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3 minutes ago, zorglub said:

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Gospode Boze

Koliki je taj lobi?

Pravo pitanje je koliko se to pije pivo u Australiji

Nakon uobičajenih zahvalnica, bitan deo počinje od nekih 8:30.

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On 12. 2. 2026. at 3:44, zorglub said:

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@noskich bio u pravu, korupcija i lopovi na sve strane.

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Nije samo poredjenje cene iznajmljivanja, vec plata i koliko je (ne)povoljno na osnovu visine plate iznajmiti plus pomoc drzave

How Dublin rents compare to Vienna, Paris and Helsinki

https://www.rte.ie/news/business/2026/0405/1566492-rents-europe/

Rents in Dublin are among the highest in Europe, surpassed only by financial hubs like London and Zurich.

How does the Irish capital compare to other European cities? RTÉ News looked at average rents in Vienna, Paris and Helsinki – the capitals comparable to Dublin in population and standard of living.

Renting a newly listed two-bedroom apartment (about 73 square metres) in Dublin cost an average of €2,241 in the last three months of 2025, according to the Residential Tenancies Board. Existing tenants paid around €1,892 on average.

Renting an apartment of a similar size in Paris cost roughly €2,120 in early 2025, according to OLAP, an NGO that monitors rents in the city.

In most central districts, rents are capped at around €27-29 per square metre, though independent reports show that roughly a third of rentals in the French capital did not comply with the regulation.

According to the official city portal, 71% of Parisians are eligible for housing provided by social landlords.

While social housing is more accessible to essential workers like teachers and healthcare workers, affordable housing is becoming increasingly scarce in Paris. The French media have been reporting on long queues for viewings of apartments (akin to those seen in Dublin) as many Parisians consider leaving the world's most popular capital and relocate to the suburbs or other cities.

Rent controls also play a key role in Vienna's rental landscape.

Famous for its opera and leafy parks, the Austrian capital has a unique system, hailed as "renters' utopia" by The New York Times.

Around 73% of Vienna’s population rent rather than own their home.

Social and affordable housing accounts for around a half of Vienna’s rental dwellings, "which has a price-dampening effect on the overall housing market in the capital", the city's officials argue.

Back in the 1920s, Vienna's socialist government set out on a mission to create affordable housing for a broad strata of the population. In an ambitious architectural endeavour, complexes like the Karl-Marx-Hof community building emerged.

Today the majority of residents qualify for some form of social housing in Vienna – either in 220,000 municipal units owned by the city, or in co-operative flats built with government subsidies).

Vienna's relatively low eligibility threshold for social housing means it is not limited to low-income groups and is widely seen as the norm across diverse segments of society.

According to Statistik Austria, average rent per square metre stood at around €10 in the last quarter of 2025, bringing a monthly cost of a two-bed dwelling to roughly €700.

However, newcomers will likely have to pay closer to €1,400-€1,600 for a two-bed, as one must be Vienna's resident for at least two years to qualify for social housing.

The "Vienna model" also allows tenants to pass on their rental conditions to family members and gives the right to rent indefinitely.

Critics of the system argue that such protections create problems and even add to inequality.

According to the American Enterprise Institute, a Washington-based conservative think tank, there is a significant difference between old and new rents in Vienna, with new entrants into the rental market facing significant challenges and higher rents than long-term tenants.

"This creates a system where single doctors or lawyers with large earnings, who live in handed down units, may pay lower rents and live in larger units than families with children, who just moved in," said AEI’s Tobias Peter.

The cost of it all for the country's budget has also been questioned. Austria's spending on social rental housing is among the highest in the world at 0.21% of its GDP, according to the Organisation for Economic Co-operation and Development.

That compares to less than 0.1% here, though Ireland's GDP is widely considered artificially inflated by US multinationals.

Renting an apartment in Helsinki is arguably the easiest among all the capitals mentioned, at least on the private market.

Private rents in the capital region dropped 1.3% last year compared to 2024, amid an oversupply of rental homes, though the cost of state-supported housing increased by 3%.

Helsinki's rental market includes both non-subsidised and subsidised dwellings, with the latter accounting for around 15% of all listings according to official sources.

Tenants for social housing (known as ARA) are selected from a waiting list based on their need for housing and their income.

According to Statistic Finland, in the last three months of 2025, a square metre in Helsinki cost €20, or €15 in a subsidised rental.

