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             Evicted in the Welfare State
          A Comparative Analysis of Evictions due to Rent Arrears
                in Germany, the Netherlands and Sweden


              Sten-Åke Stenberg, Lia van Doorn, Susanne
                                Gerull




                                                                            Interdisciplinary
                                                                            Center 'Sciences
                          EUROPEAN RESEARCH CONFERENCE                      for peace’
                 Homelessness, Migration and Demographic Change in Europe
                                Pisa, 16th September 2011
Outline of the Presentation
   Introduction
   Population and housing markets
   Evictions
   Regulation of evictions
   Prevention
   Comparison
   Conclusions

               EUROPEAN RESEARCH CONFERENCE
         Homelessness, Migration and Demographic Change in
                              Europe
Introduction
   Evictions are a major factor behind
    homelessness
   Rent arrears seem to be the most
    common formal cause of evictions in
    Europe
   Evictions take place in the intersection
    between civil and social citizenships
   International data are scarce
                EUROPEAN RESEARCH CONFERENCE
          Homelessness, Migration and Demographic Change in
                               Europe
Population and Housing Markets




          EUROPEAN RESEARCH CONFERENCE
    Homelessness, Migration and Demographic Change in
                         Europe
Evictions
   Germany/Berlin
       No national statistics / no complete numbers for Berlin
       Rent arrears in euro seem to decrease over the last years, but
        applications of evictions and evictions seem to persist on a stable level
       41% of the applied evictions are executed in Berlin 2009 (est.)
   The Netherlands/Amsterdam
       Eviction data are only available for the Social Housing Sector
       Number of evictions are decreasing because of the Housing
        associations’ responsive collection policies
       22% of the applied evictions are executed in Amsterdam 2009
   Sweden/Stockholm
       Big decrease of evictions since the beginning of the 1990s
       31% of the applied evictions were executed in Sweden 2009


                     EUROPEAN RESEARCH CONFERENCE
               Homelessness, Migration and Demographic Change in
                                    Europe
Population and Housing Markets




          EUROPEAN RESEARCH CONFERENCE
    Homelessness, Migration and Demographic Change in
                         Europe
Regulation of Evictions
   Germany
       Arrears of 2 months’ rent can lead to an instant dismissal of the tenant
   The Netherlands
       After 2 months of rent arrears the tenants are sent a written demand
        from the housing association; after approx. 3 months the housing
        association hands the case over to the bailiff
   Sweden
       7 days after the monthly rent is due the tenant formally loses the right to
        the contract

In Germany and Sweden the tenant can regain the tenancy if the rent arrear is
regulated during a certain period of time after the application for eviction is
served (Germany) or sent to court (Sweden).


                     EUROPEAN RESEARCH CONFERENCE
               Homelessness, Migration and Demographic Change in
                                    Europe
Process from rent arrear to eviction
days
                                                                         DE            NL               SE
rent arrears before an application to court can be delivered
                                                                         60            150               6
Duration until completion of service of process
                                                                         29             17               6
Duration of trial
                                                                         191            7               135
Duration of enforcement
                                                                         111            28               19
Total administrative duration (period before application not included)
                                                                         331            52              160
Total duration                                                           391           202              166
Source: Section 543 of the German Civil Code (Germany); Civil Code (Burgerlijk Wetboek), article 7:201 (The
Netherlands); Lag (1990:746) om betalningsföreläggande och handräckning 13 § (Sweden); Djankov et al (2003)


              These differences in time periods have several consequences for
              tenants at risk of being evicted.
              A long time period might be interpreted as something positive for the
              tenants, but might cause unnecessary problems both for the tenant and
              the landlord as the debt becomes insurmountable.
                              EUROPEAN RESEARCH CONFERENCE
                        Homelessness, Migration and Demographic Change in
                                             Europe
Evictions
   Germany
       When the court decision is legally binding, the responsible bailiff may
        schedule the eviction
       A forwarding agency and a lock and key service is then booked and the
        flat is emptied at the scheduled time
   The Netherlands
       The Dutch bailiff tries to collect the rent arrears or to make a payment
        arrangement. If that does not help the judge will issue an eviction order
       Evictions are carried out by a specially appointed team that consists of a
        bailiff, police officers and the staff of municipal services
   Sweden
       The execution title gives the landlord the right to apply to the bailiff for
        an execution of the eviction at the court
       “Change of name- and lock method” or stepwise eviction or immediate
        eviction
                     EUROPEAN RESEARCH CONFERENCE
               Homelessness, Migration and Demographic Change in
                                    Europe
Prevention
   Local authorities have to be informed about a notice to quit
    (Sweden), applications of evictions (Germany) and
    scheduled evictions (Germany, the Netherlands and
    Sweden)
   In Germany, rent arrears should be assumed if this is
    ”justified and necessary and the risk of otherwise becoming
    homeless threatens” (SGB II/XII)
   No Swedish authority has the immediate responsibility to
    help tenants with rent arrears
   Outreach approach in the Netherlands that offers tenants
    practical help to avert the eviction process; policy to give
    defaulters ‘a second chance’

