|
||
|
16th October 2021, 10:29 | #31 | |
I really should get out more.......
Rover 75 CDT Club Tourer Join Date: Nov 2006
Location: Milky Way
Posts: 2,380
Thanks: 105
Thanked 513 Times in 382 Posts
|
Quote:
We need leadership, and statesmanship from our elected representatives, we need urgently a full reappraisal of the needs of all the people of this nation, good quality affordable housing is essential, and needs to be addressed NOW, I am saying that all governments have ignored the problem of poor housing, not fit for human habitation, and the spiraling cost of what is available, made worse by the inability to coordinate a policy which allows for the building of much needed housing. I am saying that there is a complete lack of interest in resolving this problem by the present government because of conflict with landowners who fund it, and because an inflated housing market props up the failing economy. Personally, if I were a young man, with two university degrees in my pocket, and a professional career in the making, I would be looking elsewhere for my living, not the UK, I wouldn't like it but I would still do it. |
|
16th October 2021, 14:42 | #32 |
This is my second home
75 Auto 2.5 SE Join Date: Feb 2010
Location: Westcliff on Sea
Posts: 5,193
Thanks: 423
Thanked 1,680 Times in 1,014 Posts
|
Couldn’t agree more, the so-called housing ‘market’ is screwed (there are other words one could use) heavily in favour of the landowners/developers/
financiers. These are the ones that move in similar circles of mutual benefit irrespective of party loyalties (and not necessarily drinks parties!) It’s the biggest ‘mutual’ industry in the country. It has precious little to do with the needs of the people or societal aims – merely the continuance of the profit turnaround in the interests of the wealthy. I was part of it (on the finance side but not the wealthy!) for 25 years through the whole political cycle and at all levels. Not that I’m cynical, of course. ' The trouble is, it is the same everywhere and the vested interests make sure of it. Much is made of the level of consumer protection but the whole thing is illusory, that’s only the transfer of the money aspect and nothing to do with the social needs, rather the Lenders' objectives. The motto is: is there a market NOW, and will it Sell. And that applies under every colour of government. There’s nowt wrong with profit, but the game is loaded too much one way on an already sloping pitch. Remember council houses? When houses were built on the basis of a genuine need? As opposed to naked profit? In spite of our size, the one thing we are not short of is Land. It’s not a question of Right or Left, it’s preparation for a new generation of wealth producers.
__________________
member no. 235 |
16th October 2021, 15:36 | #33 | |
This is my second home
Rover 75 Saloon & Tourer Join Date: Sep 2012
Location: Lincoln
Posts: 14,928
Thanks: 1,630
Thanked 3,032 Times in 2,181 Posts
|
Quote:
macafee2 |
|
16th October 2021, 16:44 | #34 |
Banned
Removed Join Date: Dec 2013
Location: Removed
Posts: 1,343
Thanks: 171
Thanked 315 Times in 223 Posts
|
I’m the same, if I was a young man I’d be in OZ. I don’t think this country will be sorted in my lifetime.
|
17th October 2021, 22:51 | #35 | |||
Avid contributor
Rover 75 Saloon Join Date: Sep 2017
Location: Stockton-on-Tees
Posts: 243
Thanks: 6
Thanked 64 Times in 49 Posts
|
Quote:
Quote:
Refugees? Do we get many Irish or French fleeing war? Housing benefit cap is a political joke. They are given discretionary payments to cover the gap. Get yourself five kids by different men and you can have a huge house paid for by the hard work of others. The benefit calculations are banded and based on average rents, so there is a never ending game of raising the rent, then the benefit etc. Quote:
|
|||
18th October 2021, 08:40 | #36 | |
This is my second home
Rover 75 Saloon & Tourer Join Date: Sep 2012
Location: Lincoln
Posts: 14,928
Thanks: 1,630
Thanked 3,032 Times in 2,181 Posts
|
Quote:
Going back 38 years my wife and I had about £22,000 in savings, we were 20 and 21, out first house was £33,000. Found this on the web "Of people between the age of 22 and 29 years, about 40% have no savings at all, while around 10% have savings between £2,000 and £3,000. Only around 25% have saved more than £6,000" The point I am trying to make, if people work and save but cannot afford then they have the right to complain, if they don't do either or both then don't moan they cant afford, now there will be exceptions, sick, low paid being 2 French and Irish, interesting. You have decent honest foreign people fleeing their home countries due to fear that may not be able read, write or speak English, how on earth are they going to live a legal life and support themselves? OK, this example dates back years but German Jews came to the UK round about 1938/39, what would you have done with them? Left them to their fate or given them a safe place of refuge, a hot meal and a roof over their head? History tells us what happened to an awful lot of them. Now we have the situation with Afghanistan. I get the feeling you are thinking about those that want to sponge off the state while I am thinking about those that want to work and lead a decent honest life, alas, amongst the group of refugees there will no doubt be bad apples They state should be there for those that truly cannot manage, low pay, sick and some may have lost everything due to splitting from partner and then paying child maintenance or partner dying and no income. Rent does rise in some cases every year but costs can too. For a lot of people as it may already have been said, the value of a home is meaningless until you come to sell or borrow against it or you want bragging rights. macafee2 |
|
19th October 2021, 22:32 | #37 |
Avid contributor
Rover 75 Saloon Join Date: Sep 2017
Location: Stockton-on-Tees
Posts: 243
Thanks: 6
Thanked 64 Times in 49 Posts
|
Hmm, I think that 40 years ago, over 20k in savings would be unheard of (round here!).
