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Mortgage Default: Why Finland is Not like Britain

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  • J Doling

    (Department of Social Policy and Social Work, University of Birmingham, PO Box 363, Birmingham B15 2TT)

Abstract

Mortgage default and possession as a result of unemployment has been a feature of Britain and some other Western industrialized countries in the 1980s. This has prompted comments, based on abstract models of the processes involved, about the limits of owner-occupation in the context of the restructuring of labour markets. In this paper it is demonstrated that this is not a universal limitation. Finland which has the prerequisites in terms of high rates of owner-occupation and unemployment does not also have high rates of default. A housing provision framework is used to show that the structural position of the Finnish owner-occupier is consistent with this outcome.

Suggested Citation

  • J Doling, 1990. "Mortgage Default: Why Finland is Not like Britain," Environment and Planning A, , vol. 22(3), pages 321-331, March.
    • Handle: RePEc:sae:envira:v:22:y:1990:i:3:p:321-331
    DOI: 10.1068/a220321
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