论文标题
低收入租赁住房市场的反馈动态：探索对Covid-19的政策回应
Feedback Dynamics of the Low-Income Rental Housing Market: Exploring Policy Responses to COVID-19
论文作者
论文摘要
共同衰退威胁着大规模住房的不安全性，破坏了经济复苏。前所未有的联邦政策回应停止了法院命令的驱逐，但是问题是否充分说明了驱动房东居民互动的动态，包括租金和抵押欠款欠款，租赁单位可用性，租金单位的可用性以及低收入的住房选择。系统动力学模型探究了复杂的反馈动力学，促进了低收入租赁住房市场和大流行后保护措施中的租户和房东决策。反馈循环重点介绍了低收入租户和房东在稀缺和不确定性的背景下考虑的权衡。模拟表明，在2021年底到期之前，驱逐暂停将驱逐降低了51％，但租赁欠款，拥挤和无家可归仍然很高。联邦紧急租赁援助进一步导致驱逐较低，但对住房的不安全感和无家可归的影响只有适度的影响。资金的更快分配将大大增加影响。未能解决基本的财务困难和有限的负担得起的住房破坏了共同恢复。
The COVID-19 recession threatens mass housing insecurity that undermines economic recovery. Unprecedented federal policy responses halt court-ordered evictions, but questions remain whether policies adequately account for dynamics that drive landlord-tenant interactions including accumulations of rental and mortgage arrears, rental unit availability, and low-income housing options. A system dynamics model probes complex feedback dynamics driving tenant and landlord decision-making in the low-income rental housing market pre- and post-pandemic protections. Feedback loops highlight tradeoffs considered by low-income tenants and landlords in the context of scarcity and uncertainty. Simulations suggest the eviction moratorium reduced evictions by 51% before its expiration in late 2021, but rental arrears, overcrowding, and homelessness remained high. Federal emergency rental assistance further contributed to keeping evictions low, but showed only modest effects on housing insecurity and homelessness. More rapid allocation of funds would substantially increase impact. Failure to address underlying financial hardship and limited affordable housing undermine COVID recovery.
