Fundación Alternativas
“Gestión híbrida de la vivienda social en España. Hacia modelos colaborativos de provisión pública al margen del lucro”

Affordable housing and the financial sector in Spain

Fundación Alternativas released a report entitled “Mixed management of affordable housing in Spain: Towards collaborative models of not for profit public housing”. It highlights that:

  • Spain’s supply of public rental housing does not meet current demand. 
  • Direct rental support is needed given the scarcity of affordable rental housing. However in times of crisis, government aid is reduced, leaving the population vulnerable.
  • A greater supply of affordable housing would help moderate private rental market prices, based on the experience of other European countries.
  • The “Dutch model” provides a role for non-profit social organizations in the provision of affordable housing. Over the years, it has strengthened the affordable housing sector, now one of the strongest in Europe. “Housing Associations” have been the key to this strength. 
  • Housing policy should be reoriented towards the search for alternative solutions based on collaboration between the public and private actors and non-profit organizations. 

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23/10/2025

According to Kristalina Georgeva IMF Managing Director, lifting growth requires three things: one, regulatory housecleaning to unleash private enterprise; two, deeper regional integration; and three, preparedness to harness AI.

International Monetary Fund
World Economic Outlook and Global Financial Stability reports, October 2025
15/10/2025

According to The European House – Ambrosetti, the European Union has an opportunity to boost competitiveness and growth by simplifying regulatory and supervisory frameworks, particularly in the areas of sustainability and the financial sector.

The European House- Ambrosetti
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According to Ramón Casilda Béjar, Spain, in today’s complex geopolitical landscape, has the opportunity to strengthen its role as a bridge and connecting country between Ibero-America and the European Union, revitalizing investment flows in both directions.

Instituto Español de Estudios Estratégicos
Revitalizar el espacio inversor iberoamericano con España como puente y país vertebrador con la Unión Europea
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European Central Bank, Francesca Faella and Alejandro Zamora-Pérez
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According to Juan S. Mora-Sanguinetti, in Spain a 10% increase in regulatory volume leads to a 0.5% drop in employment in companies with fewer than 10 employees.

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17/09/2025

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International Monetary Fund
Stablecoins, Tokens, and Global Dominance
17/09/2025

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CEPS
EU simplification will fail without better governance: three necessary reforms to make sure it doesn’t fail
Judith Arnal
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According to @iee_org, Spain has one of the most demanding tax environments for businesses within the European and international context, which may have significant implications for competitiveness, foreign investment attraction, and business expansion.

Instituto de Estudios Económicos
Competitividad fiscal empresarial 2025
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According to Christine Lagarde for the euro to gain in status, Europe must take decisive steps by completing the single market, reducing regulatory burdens and building a robust capital markets union.

Christine Lagarde, President of the ECB
Europe’s “global euro” moment
29/05/2025

According to the Bank of Spain, in a context of strong growth in transactions and prices, the conditions under which new mortgage loans are granted currently show no signs of easing in lending standards.

Bank of Spain
Informe de Estabilidad Financiera. Primavera 2025
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Mckinsey 6 Company
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24/04/2025

IMF states that global financial stability risks have grown significantly, driven by tighter financial conditions and heightened trade and geopolitical uncertainty.

International Monetary Fund
Global Financial Stability report, April 2025
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