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Re: TORYS NOW TO SELL OFF HOUSING ASSOCIATION HOMES !!
Presume you live in Wales ?
Then you wont have the chance to buy your social housing property.
The Labour WAG dont want you to have that choice.
In theory it's a good idea - as long as it's implemented correctly.
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Re: TORYS NOW TO SELL OFF HOUSING ASSOCIATION HOMES !!
Quote:
Originally Posted by Eric Cartman wrote on Tue, 14 April 2015 10:32
Sludge - in 2 minds over this.
Quote:
Originally Posted by Jimmy Jimmy wrote on Tue, 14 April 2015 09:26
If your family have lived in a Council House / Housing Association house all your life and you've been paying rent etc - wouldnt you as a family want to be given the opportunity to buy - no more dead rent money and a family asset ? - why wouldnt anyone want that ?
The discount is due to the rent you have paid. If there was no discount then the state would profit massively from this at the e pens of those less well off. No one should feel Comfortable with that.
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Re: TORYS NOW TO SELL OFF HOUSING ASSOCIATION HOMES !!
Quote:
Originally Posted by Eric Cartman wrote on Tue, 14 April 2015 10:32
Does Sludge live in social housing? If he does fair play for his stance.
Quote:
Originally Posted by ken smith wrote on Tue, 14 April 2015 10:24
You don't have to live in social housing to realise that maintaining a signficant stock is neccessary for the country...
I've never understood this argument. How will changing the legal ownership of the property affect the total number of houses in the country?
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Re: TORYS NOW TO SELL OFF HOUSING ASSOCIATION HOMES !!
Quote:
Originally Posted by Jimmy Jimmy wrote on Tue, 14 April 2015 10:40
From what I heard the discount available depends on how long they have been in the property. The longer you have been there - the more rent you have paid - the bigger the discount.
Short term thinking in my opinion.
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Re: TORYS NOW TO SELL OFF HOUSING ASSOCIATION HOMES !!
Quote:
Originally Posted by Kiffa wrote on Tue, 14 April 2015 09:00
Are you allowed to buy your home before you're kicked out for having too many bedrooms?
Quote:
Originally Posted by The Bloop wrote on Tue, 14 April 2015 08:35
No, you'll be forced to move to a smaller home and then your house will be sold privately as councils are being forced to sell of A THIRD of their social housing
Isn't part of Labour's plan to create an income stream from people owning houses too big for their needs?
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Re: TORYS NOW TO SELL OFF HOUSING ASSOCIATION HOMES !!
Quote:
Originally Posted by SLUDGE FACTORY wrote on Tue, 14 April 2015 05:46
Its the right to buy all over again , huge discounts to win votes
http://www.bbc.co.uk/news/election-2015-32295970
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Re: TORYS NOW TO SELL OFF HOUSING ASSOCIATION HOMES !!
Quote:
Originally Posted by The Local Boy wrote on Tue, 14 April 2015 10:45
Does Sludge live in social housing? If he does fair play for his stance.
Quote:
Originally Posted by Eric Cartman wrote on Tue, 14 April 2015 10:32
You don't have to live in social housing to realise that maintaining a signficant stock is neccessary for the country...
Quote:
Originally Posted by ken smith wrote on Tue, 14 April 2015 10:24
I've never understood this argument. How will changing the legal ownership of the property affect the total number of houses in the country?
I never said it does?
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Re: TORYS NOW TO SELL OFF HOUSING ASSOCIATION HOMES !!
Quote:
Originally Posted by The Local Boy wrote on Tue, 14 April 2015 10:44
Sludge - in 2 minds over this.
Quote:
Originally Posted by Eric Cartman wrote on Tue, 14 April 2015 10:32
If your family have lived in a Council House / Housing Association house all your life and you've been paying rent etc - wouldnt you as a family want to be given the opportunity to buy - no more dead rent money and a family asset ? - why wouldnt anyone want that ?
Quote:
Originally Posted by Jimmy Jimmy wrote on Tue, 14 April 2015 09:26
It does depend then what the Council / Housing Association then does with the money surely ? , if they re invest it in new housing then fair enough - if they dont - then they have a problem.
