In Germany, home ownership is viewed more as a consumer good than a financial asset.

CASE STUDY: Germany's different mindset for home ownership

Only around 45 per cent of German homes are owner-occupied.

Renting in Germany is much more secure than renting in many other countries, with tenants heavily protected by law. Landlords are unable to evict tenants at short notice and have a much greater sense of duty of care.

In Germany, most properties are owned by institutions, including pension funds, insurance companies and specialist landlords. The biggest of these is Deutsche Annington, a company that owns over 200,000 units. Meanwhile, viewed more as a consumer good than a financial asset, German house prices are a lot less volatile and prices have remained stable for decades.

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