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22-07-2019, 11:19   #31
Addle
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Originally Posted by El_Duderino 09 View Post
There's a whole generation who did great out of social programmes like this, and now they're stingy as hell. I'll never forget the bloke on LBC radio who advocated for cutting social programmes. He said "I grew up on a council estate, what did the government ever do for me?"
Again I ask, where is this generation?
Late 60s/70s, my parents emigrated and saved, returned home, bought a site and built their home. Worked, paid taxes, raised their children and put them through college. Had child benefit alright.
Now their kids all work and pay taxes.
Most of their siblings would have been the same, other than the brothers who stayed on the farm.
You’re wildly sweeping statement is totally inaccurate.
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22-07-2019, 11:22   #32
RobbingBandit
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Silly people thinking a mortgage means they own their house buy the house outright for cash or you're just fancy renting.
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22-07-2019, 11:26   #33
lawred2
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Oh right. Are you a full on communist?
Weird response.
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22-07-2019, 12:27   #34
Ush1
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Silly people thinking a mortgage means they own their house buy the house outright for cash or you're just fancy renting.
Not really, a renter can't sell the house they are renting.
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22-07-2019, 14:25   #35
riclad
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A home is a place to live in and to have children and bring them up.
In japan where property is very expensive 25 per cent of young people
do not date or get married or have children .
The birth rate is low .
people who are always renting are less likely to marry or have children.
The taxation system and welfare system needs young people to fund it
and to fund healthcare .
If the next generation find it very hard to buy a house this will reduce the no of people who get married and have children.
The government owns alot of land ,it could offset this problem by building more social housing and housing for people on lower incomes who are working .
The system we have now does not work in that there seems to be
no planning by anyone for the next 10-20 years .
There was an article in the sunday times The end of the middle class .
It says young people who are working full time may be renting for
years and years ,they might save for a deposit, but meanwhile house prices are rising .
So some people may never be able to buy a house .
Up to the year 2000 any one who worked full time could expect to be able to buy a house
get married if they wanted to .
i understand not everyone who buys a house will have children .
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22-07-2019, 14:27   #36
nox001
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Silly people thinking a mortgage means they own their house buy the house outright for cash or you're just fancy renting.
Nonsense.
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22-07-2019, 14:40   #37
1874
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Who availed of all this dreamy public housing? Not my parents or grandparents anyways, or our neighbours or colleagues.

Well, at least housing was affordable for those that didnt avail of it (edit) Im not saying it was cheap relative to wages, but it was viable, with a lot of effort, and I think that was reflected in rental costs too, more realistic, now we have the worst of all worlds, unaffordable housing, expensive rents and nowhere in the middle it seems.


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Originally Posted by El_Duderino 09 View Post
Hold on, who said anything about knock down prices? A price that acknowledges the rent the person has paid over the years is a good idea but I'm not talking about handing the house over for nothing. Nor am I talking about putting the house on the open market so already wealthy people can pick up a buy to let for cheap from the state, and rent it back to the people it was meant to help.

Discounted rent!
Really the councils should have had massive claw backs based on discounts provided and based on real increases in house prices, like a capital gains charge, so that if someone decided and wanted to sell then some cost could be recouped, if this prevented them from moving, then a means to pay back a set difference over time to the council may have been an idea.
The councils ideas in these things were limited, they had short term cost savings goals, not altruistic ones. They were looking to reduce the Councils liability for maintenance costs. It should not simply have been a windfall for people, many of whom sold up and made a profit on it afterwards.
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22-07-2019, 14:45   #38
Mike9832
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Not really, a renter can't sell the house they are renting.
Mortgage holder still has a landlord " the bank " and is at the mercy of them just like a renter etc
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22-07-2019, 14:50   #39
GreeBo
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Silly people thinking a mortgage means they own their house buy the house outright for cash or you're just fancy renting.
I'm not sure you know how a mortgage works.

30 years of renting gets you nothing.
30 years of paying mortgage typically gets you a house.
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22-07-2019, 14:50   #40
nox001
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Mortgage holder still has a landlord " the bank " and is at the mercy of them just like a renter etc
No they don't have a "LL" nor are they at the mercy of anyone, honestly how do people imagine up this stuff.

A home owner 100% owns the house mortgage or no mortgage. It can in now way whatsoever be compared to renting.
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22-07-2019, 14:52   #41
decky1
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have some friends in Sweden and most people there have no desire to own their own homes and things seem to go fairly smooth for them,are we scourging ourselves to own a house we can't take it with us and there's the chance that our children will sell it and have a good time with the proceeds, also when we leave it to them the government will want their share even though we've paid for it all our lives.Once again an example of our great country.
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22-07-2019, 14:59   #42
Mike9832
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No they don't have a "LL" nor are they at the mercy of anyone, honestly how do people imagine up this stuff.

A home owner 100% owns the house mortgage or no mortgage. It can in now way whatsoever be compared to renting.
If economy goes to **** or booms etc, the "LL" can increase interest rates anytime if your not in fixed, eg they are at the mercy
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22-07-2019, 15:04   #43
Buttonftw
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have some friends in Sweden and most people there have no desire to own their own homes and things seem to go fairly smooth for them,are we scourging ourselves to own a house we can't take it with us and there's the chance that our children will sell it and have a good time with the proceeds, also when we leave it to them the government will want their share even though we've paid for it all our lives.Once again an example of our great country.
I keep hearing this kind of thing but for what it takes to rent a ****hole in my town you could easily cover a mortgage of a much nicer gaff in a much nicer area nearby. Yeah the market's pretty ****ed right now but "scourging" yourself by paying less for accommodation and having a huge asset down the line doesn't really make sense as an argument to me.
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22-07-2019, 15:06   #44
Ush1
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Mortgage holder still has a landlord " the bank " and is at the mercy of them just like a renter etc
No they aren't, I just said how can someone who is renting from a landlord sell the house they are renting?

The bank can't sell your house that you have a mortgage on but you can.
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22-07-2019, 15:08   #45
SeaSlacker
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No one ever counts in the historic factor, which is more relevant as so many trace back their ancestry to the times when so many of our ancestors were renters on wealthy-owned land, and the effect of having an eviction in your personal family history.

It’s easier for urban livers to discount & dismiss it because it isn’t as prevalent in their families, but so much of what drives people to want to own is considering those days and seeing the wealthy at the same dodging and whining that the landlords of old were at, and wanting to stick on in their eye.

Factor it in. Plan based on it.
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