| 单词 | owner-occupied housing |
| 释义 | owner-occupied housing The system by which a house or flat is owned by its occupants. This is in contrast to rented housing, where the owner and the occupant are different people. Owner-occupied housing is the largest single form of housing tenure in the UK and many other industrial countries. It is encouraged by the tax system where, as in the UK, the imputed income received by owner-occupiers is not counted as part of taxable income. Owner-occupiers are responsible for maintenance and insurance of their homes. These may be owned outright, or be financed by a mortgage, using the house as collateral for a loan. While owner-occupation is very popular, it is not suitable for the very poor, who cannot afford to buy, the incompetent, who cannot cope with the maintenance problems, or the very mobile, who find the transactions costs involved in frequent house purchase and sale excessive. |
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