The need for a dwelling is one of the basic needs of every human being. The housing policy, which belongs to one of the pillars of the social policy of the state, is responsible for satisfying this need. It is carried both at the central and local level. The report aims to show the evolution of this policy in Poland from 1989, when the burden of providing housing to the society was largely shifted to the private sector, to the present times, when the state is starting to take action to solve the problem of housing shortages for the less prosperous part of society. First, housing resources are characterized in terms of their ownership and function. Then, the housing policy, its objectives and instruments are described in theoretical terms. The competences of communes in the fi eld of housing economy are characterised in further part. The diagnosis of housing condition in Poland is presented in the regional context and compared to other countries. The last parts of the report deal with the assessment of housing policy in Poland after 1989 on the national and local level. Based on this assessment, recommendations have been made regarding the directions of activities at the local and supra-local level in the area of improving the condition of housing in Poland. Special emphasis in recommendations is placed on the need for an integrated approach to the implementation of housing policy.
The text comprises the evaluation of relationship between the qualitative planning tools and the Irish housing policy in the pre-crisis period, during the crisis (2009-2013) and the recovery. The tools that affect housing are understood as spatial planning, including governmental regulations on densification of the development and the housing quality as well as the special tools such as the urban design. Those regulatory tools were deployed with aims to safeguard the sustainable and socially viable housing structures. The Irish case illustrates the considerable innovation in introducing new housing standards and challenges with their efficiency. This can be attributed to the lack of integration with other elements that shaped the market – financing and actions of the private market, low efficiency of planning or the lack of the scale effect for the model developments. Despite their drawbacks these tools are continuously being used, as their foundational principles are still valid.
In the article the question about the issue of beauty and energy in Polish architecture is considered in the context of experience in the design of buildings and housing estates collected in the last twenty years by the Warsaw studio Grupa 5 Architekci. The conceptual, urban and architectural assumptions are illustrated by three examples representative of different, key problem issues.
As a result of introduction of the Directive 2010/31/EU of the European Parliament and of the Council of 19 May 2010 on the energy performance of buildings, all of the EU member states are obliged to introduce legal regulations for energy performance of all newly constructed buildings. The key aim is to achieve close to zero energy use starting from the year 2021. Estimating effectiveness of the actions and the new possibilities requires an analysis of the multiple criteria. They comprise both the current conditions as well as the changes that have occurred in the recent years due to new legislation, the eff ects of the subsidies and the development of the housing stock. This paper presents a broad overview and diagnosis of current situation. The development of the energy-efficient and passive housing in Poland is considered in the context of financial incentives, availability of design knowledge and building technology as well as the role of the green building certification.
Housing resources as an element of material infrastructure determine socio-economic development on a local, regional and national scale. Their economic and physical accessibility affects the development of human, social and relational capital, determines the competitiveness of the territory and can be seen as a generator of income both in the individual sense and in relation to the whole society. The article has a theoretical character and its aim is to identify the relationship between satisfying the housing needs of local communities and the development of territorial capital. The article also analyzes factors that allow the qualification of housing resources as a strategic resource for the development of a territory.
Homeownership rates are very different across European countries. They range from below 50% in Germany to over 80% in Greece, Spain or Ireland. However the differences lie not only in the overall homeownership rates but also in its structure, and this is the focus of this paper. Its aim is to study the impact of microeconomic factors on household’s tenure choice, using a crosscountry comparative approach. Logit models are constructed for each country using data for year 2000 from the Consortium of Household Panels for European Socio-Economic Research micro-database. The models show that marriage is a significant determinant of the decision to move to homeownership in all analysed countries, while cohabitating households are more likely to rent, except for Denmark. Nationality, income and age proved to be significant explanatory variables in several countries, while staying insignificant in others.
Public Supply of Rental Housing under The National Housing Program – Possible Scenarios of Changes in the Rental Market. The aim of the study is to conduct analyzes of possible scenarios of changes in the housing sector after launching the Plus Apartment Program. Therefore, the purpose of housing policy should be to increase the availability of apartments in the form of rental. The research problem is the answer to the following questions: Is it feasible to intervene in the construction market to increase rental supply? What impact on the private rental market may have on the supply of public housing about the rent lower than the market? What impact can the supply of housing under the Plus Apartment Program on the investment and rental of housing for social building society? In which municipalities and on what scale should I implement the Plus Apartment Program? The study hypothesized that the impact of the public supply of apartments for rent under the Plus Apartment Program on residential markets will depend on local conditions of market development and local housing situation.
Spatial and time diversity of housing construction in Poland. Residential housing construction, as one of the most important elements of spatial development, a factor decisive for living conditions of residents, is the object of interest not only of architects, planners or local and state authorities, but increasingly also of geographers, who mainly analyze these issues in a spatial context. The article analyzes the development of construction in post-war Poland in three periods: real socialism, the transformation period and the last decade. The subject of the analysis is the number of completed dwellings/flats in total, by location (city, village) and by investors (housing cooperatives, developers, private constructors and others).
