Lis, Piotr2023-07-072023-07-072019978-88-99243-93-7https://hdl.handle.net/20.500.14235/363The liberalisation of the housing sectors in Central and European Countries since the beginning of this century, given the macroeconomic stabilisation of these countries, influenced the development of housing loans as a primary instrument of satisfying housing needs and wants, with large growth dynamics of the household debt. The main aim of this paper is to evaluate the possibilities and limitations of the state and local authorities’ activities in providing adequate and affordable housing and resisting financialisation in the years 2000-2018. A growth in financialisation resulted partly from the fact that newly established households preferred in particular the ownership right, especially due to its limited scope in the period of the centrally planned economy. Furthermore, this growth came as a result of the fact that the segment of dwellings for rent – both private and social – did not work well. Significant commodification of dwellings, mass privatisation of the housing stock and the accompanying process of decentralisation in some countries, with a residual character of social housing and marginal private rental, as well as higher social stratification are the features of the contemporary system of provision for housing in CEEC.enhousingliberalisationhousing policystate interventionCentral and European CountriesArticle2136-2143