How would the state profit massively from charging the lowest possible rent and then selling something for what it is worth...?
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Re: TORYS NOW TO SELL OFF HOUSING ASSOCIATION HOMES !!
Quote:
Originally Posted by Eric Cartman wrote on Tue, 14 April 2015 10:48
From what I heard the discount available depends on how long they have been in the property. The longer you have been there - the more rent you have paid - the bigger the discount.
Quote:
Originally Posted by Jimmy Jimmy wrote on Tue, 14 April 2015 10:40
Yeah I get that but I just can't see how that makes financial sense. We have a stock of housing, why sell them for less than they are worth? To give people a shot at owning a house who perhaps otherwise wouldn't have? Great for them but unfortunately (as we have seen from the Thatcher years and beyond) that hurts future generations ability to rent affordably.
The Tories rewarding their landlord supporters by reducing the availability of public rentals keeping the private sector buoyant and rents high.
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Re: TORYS NOW TO SELL OFF HOUSING ASSOCIATION HOMES !!
Quote:
Originally Posted by gurkhablue wrote on Tue, 14 April 2015 11:16
From what I heard the discount available depends on how long they have been in the property. The longer you have been there - the more rent you have paid - the bigger the discount.
Quote:
Originally Posted by Eric Cartman wrote on Tue, 14 April 2015 10:48
Yeah I get that but I just can't see how that makes financial sense. We have a stock of housing, why sell them for less than they are worth? To give people a shot at owning a house who perhaps otherwise wouldn't have? Great for them but unfortunately (as we have seen from the Thatcher years and beyond) that hurts future generations ability to rent affordably.
Quote:
Originally Posted by Jimmy Jimmy wrote on Tue, 14 April 2015 10:40
Short term thinking in my opinion.
Or perhaps giving an incentive to those not so well off who want to buy their own homes.Twist the arguement which way you will.
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Re: TORYS NOW TO SELL OFF HOUSING ASSOCIATION HOMES !!
Quote:
Originally Posted by ken smith wrote on Tue, 14 April 2015 10:24
Does Sludge live in social housing? If he does fair play for his stance.
You can own your own home and still have a social conscience about this.
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Re: TORYS NOW TO SELL OFF HOUSING ASSOCIATION HOMES !!
Quote:
Originally Posted by nugent wrote on Tue, 14 April 2015 09:36
Sludge - in 2 minds over this.
Quote:
Originally Posted by Jimmy Jimmy wrote on Tue, 14 April 2015 09:26
If your family have lived in a Council House / Housing Association house all your life and you've been paying rent etc - wouldnt you as a family want to be given the opportunity to buy - no more dead rent money and a family asset ? - why wouldnt anyone want that ?
Id avoid almost anything you deem to be a 'good idea' TBH .
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Re: TORYS NOW TO SELL OFF HOUSING ASSOCIATION HOMES !!
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Re: TORYS NOW TO SELL OFF HOUSING ASSOCIATION HOMES !!
Quote:
Originally Posted by saganspirit wrote on Tue, 14 April 2015 11:52
Does Sludge live in social housing? If he does fair play for his stance.
Quote:
Originally Posted by ken smith wrote on Tue, 14 April 2015 10:24
You can own your own home and still have a social conscience about this.
If some Labour supporters who live in nice affluent areas had a problem with that then that's their hard cheese.
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Re: TORYS NOW TO SELL OFF HOUSING ASSOCIATION HOMES !!
Quote:
Originally Posted by Eric Cartman wrote on Tue, 14 April 2015 10:52
Does Sludge live in social housing? If he does fair play for his stance.
Quote:
Originally Posted by The Local Boy wrote on Tue, 14 April 2015 10:45
You don't have to live in social housing to realise that maintaining a signficant stock is neccessary for the country...
Quote:
Originally Posted by Eric Cartman wrote on Tue, 14 April 2015 10:32
I've never understood this argument. How will changing the legal ownership of the property affect the total number of houses in the country?
Quote:
Originally Posted by ken smith wrote on Tue, 14 April 2015 10:24
I never said it does?
