Council homes are being renewed in my home town of Swindon at £30,000 – 30 grand each.  Council property should be seen as any other benefit, not for life, and so, like benefits for being out of a job, be constantly scrutinised in the reasons why this benefit is needed, budgeting, cooking skills, looking for better work to become more really independent and a compulsory savings scheme to move people on to owning their own home and to allow those in need without access to the building they no longer need to others more dearly do.

What would be better would be to loan everybody who needed it – within reason – up to £30,000 for a deposit for a home of their own.  A loan like the Student Loans, benefits are also loans, loans off other people as they are paid out by a state that is in debt, all benefits received fit into that category as a result, both benefits in money and benefits in kind, there is no other way round that fact.

This will free people from this Modern form of Slavery in Our Day, as slavery is when someone else does work and you gain the money from it, as when someone rents, the work they do to pay for the rent is their slave labour to you.  And not only do you gain from this you also gain from the property prices rising which further entraps them in your lair of rent rises in perpetuum.  People need to be free of this tyranny, this magnolia Stalinist dictatorship.

I would give people the right to buy the property they are currently living in and tax to complete lack of profitability all second, third, holiday, investment and all other non occupied by the owner estates, as if they are not living in it it is surplus to their requirements, you only actually Need One Home Each.  You can visit others, share by living in a hotel which is a business which provides work in that local area.  Owners provide stability, community and mental wellbeing in an area which also physically improves with the hope that any input will be looked on with joy in the future.

Some taxes like anti smoking tobacco taxes and alcohol taxation are designed to promote improved behaviours, here in this case this is dearly needed.

Business taxes V Property taxes:  Amazon can’t get them to pay so why not delete them all to be fair and only tax the land, it’s not going to be able to get away with it is it?   You can’t hide land, you can’t transfer its assets abroad! Unviable small business due to extortionate taxation, working but not gaining, whereas property ‘investors’ gain loads from very little work.  working taxes v landed gentry income, patents v copyright  How can any of this be fair?  In terms of fair trade or any other terms too?

The within reason bit is to loan anything up to 5% of the property worth, and to state to the banks that they must loan the rest, particularly to the banks we, the taxpayer loaned out so much money to at our cost, now with potholes in roads and parks being sold off, our lives have become worse, and so this is the only just action the banks can take.  They cannot pre judge people’s work patterns as the grief that they have caused us is why they are how they are.  Anyway, as far as the banks of the current tenants are concerned, mortgage repayment requirements will be cheaper than rent, which the tenants have been able to pay, so there is no justification in saying that they can’t or won’t be able to pay, clearly they can.

No age limits either, as we really cannot presume a person will live for x number of years, you never know, and anyway with property equity release this is illogical and therefore imparitive, not fair, so to be fair it is imperative all are included in this freedom and release from bondage.

Young people may find a big house seriously scarey, and anyway they haven’t got enough stuff to fill it anyway, so I propose 2 forms for them, and others who prefer this as an option (not a coerced preference, a real one)

A Micro Mortgage – is all in one room.  The kitchen will be like IKEA used to sell and is also available elsewhere, with a unit with a fridge, a sink, 2 hobs and a bit of a cupboard underneath, you could add a combi oven and you are done.  The bathroom would be a shower, toilet and basin unit like you see in Unis across the land.  The bed sitting room would be a bunk with a sofa underneath of a bed with cushions to make it into a sofa in the day.  Storage units for what little you’ve got too.  Aldi did an offer last year on mini freezers and dishwashers which you could add as you wish.

A Macro Mortgage – this is like the above but more spread out into 2 rooms, with an en suite bathroom area in the bedroom and a kitchen cum sitting room arrangement in the other.  This is when you are ready to spread out a bit, say as you are getting older and have got more stuff.

The Micro Mortgage will be what you can get if you are under 21, The Macro under 25.

And a 3^rd, where the property is in the majority needing work done on it. Is:

A Minor Mortgage is similar to the Micro Mortgage in that one room in a house that needs a lot of work doing on it is fine and liveable in.  You then, as money and time allows do up the house and gradually spread out into it.  You will need to be 25 or show in an application relevant skills, so as not to exclude under 25s who are working in the construction trade, but no applications for all others.  This is to alleviate the annoyance felt by the young who could afford these properties but the banks will not lend them the money to provide the opportunity to them.  The government will lend them the funds to create one good room and ensure the banks back them up for the rest.  They have the energy and enthusiasm for this work.

Pictures of what I was referring to:                                                                                                                                                                                    https://www.treehugger.com/kitchen-design/kitchoo-mini-kitchen-unit.html

 

 

 

 

Personal Story.

The landlady of the next door property delivered this note through my door:

It looks scruffy and unprofessional but she, an ex-teacher, owns a property empire, so looks can be deceiving.  I googled for more information about her, the teacher references I could not find, but the property ones I did.

This is the evidence of her property empire which I googled for:

https://beta.companieshouse.gov.uk/officers/MtX1YK0afwouFm6n4A2dW1jet3k/appointments

Deborah SEGARRA DAMEA