One of the biggest problems on the Dutch housing market is the large gap between the rental and the owner-occupied market. Since the latter is characterized by high prices due to limited supply, ! rst-time buyers often face an affordability issue. To promote home ownership and greater freedom of choice for their customers, Dutch housing corporations have developed several hybrid forms of sale over time.

The most popular hybrid form of sale is called Koopgarant. Koopgarant combines a discount on the initial sales price with a number of conditions on the sales contract. The most important condition is that the future pro! t (or loss) is shared at turnover1. Until the end of 2009, around 15,000 Koopgarant houses have been sold. And its popularity is increasing: in 2009 5,000 to 6,000 houses were sold, compared to fewer than 3,000 in 2008.

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