It get the impression that the older generations (who have done well with property and pensions) simply don't understand how bleak it is for someone in their 20s. I appreciate that some need a kick up the backside and to drop their PCP cars, iPhones, coffees, gym subs etc. But the housing numbers are way out... A 20k deposit would be good (hard with a 50k student debt!) but to borrow three times your earnings would give you a bit over 100k for an average job... But an average house is over 2.5 times this amount. I notice with 'refugees' that those who virtue signal the most tend to not be impacted. I find it hard to see how the UK is their first safe country. |
20th October 2021, 07:49 | #38 | |
This is my second home
Rover 75 Saloon & Tourer Join Date: Sep 2012
Location: Lincoln
Posts: 14,928
Thanks: 1,630
Thanked 3,032 Times in 2,181 Posts
|
Quote:
I think the point I was trying to make is that people don't have the savings to start with. If you are trying to get a house in London, god help you. If you are trying to get a house in some other parts of the country and I don't mean in the middle of now where with no transport links etc it should not be a problem, 3 bed semi under £180,000. Lets introduce the bank of mum and dad, for some the bank is there, for others it is not. I know a few people that have inherited, one couple gave their son a house they inherited, another has nothing left of £250,000, their son did not benefit, the money was just spent. macafee2 |
|
21st October 2021, 10:15 | #39 |
This is my second home
Rovers 75 & 25 Join Date: Oct 2010
Location: Wearside
Posts: 4,522
Thanks: 543
Thanked 709 Times in 511 Posts
|
UK house prices I think are largely based on a ponzi scheme which is being passed off as one of supply and demand. The scheme effectively went bust with the financial crash in 2008 which, contrary to what the culpable would prefer people to believe, was seen coming by some analysts. Seems like only yesterday that some of the expenses fiddlers were scurrying down Westminster streets trying to evade reporters while uttering things like putting money into banks is no different to putting money on a horse. That went down well, what not, with pension providers who had regarded banks as extremely safe blue-chip investments and the likes of local councils who thought that their millions in reserves were safe in a bank - as safe as, well, err, houses.
There was a wobble in the housing market at the time but not a crash because to save their own faces, positions and nice little earners the culpable in the uk merely deferred it. But it is not sustainable to borrow and to print funny money forever plus savers cannot be squeezed for what they no longer have or no longer entrust to a bank - banks which some still regard as safe as houses but for utterly different reasons, lol. America did let the crash happen and in so doing ensured that those affected fell from a lower height. China's got a massive problem atm with its housing market. About, I think, 90 million empty properties and some huge new-builds demolished before completion when the business model collapsed. Many of its people bought off-plan and have lost their money as things stand atm. China's day of reckoning has arrived in its housing market and it will be interesting to see how they deal with it and its global effect. |
1st December 2021, 13:28 | #40 |
This is my second home
75 Auto 2.5 SE Join Date: Feb 2010
Location: Westcliff on Sea
Posts: 5,193
Thanks: 423
Thanked 1,680 Times in 1,014 Posts
|
Housing
In housing, all that matters these days is the market. The land owners and the builders are in the business for the long term and the owners only sell their land when the price is right. Then the financiers are in it for as long as it takes to make killings. In the toothy grin of profit the market is malleable and king. Naturally, it is all legal and above board. What is missing is the supply of rented properties in the control of councils. That’s council houses. For many years the building of communities and the social benefits from that ‘social class’ meant those in lower income brackets could get at least one foot on the ladder of a home for the family. That was not subject to the whims of the industry and councillors new they had to toe the line or suffer the consequences. It was a stable market; families could be confident they were safe and the gambling on market fluctuation was irrelevant. Quality of construction was subject to law and standards were usually good. Then a government enabled, in the name of eventual perceived profit, the sale of this so-called ‘social housing’. All those families that experienced hardship, for a variety of reasons many of them sound and valid, now had not got entry into proper housing and had to rely on private landlords. Not all landlords were mercenary of course but also none of them are in the business to make a loss. Sometimes progress isn’t.
__________________
member no. 235 |
|
|