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Right to a house?

1356711

Comments

  • Registered Users, Registered Users 2 Posts: 1,261 ✭✭✭Gant21




  • Registered Users, Registered Users 2 Posts: 8,409 ✭✭✭corner of hells




  • Registered Users, Registered Users 2 Posts: 1,271 ✭✭✭bazza1


    Not to worry! SF will be in power from next election and they apparently have all the answers! Houses for all , big increases in SW payments, put it all on the tab!



  • Registered Users, Registered Users 2 Posts: 8,409 ✭✭✭corner of hells




  • Posts: 0 [Deleted User]


    Money will be no object.

    Of course there will be a moment like in the last election during a TV debate where Pearse Doherty will be asked where they will get the money to pay for all the promises they make without increasing taxes, and the answer will be the same, I dunno.



  • Registered Users, Registered Users 2 Posts: 8,184 ✭✭✭riclad


    That's your opinion my friend has 2 apartments 12 years old, I spent a week there, I could hear no sound from above, to the right and the left, there's some slight traffic noise if you are in the bedroom near the windows. At rush hour The problem is there's no inspections Re sound of apartments, every building is different , re insulation sound quality

    You might as well say everyone who drives an electric car is a millionaire tech bro

    The solution is to provide more housing in towns city's we need 20k units built every year right now there's maybe 5k units being built

    Corporations are buying houses to rent out or provide space for workers also at any time there's 1000, s of empty council units empty awaiting refurbishment

    In the midst of inflation high energy costs supply side crisis i see no sign of the situation being better in 5 years from now

    My friend rented out rooms for 2 years for 80 euro a week and he had good tenants the problem is house prices have gone up 300 per cent in the past 5 years

    No one buys houses to leave them empty in Ireland

    there's loads of empty office space because people are now working from home



  • Registered Users, Registered Users 2 Posts: 14,222 ✭✭✭✭Danzy


    He was but Michael D was also against direct provision, against inward migration caps, wanting solidarity with Ukrainian refugees, wanting social housing to apply to EU citizens.


    That's all well and good but pretending it is anything but petrol on the housing shortage fire is maddening.

    He takes an extreme free market position on things driving the housing crisis but talks about the right to housing.


    He is a bit of a hypocrite.



  • Registered Users, Registered Users 2 Posts: 1,261 ✭✭✭Gant21




  • Registered Users, Registered Users 2 Posts: 761 ✭✭✭GSBellew


    If you are in your forties now, then you were in your twenties in the Celtic tiger days, the days of the 100% or more Mortgage etc.

    40 - 20 in 2002

    41 - 20 in 2001

    42 - 20 in 2000

    43 - 20 in 1999

    44 - 20 in 1998

    etc

    Someone who was 20 in 2002 even allowing several years for college could have been in a position to look at buying just before the crash.

    I'm in my early to mid 40's, we bought in 04 when I was mid 20's, people thought we were crazy, we sacrificed anything we didn't need to survive, our friends traveled the world, we couldn't afford a TV for the first few years, didn't have one until a friend at work gave us one a few years later.

    I know plenty of people my age now, who spent their 20's enjoying themselves but complain about the difficulties they face buying a house, they all could have done the same, but chose a different path.

    I think people in general want everything, they want the home, but not the sacrifice buying one entails.





  • Housing is as basic as food, shelter, clothing. To live with dignity, not always to compromise giving up your space, house shares, room shares etc. Issues with house mates, with landlords etc. The older generation dont give a sh*t, they have their own house most likely bought when it was cheap, since the 90's houses have 10x in price. Anyway so we are looking at houses the wrong way, looking at it as a luxury, an asset, a store of value, it has been internationalised and can be bought by anyone with enough dough. Where instead it should be a basic neccessity available to everyone on the island without having to give up their dignity, unfortunately its the downside of an international globlaised capitalist society, you are but a number, a worker drone, a cog in the wheel.



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  • Registered Users, Registered Users 2 Posts: 8,184 ✭✭✭riclad


    Most people are not homeless the problem is people under 30 are living at home with parents or else maybe paying high rents to live in a basic flat or share a house . The government already provide social housing to people on lower incomes and help for first time buyers. If we want to change the present system we would need to switch over to a Sweden type high tax system, I don't think most people would vote for this , we have always had an open economy with a welfare system in place , it sort of worked until about 5 years ago when house prices went up quickly leaving most of gen z stuck in the rental sector no one was complaining in 2000 when there was a housing boom and it was easy to get a mortgage even if you just worked in Tesco or aldi

    House prices are falling in America since the fed raised interest rates the Irish economy has changed since the 80s, going in boom bust cycles its impossible to tell what the next 5 years will bring except it looks as if inflation will continue for some time

    The government seems to like to announce plans to build 1000s of House, s while relying on the private sector to fix the problem



  • Registered Users, Registered Users 2 Posts: 1,766 ✭✭✭oceanman


    or....we could just vote in the same shower of wasters we have now for another five years...that would solve everything!



