Martina Eckardt is Professor of Public Finance and Public Policy at Andrássy University Budapest (AUB). Along with her affiliation to AUB, she is member of faculty at the University of Bamberg, Germany. Prof. Eckardt holds a Ph. D. of the University of Jena and the venia legendi in economics of the University of Rostock; she was Teaching and Research Assistant at the University of Bamberg, Assistant Professor at the Unviersity of Rostock and Associate Professor at the University Witten-Herdecke, Germany. Her main fields of research are comparative Law and Economics, evolutionary and institutional economics and industrial economics. Related to the topic “Old-Age Provision and Homeownership”, she has published i.e. on insurance economics, pension policy and the pensions OMC.Jörg Dötsch is Associate Professor at Andrássy University Budapest (AUB) and the University’s representative for company contacts. He received his Ph. D. in economics from the University of Bayreuth (2012). He obtained a researcher excellence grant from the Hungarian Office of Public Administration and Justice (2013). Jörg Dötsch specializes in evolutionary economics with a focus on old-age security and knowledge economy.Stefan Okruch is Professor of Economic Policy at Andrássy University Budapest (AUB), where he also gathered rich experience in international Academic Management. Along with his affiliation to AUB, he is member of faculty at the University of Bamberg, Germany, and visiting professor at the University of Bayreuth, Semmelweis University Budapest, and Hamburg School of Business Administration. He holds a Ph.D.  and the venia legendi in economics of the University of Bayreuth; he was senior research fellow at the interdisciplinary Max Planck Institute on Common Goods in Bonn, Germany. His main fields of research are evolutionary and institutional economics with a strong interdisciplinary bias (especially Law & Economics, Economics and Policy Learning). Related to the topic “Old-Age Provision and Homeownership”, he has published i.e. on Social Security reform, and on policy learning and the pensions OMC.

• PART I   OLD-AGE SECURITY AND HOMEOWNERSHIP IN THE EU – AN OVERVIEW.- Personal Pensions and Homeownership in the EU – an Overview (Martina Eckardt, Andrássy University Budapest, Hungary).- Old-Age Poverty and Residential Property in the EU – An Analysis with the EU-SILC 2014 Data (Eszter Megyeri, Andrássy University Budapest, Hungary).- PART II             WELL-DEVELOPED MARKETS FOR PRIVATE PENSIONS AND HOMEOWNERSHIP.- Holding on and Letting Go in Ireland - Examining the Policy and Fiscal Environment for Supplementing Retirement Income from Residential Property (Yogesh Jaiyawala, John Maher, Richard Burke, Sean Byrne, Waterford Institute of Technology, Ireland.- Dutch Pensions and Housing: Towards a Social Divide (Marietta E.A. Haffner, Delft University of Technology, Netherlands).- Pensions, Housing and Mortgage Markets in the United Kingdom (Tripti Sharma, Donal McKillop, Declan French, Queen’s Management School, Queens University Belfast, UK).- PART III COUNTRIES WITH A HIGH DEGREE OF HOMEOWNERSHIP, BUT A RATHER LOW DEGREE OF PRIVATE PENSIONS.- Italy: an Ageing Country with Low Level of Private Pension Schemes but High Home-Ownership Rate (Pierluigi Murro, LUMSA University Rome, Italy and Flaviana Palmisano, University of Rome La Sapienza, Italy).- My Home is My Castle? Sustainability of Private Pensions and Private Homeownership in Hungary (Jörg Dötsch, Martina Eckardt, Eszter Megyeri, Andrássy University Budapest, Hungary).- PART IV       COUNTRIES WITH A LOW DEGREE OF HOMEOWNERSHIP AND A LOW DEGREE OF PRIVATE PENSIONS.- Germany: Ageing Economy with Rising Pension Gap, Stable Mortgage Market and Well-Developed Rental Market (Sebastien Clerc-Renaud, Dirk Ulbricht, Institut für Finanzdienstleistungen Hamburg, Germany and Doris Neuberger, University of Rostock/ Institut für Finanzdienstleistungen Hamburg, Germany)