Dynamics of Changes in the Resources of Communal Flats of the Communes of Warmińsko-Mazurskie Voivodeship. The aim of this article is to show the dynamics of changes in the communal housing stock of the communes of Warmińsko-Mazurskie Voivodeship and the assessment of the changes. For the purposes of this objective, all the communes of Warmińsko-Mazurskie Voivodeship (N = 116) were analyzed, taking into account their division into urban, rural and urban-rural communities. Data taken for analysis come from the Local Data Bank of the Central Statistical Office and cover the years 2009, 2013 and 2015. In order to show changes in the communal housing stock of the Warmia and Mazury Region, seven indicators were described and the figures were presented on the maps. The obtained results allowed us to conclude that the changes taking place in the communal housing stock of the communes of Warmińsko-Mazurskie Voivodeship are small. These changes, despite their small scale, are negative. The density of municipal housing stock is decreasing, and hence their availability, and existing resources are not repaired. The worst situation occurs in rural communities, the best in urban-rural communities.
Like other harbour cities in Europe, Lisbon has an axial development anchored in pre-existing confi gurations which dot from east, more industrial areas, to the west, a more monumental and urban type. The diversity of fabrics and the overlapping of various time layers become decoded through a functional specialization infrastructural line, which, from rural, becomes increasingly infrastructured as part of the on-going reinvention of the city of Lisbon.
The article presents probable consequences for the protection of deposits and other mining needs, related to the entry into force of the Act of July 5, 2018 on the Facilitation of the Preparation and Implementation of Housing Investments and Accompanying Investments. This act introduces facilities for the preparation and implementation of housing as well as related projects, including the possibility of introducing investments incompatible with the existing local plans. In addition, it does so in a situation where land reserves for housing development, both in local plans and in studies of conditions and directions of spatial development, many times exceed the future needs of our country. The article presents the fundamental changes introduced by the Act to the existing planning and spatial planning system, as well as the risks associated with the mining industry. Among the latter, the following can be mentioned: lower stability of local law regulations, the possibility of resolving changes in spatial development at a very fast pace, without providing an effective way to inform subjects that may be threatened by these changes and increase the probability of the appearance of investments in the area of mining, the neighborhood of which may lead to limit or even liquidate these installations, due to even their disadvantages to housing. Some remedies have been proposed to mitigate some of the threats in the article. The Act in question was prepared and passed at an express pace, with a large opposition from many environments. At the same time, a number of legal solutions were applied in it, which were not applied in the Polish law. As a result, there are many doubts about the effects of its introduction.
The article describes the design principles, the course of work on the project and the implementation of the Nowe Żerniki district, in the context of the theory of sustainable housing complexes. By comparing the settlement to the Aspern Seestadt, which is considered to be the leading European example of new district development, the author tries to find out, if Nowe Żerniki meets the latest European urban standards and can be called innovative on a European scale. Not only the final shape of the settlement was assessed, but also the design process and functional assumptions of the estate.
The state of development, the existing and emerging forms of development, the intensity and legibility of settlement systems, all this is essential for the living conditions of urban residents, their surroundings and peripheral systems. The purpose of the article is to assess the accessibility to market and public services by estimating the distance to these services from housing facilities in Poland. The use of the residential dispersion ratio (RDR) and an analysis of the spatial distribution of municipalities with the highest values of the coefficient allows to identify areas where accessibility to public and market services is weak.
Waterfront regeneration of port districts emerge as a tool for prestigious development of cities in urban re-imaging and growth. Creation of prestigious housing in these areas are part of a broader strategy of mixed-use and property-led development, but in absence of a holistic approach in planning and design, the urban landscapes may be developed merely on basis of the real estate frameworks. This article looks at how development trends of port cities can take an unintended stance in property-led regeneration of port districts, creating gated communities and failing to succeed in achieving the pre-determined objectives in urban planning. The discussion, which will address to issues of place-making, commodification of public space and planning policies, will take the port city of Izmir as the case. It is suggested that the adoption of a holistic approach to urban planning should guide the regeneration processes and design should take place-making into consideration.
The article concerns problems with shaping contemporary housing estates. By analyzing housing structures designed in recent years, the aim was to demonstrate the importance of creating the continuity of public spaces in order to achieve places seen as attractive and presenting features of high quality urban space. Essential for the research is the question about the conditions which should be fulfi lled when creating the ideal residential place which then leads to a series of answers. These included indicating a good location with functional and aesthetic urban/architectural solutions. Environmental issues are important as well. Regardless of whether it is a multi-family dwelling or a single family house, a good neighborhood and its location in a well-connected place with necessary basic services within walking range are important. It is also signifi cant how the public space was shaped and whether a natural network was created. Due to factors such as the specifi city of the structure’s location in the city and diff erent surfaces of designed estates, as well as the variety of residential buildings being constructed, it is often diffi cult to assess them unambiguously. Importantly, this assessment also includes social and economic aspects as well as technical issues. However, by using multi-directional research it can be noted that the forms of public spaces within housing complexes play an important role in the creation of high-quality structures, perceived as attractive not only by the residents.