                  EUROPEAN RESEARCH CONFERENCE
            Homelessness, Migration and Demographic Change in
                                 Europe
Comparison
   Housing markets (rented housing, social housing etc.) is quite
    different in the included countries
   Data about rent arrears are largely non-existent in all 3
    countries/cities and comparable indicators rare
       Comprehensive national statistics on evictions are only available in
        Sweden
       In the Netherlands data are only available for social housing
       In Germany there are no official data at all
   Big differences in time periods: process from rent arrear to eviction
    between 166 (Sweden) and 391 (Germany) days
   The legal possibilities to protect people with rent arrears from losing
    their flats are quite different in the compared countries



                     EUROPEAN RESEARCH CONFERENCE
               Homelessness, Migration and Demographic Change in
                                    Europe
Conclusions
   Evictions take place in the intersection between civil and
    social rights
       This could be the reason that in all three countries the local
        social services have to be informed about evictions.
   Germany seems to offer tenants and administration the
    most authority to prevent homelessness also against the
    will of the concerned landlords
   More reliable data and research is needed as rent
    arrears are the most reason behind evictions




                    EUROPEAN RESEARCH CONFERENCE
              Homelessness, Migration and Demographic Change in
                                   Europe
Thanks for your
 attention!
Lia van Doorn
lia.vandoorn@hu.nl
Susanne Gerull
mail@susannegerull.de
Sten-Åke Stenberg
stenake@sofi.su.se

               EUROPEAN RESEARCH CONFERENCE
         Homelessness, Migration and Demographic Change in
                              Europe

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Evicted in the Welfare State – a Comparative Analysis of Evictions due to Rent Arrears in Germany, the Netherlands and Sweden