You said the stock needs to be maintained. As far as I can make out there is no change in the UKs total housing stock thus the stock is maintained
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Re: TORYS NOW TO SELL OFF HOUSING ASSOCIATION HOMES !!
Quote:
Originally Posted by Jimmy Jimmy wrote on Tue, 14 April 2015 09:26
Sludge - in 2 minds over this.
For me if they did reinvest in new housing the stock then this is a great idea. It gives families a chance to own the house rather than having to pay rent. And it keeps the social housing stock newer and cheaper to look after. Its a great plan if it works out.... It just never does.
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Re: TORYS NOW TO SELL OFF HOUSING ASSOCIATION HOMES !!
Quote:
Originally Posted by Eric Cartman wrote on Tue, 14 April 2015 11:12
Sludge - in 2 minds over this.
Quote:
Originally Posted by The Local Boy wrote on Tue, 14 April 2015 10:44
If your family have lived in a Council House / Housing Association house all your life and you've been paying rent etc - wouldnt you as a family want to be given the opportunity to buy - no more dead rent money and a family asset ? - why wouldnt anyone want that ?
Quote:
Originally Posted by Eric Cartman wrote on Tue, 14 April 2015 10:32
It does depend then what the Council / Housing Association then does with the money surely ? , if they re invest it in new housing then fair enough - if they dont - then they have a problem.
Quote:
Originally Posted by Jimmy Jimmy wrote on Tue, 14 April 2015 09:26
You first point has some merit. But why the discount? The second point is spot on but if you sell something at a massive discount and then simply build another one with that money, you will eventually end up broke surely?
If I said a landlord built a house 20 years ago for 60k and had a sitting tenant all that time that effectively paid the mortgage who was now selling that house to the tenant for 200k with no mortgage you would be against it. That is what we are going to see here if market rates are charged. The tenants have paid the housing association mortgage whilst they have rented, the build cost is much less than the market value and the house price will have risen since the property was initially built.
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Re: TORYS NOW TO SELL OFF HOUSING ASSOCIATION HOMES !!
Quote:
Originally Posted by The Local Boy wrote on Tue, 14 April 2015 12:15
Does Sludge live in social housing? If he does fair play for his stance.
Quote:
Originally Posted by Eric Cartman wrote on Tue, 14 April 2015 10:52
You don't have to live in social housing to realise that maintaining a signficant stock is neccessary for the country...
Quote:
Originally Posted by The Local Boy wrote on Tue, 14 April 2015 10:45
I've never understood this argument. How will changing the legal ownership of the property affect the total number of houses in the country?
Quote:
Originally Posted by Eric Cartman wrote on Tue, 14 April 2015 10:32
I never said it does?
Quote:
Originally Posted by ken smith wrote on Tue, 14 April 2015 10:24
You said the stock needs to be maintained. As far as I can make out there is no change in the UKs total housing stock thus the stock is maintained
Well there is a massive waiting list for social housing, this would indicate to me that a) people prefer it to the current private landlord dominated system (perhaps it isn't working as well as you think) b) we need more of it to meet demand.
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Re: TORYS NOW TO SELL OFF HOUSING ASSOCIATION HOMES !!
Quote:
Originally Posted by The Local Boy wrote on Tue, 14 April 2015 12:19
Sludge - in 2 minds over this.
Quote:
Originally Posted by Eric Cartman wrote on Tue, 14 April 2015 11:12
If your family have lived in a Council House / Housing Association house all your life and you've been paying rent etc - wouldnt you as a family want to be given the opportunity to buy - no more dead rent money and a family asset ? - why wouldnt anyone want that ?
Quote:
Originally Posted by The Local Boy wrote on Tue, 14 April 2015 10:44
It does depend then what the Council / Housing Association then does with the money surely ? , if they re invest it in new housing then fair enough - if they dont - then they have a problem.
Quote:
Originally Posted by Eric Cartman wrote on Tue, 14 April 2015 10:32
You first point has some merit. But why the discount? The second point is spot on but if you sell something at a massive discount and then simply build another one with that money, you will eventually end up broke surely?
