this post was submitted on 30 Jan 2025
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If no one is allowed to own a domicile in a residential zone intended for one or more people unless they personally reside there at some given point in a year, the prices of houses would be pretty agreeable, and then yes, people would be paying mortgages, which also means they'd own all the equity they are buying into while they live there. Landlords provide nothing but more exploitation of people already exploited to death.
Now what about people who don’t want to buy.
They sell their house after a year or 6 months or whatever and recoup the equity in it vs getting fucked because they don't understand how bad renting is.
We could have short term housing options that are just shares everyone buys and sells to live there (so like each apartment would be a share in the building). And just outside companies hired to take care of maintenance and all that. Still would give you private equity in the property and allow easy moving in and out.
Idk that's just off the top of my head. Straight up though, renting is a scam.
I like the idea, but maybe you don't remember things like '08. not saying that exact same thing will happen again, but, the point being that you can't always just sell a house, someone needs to be there to buy it on the other side.
Also, buying means assuming a large upfront cost or a large loan even if houses are cheaper, most people can't afford to tie up 5 or 6 digit dollar amounts in the hopes they can free it up in time for the move in a year.
The second point you describe is a basically a condo, and they have tons of benefits but also tons of problems. When you live in a condo you have shared maintenance which is great, but you also can get assessments on the building which can drop 5 figure bills on your doorstep.
Yeah I'm just a rando spitballing, besides which we could think even further outside our traditional capitalism box to come up with more solutions.
Society is just a made up thing we all agree collectively to follow after all.
Government owned housing. They can rent it to you. You'll get a tax cut equal to the profit they make, as you are paying into the rent of the government and not gaining equity in owning your own property.
Well that’s a whole different industry with a different issue of exploitation… though there is overlap in a subgenre of ‘alternative’ rental payment.