this post was submitted on 22 Apr 2024
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A Boring Dystopia

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[–] Trollception 6 points 8 months ago* (last edited 8 months ago) (15 children)

This post is insane. Sometimes I feel like Lemmy is an echo chamber for the maniacal. I rented for nearly 10 years of my life because I didn't want to own a place and be tied down. Not everyone wants to be a homeowner. Once I got to the point that I wanted a home I bought one... And guess what, I save money every month on my mortgage versus renting. Renting is a convenience, home ownership is not dead... People buy up the houses near me faster than they can build them.

[–] [email protected] 4 points 8 months ago (9 children)

Where did this post say renting shouldn't be allowed?

[–] Trollception -1 points 8 months ago (1 children)

How do you rent if there are no landlords? Someone has to own the property and rent it out, aka a landlord.

[–] maxwellfire 5 points 8 months ago (1 children)

The other option is a housing coop. Where you still rent, but it's owned by all the renters collectively.

[–] Euphorazine 0 points 8 months ago (1 children)

A co-op is not renting. It's basically a building with condos/apartments that has a built in HOA. If the roof needs repaired every apartment needs to chip in for the sudden payment if the co-op isn't properly saving for those capital expenditures.

[–] maxwellfire 1 points 8 months ago

There are a great variety of co-ops. If you define renting narrowly enough, then they are of course different. But the point is that for some (and the co-ops I've seen personally) you don't have to make a down payment for a mortgage like you do with a condo or house. You instead pay a monthly fee that covers the co-op's mortgage/repairs/taxes. Or if the place is fully owned by the co-op, then just the repairs/taxes.

But you retain the flexibility of renting in that you can leave reasonably easily since you're not personally responsible for the mortgage.

I think there are also co-ops (possibly more commonly) where it's essentially just a condo where the building is collectively owned by the tenants instead of a for profit company. In that case, it's much less like renting.

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