITIES
Flash Eurobarometer 413 COMPANIES ENGAGED IN ONLINE ACTIVITIES SUMMARY Fieldwork: January-February 2015 Publication: May 2015 This survey has been requested by the European Commission, Directorate-General
More informationBasic banking services
Presentation to the European Parliament by London Economics 25 January 2012 1 Presentation outline Basic facts and benefits 2 and benefits Background Access to basic banking is essential in modern society,
More informationPayments to Overseas banks Things to be aware of
Payments to Overseas banks Things to be aware of Payment can be made to accounts in most countries. If you wish to have your pension paid overseas, the Royal Bank of Scotland (RBS), the Funds bankers,
More informationBroadband Coverage in Europe Final Report 2009 Survey Data as of 31 December 2008. DG INFSO 80106 December 2009 IDATE 1
Broadband Coverage in Europe Final Report 2009 Survey Data as of 31 December 2008 DG INFSO 80106 December 2009 IDATE 1 Table of contents 1. Methodological notes...5 2. Executive summary...7 3. European
More informationSpecial Eurobarometer 423 CYBER SECURITY REPORT
Special Eurobarometer 423 CYBER SECURITY REPORT Fieldwork: October 2014 Publication: February 2015 This survey has been requested by the European Commission, Directorate-General for Home Affairs and co-ordinated
More informationUnmarried births turn UK into the family breakdown capital of Western Europe
Unmarried births turn UK into the family breakdown capital of Western Europe Harry Benson, The Marriage Foundation, October 2014 Family breakdown affecting children can only come from one of two sources:
More informationI have asked for asylum in the EU which country will handle my claim?
EN I have asked for asylum in the EU which country will handle my claim? A Information about the Dublin Regulation for applicants for international protection pursuant to article 4 of Regulation (EU) No
More informationHealth and long-term care in the European Union
Special Eurobarometer European Commission Health and long-term care in the European Union Fieldwork: May June 2007 Publication: December 2007 Report Special Eurobarometer 283/ Wave 67.3 TNS Opinion & Social
More informationCONSUMERS ATTITUDES TOWARDS CROSS- BORDER TRADE AND CONSUMER PROTECTION
Eurobarometer CONSUMERS ATTITUDES TOWARDS CROSS- BORDER TRADE AND CONSUMER PROTECTION REPORT Fieldwork: September 2011 Publication: May 2012 This survey has been requested by the European Commission, Directorate-General
More informationE-COMMUNICATIONS HOUSEHOLD SURVEY
Special Eurobarometer 396 E-COMMUNICATIONS HOUSEHOLD SURVEY REPORT Fieldwork: February - March 2013 Publication: November 2013 This survey has been requested by the European Commission, Directorate-General
More informationERASMUS+ MASTER LOANS
ERASMUS+ MASTER LOANS Erasmus+ Master Loan: opening up access to more affordable lending for cross-border studies The Erasmus+ programme makes it possible for students who want to take a full Masters level
More informationWOMEN IN DECISION-MAKING POSITIONS
Special Eurobarometer 376 WOMEN IN DECISION-MAKING POSITIONS REPORT Fieldwork: September 2011 Publication: March 2012 This survey has been requested by Directorate-General Justice and co-ordinated by Directorate-
More informationHiring and employment procedures for one-person-enterprises
Flash Eurobarometer European Commission Hiring and employment procedures for one-person-enterprises Fieldwork: 2004 Publication: 2004 Flash Eurobarometer 163 - TNS Sofres / EOS Gallup Europe This survey
More informationPATIENTS RIGHTS IN CROSS-BORDER HEALTHCARE IN THE EUROPEAN UNION
Special Eurobarometer 425 PATIENTS RIGHTS IN CROSS-BORDER HEALTHCARE IN THE EUROPEAN UNION REPORT Fieldwork: October 2014 Publication: May 2015 This survey has been requested by the European Commission,
More informationOur patent and trade mark attorneys are here to help you protect and profit from your ideas, making sure they re working every bit as hard as you do.
