this post was submitted on 31 May 2024
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A non-market housing unit. Basically, a non-profit org that only charges the actual cost of the housing & maintenance.
When a house is an investment that grows in value society attempts to maximize scarcity, fewer houses or higher demand means more growth in their value. But imagine we lived in a society where we had more houses than we need, a surplus, because we valued housing people whenever they needed housing and we knew roughly how many houses we needed to do that.
You could move anywhere and find a house to own at a cost you could afford. Imagine housing wasn't a massive store of value such that multiple bureaucratic steps were created to nickle and dime the transaction. Buying a home could be easy.
You could find a vacant house or one that has leaving owners, inspection papers were regulated and up to date, you could buy it off of them using your money or a loan from the government, and you could move in just like if you were renting.
You don't have to save up for money to buy a home in a society where housing people is a priority. Housing would be cheaper, cost of living would be lower, purchasing power would be higher, and we could have methods in place for transitioning ownership without requiring a lump sum of cash cause no one's expecting a massive windfall immediately. Ya know, loans.
Living on the street would be a fictional concept, encouraging homelessness is a societal choice - we could house everyone on the streets within the year if we wanted to. Does that mean long term hotels wouldn't exist? No. That's an actual service being provided.
I'm just saying, if landlords served a purpose we could enable that service as a society but if housing wasn't an investment vehicle it's pretty clear the number of landlords would plummet over night and we'd quickly realize relatively few people liked the "service" they were receiving.
Well I wouldn't describe myself as a capitalist per se. I don't believe there's infinite resources but I do believe there are better, more efficient ways of distributing them - especially with housing. We definitely live in 3d space, I don't really know what this comment is referring to or it's use.
Probably a bit of both, insane and delusional, but I also think imagining a better solution requires a smidge of both.
Again, your loan comment doesn't make much sense to me because you failed to contributing a meaningful comment - you could elaborate but I suspect you don't believe government financing is a thing? Or that interest rates can be zero? I'm not really sure, but I can elaborate my original concept - because I'm not an Internet troll and I genuinely want people to imagine and work towards a better future.
Houses are expensive products, we can agree on that, even if they weren't investment vehicles it takes a team of people months to construct a good house and a lot longer for an apartment or larger complex. Since everyone should be able to own their home, pretending for second we went so far as to abolish the concept of renting, we would need people to be able to afford housing immediately upon becoming an adult and choosing to live somewhere else. Normally we think of this as rent, we pay someone else's mortgage with our money because we didn't have the capital to purchase it directly in the past. I. My proposed future, there'd be no landlords to pay mortgages for, so we'd take out our own mortgage to pay for our housing.
Now I think this is where people imagine today's mortgages and systems being imposed on an 18 year old and think that's foolish. That's why i clarify housing as a product instead of an investment vehicle is cheaper, and housing as a right or a goal of society means mortgages aren't for profit. So someone buys a home that costs less than todays home using a loan who's interest is less than todays interest - likely the first from the previous owner, construction company, or the government and the second from some level of government.
It's how loans work but instead of for profit they're for the betterment of society. We do this all the time for various reasons today. The PPP loans being forgiven is one example, so is 0% student loans, and if the government wanted to charge 1-2% interest for a good reason we have historical precedent to that as well. Idk what about this is so hard to understand for you but hopefully this helps. :p