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In 2025, The European Commission announced its European Affordable Housing Plan aimed at ensuring greater affordability through increasing the European housing supply and mobilising new investment. However, given that European price dynamics are also driven by money creation and financing conditions, some scholars call for credit guidance to complement this supply-side approach to housing. This commentary argues that credit guidance alone is not sufficient to restore European housing affordability. Instead, it recommends aligning credit guidance with mission-oriented investment policy to create strategic multiplier effects across finance, development and planning. Only then can European investment be steered towards affordability in perpetuity.
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Wijburg et al. (2026) studied this question.
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