Our patent and trade mark attorneys are here to help you protect and profit from your ideas, making sure they re working every bit as hard as you do. Our people work with everyone from multi-nationals
More informationLife Bancassurance in Europe: Protection-Related Life Insurance
Life Bancassurance in Europe: Protection-Related Life Insurance Report Prospectus November 2011 Finaccord, 2011 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page What is the
More informationPUBLIC ATTITUDES TOWARDS ROBOTS
Special Eurobarometer 382 PUBLIC ATTITUDES TOWARDS ROBOTS REPORT Fieldwork: February - March 2012 Publication: September 2012 This survey has been requested by Directorate-General for Information Society
More informationDigital Inclusion and Skills. Digital Agenda Scoreboard 2014
Digital Inclusion and Skills Digital Agenda Scoreboard 2014 1 72% of EU population uses the internet weekly and 57% of disadvantaged do so. Most of EU population (62%) uses the internet every day. The
More informationThe energy industry and energy price issues in Slovakia during recent years 1
The energy industry and energy price issues in Slovakia during recent years 1 Ing. Mikulá Cár, PhD. National Bank of Slovakia The energy industry and energy prices are becoming a subject of political decisions
More informationNon-Life Bancassurance in Europe: Motor and Household Insurance
Non-Life Bancassurance in Europe: Motor and Household Insurance Report Prospectus November 2011 Finaccord, 2011 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page What is the
More informationAlison Fennah, VP Research & Marketing IAB Europe. IAB Hungary Research Day - Budapest 15 th June @IABEurope
Alison Fennah, VP Research & Marketing IAB IAB Hungary Research Day - Budapest 15 th June @IAB Presentation Agenda 1. Introduction Background Coverage and Methodology 2. Main Findings The Media Evolution
More informationFinnish foreign trade 2014 Figures and diagrams. 27.2.2015 FINNISH CUSTOMS Statistics 1
Finnish foreign trade 214 Figures and diagrams 27.2.215 FINNISH CUSTOMS Statistics 1 IMPORTS, EXPORTS AND TRADE BALANCE 199-214 7 billion e 6 5 4 3 2 1-1 9 91 92 93 94 95 96 97 98 99 1 2 3 4 5 6 7 8 9
More informationDigital Agenda Targets Progress report. Digital Agenda Scoreboard 2014
Digital Agenda Targets Progress report Digital Agenda Scoreboard 2014 1 NGA coverage: Fast broadband technologies capable of providing at least 30 Mbps are available to 64%, up from 54% a year ago Among
More information«Working poor in the EU: an exploratory comparative analysis»
«Working poor in the EU: an exploratory comparative analysis» N 2008-35 November 2008 Guillaume Allègre (OFCE) 1 Working poor in the EU: an exploratory comparative analysis 1 Guillaume Allègre (Researcher,
More informationSpecial Eurobarometer 397 CORRUPTION REPORT
Special Eurobarometer 397 CORRUPTION REPORT Fieldwork: February - March 213 Publication: February 214 This survey has been requested by the European Commission, Directorate-General for Home Affairs and
More informationHow To Understand The Habits Of Smokers In The European Union
Special Eurobarometer 385 ATTITUDES OF EUROPEANS TOWARDS TOBACCO REPORT Fieldwork: February - March 2012 Publication: May 2012 This survey has been requested by the European Commission, Directorate-General
More informationSpecial Eurobarometer 423 CYBER SECURITY SUMMARY
Special Eurobarometer 423 CYBER SECURITY SUMMARY Fieldwork: October 2014 Publication: February 2015 This survey has been requested by the European Commission, Directorate-General for Home Affairs and co-ordinated
More informationSESAR. Luftfahrttechnologie - Auftaktveranstaltung zum 7. EU-Forschungsrahmenprogramm Wien, 4 Dezember 2006
Luftfahrttechnologie - Auftaktveranstaltung zum 7. EU-Forschungsrahmenprogramm Wien, 4 Dezember 2006 SESAR Christian Pusch EUROCONTROL Experimental Centre European page 1Organisation of 22 for the Safety
More informationBriefing note. Survey of environmental liability insurance developments
Briefing note Survey of environmental liability insurance developments June 2014 Introduction This paper responds to the consideration by the European Commission (EC) of a possible EU-wide compulsory insurance
More information168/2014-4 November 2014. At risk of poverty or social exclusion 2 rate in the EU28, 2008-2013 (% of total population)
168/2014-4 November 2014 At risk of poverty or social exclusion in the EU28 More than 120 million persons at risk of poverty or social exclusion in 2013 Almost 1 out of every 4 persons in the EU in this
More informationPrivate Sector Debt Dívida do Sector Privado. dossiers. Economic Outlook Conjuntura Económica. Conjuntura Económica.
