Cameron's housing plans

[debatealot]

So now builders will not have to offer affordable housing with new developments and so the social housing pool with dwindle even further.

And these new starter homes will cost between £250k-£450k. How many of you youngsters on here who want their own home could comfortably afford a mortgage like that? I digress however.

Again, what happens to the genuine disabled adults who are unable to work but wish for their independence and place of their own?

There will be very little social housing available, and these new plans will turn social housing areas into bigger cesspits than they are now. Trust me on that one.

They obviously cannot afford one of these new homes, so where are the poor buggers left? Can't Cameron give us any details at all on how this situation will be dealt with in the future?

Simples. The country has MORE than enough housing, it has far to many people. At what stage do we actually admit the country is overpopulated. Packed roads, not enough hospitals, doctors, or even water during a warm summer.

No country can sustain perpetual growth, so therefore it needs to make the appropriate plans. This is where compassionate eugenics come in. No more foreigners, no more more chavs, and certainly NO more ******.

 

[Rroff]

And yet a few decades ago people on modest incomes were able to afford to buy houses in the areas the grew up in.

The amount of people priced out of the market is growing, year on year. You talk as though the situation today has always been the case. It hasn't.

We can move forwards into a future where ever more people are forced to rent, or we can take corrective action.

Well, I suppose it won't be "corrective" in everybody's eyes. Some will be disappointed at losing all that rental income...

Yeah maybe they had it too good back then but the balance definitely isn't right - IIRC my dad's first house cost about 5 grand more than his annual salary and he paid it off fairly quickly - someone doing the same kind of job and in otherwise similar financial circumstances today would be earning something like a 5th of what that house costs today and that trend doesn't look like reversing any time soon.

EDIT: In 2006 you could afford to buy my parents house on the UK average salary (just about) today you'd be paying almost twice the average salary on the mortgage for this house alone.

Can't afford to buy?.... then move. What we had to do. Near 200 miles in fact, away from my family.

Very affordable where we are. Scraped a deposit together over 4-5 years and then too advantage of the 5% deposit scheme.

Anyone could do it.

That simply isn't a solution for everyone and ultimately you might just end up moving around until you get penned into a corner.

 

[Woden]

Can't afford to buy?.... then move. What we had to do. Near 200 miles in fact, away from my family.

Very affordable where we are. Scraped a deposit together over 4-5 years and then too advantage of the 5% deposit scheme.

Anyone could do it.

Yup, quit your job, spend what little saving you could afford to move to a new area, still on a low wage but now with the added bonus of no family, friends or contacts.

Anyone could do it

 

[dowie]

Where are you getting your figures from? This:

http://www.theguardian.com/money/2015/jul/16/tenants-in-england-spend-half-their-pay-on-rent

agrees with other sources I've read.

that doesn't show any comparison over time - what was the % by the same measure in 1995 for example?

Here is the data from the IFS:

www.ifs.org.uk/uploads/publications/bns/BN161.pdf

now lets go back to my quote

the sharpest increase there was 20 to 30 years ago - it has been just below 25% since the mid 90s for renters and only recently increased to circa 27%

which you can see from the graph the increase from the 80s to 95... then just below 25% for several years and then a recent slight increase

 

[balky12]

bet some people wish they tried harder at school now

 

[Psyisk]

Simples. The country has MORE than enough housing, it has far to many people. At what stage do we actually admit the country is overpopulated. Packed roads, not enough hospitals, doctors, or even water during a warm summer.

No country can sustain perpetual growth, so therefore it needs to make the appropriate plans. This is where compassionate eugenics come in. No more foreigners, no more more chavs, and certainly NO more ******.

We don't necessarily need to say no to the aspects you mentioned, we just need to atually admit and address that overpopulation is the most fundamentally negative aspect of the potential growth of society right now, detrimental to every other aspect. Of course anyone with any power is scared of tackling this because they fear they may lose whatever power they have, this is the problem, we need a lead with balls to admit it, I think Corbyn is best bet.

 

[Woden]

bet some people wish they tried harder at school now

Totally irrelevant. Of everyone tries harder at school, all we have is population of highly educated low paid workers.

