Problemas de vivienda en el marco recesivo posterior a 2008 en Portugal y España

Abstract: This reflection has as a backdrop the impact of economic recession and financial access to housing in Portugal and Spain, that affects homeowners who are becoming economically unable to meet financial commitments for purchasing housing, and those who being potential buyers in an environment not recessive, have now cut off the access to credit. Faced with this new housing problem, which is increasing in size and complexity, it is intended to expand the knowledge about the processes associated with the phenomenon of the "new dislodge" and contribute to reassess the forms of balance the (re)adjustment between supply and demand for housing, given the vulnerability and reactivity of the market and worsening shortages of housing, including that resulting from de-harmonization between income and expenditure on housing that is increasingly affecting families. The objectives of this paper are firstly to understand the housing problems generated by the economic and financial recession as well as its associated mechanisms, secondly to identify the weaknesses of institutional responses and finally to confront different perspectives regarding the solutions adopted until now. The methodology addresses the analyses of the two axes of the problem here discussed, the housing market and the housing policies (in its principles and procedures), in the two Iberian countries.