  • 1. Insert your logo here Evicted in the Welfare State A Comparative Analysis of Evictions due to Rent Arrears in Germany, the Netherlands and Sweden Sten-Åke Stenberg, Lia van Doorn, Susanne Gerull Interdisciplinary Center 'Sciences EUROPEAN RESEARCH CONFERENCE for peace’ Homelessness, Migration and Demographic Change in Europe Pisa, 16th September 2011
  • 2. Outline of the Presentation  Introduction  Population and housing markets  Evictions  Regulation of evictions  Prevention  Comparison  Conclusions EUROPEAN RESEARCH CONFERENCE Homelessness, Migration and Demographic Change in Europe
  • 3. Introduction  Evictions are a major factor behind homelessness  Rent arrears seem to be the most common formal cause of evictions in Europe  Evictions take place in the intersection between civil and social citizenships  International data are scarce EUROPEAN RESEARCH CONFERENCE Homelessness, Migration and Demographic Change in Europe
  • 4. Population and Housing Markets EUROPEAN RESEARCH CONFERENCE Homelessness, Migration and Demographic Change in Europe
  • 5. Evictions  Germany/Berlin  No national statistics / no complete numbers for Berlin  Rent arrears in euro seem to decrease over the last years, but applications of evictions and evictions seem to persist on a stable level  41% of the applied evictions are executed in Berlin 2009 (est.)  The Netherlands/Amsterdam  Eviction data are only available for the Social Housing Sector  Number of evictions are decreasing because of the Housing associations’ responsive collection policies  22% of the applied evictions are executed in Amsterdam 2009  Sweden/Stockholm  Big decrease of evictions since the beginning of the 1990s  31% of the applied evictions were executed in Sweden 2009 EUROPEAN RESEARCH CONFERENCE Homelessness, Migration and Demographic Change in Europe
  • 6. Population and Housing Markets EUROPEAN RESEARCH CONFERENCE Homelessness, Migration and Demographic Change in Europe
  • 7. Regulation of Evictions  Germany  Arrears of 2 months’ rent can lead to an instant dismissal of the tenant  The Netherlands  After 2 months of rent arrears the tenants are sent a written demand from the housing association; after approx. 3 months the housing association hands the case over to the bailiff  Sweden  7 days after the monthly rent is due the tenant formally loses the right to the contract In Germany and Sweden the tenant can regain the tenancy if the rent arrear is regulated during a certain period of time after the application for eviction is served (Germany) or sent to court (Sweden). EUROPEAN RESEARCH CONFERENCE Homelessness, Migration and Demographic Change in Europe
  • 8. Process from rent arrear to eviction days DE NL SE rent arrears before an application to court can be delivered 60 150 6 Duration until completion of service of process 29 17 6 Duration of trial 191 7 135 Duration of enforcement 111 28 19 Total administrative duration (period before application not included) 331 52 160 Total duration 391 202 166 Source: Section 543 of the German Civil Code (Germany); Civil Code (Burgerlijk Wetboek), article 7:201 (The Netherlands); Lag (1990:746) om betalningsföreläggande och handräckning 13 § (Sweden); Djankov et al (2003) These differences in time periods have several consequences for tenants at risk of being evicted. A long time period might be interpreted as something positive for the tenants, but might cause unnecessary problems both for the tenant and the landlord as the debt becomes insurmountable. EUROPEAN RESEARCH CONFERENCE Homelessness, Migration and Demographic Change in Europe
  • 9. Evictions  Germany  When the court decision is legally binding, the responsible bailiff may schedule the eviction  A forwarding agency and a lock and key service is then booked and the flat is emptied at the scheduled time  The Netherlands  The Dutch bailiff tries to collect the rent arrears or to make a payment arrangement. If that does not help the judge will issue an eviction order  Evictions are carried out by a specially appointed team that consists of a bailiff, police officers and the staff of municipal services  Sweden  The execution title gives the landlord the right to apply to the bailiff for an execution of the eviction at the court  “Change of name- and lock method” or stepwise eviction or immediate eviction EUROPEAN RESEARCH CONFERENCE Homelessness, Migration and Demographic Change in Europe
  • 10. Prevention  Local authorities have to be informed about a notice to quit (Sweden), applications of evictions (Germany) and scheduled evictions (Germany, the Netherlands and Sweden)  In Germany, rent arrears should be assumed if this is ”justified and necessary and the risk of otherwise becoming homeless threatens” (SGB II/XII)  No Swedish authority has the immediate responsibility to help tenants with rent arrears  Outreach approach in the Netherlands that offers tenants practical help to avert the eviction process; policy to give defaulters ‘a second chance’ EUROPEAN RESEARCH CONFERENCE Homelessness, Migration and Demographic Change in Europe
  • 11. Comparison  Housing markets (rented housing, social housing etc.) is quite different in the included countries  Data about rent arrears are largely non-existent in all 3 countries/cities and comparable indicators rare  Comprehensive national statistics on evictions are only available in Sweden  In the Netherlands data are only available for social housing  In Germany there are no official data at all  Big differences in time periods: process from rent arrear to eviction between 166 (Sweden) and 391 (Germany) days  The legal possibilities to protect people with rent arrears from losing their flats are quite different in the compared countries EUROPEAN RESEARCH CONFERENCE Homelessness, Migration and Demographic Change in Europe
  • 12. Conclusions  Evictions take place in the intersection between civil and social rights  This could be the reason that in all three countries the local social services have to be informed about evictions.  Germany seems to offer tenants and administration the most authority to prevent homelessness also against the will of the concerned landlords  More reliable data and research is needed as rent arrears are the most reason behind evictions EUROPEAN RESEARCH CONFERENCE Homelessness, Migration and Demographic Change in Europe
  • 13. Thanks for your attention! Lia van Doorn lia.vandoorn@hu.nl Susanne Gerull mail@susannegerull.de Sten-Åke Stenberg stenake@sofi.su.se EUROPEAN RESEARCH CONFERENCE Homelessness, Migration and Demographic Change in Europe

Notas del editor

  1. Introduction FEANTSA Information from FEANTSA’s members Specific look at some countries (not IE and UK)