this post was submitted on 20 May 2024
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[–] [email protected] 13 points 11 months ago (1 children)

Yeah, housing can't be an investment AND affordable. Investments have to grow faster than inflation. Affordable things can't do that.

That being said it's hard to blame "homeowners" because the goal is to make more people into homeowners, it's kind of backwards to antagonize the goal itself.

Certainly though the current perception needs to change, you don't buy a house as an investment, you buy it so that you get to keep your "rent" as equity, and you get to lock down your "rent" over 25+ years so that it effectively gets cheaper in relation to your income.

[–] [email protected] 5 points 11 months ago

You blame the homeowners not for owning, but for supporting policies that maintain their investment.

Even the rent as equity shouldn't be significant, the actual house depreciates over time and requires repairs to keep it's value. The most important change needed is to make it so that owners NEVER benefit from the value of the land increasing. This can be done in a number of ways, from regular property taxes to applying capital gains to property value.