The transition to first-time home-ownership is made at increasingly younger ages in both West Germany and the Netherlands. This trend is stronger in the Netherlands than in Germany, however. There are also marked differences between the two countries in the extent to which first-time home-ownership is connected with events in the family life course (marriage and childbirth) and the availability of resources from the parental family. These differences can be understood in terms of differences in house prices, housing policy (subsidies and other regulations) and other differences in the legal and financial systems.
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