That means an average two-bed would rent for €1,460, or €1,095 if subsidised.

Affordability of rents

When it comes to the affordability of rents in relation to incomes, Irish consumers benefit from wages above the EU average.

According to Eurostat, the average gross salary here was €61,051 in 2024. That compares to €58,600 in Austria, €49,428 in Finland and €43,790 in France.

Households in Ireland do not generally have to spend a higher proportion of their income on housing than those in other parts of Europe, according to the 2023 study by Dr Rachel Slaymaker and Wendy Disch.

However, the analysis found that middle-to-higher income renters in Ireland face greater affordability pressures than similar households in Europe.

"We have a gap in the middle, where the middle-income households, who are above social housing thresholds, find market rents very challenging, particularly in places like Dublin," Dr Slaymaker told RTÉ News.

The concept of social housing is also implemented in a different way here compared to some other EU nations, where cost-rental systems are "more established," like in Vienna.

"One of the things that we would see in Ireland is a so-called dualist system. There's quite a distinction between the private market and the social housing sector, which caters specifically for lower-income households," the ESRI researcher said.

While higher-than-average wages do give an advantage to the Irish renters, the limited implementation of cost-rental practices and short supply are placing Dublin's rental market among the toughest in Europe.

And the demand will only continue to grow – along with the country's population, which is expected to reach 6.45 million people by 2057 under moderate projections.

Ovo stavljam ovde jer se ne tice samo Dablina vec i niza evropskih gradova. Pri cemu Dablin nije najgori, primera radi Prag, ga je po cenama nekretnina prestigao, kada se ledaju plate. Isto je ogroman skok cena u Kopenhagenu

How many years of salary buys a home in Ireland v Europe?

https://www.rte.ie/news/business/2026/0707/1579260-housing-income-comparison/

The house purchasing power of Irish residents has significantly weakened in the last few decades.

In 1995, the price of a house was the equivalent of around five times average annual salary. At that time the average price of a house stood at €88,664, while average annual earnings in construction and industrial sectors were about €17,000.

In 2024, buying a house in Dublin equated to just under 10 times the median annual salary, according to recent figures from the Central Statistics Office.

While median annual salaries in the capital rose 2.9-fold to €49,224 in almost 30 years, the median price of a house in Dublin soared five-fold to €472,000 in the same period.

The reality for prospective homeowners here has clearly hardened, but how does it compare to other European nations? Is the path to homeownership any shorter outside Ireland?

Europe’s least affordable cities

Amsterdam, Athens and Prague are among Europe’s least affordable cities when it comes to buying a house, based on price-to-salary ratio.

According to Deloitte’s property index, in 2024 buying a home in the Dutch capital required 15.4 times annual gross salary, 15.3 in the Greek capital, and 15 in the capital of Czechia.

Amsterdam remains one of Europe’s most expensive housing markets, with the cost of a square metre in a new home ranging between €7,500-€10,000.

Residential property prices have also been soaring in Prague - not least due to the rising numbers of international residents, combined with a low supply of new homes.

Supply has become a key issue across the EU, especially in capital cities.

In a positive trend, in 2024, Ireland became a European leader in delivering new homes - 12.84 dwellings per 1,000 inhabitants. But that comes from a very low base - Ireland's housing stock remains amongst the smallest in Europe.

'People just like to live in Copenhagen’

On the other end of the housing affordability scale from Amsterdam and Prague are cities like Turin in Italy and Croatia's capital Zagreb, where buying a home would take five and seven times the yearly salaries respectively.

Danish cities Aarhus and Odense are also Europe’s most affordable, though the property market in the capital, Copenhagen, tells a different story.

Like Ireland, the strong Danish economy offers high wages, but also above-EU-average housing costs.

Soaring demand and lagging supply sent property prices to new highs in the city frequently ranking as one of the world’s most liveable.

"People just really like to live in Copenhagen", Chief Economist at Danish housing think-tank Boligøkonomisk Videncenter Mark Lund Andersen told RTÉ News, citing the "tremendous development" of the city in the 1990s.

Prices of owner-occupied apartments jumped by an "extraordinary" 24% in 2025, according to the Danish National Bank, which called the increases "unsustainable" and "significantly higher" than in comparable countries.

