@unpublished{theses_frw4141,
            year = {2023},
           title = {Housing affordability among older adults in the Netherlands},
          author = {Thomas Rozendal},
             url = {https://frw.studenttheses.ub.rug.nl/4141/},
        abstract = {In recent years we have seen a growing housing affordability crisis in the Netherlands. In current 
literature attention is focused on how the housing crisis affects the ability to acquire housing. 
However, older adults might be affected differently compared to the younger population as they are 
often on fixed incomes. This thesis examines how housing affordability among older adults has 
changed between 2006 and 2021 with respect to housing tenure, in the Netherlands, using the 
expenditure-to-income approach. It argues that housing affordability among older adults improved 
between 2006 and 2021. However, this is largely due to a shift in tenure from social renting towards 
mortgaged owner-occupation. Therefore, we do not have to worry too much about housing 
affordability among older adults. Instead, focus should be on those in the private rental tenure, 
where expenditure-to-income ratios are still above the affordability threshold.}
}