Report German Homeownership Rates At 43% in House prices and the economy Posted March 9, 2011 Its the degree of punitive-ness if that's a word. Home ownership is a good and desirable thing but when easy and unsustainable credit has pumped that up so that it costs 2 people half of their income for 25 years to buy some sub standard dump, you have to look at the alternatives. Out of interest, who owns all the housing stock and how well concentrated is it in Germany? The state? Private companies? Or the individual equivalents of our amateur BTL slumlords? I saw a television programme a few years ago about housing in Germany. Firstly it hi-lighted the percentage of rental to ownership, but also advised the rental properties are owned by pensions companies. They will buy whole apartment complexes or housing areas and rent them out, in the same way our pension companies buy and rent out commercial property. I suspect the German method would generate a steady stream on income, as opposed to our method.