Approaching the cliff edge? The intentions of private sector landlords on cessation of the eviction ban in Scotland.

接近悬崖边缘？

• 批准号: ES/W002868/1
• 负责人: Andrew Watson
• 金额: $ 3.58万
• 依托单位: University of Glasgow
• 依托单位国家: 英国
• 项目类别: Research Grant
• 财政年份: 2021
• 资助国家: 英国
• 起止时间: 2021 至 无数据
• 项目状态: 已结题
• 来源: https://gtr.ukri.org/projects?ref=ES%2FW002868%2F1
• 关键词: Approaching; cliff; edge; intentions; private

SummaryThe Private Rented Sector has grown considerably over the last 25 years and is now a crucial part of the UK's housing mix. The sector provides easily accessible accommodation for young, mobile, transient populations, but is increasingly being used to provide long term accommodation for vulnerable groups who in earlier times might have been able to access local authority or housing association accommodation. With the arrival of Covid, The Scottish Government made a series of temporary changes to the legislation that governs the tenant eviction process. These changes have been made over concerns that Covid-19 would result in an increase in evictions resulting in tenants being made homeless and support services being overwhelmed. The changes include extensions to notice periods (up to 6 months) for certain grounds, the introduction of 'Pre-action requirements', and the re-classification of all grounds as discretionary. Importantly the changes also include a ban on evictions due to tenant non-payment, until the end of September 2021. The amendments apply to all areas under a Tier 3 or Tier 4 lockdown.Whilst these changes are believed to have safeguarded tenants and support services in the short term, they have not addressed the underlying problems, and unprecedented levels of rent arrears have accumulated for private landlords. Every additional month of arrears increases tenant debt levels and further reduces landlord income. In many cases landlords rely on this income to support their living expenses or service a mortgage. The changes are only temporary and there is great concern as to what will happen when the ban is lifted. Some believe that there will be no markable increase in the number of evictions, others belief that there will be a significant increase leading to many tenants being made homeless. While the truth is likely to be somewhere in between, policy makers, service providers and charities urgently need a more detailed understanding of what is likely to happen, to allow them to create policies that minimise the impacts of the ban when it comes to an end. To obtain this understanding we need to identify the extent of the problem as it stands, specifically, how many landlords have arrears and how large are the arrears? We also need to gain insights into how landlords are currently dealing with arrears, to identify how familiar landlords are with the temporary changes in legislation, and to ascertain whether the support currently available, such a loan schemes, is fit for purpose. Insight into the resilience of landlords and identification of the tipping points that may result in an increase in evictions is also necessary, as is the identification of landlord intentions following the cessation of the ban.Unfortunately, we do not currently know the answers to these questions. In fact, we know very little about the behaviours or intentions of landlords in general. This research therefore aims to answer these questions by undertaking primary research with the support of landlords. The research will take the form of a quantitatively focused online questionnaire, which will be issued to a large population of Scottish Private Rented Sector (SPRS) landlords via our project partner SafeDeposits Scotland. The responses from the survey will be analysed and findings generated. The findings will then be shared directly with Government, Parliament, Service Providers and Third Sector organisations. To maximise impact and reach, the findings will be also be made available through a series of blogs and tweets. The entire research process from survey design to the dissemination of the findings will take just 4 months. This accelerated program is required to allow those receiving the data sufficient time to digest the findings and generate appropriate policies in response.

摘要在过去的25年里，私人租赁行业有了长足的发展，现在已经成为英国住房结构中的重要组成部分。该部门为年轻、流动的暂住人口提供了方便的住所，但越来越多地被用来为弱势群体提供长期住所，这些弱势群体在早期可能能够获得地方当局或住房协会的住所。随着Covid的到来，苏格兰政府对管理租户驱逐程序的立法进行了一系列临时修改。做出这些改变是因为担心新冠肺炎会导致更多的驱逐，导致租户无家可归，支持服务不堪重负。这些变化包括延长某些理由的通知期(最多6个月)，引入“诉讼前要求”，以及将所有理由重新归类为自由裁量权。重要的是，这些变化还包括禁止因租户不付款而驱逐房客，直到2021年9月底。这些修订适用于所有被第三级或第四级封锁的地区。虽然这些变化被认为在短期内保障了租户和支持服务，但它们并没有解决根本问题，私人业主的欠租水平达到了前所未有的水平。每多拖欠一个月，租户的债务水平就会增加，房东的收入也会进一步减少。在许多情况下，房东依靠这笔收入来支持他们的生活费或偿还抵押贷款。这些变化只是暂时的，人们非常担心禁令解除后会发生什么。一些人认为驱逐的数量不会有明显的增加，另一些人认为会有显著的增加，导致许多租户无家可归。尽管真相可能介于两者之间，但政策制定者、服务提供商和慈善机构迫切需要更详细地了解可能发生的事情，以便他们能够制定政策，在禁令结束时将影响降至最低。为了获得这种理解，我们需要确定问题的严重程度，具体地说，有多少业主有欠款，欠款的金额有多大？我们还需要深入了解房东目前如何处理欠款，确定房东对临时立法变化的熟悉程度，并确定现有的支持，如贷款计划，是否适合用途。此外，亦有必要深入了解业主的应变能力，找出可能导致驱逐个案增加的临界点，以及在禁令终止后找出业主的意向。事实上，我们对房东的一般行为或意图知之甚少。因此，本研究旨在通过在房东的支持下进行初步研究来回答这些问题。这项研究将采取以数量为重点的在线问卷的形式，通过我们的项目合作伙伴SafeDeposits Scotland向大量苏格兰私人租赁部门(SPRS)房东发放。将对调查的答复进行分析，并得出结论。然后，调查结果将直接与政府、议会、服务提供商和第三部门组织分享。为了最大限度地扩大影响和覆盖范围，调查结果还将通过一系列博客和推文公布。整个研究过程从调查设计到结果传播只需要4个月的时间。这一加速计划是必要的，以便让那些收到数据的人有足够的时间消化调查结果并制定适当的应对政策。

项目成果

The Pandemic Arrears Crisis: Private landlord perspectives on the temporary legislation impacting the Private Rented Sector

流行病拖欠危机：私人房东对影响私人租赁部门的临时立法的看法

• 发表时间: 2021
• 作者: Andrew Watson

Unwinding the Pandemic Rent Arrears Crisis

缓解疫情拖欠租金危机

• 发表时间: 2021
• 作者: Andrew Watson