We will always need low paid staff, regardless of how good or education system is. The low paid still need to have somwhere to live, before and after retirement.

 

[MrMoonX]

bet some people wish they tried harder at school now

There are many degree educated people who can't afford to buy a house, especially in london and the south east, you know junior doctors, nurses, social workers, police, firefighters etc. All these people get paid between £25-35k a year, you find a house you could get a mortgage on in those areas without the ability to save for a deposit because you are paying inflated rent.

Education doesn't always mean you will get paid the big ££ especially if you you aren't a massive **** I am sure some clever **** will come along and suggest us mere average earners move to a cheaper area, but thats hard when these areas need these jobs doing, you have family and what happens when all the areas you can move to get expensive, as can be seen happening everywhere except the total dives

 

[McPhee]

that doesn't show any comparison over time - what was the % by the same measure in 1995 for example?

Here is the data from the IFS:

www.ifs.org.uk/uploads/publications/bns/BN161.pdf

now lets go back to my quote



which you can see from the graph the increase from the 80s to 95... then just below 25% for several years and then a recent slight increase

The real question is, why is there such a difference? Latest year in the ONS statistics is 2011 (2010/2011 or 2011/2012?), while the stats in the Guardian article are from 2013/2014. That isn't enough to explain the huge difference.

 

[dowie]

I'm not so interested in differences in measuring the portion - tis irrelevant to the claim FoxEye was making which was that the portion had increased massively recently - he's not provided anything to back up this massive increase.. it seems more like there was a big increase form the 80s to 95 but not any 'massive increase' recently

 

[McPhee]

I'm not so interested in differences in measuring the portion - tis irrelevant to the claim FoxEye was making which was that the portion had increased massively recently - he's not provided anything to back up this massive increase.. it seems more like there was a big increase form the 80s to 95 but not any 'massive increase' recently

Can you claim that the ONS data backs up your claim and disproves FoxEye's though? There's a few years' gap between the data, and the EHS data focuses on England only, where the ONS data is UK wide. All you can say is that, according to ONS data, and taking in to account all of the UK, there hasn't been a significant rise in costs up to 2011. That doesn't mean there hadn't been a significant rise since then, or that potential falls in Scotland, Wales and NI haven't served to mask the situation in England.

 

[dowie]

you can't compare data from two completely different sources using presumably different methodologies... it is the trend I'm interested in. FoxEye hasn't provided anything to back up his claim of a massive increase. The chart I've shown goes up to 2011... did something significant happen in 2012 to make you think there would be a sharp change compared to 2010 to 2011? Seems unlikely. Still I wasn't making the original claim.

 

[estebanrey]

No country can sustain perpetual growth, so therefore it needs to make the appropriate plans. This is where compassionate eugenics come in. No more foreigners, no more more chavs, and certainly NO more ******.

 

[gothic_hobbit]

Something needs to change fast with the housing situation,Never known a country like the UK to have such a big problem with the young folk not been able to rent a flat,Let alone a mortgage on a house.

But yes,Lets let in all these foreigners and give them houses,Makes me sick.

I concur.

That's why I voted UKIP.

 

[Tunney]

I concur.

That's why I voted UKIP.

How is kicking out half of Britain's builders, plumbers and electricians going to help the housing crisis?

 

[Tosno]

How is kicking out half of Britain's builders, plumbers and electricians going to help the housing crisis?

Because circa 200,000 less homes a year will need to be built by half of Britain's builders?

 

[robfosters]

How is kicking out half of Britain's builders, plumbers and electricians going to help the housing crisis?

Maybe give our youngsters half a chance of getting into the business rather than being undercut by Eastern Europeans everywhere they go.

 

[Woden]

Undercut? If you know a company is flouting minimum wage, report them. Its illegal.

 

[robfosters]

Undercut? If you know a company is flouting minimum wage, report them. Its illegal.

What I mean is that the Eastern Europeans work at rates which are bringing plumbers rates down to levels which take away the motivation to go through all the training.

 

[dowie]

What I mean is that the Eastern Europeans work at rates which are bringing plumbers rates down to levels which take away the motivation to go through all the training.

Really? Plumbers and electricians still seem to ear a reasonable wage.