**7. Conclusion**

Thanks to all the respondents, we have come up with useful findings that could help to change the current situation in the country, insofar as this result would come to those who create strategies in the real estate area. The research gave us some insights into the problems and suggestions of the changes of two studied populations. We have found that young and old have some common points, and in some areas, they are diverging. In the group of young people between the ages of 18 and 35 who were studying, most individuals still live with their parents. Their accommodation is mostly financed by parents, and a smaller percentage of young people also contribute to the household budget. Young people who do not have yet their own property want it very much. For most, the path to independence is ending with insufficient financial resources that are needed for this. Low income also presents the problem to older people at the age of 60 or more, as it is difficult to cover high prices of care services in institutional forms of living. We find that young people and the elderly help each other with the financing of real estate. We note that the most important role is played by the middle generation, who must financially assist both, their children in their independence and their parents, whose low pensions are not enough to cover the costs of maintaining property or care services in institutional accommodation. Any further mid-generation research could contribute to an even clearer picture of the problem.

We have come to the realization that all introduced hypotheses were confirmed. Thus, we find that the young people leaving from the parents' home are hampered by low or zero incomes, while those who ask for a non-profit apartment are met by difficult criteria. In this way, young people are pinning in a vicious circle, which does not seem to be a way out. For the elderly group, we realized that they would move out from the current accommodation only in case of too high maintenance costs or reduced autonomy in housework and personal care. We found that older people in Slovenia have little choice of accommodation, and they are also very expensive.

We realized that both studied groups have attached great importance to real estate; it means them security, they all want privacy and independence. We found that both the younger and older do not want a common coexistence. Young people who are willing to move out and have not resolved housing problem do not want to move to the elderly' dwellings in order to coexist with them; older people who are also not ready to move out do not want that the younger move to them and help them with the maintenance of property, costs, and assistance. We found that young people do not want to do this primarily because they feel cramped and interdependent, and they think that there could be disagreements between them and the host. At the elderly, the main factors are mistrust and suspicion of exploitation of accommodation. We must emphasize that old people are much more favorable for coexisting of different generations than the younger people, but only in the case they know them. We also found a low level of familiarity with solving the housing problem in the form of non-profit apartments for the younger and with the possibility of accommodation in retirement homes or sheltered apartments in case of the elderly. It should be emphasized that the municipalities, as well as the state, should pay more attention to informing the society of the existing institutional and other possible forms of living. In this way, the elderly can overcome the fear they have about placement in retirement homes. Similarly, for those older people who want to stay at home for as long as possible, this should be enabled, for example, by financial assistance or by adjusting their dwellings to their needs.

The basis for a successful housing policy for young people and the elderly is seen as a task of the state/government in the planning of a national strategy for the development of new forms of accommodation, and the Housing Fund of the Republic of Slovenia also plays a significant role. Based on the study literature and findings of the research, we found that in Slovenia, the question of housing remains an open issue for both young and old people.