dossiers Economic Outlook Private Sector Debt Dívida do Sector Privado Last Update Última Actualização:12/08/2015 Portugal Economy Probe (PE Probe) Prepared by PE Probe Preparado por PE Probe Copyright
More information72/2015-21 April 2015
72/2015-21 April 2015 Provision of deficit and debt data for 2014 - first notification Euro area and EU28 government deficit at 2.4% and 2.9% of GDP respectively Government debt at 91.9% and 86.8% In 2014,
More informationSpecial Eurobarometer 431 DATA PROTECTION REPORT
Special Eurobarometer 431 DATA PROTECTION REPORT Fieldwork: March 2015 Publication: June 2015 This survey has been requested by the European Commission, Directorate-General for Justice and Consumers and
More informationEUROPE 2020 TARGET: TERTIARY EDUCATION ATTAINMENT
EUROPE 2020 TARGET: TERTIARY EDUCATION ATTAINMENT Low tertiary or equivalent education attainment levels create skills bottlenecks in knowledgeintensive economic sectors and hamper productivity, innovation
More informationConsumer Insolvency in Germany
Consumer Insolvency in Germany Michael Knobloch iff institute for financial services, Hamburg TACKLING HOUSEHOLD OVERINDEBTEDNESS European Conference HOTEL TITANIA ATHENS GREECE, 22 nd of November 2012
More informationINTERNATIONAL TRACKED POSTAGE SERVICE
INTERNATIONAL TRACKED POSTAGE SERVICE Index Expanding Internationally...03 The Post NL Service...04 How it works... 05 Post NL Rates...06 Transit times...07 Customer Service...08 Expanding Internationally
More informationERASMUS+ MASTER LOANS
Ref. Ares(2015)660570-17/02/2015 ERASMUS+ MASTER LOANS Erasmus+ Master Loan: opening up access to more affordable lending for cross-border studies The Erasmus+ programme makes it possible for students
More informationEUF STATISTICS. 31 December 2013
. ESTIMATES OF EU TURNOVER VOLUMES. Turnover volumes by product, allocation and notification (Estimates of EU s, Millions of ) Estimate of the EU % on Turnover Significance of the sample on total turnover
More informationFieldwork September October 2006 Publication March 2007
Special Eurobarometer European Commission Roaming Fieldwork September October 2006 Publication March 2007 Special Eurobarometer 269 / Wave 66.1 TNS Opinion & Social This survey was requested by Directorate
More informationPrivate health insurance: second-best or second-worst solution? Sarah Thomson EHMA VHI MASTERCLASS Milan, 27 June 2013
Private health insurance: second-best or second-worst solution? Sarah Thomson EHMA VHI MASTERCLASS Milan, 27 June 2013 VHI as a policy tool Policy goals Research findings Policy design Regulation Over
More informationANALYSIS OF THE STAKEHOLDER CONSULTATION ON
ANALYSIS OF THE STAKEHOLDER CONSULTATION ON Science and Technology, the key to Europe s future: guidelines for future European policy to support research COM(353)2004 DG Research, European Commission,
More informationCOMMUNICATION FROM THE COMMISSION
EUROPEAN COMMISSION Brussels, 17.9.2014 C(2014) 6767 final COMMUNICATION FROM THE COMMISSION Updating of data used to calculate lump sum and penalty payments to be proposed by the Commission to the Court
More informationSpecial Eurobarometer 398 INTERNAL MARKET REPORT
Special Eurobarometer 398 INTERNAL MARKET REPORT Fieldwork: April - May 2013 Publication: October 2013 This survey has been requested by the European Commission, Directorate-General Internal Market and
More information