Quartz explores Germany's low rate of home ownership, and finds it's due to a sensible mix of policy initiatives which result in decent rental housing, low rents (yes, low rents) and strong tenants'-rights protections:
By the time of Germany’s unconditional surrender in May 1945, 20% of Germany’s housing stock was rubble. Some 2.25 million homes were gone. Another 2 million were damaged. A 1946 census showed an additional 5.5 million housing units were needed in what would ultimately become West Germany.