Martina Eckardt is Professor of Public Finance and Public Policy at Andrássy University Budapest (AUB). Along with her affiliation to AUB, she is member of faculty at the University of Bamberg, Germany. Prof. Eckardt holds a Ph. D. of the University of Jena and the venia legendi in economics of the University of Rostock; she was Teaching and Research Assistant at the University of Bamberg, Assistant Professor at the Unviersity of Rostock and Associate Professor at the University Witten-Herdecke, Germany. Her main fields of research are comparative Law and Economics, evolutionary and institutional economics and industrial economics. Related to the topic “Old-Age Provision and Homeownership”, she has published i.e. on insurance economics, pension policy and the pensions OMC.Jörg Dötsch is Associate Professor at Andrássy University Budapest (AUB) and the University’s representative for company contacts. He received his Ph. D. in economics from the University of Bayreuth (2012). He obtained a researcher excellence grant from the Hungarian Office of Public Administration and Justice (2013). Jörg Dötsch specializes in evolutionary economics with a focus on old-age security and knowledge economy.Stefan Okruch is Professor of Economic Policy at Andrássy University Budapest (AUB), where he also gathered rich experience in international Academic Management. Along with his affiliation to AUB, he is member of faculty at the University of Bamberg, Germany, and visiting professor at the University of Bayreuth, Semmelweis University Budapest, and Hamburg School of Business Administration. He holds a Ph.D.  and the venia legendi in economics of the University of Bayreuth; he was senior research fellow at the interdisciplinary Max Planck Institute on Common Goods in Bonn, Germany. His main fields of research are evolutionary and institutional economics with a strong interdisciplinary bias (especially Law & Economics, Economics and Policy Learning). Related to the topic “Old-Age Provision and Homeownership”, he has published i.e. on Social Security reform, and on policy learning and the pensions OMC.

• PART I   OLD-AGE SECURITY AND HOMEOWNERSHIP IN THE EU – AN OVERVIEW.- Personal Pensions and Homeownership in the EU – an Overview (Martina Eckardt, Andrássy University Budapest, Hungary).- Old-Age Poverty and Residential Property in the EU – An Analysis with the EU-SILC 2014 Data (Eszter Megyeri, Andrássy University Budapest, Hungary).- PART II             WELL-DEVELOPED MARKETS FOR PRIVATE PENSIONS AND HOMEOWNERSHIP.- Holding on and Letting Go in Ireland - Examining the Policy and Fiscal Environment for Supplementing Retirement Income from Residential Property (Yogesh Jaiyawala, John Maher, Richard Burke, Sean Byrne, Waterford Institute of Technology, Ireland.- Dutch Pensions and Housing: Towards a Social Divide (Marietta E.A. Haffner, Delft University of Technology, Netherlands).- Pensions, Housing and Mortgage Markets in the United Kingdom (Tripti Sharma, Donal McKillop, Declan French, Queen’s Management School, Queens University Belfast, UK).- PART III COUNTRIES WITH A HIGH DEGREE OF HOMEOWNERSHIP, BUT A RATHER LOW DEGREE OF PRIVATE PENSIONS.- Italy: an Ageing Country with Low Level of Private Pension Schemes but High Home-Ownership Rate (Pierluigi Murro, LUMSA University Rome, Italy and Flaviana Palmisano, University of Rome La Sapienza, Italy).- My Home is My Castle? Sustainability of Private Pensions and Private Homeownership in Hungary (Jörg Dötsch, Martina Eckardt, Eszter Megyeri, Andrássy University Budapest, Hungary).- PART IV       COUNTRIES WITH A LOW DEGREE OF HOMEOWNERSHIP AND A LOW DEGREE OF PRIVATE PENSIONS.- Germany: Ageing Economy with Rising Pension Gap, Stable Mortgage Market and Well-Developed Rental Market (Sebastien Clerc-Renaud, Dirk Ulbricht, Institut für Finanzdienstleistungen Hamburg, Germany and Doris Neuberger, University of Rostock/ Institut für Finanzdienstleistungen Hamburg, Germany)