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Housing Management Challenges by Low-income Homeowners: a Multidimensional Framework

Many countries in the global south have promoted homeownership to vulnerable groups through housing polices based on a large-scale production of new housing units. While reducing the housing deficit, these policies have entailed new urban challenges regarding housing adequacy, affordability, and quality.


This lecture focuses on the management challenges faced by low-income homeowners to provide adequate maintenance and administration in collective housing (condominium tenure). We presented an analytical framework of technical, organisational and sociocultural dimensions of housing management. This framework is applied to the case of Chile to understand the main challenges and identify lessons to prevent unsuccessful homeownership processes.

Video Summary



Luz María Vergara
Post-doctoral Researcher

Department of Management in the Built Environment

TU Delft

Luz María is a Chilean architect and MSc in Architecture by the Pontificia Universidad Católica de Chile. In 2018, she obtained her doctoral degree in housing management by Delft University of Technology. Her PhD research focused on the intermediary role of third sector organisations in supporting Chilean low-income homeowners in the management of their condominium housing. 


Throughout her professional career, Luz María has worked in research, teaching at and consultancy. Her research interests are related to housing and urban challenges from the perspective of social innovation, the role of the civil society and community-led approaches. She has been involved in online and blended education, creating the award-wining MOOC Rethink the City: New Approaches to Global and Local Urban Challenges, organised by the Urbanism Department at the Faculty of Architecture of TU Delft.


Additional Information

  • Rosa E. Donoso & Marja Elsinga (2018) Management of low-income condominiums in Bogotá and Quito: the balance between property law and self-organisation, International Journal of Housing Policy, 18:2, 312-334, DOI: 10.1080/14616718.2016.1248608

  • Moser, C. O. N. (1998). The asset vulnerability framework: Reassessing urban poverty reduction strategies. World Development, 26(1), 1-19. doi: 10.1016/s0305-750x(97)10015-8

  • Ostrom, E. (1990). Governing the Commons. The Evolution of Institutions for Collective Action.

  • Vergara d'Alençon, L. M. (2018). Managing Social Condominiums: Strategies for third sector intermediaries to support low-income homeowners in Chile (Doctoral dissertation, Delft University of Technology).

  • Vergara, L., Gruis, V., & Van der Flier, K. (2019). The role of third sector organisations in the management of social condominiums in Chile: the case of Proyecto Propio*. International Journal of Housing Policy, 1-31. doi: 10.1080/19491247.2019.1613871.

  • Vergara, L., Gruis, V., & van der Flier, K. (2019). Understanding Housing Management by Low-income Homeowners: Technical, Organisational and Sociocultural Challenges in Chilean Condominium Housing. Buildings, 9(3), 65. MDPI AG. Retrieved from

  • MOOC Rethink the City: New Approaches to Global and Local Urban Challenges

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