  • Registered Users, Registered Users 2 Posts: 14,309 ✭✭✭✭Potential-Monke


    It's like asking to choose between a noose or an anchor...



  • Registered Users, Registered Users 2 Posts: 9,480 ✭✭✭pgj2015


    It is not an accident, their family or someone connected to them chose to give them a house. It isn't costing the government anything.



  • Registered Users Posts: 506 ✭✭✭asdfg87




  • Posts: 0 [Deleted User]


    What a pile of self-pitying crap.

    Food and clothing may be “basic”, but you have no right to them and no one is responsible for giving you the type you want, when you want it, at the price you want to pay for it.

    The older generation do give a shite as our kids are now the ones trying to buy houses, but whinging about how hard-done-by you feel and blaming the Government/society doesn’t get you the house in the location/price you want. We are all cogs in the wheel, few of us are so special that we stand out from everyone else and deserve special treatment.

    House prices are certainly higher today, but in the 90s wages were lower, unemployment higher, interest rates over the past few yrs are at historical low so rates were higher in the 90s etc. So stop feeling sorry for yourself, get off your hole and make your own opportunities, if it wasn’t happening here in the 90s, people looked abroad for them.

    Prices were expensive relative to wages, even in the 90’s. https://www.rte.ie/archives/2019/0522/1051043-soaring-house-prices/

    Sorry TheTruth, this bloody screen jumping meant I accidentally clicked on your post when it jumped, now I can’t remove it.

    Post edited by [Deleted User] on


  • Registered Users Posts: 757 ✭✭✭generic_throwaway


    Following that logic to its conclusion, does it require:

    a) that people own the house they are housed in?

    b) that the house should be exactly where they want to live?

    c) that the house should meet anything but their basic needs?

    Bear in mind that this 'free' housing will be paid for by the work of other people.

    Edit: I don't mean to put words in your mouth, I know how annoying that can be. I'm really just raising the three questions as a thought experiment.



  • Registered Users Posts: 515 ✭✭✭TheTruth89


    The real beauty of this is everyone complaining about this is paying tax just to know that some lad is sesh'in it up everyday down in paddy powers not doing a tap and strolling home to live rent free and there is nothing you can do about it you are literally paying him whether you like it or not. You better get working OP cause his not happy in his current 300k house and is going to put in a complaint and get moved to a span new one.


    You have no right to stop paying for him if you want to work in this country.



  • Registered Users Posts: 1,495 ✭✭✭fun loving criminal


    Will you give up your job and give it to someone else so that they too can afford to buy a house?



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  • Registered Users, Registered Users 2 Posts: 9,480 ✭✭✭pgj2015




  • Registered Users, Registered Users 2 Posts: 1,261 ✭✭✭Gant21




  • Registered Users, Registered Users 2 Posts: 823 ✭✭✭Liberty_Bear


    Mary and Jim are a couple in their sixtie, they have no kids and worked all their lives. Jim and Mary bought a property when their wages actually meant that they could genuinely afford on a single income a house in a suburb of Dublin in 1982. This mortgage left them comfortable and paid off. In 2002 their grandchild lives with their partner in a rented house in Dublin and pays rent of €2,000 a month. They have two kids and need a three bedroom. Whilst paying for this mortgage they have to save for a deposit for a house they can ill afford, as house prices are way above what it should be as inflation drove up house prices but their wages not so much. The 40% increase in elec costs, plus gas, spiralling petrol prices, threats of job cuts, ever growing shortage of food stuffs and resulting costs on that mean that they live in this weird twilight world - not enough to live on but enough to get by

    So in essence its the people living pay cheque to pay cheque we help mate!



  • Registered Users Posts: 515 ✭✭✭TheTruth89


    We are gonna be paying for these people one way or another, either to jail them when they steal what they need to survive or social welfare to stop them getting to that point, everyone has a right to try to "survive", i agree though no one has a "right" to a house unless they have paid for it people simply arent will to endure the hardship required to get on the property ladder, so are looking for easier outs the way on to it is there its just uncomfortable.

    An uncomfortable climate for people used to comforts = complaining.



  • Registered Users Posts: 1,495 ✭✭✭fun loving criminal


    It's a sad state of affairs that an 18 year old has to finish school and know exactly what they want to do with their lives and they better choose wisely because they only get one chance and then go into a life full of responsibilities after college.



  • Registered Users Posts: 1,495 ✭✭✭fun loving criminal


    Not really, what do you suggest a young couple with a child does? You want them to figure out how to afford a house, so what exactly do you suggest? They're probably working and paying childcare and rent but tough **** if they can't afford a house. Easy for you to tell them to figure things out themselves.



