Boligejerskabsmodeller

Abstract

Dette afgangsprojekt tager udgangspunkt i den seneste tids debat i medierne om forskellige boligejerskabsmodeller. I særdeleshed har medierne belyst forskellene mellem modellerne og anført, at ejerboliger ofte er den mest økonomiske fordelagtige boligejerskabsmodel på boligmarkedet. Projektet indledes med en analyse af de forskellige ejerskabsmodeller, der fi ndes på det danske boligmarked. De syv eksisterende ejerskabsmodeller beskrives med fokus på økonomi, juridiske forhold og organisationsforhold. Afdækning sker med henblik på at sammenstille og udvælge de mest interessante ejerskabsmodeller og dermed danne et grundlag for at kunne opstille problemformuleringen. Resultatet af foranalysen viser, at ejerlejligheder i lighed med mediernes påstande er at foretrække, og at det herudover kun er anpartslejligheder og andelsboliger, som vil være interessante at underkaste en nærmere analyse. Problemanalysen indsnævres herefter til alene at omhandle de to udvalgte ejerskabsmodeller, idet det undersøges hvorfor og hvornår de to ejerskabsmodeller anvendes, samt hvilke muligheder der er for at skabe ejerboliglignende forhold i de pågældende ejerskabsmodeller. Analysen baseres på indsamlet viden og informationer fra praksis især blandt privatpraktiserende landinspektører. Projektets konklusion opstiller en række forskellige løsningsmodeller til bekræftelse af, at de to udvalgte ejerskabsmodeller kan anvendes som alternativ til ejerlejligheder i mange tilfælde. Løsningsmodellerne omfatter såvel omlægning som opdeling af ejendomme, og herigennem pointeres hvilke forhold, der er afgørende for gennemførslen af de enkelte tiltag for at skabe ejerlignende forhold for boligtagerne.

This thesis was initiated by recent discussions in the Danish media about the diff erent models of house ownership available on the Danish market. In particular, the media have reported on the differences between the different models and have concluded that personal ownership of a flat or apartment is the most favorable model on the Danish housing market. The thesis begins with an analysis of the different kinds of models of house ownership on the Danish housing market. The seven existing models of house ownership are thus described with focus on economic and legal issues as well as the organizational structure of each model. The description of each model is thus used to compare and single out the most interesting models of house ownership. By doing so it is possible to build a platform to support our problem formulation. The result of the preliminary analysis indicates that personal ownership of a flat is to be preferred. This is current to the statements reported by the Danish media. Beyond this type of ownership model, the only other models of house ownership that aff ord a closer analysis are co-ownership fl at and co-operative dwelling. The analysis only concerns the two selected models of house ownership, with an emphasis on why and when the two models of house ownership are used. The analysis also includes a study on the possibility of creating conditions similar to those of the owner-occupied house in the selected models of house ownership. The analysis is based on knowledge and data from practice, especially among chartered surveyors in private practice. In the conclusion of our thesis, we draws up different kinds of solutions and confirm that in many cases the two selected models of house ownership can be used as possible alternatives to personally owned flats. The different options include rescheduling as well as division of property, and the conditions which are essential for the execution of each individual initiative to create conditions similar to those of owner-occupied houses for the occupant, are pointed out.

A master thesis from Aalborg University

Boligejerskabsmodeller

[Models og house ownership]