xckjoo wrote: » Is the government not responsible for ensuring the majority of its citizens have access to necessities such as affordable housing?.............
BattleCorp wrote: » I'm not trying to be a dick or pick arguments with you but the grass isn't always greener on the other side. The difficulties you mention above are pretty much the same in a lot of places. In pretty much every developed country there isn't an overabundance of cheap housing, especially in capital cities where most of the work is. This means that people regularly have to commute. Since we've moved off the land and into cities it's part and parcel of modern life no matter what country you are in and there's not much we can do about it. Our health system isn't the best, but it's far from the worst either. The main problem with it is that it is very inefficient and people in it are reluctant to change. There is a pension time bomb, certainly. And I don't think most people in Ireland realise it. But I'd say most other countries would have a similar problem but many of them are doing something about it, e.g. Australia have a compulsory pension scheme. Ireland isn't all doom and gloom. Yes, we have problems, but no more so than anywhere else.
Augeo wrote: » If you are earning €30/€40k in Dublin these days I don't think many other countries will offer a better bang for buck life tbh.
Augeo wrote: » She wants a scheme or other government intervention to magic herself out of a situation that she has put herself in. We aren't on the continent, renting indefinitely & hoping/planning to do so into retirement was a ludicrous idea. You'd want to have a serious pension to over consider that a realistic option and I reckon her pension situation is likely no more impressive than her planning skills TBH. She said she has never been in a position to buy.... the government can't really be held responsible for folk in that position. Having a job doesn't elevate you to some status where by you can reasonably expect to buy property when and where it tickles your fancy.
whisky_galore wrote: » Oh ok, I'm sorry. Nobody has to endure long commutes, or have trouble finding somewhere to rent for a reasonable price, working singles as well as couples can afford to buy, our healthcare is the best in the world, no pensions timebomb and we've got excellent childcare the envy of any country. And the sun shines all day long. It's all fake news folks!
BattleCorp wrote: » Agreed. But you still haven't given an example. And if you think that moving to another country is a sensible alternative to having to commute to work, well...................
Corb_lund wrote: » Or just get an exemption from the bank for ratio. Salary has gone up fairly substantially in the past 6 months well past the 50s but before that it wasn't that high. I just saved like a dog, was pretty antisocial, cut down on drinking, cut out car for a while etc Once I really started cutting down on stuff I could save a substantial amount of my salary...
bullpost wrote: » Not sure about that. Transport/housing/health a mess.
BattleCorp wrote: » You must be a good salary. If the house was €200k, then you'd need 10% deposit which is €20k. That leaves €180k to be mortgaged. So at 3.5 times your salary, then you'd need to be earning over €50k. Most people don't earn €50k. And most houses are more than €200k too. You did well for yourself.
whisky_galore wrote: » To paraphrase the other poster, the world doesn't end at Ireland.
whisky_galore wrote: » It's not, but why would you endure commuting hell, wasting hours of your life each week when you can move to another country with a sane housing policy and have a quality standard of life and money to spare?
BattleCorp wrote: » Where is this country you speak of? Most of the developed countries have similar problems to us when it comes to housing.
KevinCavan wrote: » For the posters who say the government can’t “magic” houses or similar, they can or should have magiced them by now. It wasn’t yesterday the crisis started. The government could rezone areas for development, punish land hoarders and penalize owners of derelict building. The government could fund the building of housing estates which they could rent at a profit to middle income families, other countries have done similar, they could also sell such properties on for a small profit. It’s not rocket science. On a basic level the government could build 100 houses at a cost of €300,000 each and sell them for €340,000 each. They could take more control of the problem directly.
Andrew Beef wrote: » The world doesn’t end at Tallaght though; for people on low salaries, it’s not unreasonable for them to live outside of Dublin.
KevinCavan wrote: » Admittedly I’m no expert on government finances, but it seems like taxes are high here and I’m sure come election time they will be throwing money at everything. The country is meant to be booming, employment levels are high, surely they could buy a few development sites and build houses on them as an experiment?
BattleCorp wrote: » ............. Someone earning approx. €30k - €40k working in Dublin probably won't be able to afford a house in Dublin. ............
BattleCorp wrote: » Corb_lund wrote: » There are still plenty of places to buy cheap in places like tallaght. I did it myself last year on a single salary. Mortgage on a 3 bed less than what one of my family is paying for a room. You must be a good salary. If the house was €200k, then you'd need 10% deposit which is €20k. That leaves €180k to be mortgaged. So at 3.5 times your salary, then you'd need to be earning over €50k. Most people don't earn €50k. And most houses are more than €200k too. You did well for yourself.
Corb_lund wrote: » There are still plenty of places to buy cheap in places like tallaght. I did it myself last year on a single salary. Mortgage on a 3 bed less than what one of my family is paying for a room.
Cleopatra_ wrote: » I really can't wrap my head around your attitude. So Optogirl is naive to think that she could rent indefinitely (something that is entirely possible on the continent and should be possible here too). But you also think that she should just suck it up if she can't afford to buy a house, even though she's working and saving but unfortunately her rent is too high for her to be able to save enough to buy. Even though monthly mortgage payments would be less than rent. You have the gall to call her selfish for expecting the government to sort out this absolute sh1theap of a situation which plenty of people are facing. She isn't asking for a free house, she wants to have a realistic chance of saving to buy one at some point which seems impossible in the current situation. Where do you expect people to live exactly? You are the one with the selfish attitude.
Fol20 wrote: » Where is all of this money magically going to appear? They could do it but like you and me,we could walk into the Ferrari garage and buy whatever we want but we are on a budget like everyone else in life and may not be able to afford it. I suppose the government are also known for being more efficient than the private sector as well so they can probably do things for half the cost.tbh the more stuff the government can privatise or at minimum stay away from the better.just take a look at other global economies that have a high dependence on public company’s and you will see. Finally as I said in my last comment. This housing crisis has only being happening for 2 or 3 years. It’s typical of people’s responses to be knee jerk reactions to fix it now and deal with the consequences later. We should really go the German model of how everything is set up long term and although it some decisions may not be politically palatable,Ireland as a nation would be so much better off.
prinzeugen wrote: » Can't complain about my rent. Two of us sharing and have been in the same place for many, many years. Last rent increase was 15 years ago. All I will say is that it works out at a two figure sum per week each. Landlord could get 7-8 times that but has never asked as we look after the place.
![Photo of [Deleted User]](https://www.boards.ie/applications/dashboard/design/images/banned.png)