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  • Registered Users, Registered Users 2 Posts: 22,354 ✭✭✭✭endacl


    I had great craic in my 20s and 30s. Still living it up approaching 50. Have a house. And an apartment.



  • Registered Users, Registered Users 2 Posts: 8,409 ✭✭✭corner of hells


    I bought two houses , one in mid 90s and second in 2001 , neither have increased x 10 in value.

    Both in Dublin.



  • Registered Users, Registered Users 2 Posts: 8,409 ✭✭✭corner of hells


    Have a read of your post , from no kids to a daughter with a child.



  • Registered Users, Registered Users 2 Posts: 11,789 ✭✭✭✭BattleCorp


    In your scenario above, Mary and Jim have no kids. How do they have a grandchild then?

    Look, sorry, I'm not trying to be smart but it wasn't all roses and streets paved with gold when Mary and Jim were growing up. That generation had to work pretty hard to get where they are now in their sixties. Lots of them had way less than you probably have when they were your age. The previous generation, those in their 70's and 80's had it even tougher. Go to England or starve were the two options for a lot of people.

    That said, I do agree that anybody renting and trying to save for a house is in a serious spot of bother. Even with two wages, houses in many parts of Dublin are absolutely unaffordable.

    But there's no point denying that many people of Mary and Jim's generation also struggled pay cheque to pay cheque to try keep a roof over their heads. I'm including my parents in that cohort.

    What are the solutions?

    1. Have the councils go back to building houses. The most simple, cheapest square/rectangle house that can be built and build loads of them. No frills whatsoever, just a house to take care of the social housing needs. I'm talking about terraced housing that could be built cheaply.
    2. Give tax breaks to private companies/builders who build houses similar to the social houses for private low income buyers. Build a house for sale to the public at under €250k per unit, the developer pays no tax on it. That would help a lot of people get on the housing ladder.


    I know that modern thinking is that the government don't want council house estates any more as it can give rise to antisocial behaviour/ghettos etc (their words, not mine) but realistically, we need sh1t loads of them built and built in a hurry.



  • Registered Users, Registered Users 2 Posts: 1,360 ✭✭✭Dreamweapon


    You still sound like you're having no fun now. A life wasted i would say.

    Big on the all mouth and trousers scene



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  • Registered Users, Registered Users 2 Posts: 2,740 ✭✭✭scwazrh


    From that comment you have figured out my life is no fun and wasted . Your very talented, you won’t have to worry about not affording a house .



  • Registered Users, Registered Users 2 Posts: 13,033 ✭✭✭✭bnt


    There seems to be two unrelated discussions going on here about two entirely different things. One is about “social” housing and/or people expecting housing for free. Lots of straw-manning going on there. I’ve never had “social” or “free housing in my life, so I can plead ignorance and stay out of that one.

    The other discussion - the one I’m interested in - is the one about affordability. How do you measure housing affordability? It’s how much of your income (after tax) you spend on housing. I don’t think it’s a stretch to assert that increases in home prices and rents have exceeded increases in income by a significant factor. There’s lots of freely-available research on the topic, such as this EU report: https://ec.europa.eu/info/publications/housing-affordability-ireland_en

    Some interesting stats in there, such as the impact of land costs (way too high) and construction costs (ditto). In 2019, Dublin had the 3rd-highest construction costs in Europe, after London and Zurich, and “margins” make up a large proportion of the increase. “Margins” is another word for “profits”: construction companies are profiteering from the situation, not so much their suppliers or building workers.

    Death has this much to be said for it:
    You don’t have to get out of bed for it.
    Wherever you happen to be
    They bring it to you—free.

    — Kingsley Amis



  • Registered Users, Registered Users 2 Posts: 9,480 ✭✭✭pgj2015


    Well dont have kids if you cant afford to have them, if you do, its up to you to figure it out.



  • Registered Users Posts: 1,495 ✭✭✭fun loving criminal




  • Registered Users, Registered Users 2 Posts: 9,480 ✭✭✭pgj2015


    Yes. its not up to me to figure their problems out. im young myself by the way.



  • Registered Users, Registered Users 2 Posts: 630 ✭✭✭BaywatchHQ


    My parents will leave me this house or at least part of it, inheriting houses has been going on for generations, who am I to stand in the way of tradition. My adult life has been non stop suffering anyway so I will happily take that one positive.


    My grandfather bought a town house for my uncle in the 70s when my uncle was 9, when he got married he lived there for 8 years and used the money to build a bungalow in his wife's field. My uncle was essentially set up twice, he had money and a field.



  • Registered Users, Registered Users 2 Posts: 21,190 ✭✭✭✭Ash.J.Williams


    Lots of bitter people here who bought gaffs in their 20s 😂



  • Registered Users, Registered Users 2 Posts: 1,228 ✭✭✭The Mighty Quinn


    I think a common reason cited for the prohibitive cost of housing now is because of building regulations. Even building the most basic house you can now will leave you with a super cosy home, well insulated, good heating systems etc.

