Structural
factors, such as the availability of low-income housing exacerbate on the
already burdening individual factors. The rise in homelessness is mostly due to
the decrease in the number of low cost housing units. Nowadays, families were
struggling to consolidate their current situations because they are unable to
afford the housing need (Thomas Betar, 2012). Inadequate of affordable housing
is one of the contributors of homelessness (Ghee WY, Omar RNBR, 2015).  A large number of low income people have been
forced to move. Nearly 6,000 people older people who are aged 60 or above in
Victoria need to pay the rent of more than thirty percentage of their salary
(Ronaldson, 1999). The shortage of affordable and available housing
straightforwardly harmonizes to levels of homelessness and inadequacy income
and insufficient of affordable housing as the “leading causes of homelessness”
(Maya Miller, 2017). According to Human of Urban Development, in recent years
the inadequacy of affordable housing is most critical for units affordable to
tenants with tremendously low salary (National Low Income Housing Coalition,
2009). An insufficient of affordable housing may lead most of the families to
be homeless. Fewer homeless shelters options might force more families to move
in with others, creating defenceless living situations (Laura Frazier, 2015).
The most risky cause of homelessness is the insufficient of low income housing.
Due to the fewer units of low income housing being built even the units that
already existed was fading. The stock of low cost rental housing pursues to
diminish (Padraig O’ Malley, 1992).The federal government assigns a finite fund
for housing programs does not harmonize to the number of poor families. A large
number of poor people have been forced to spend more than they can sustain on
housing because the federal government has decreased fund for housing which is
assisting the low-income families. Since the federal government cuts in
spending on housing, a lot of affordable rental units vanished gradually (Victoria
C. Spetter, 1996). Decreases in federal income assistance are highlighted as an
element causing homelessness. Shrinking federal assistance programs erode the
ability of low income individuals to afford housing. Without adequate low
income housing stock, an income based assistance program is pointless (Eila
Savela, 1991). As a conclusion, number amount of affordable housing can
influences a family which is all family member back together again. Shelters
can help put families back together and let them compete in the economical
housing market of today and tomorrow (Ralph da Costa Nunez, 2012). Low income households
and individuals are growingly forced to choose between paying the rent and
putting food on the table because of the crisis proportions has attained which
is the rising insufficient of affordable rental housing  (Maria Foscarinis, 2015).

Another
structural factor that need to looks into is the higher rental of housing.  Rising house prices will also create a
homeless generation (Tan, 2011). The homeless population is rising due to the
growing of the rents, and some people decided to live in a car. Unexpected
bills, job loss and other factors can lead them choose to living in a car and
these are also the reasons why nowadays homeless population become more and
more severe (Steve Lopez, 2017). Besides, unaffordable rental is the cause of
homelessness. Most of the people are paying the housing costs which is exceed one
over three of their salary and 1 in 5 are using half of their salary to meet
the growing rents. An increased number of victims aged above 62or above were at
risk or facing homelessness due to higher rent (Pat Rogers, 2015). In UK, a
large number of families living in private rented accommodation are going to
the road of becoming homeless due to the soaring rents. Rising numbers of low-income
families make them unaffordable to buy house and also struggling to pay even
the lowest available rents, this is the severe cause that lead people to road
of expulsion and homelessness (Graeme Brown,2017). One of the primary determinants
of homelessness is unaffordable housing, this is because the problem of both rents
and housing costs put a lot of pressure to people (Aboubacar Ndiaye, 2014).
Increasing rental and insufficient affordable housing caused the rising the
portion of homeless people (Laura Frazier, 2015). Moreover, the relationship
between rising rents and increased homelessness is incredibly strong in other country
currently experiencing a crisis in homelessness (Chris Glynn – Melissa Allison,
2017). Rising rents are the main driver of increases in homelessness. Related issue
of tremendously Low vancancy rates exacerbated the rent to be more serious.
People have sufficient income to pay rents but due to the low vacancy rates, it
makes them to be more difficult to find a unit (Department of Commerce, 2017).
Housing instability is a trend around the world, incredibly in high-cost areas
such as San Francisco. Higher-income renters are bringing up market and price
that puts a lot of stress on the low-income market (Elina Bravve, 2015). Furthermore,
high rents for public housing have pushed more and more people, even those with
jobs, to end up sleeping on the streets or at fast food restaurants operating
round the clock (Ng, 2017). With the condition of extremely low salary and also
unable longer afford higher rents exacerbate the situation of people forced
onto the streets and lead people to be more homelessness (Reed, 2001). High
house prices make people choose to be homeless and the demand to place homeless
people outside their local area are increasing (Jim Crawshaw, 2016). Soaring
prices and increased demand of low-cost of housing are driving people to be homelessness.
With rents rising in the capital, many of that unable afford to renew leases on
homes (Charities, 2013). Increasing housing prices are driving people to be
homeless. The ruthless reality is that when people unable afford market rental
housing, more people will become homeless (Bernie Pauly and Penny Gurstein,
2016).

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In
conclusion, we know that homelessness is divided into two camps which are
structural factors and individual factors. Structural factors of homelessness
are affect people due to circumstances and out of the control of the individual
while individual factors are individual apply to the surroundings
of a homeless person. Structural factors such as the availability of low income
housing and higher rental of housing exacerbate on the already burdening
individual factors. Many researchers contribute homelessness to structural
factors but advocates of human rights debunk this and highlights that the main
reason for homelessness is due to mostly individual factors, which are health
problems, poverty and family breakdown also the domestic violence of women and
child. Addressing the driving causes is the most significant strategy to
minimize the homelessness population. Future research must put more attention
on individual causes without denying the reality of structural causes (Main,
1998). Based on my research, individual factors is the main cause while the
structural factors put more pressure on burdening individual factors that leads
to homelessness.