Housing Stock and Its Public Dimension in the Role of Infrastructure of Durable Development. Only the reciprocal composition and location of buildings and their inhabitants in relation to the location of settlement infrastructure and other spatial development components can give housing stock a public dimension. The importance of the public impact of the housing stock on civilization development results mainly from the multifaceted role of the standards of its settlement in the shaping of inhabited space. Appreciating this impact can help build a necessary community of people living in common social and settlement structures. The importance of housing policy in balancing the development of living space is highlighted by the current structural crisis of the capitalist economy. The underestimated field of overcoming this crisis is the public dimension of housing stock. The presented reasoning subordinated to such thinking is part of a wider narrative combining architectural, urban, planning and sociological issues.
This paper describes an analysis of the effects of both foreign exchange (FX) risk and interest rate risk on installments of the housing FX loan using classic comparative statics approach. By focusing on sensitivity of annuity with respect to infinitesimal changes of parameters it presents the impact of the interest rate and FX rate on installments in terms of their shares of the total outstanding in foreign currency, and illustrates using values, in Polish zlotys, for three example loans extended during the period when Poland saw its most intensive FX lending. This analysis represents an attempt to answer a question frequently raised in this country of late: does the issue of debt servicing housing FX loans matter for borrowers and therefore could affect banks’ loan portfolio quality?
In this study we evaluate the distortion of the ratio of non-performing loans (NPL) caused by rapid credit growth to show that the bias in this ratio (caused by the prolonged credit boom) may indeed be significant. Next, we discuss an adjustment to the NPL ratio based on a theoretical model of a loan portfolio. This adjustment is robust for credit booms and busts; therefore, it can be used to compare credit quality ratios across distinct portfolios and banks as well as to simulate future NPL ratio developments. Our estimates of the portfolio of housing loans in Poland show that the new adjusted index of non-performing loans is robust to different model specifications.
The Act of July 5, 2018 on Facilitating of Preparation and Implementation of Housing and Accompanying Investments allows such investments irrespective of the existence of a local development plan or determination of use of land in the local development plan. In other words, the abovementioned investments may be implemented on land with a completely different designation according to the local development plan, as for example the mining of minerals. The location of the investment is decided by a resolution of the municipal council. If the planned location is to be situated within the boundaries of documented mineral deposits and the so-called „mining areas”, it needs, among others, to be agreed with the appropriate geological administration authority. Not taking a position within 21 days is considered as a consent. With reference to the deposits not covered by mining licenses, the Act does not indicate the premises that should be taken into consideration while providing such consent. There is a concern that this may lead to the development of the land in a way that will cause the subsequent extraction of the mineral impossible.
The basic resource of urban planning is space, which as a result of transformation has a direct impact on socio-economic development and quality of life. The author’s purpose was to define planning solutions for urban spatial policy, which can raise the quality of living, especially in the residential environment. In connection with the above, the literature of the subject was analysed and examples of good spatial policy and urban development in the living environment were shown. Particular attention was paid to the planning solutions in Paris and Vienna, as well as to the examples of the new living environment creation in some Scandinavian cities.
The Distinctness of the Workers Settlement as a Housing Estate of the City – Ruda Śląska Case Study. The paper shows the issue of the workers settlements autonomy as a housing estate. The study was conducted in Ruda Śląska town, because this town is a typical example of the multicenter town developed in the era of workers settlements industrialization. A significant number of patronage settlements allowed to try to determine their distinctiveness in respect of their neighborhood or related to town district. Researched issue was presented by three aspects: indicating the urban and architectural contrasts, studying of the internal urban pattern of settlements and by indicating the specific nature of backyards in the workers settlements complexes. Detailed studies were related to urban interiors and their infrastructure and organization in the context of social relations. Contemporary the workers settlements are an important heritage of the industrial period in Ruda Śląska town and in others Upper Silesian towns, and they are often characterized by interesting urban-architectural values. Unfortunately, the most of the researched settlements have never been modernized, and therefore they are systematic degrade, both in housing substance and public spaces.
Potential Compensatory Costs Related to Invalid Spatial Planning in Communes. The purpose of the article is to compare the costs of enacted local plans and their possible repeal in the part concerning the faulty (irrational) allocation of land for various functions. It was attempted to estimate the costs associated with the hypothetical repeal of local plans in a situation where such a need arises, resulting from the overestimation of areas designated especially for housing development. These costs are primarily the need to pay compensation to landowners for those parts of the land that first changed their intended use from a lower market value to a higher one, and then there would be a hypothetical “reverse” operation (e.g. restoration of agricultural use). It was obtained that depending on the methodology, these costs could fluctuate between 135-325 billion PLN. This means that there is no possibility of ‘automatic’ repealing defective local plans across the all country.