Quote:
Originally Posted by Jimmy Jimmy wrote on Tue, 14 April 2015 09:26
The discount is due to the rent you have paid. If there was no discount then the state would profit massively from this at the e pens of those less well off. No one should feel Comfortable with that.
I am not in favour of the state selling assets for less than they are 'worth', my stance is pretty simple.
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Re: TORYS NOW TO SELL OFF HOUSING ASSOCIATION HOMES !!
Quote:
Originally Posted by Eric Cartman wrote on Tue, 14 April 2015 12:31
Does Sludge live in social housing? If he does fair play for his stance.
Quote:
Originally Posted by The Local Boy wrote on Tue, 14 April 2015 12:15
You don't have to live in social housing to realise that maintaining a signficant stock is neccessary for the country...
Quote:
Originally Posted by Eric Cartman wrote on Tue, 14 April 2015 10:52
I've never understood this argument. How will changing the legal ownership of the property affect the total number of houses in the country?
Quote:
Originally Posted by The Local Boy wrote on Tue, 14 April 2015 10:45
I never said it does?
Quote:
Originally Posted by Eric Cartman wrote on Tue, 14 April 2015 10:32
You said the stock needs to be maintained. As far as I can make out there is no change in the UKs total housing stock thus the stock is maintained
Quote:
Originally Posted by ken smith wrote on Tue, 14 April 2015 10:24
Well there is a massive waiting list for social housing, this would indicate to me that a) people prefer it to the current private landlord dominated system (perhaps it isn't working as well as you think) b) we need more of it to meet demand.
There is demand but that demand isn't going to be altered by selling off social housing stock.
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Re: TORYS NOW TO SELL OFF HOUSING ASSOCIATION HOMES !!
Quote:
Originally Posted by Eric Cartman wrote on Tue, 14 April 2015 12:35
Sludge - in 2 minds over this.
Quote:
Originally Posted by The Local Boy wrote on Tue, 14 April 2015 12:19
If your family have lived in a Council House / Housing Association house all your life and you've been paying rent etc - wouldnt you as a family want to be given the opportunity to buy - no more dead rent money and a family asset ? - why wouldnt anyone want that ?
Quote:
Originally Posted by Eric Cartman wrote on Tue, 14 April 2015 11:12
It does depend then what the Council / Housing Association then does with the money surely ? , if they re invest it in new housing then fair enough - if they dont - then they have a problem.
Quote:
Originally Posted by The Local Boy wrote on Tue, 14 April 2015 10:44
You first point has some merit. But why the discount? The second point is spot on but if you sell something at a massive discount and then simply build another one with that money, you will eventually end up broke surely?
Quote:
Originally Posted by Eric Cartman wrote on Tue, 14 April 2015 10:32
The discount is due to the rent you have paid. If there was no discount then the state would profit massively from this at the e pens of those less well off. No one should feel Comfortable with that.
Quote:
Originally Posted by Jimmy Jimmy wrote on Tue, 14 April 2015 09:26
How would the state profit massively from charging the lowest possible rent and then selling something for what it is worth...?
So you are happy for landlords to make a massive profit at the expense of those who don't have the means to afford their own home. That's where we differ.
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Re: TORYS NOW TO SELL OFF HOUSING ASSOCIATION HOMES !!
I always thought Housing Associations were private organisations that just worked with the government.
What is the difference between a Housing Association house and a council house then?
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Re: TORYS NOW TO SELL OFF HOUSING ASSOCIATION HOMES !!
Quote:
Originally Posted by TruBlue wrote on Tue, 14 April 2015 12:38
I always thought Housing Associations were private organisations that just worked with the government.
Private rented - 4.0m
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Re: TORYS NOW TO SELL OFF HOUSING ASSOCIATION HOMES !!
I reckon a house that would be worth 160k would be offered to the tenant for 120k on average.
The housing association then have 120k to build a similar house - which is possible.
The conditions need to be set though so that the tenant who bought it cant sell within 5 years - so to stop people (like Jon Prescott's son) from then offering to buy the house for 125k - and then trying to sell it for 160k. In this example there is only one winner - and it's not the tenant, the govt or the housing association
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Re: TORYS NOW TO SELL OFF HOUSING ASSOCIATION HOMES !!