    Regulations are regulations for all new builds, regardless of whether its a private luxury build or a council estate. The current regs dictate expensive construction and materials.

    You can't build lesser quality as social housing.



  • Registered Users, Registered Users 2 Posts: 2,338 ✭✭✭Bit cynical


    Used to be that living in social housing was considered the lowest point to which you could sink in life. Not too long ago, people would would be admired for coming out of a council house and still being able to make it in life despite awful beginnings.

    Now it's "you jammy b*st*rd!!" if you live in on and people crave these humble abodes.



  • Registered Users, Registered Users 2 Posts: 11,789 ✭✭✭✭BattleCorp


    Of course you can build a lesser quality house when it comes to social housing, as long as you comply with the building regulations. By all means insulate the houses, have a good heating systems etc. but there's no law that says social housing has to be exactly the same as private housing, only that the regulations must be complied with in both cases.

    Here's an example of how costs can be saved.

    Build social houses in simple rectangular form terraces like in the picture below.

    They are still a good house if built properly and this method is an efficient use of space. This saves a lot on groundwork, blocklaying, plastering etc.

    A simple 'A' frame roof on a row of terraced houses is also far cheaper to build than if you had to build roofs on detatched or semi detatched houses.

    This method alone is so much easier as there's less plastering etc. The houses would also be easier to keep warm as they would have less walls exposed to the elements.

    The only downside to these is that they may need extra fireproofing materials but this would be no different to an apartment.

    You can put in cheaper flooring/bathroom fittings, skirting, architrave etc. I doubt there's any laws against that.

    I know that modern thinking is that the government don't want council house estates any more as it can give rise to antisocial behaviour/ghettos etc (their words, not mine) but realistically, we need sh1t loads of them built and built in a hurry. If we can do it cheaply, it means we can build more of them. I've no problem with council houses by the way. I grew up in a terraced council house.



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  • Registered Users Posts: 1,034 ✭✭✭Swaine


    Right to a house? No. Right to affordable housing? Yes.

    Right now rents and house prices are out of reach for many with good jobs. That is so wrong.

    A person who does not work or contrubute to the exchequer has a better chance than securing a home than someone on 40K per year paying 10k in tax.

    Ireland in 2022, a fcuking shambolic excuse of a country.



  • Registered Users, Registered Users 2 Posts: 8,453 ✭✭✭Ray Palmer


    Have you seen the social housing that has been built recently and what happens to the housing that was built?

    Go look at them and you get an idea why your plan hasn't worked and been already attempted.

    Go to Ballymun and look. Mixture of new and old council housing. Civic pride in the location isn't there. The amount of rubbish thrown on the streets by the locals is apparent. You are suggesting we create ghettos. Integrated housing is needed so we don't make the same mistakes.



  • Registered Users, Registered Users 2 Posts: 1,293 ✭✭✭Viscount Aggro


    Kilkenny is a city, right?

    Someone told me... There is not one property for rent in the whole city

    That's unbelievable

    Maybe I should buy a property and rent it out.



  • Registered Users, Registered Users 2 Posts: 436 ✭✭Girl Geraldine


    People giving out about the 3.5 times salary rule. I tell you this now...be thankful that is there. If you think house prices are high now, just wait until you see how high they would be if that rule was gone. Prices would accelerate explosively.



  • Registered Users, Registered Users 2 Posts: 2,338 ✭✭✭Bit cynical


    Well a bit of an exaggeration there on my part but nevertheless you do read about people who had to struggle to lift themselves out of social housing to where they are today.



  • Registered Users, Registered Users 2 Posts: 11,789 ✭✭✭✭BattleCorp


    More houses are needed. What's your suggestion?



  • Registered Users, Registered Users 2 Posts: 6,712 ✭✭✭Feisar


    In fairness, "we" don't create ghettos, the people that live there do that.

    First they came for the socialists...



  • Registered Users Posts: 364 ✭✭Xidu


    How come I know more than 10 people who are Irish and in their 40s own more than 3 houses each?

    one of them is a finance senior manager she own 5 houses.



  • Registered Users, Registered Users 2 Posts: 29,909 ✭✭✭✭Wanderer78


    should asset owners such as property owners, have the right to gain more wealth from this asset, for virtually nothing, while preventing others from gaining access to such a critical need?



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  • Posts: 0 [Deleted User]


    Two points in the answer:

    1. It is not the responsibility now, nor has it ever been, of private investors to provide accommodation to those in critical need.
    2. Of course they have a right to make a gain on an investment, they also have no right to avoid a loss on it as well. If there was no prospect of gaining from investment, why would anyone invest? A considerable number of people made huge losses on investments in rental properties in the last recession.


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