There is no answer to affordable housing, but as the rent is out of reach of the state must find a way so that everyone can access housing
Cathy
Ken Loach returns home at the British Film Institute last week had tears in eyes of many, including mine. The story of a young couple with their baby in the house more and more sordid and inns of losing their children look surprised a generation of 45 years. Thus, shook the consciousness of time, the shelters were closed punishments and advice of family obligation and the house of someone vulnerable. New campaign groups housing and the housing crisis remains at the top of the political agenda, demanding decent housing. But this government is to demolish most of the protections brought there.
It's a strange moment to undermine the security of housing, rents Council to weaken and reduce the shelter allowance, while the increase social rents. For the first time in decades, housing has exploded onto the political agenda as the absence of any affordable place to live at a critical point for middle-class children, for graduates, for people in their 30 years. The average age of a first time buyer is 37 years for anyone, without the help of parents of a deposit. Less Buyers, parents can help children and deposits are so high. Home ownership has declined over the past eight years, predicts that only 61% in 10 years. Why else would David Cameron, feel compelled to announce "a new conservative revolution of the house"? This compares to Harold Macmillan, however, their plans, at best, will produce 170,000 units of affordable housing in five years: there is no Macmillan. The accumulation of demand will grow.
report this week found refuge in average private rents are out of reach of ordinary working families in 55% of English authorities, costing more than a third of their income, while energy prices and rockets. With mortgages available and deposits too high, there are a million more than the private sector tenants five years ago. (Jon Snow is about £ 40 for rental yields half a week). Rental of private households are exceeding the number of public housing tenants. Private tenants are living a precarious life, where a lease after the initial six months, any person may be deported within two months and rents can increase in any amount. This is not a life for families at constant risk of elimination of schools and jobs. Housing crisis and the work of the shadow housing minister, Jack Dromey, call for certain leases of three to five years, as in most of Europe, so that the income of the house to do more than the inflation over the lease.
The only response from the government for high incomes has been to make rents more affordable to the poor by reducing subsidies to housing. The claim is that the housing allowance to artificially inflate earnings, but no evidence of rents fall. Turning is tight families already on the board, 269 000 are expected to have fallen into serious difficulties, and 134,000 displaced. No wonder Grant Shappa this week was given money emergency £ 42 million extra beds to keep the homeless shelter back in sight: Cameron is desperate to avoid a repeat of the rows of sleeping bags on the Strand and complete, an emblem of the Thatcher era.
- prices are falling short, good for much, but if they fall fast and far, owners of equity in series downward spiral: three million will have difficulty paying their mortgages if rates interest increased by 2%, they will. As prices fall, developers are even less willing to build institutional investors less willing to invest in building for sale or lease. Developers sit on huge land bank worth less than the price paid, so you build something in the hope prices will rise. What about limiting private rentals? In some areas, rents more expensive than a mortgage - if only they offered mortgages. However, while rents are very painful for the tenants are not sufficiently high return on investment to attract pension funds in the rental industry to build, build, build all the necessary accommodation.
- This market failure is a large scale, as was the boom. The market does not guarantee the supply and demand in times good or bad. This concludes the government ideological cause should be restrictive planning laws, the state always to blame for all the imperfections in the markets. However, developers are sitting on an excellent site with the permission of at least 300,000 homes, hoping that prices go up, nothing to do with planning. Government Consultation on policy planning ends on Monday. Rarely a political conservative, has caused such anger in its own backyard, National Heritage on the advice of conservatives. This letter developers "prepared by the donors of the Conservative Party supports the creation of new facilities, while there is still room for houses of 1.2 m in brownfield property.
the Government states that the high cost of housing benefit, not only to recognize the cost is due to rising rents. To cut, without offering alternative office is impressive. Soon they will be re-learn the lesson of Cathy Come Home. The answer is not cheap, only a decision on how far the poorest should pay the price of property booms and shortages of housing: the increasing misery of rogue landlords overcrowding does not go unnoticed for long. Now, children of the middle class who feel too, see the house become a hot political issue. Registration of construction is nothing to brag about, so they now come with an economic growth plan to build more daring for Great Britain of the crisis.
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