Restrictive lending policies have drastically worsened the affordability of real estate, pushing up rental prices and often making rental properties unsuitable for letting. At the same time, there is a shortage of suitable rental housing and, on the other hand, too many landlords who do not have the means to renovate their properties. They often live in inadequately maintained (too big) housing themselves. Both in terms of property prices, especially in the larger cities, and the level of rents, it is virtually impossible for young people to get an apartment or a house. On the other hand, it is also visible, even from the outside, that many properties are abandoned, unkept, mouldy, with old, inadequate windows, which, at least in apartment blocks, endangers the neighbouring flats, or the owners of these flats incur higher heating and maintenance costs for their own properties.
I therefore propose:
1. credit should also be made available on the basis of a commitment by the owner of the property, who does not have the means to renovate it or is otherwise not granted credit by the banks, to use the credit to renovate it and then to rent it out until the credit is repaid; in this case, the rent is the cover for the instalments of the credit.
2. Properties, especially in multi-apartment buildings, should be maintained, heated, ventilated, unused, unoccupied properties, especially apartments in multi-apartment buildings, should be subject to regular inspections by inspectors. If the owner is unable or unwilling to renovate and otherwise maintain the property properly, a temporary seizure, renovation and rental order would be ordered as described in point 1 until the loan is repaid. Owners living in oversized dwellings which they are unable to maintain would be provided with a suitable smaller habitable dwelling in the meantime.
Of course, part of the money for accessibility should also come from the state in the form of grants under the housing policy and funds for ecologically sound renovation of properties, thereby reducing the carbon footprint of heating properties. Slovenia has received or may receive additional funding from the EU for this.