HOMA Living, Affordable housing
Affordable housing is about people who have an income and still cannot find a home in high-pressure cities. It is not a separate product line: it is the reason the others exist.
Housing costs limit study, work and mobility
European and Italian policy treats housing as economic and social infrastructure
Professional long-term management, not the individual building project
Students, young workers, essential-services staff, young couples, workers away from home and squeezed middle-class families: people who do have an income, but for whom housing costs decide where they can study, work and live.
European and Italian policies now treat housing as economic and social infrastructure: recovering existing assets instead of consuming land, expanding rental supply, making public, private and cooperative actors work together, and ensuring professional management that lasts.
The first European affordable housing plan was presented on 16 December 2025 and rests on three levers: bringing vacant public assets back into use, lowering construction cost per square metre, and growing operators able to work at European scale. The European Commission has already mobilised over €43 billion for housing under the 2021-2027 budget, with a further €10 billion coming in 2026-2027, and expects to mobilise up to €375 billion through promotional banks by 2029. 2026 is the year of negotiation with member states; the policies enter the 2028-2035 programming cycle. What happens over the next decade is being decided now.
A building renovated with public money can become unusable within a few years if nobody really runs it. Professional management is what makes an affordable-housing operation sustainable: regular collections, maintenance actually done, a relationship with residents, transparent accounts for whoever invested.
Operating applications
The framework is complex; asking is free.
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