The average asking price for a square metre in an apartment in Copenhagen went as high as €8,000 at the end of 2024, according to the Danish banks' association Finans Danmark, bringing the price of a 73sq/m apartment to around €580,000.

Depending on a person's earnings, it could take between six and nine times the annual salary to purchase such apartments in Copenhagen. Gross full-time annual earnings were roughly between €64,000 and €96,000 in the Danish capital in 2024, according to Statistics Denmark.

With affordability becoming a real issue in the city, Danish housing experts are calling for an urgent increase in new houses and denser development.

Mr Lund Andersen has been critical of some regulations - for example, a 2005 rule requiring the average apartment size within a development to be at least 95 sq.m, meaning smaller units must be offset by larger ones in the same building.

"The argument was that we need to make it possible for families to actually stay in Copenhagen and raise kids - fair enough," he said.

However, 21 years later that is "inefficient", he argues, advocating for smaller flats.

The key difference between Dublin and Copenhagen is that Danish residents are generally under much lower pressure to become homeowners than many in Ireland, due to other housing options and a more mature rental market

Owner-occupied apartments account only for 20% of dwellings, with social housing making up a significant portion of housing in the city.

In comparison, roughly half of all Dublin homes are owner-occupied - with or without a mortgage.

"We have maybe the best social housing system in place in the world," Mr Lund Andersen said.

"We don't like to call it a social housing sector because the quality is completely different to what you see in most other countries. It's a very high standard, very high-quality housing."

Warsaw - booming economy, soaring prices

On the other flank of the EU, many central and eastern European countries have relatively low house prices in absolute terms, but house-price-to-salary ratio and mortgage rates can be less favourable than in western European states.

In Prague, the price per square metre in a new dwelling has soared to €5,900, close to the levels seen in Dublin, despite salaries there being much lower.

High interest rates of around 5% are making purchases even more difficult.

Expensive mortgages are also an issue in neighbouring Poland, where borrowing costs can go as high as 8%.

Poland’s economic boom has been hailed in recent years, however, delivering enough new housing for the population of over 38 million people has remained challenging.

While supply in Warsaw dropped by 37% in 2024, housing prices soared by around 20% in the same year - to €3,800 per sq.me, according to the country's central bank.

So, to buy a 73 sq.m flat worth €275,000 would require 10 times a yearly salary, which in Warsaw stood at €28,320.

Square metres cheaper in Brussels than in Dublin

Belgium also struggles to address increasing demand for housing, amid growing population and falling family size.

Economists and housing analysts there are urging policymakers to dramatically increase delivery of new homes in the coming years and modernise the existing stock.

In 2024, prices for new dwellings in Brussels increased by almost 4% to around €4,500 per sq.m, which is still below Dublin’s cost of around €6,000.

That brings the cost of an average 73 sq.m apartment to around €330,000.

According to the country’s statistics office Statbel, a median annual salary in Brussels was €46,284 in 2024, meaning it would take "only" seven times annual salaries to buy a new apartment in the Belgian capital.

Housing realities

The house-price-to-salary ratio cannot fully capture housing realities of a given city or country.

Dr Rachel Slaymaker, an economist and housing researcher at the ESRI, notes that housing conditions are also shaped by access to affordable and social housing, mortgage rates and security of tenure.

"Ireland has always been a homeownership society, whereas in many European countries, renting long-term is much more common," she said.

A "tougher" rental sector leaves fewer routes to secure stable housing outside homeownership, "ramping up the pressure" to buy.

Dr Slaymaker also noted that Dublin’s average purchasing power figures can be distorted by high salaries in sectors such as tech and finance.

For "more standard households", high rents can create a "trap", making it harder to save for a deposit.

The less developed rental market may also help explain why more people in Ireland face housing insecurity.

EU agency Eurofound defines housing insecurity as the proportion of respondents who said it is likely they will have to leave their home in the next few months because they can no longer afford it.

Since 2020, that has been worsening across the EU and affecting both low- and middle-income households.

Slovakia and Latvia were the worst impacted, with almost a quarter of respondents reporting housing insecurity.

Austria, Denmark and Germany had the highest levels of security, reflecting greater income stability and more regulated rental markets.

Despite high wages, Ireland doesn't appear to offer the same level of housing security as other western and northern European states - 17% of people here feel insecure about whether they can stay in their home in the next three months.

Ovo je još uvek topić o Down Under, ne?

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