Many homes have an extra resident AKA their mortgage bank

The value development of real estate has meant that the bank's share of our home has decreased in recent years. In combination with amortizations made, our home is mortgaged to 25% of the current market value.

You could say that there are four of us in our household, my husband, our son, me and our mortgage bank. All with a 25% ownership. We could evict the bank entirely by paying off our mortgages but they do much more good in the stock market.

There are very few households whose home is mortgage-free, which in practice means that there are not many who own their home.