Buying cheaper than social housing for half the country

Graham_Devon

cells wrote: »

I didn't say people on housing benefits could go buy the average house. I said for less than it would cost to rent a council house, you can buy your own one.

OK.

But most people can't rent a council house at social rent prices, so are paying much higher prices to rent from private landlords.

You still don't have a point.

wotsthat

Graham_Devon wrote: »

But most people can't rent a council house at social rent prices, so are paying much higher prices to rent from private landlords.

You still don't have a point.

You've just made his point for him.

Graham_Devon

wotsthat wrote: »

You've just made his point for him.

Don't think I have, seems you already had it wrong when you tried to second guess his point a few posts back and found yourself corrected.

cells

Graham_Devon wrote: »

OK.

But most people can't rent a council house at social rent prices, so are paying much higher prices to rent from private landlords.

You still don't have a point.

So is a mortgage of £400 or less for a average terrace house cheap or expensive? is it affordable or not?

cells

Graham_Devon wrote: »

OK.
But most people can't rent a council house at social rent prices

but they can buy an equivalent for a monthly payment less than the social rent and at the end of the mortgage they get a house with no rent and no mortgage.

Graham_Devon wrote: »

, so are paying much higher prices to rent from private landlords.

so why dont they buy and pay less than £400pm in mortgage payments?

Graham_Devon wrote: »

You still don't have a point.

rent if you want to rent
others will buy and pay less on mortgage payments than it would cost to rent a council house (true for more than half the country)

Graham_Devon

cells wrote: »

So is a mortgage of £400 or less for a average terrace house cheap or expensive? is it affordable or not?

It depends on many variables - obviously.

If you can't afford it, it's not affordable.

If you can, it is.

What you seem to be constantly missing is that everyone is different, everyone has a choice and won't buy something that doesn't suit them or is in the wrong area for a myriad of reasons.

There will always be cheaper houses. And they will always remain cheap for good reason. Normally due to area or lack of will to buy them.

The points and examples your keep bashing together simply defy belief and all sense of reality - and I guess I'll have to just leave it at that.

What you are doing is basically suggesting "you can buy a car for £150 a month on a loan - why would you use Europcar and pay £150 to rent one for a week". In doing this, you entirely miss the point.

That is all - I doubt we;ll ever agree as the points you keep rising are simply completely absurd.

cells

Rolandtheroadie wrote: »

Home improvements, repairs, buildings insurance.

All things a social housing tenant doesn't have to pay, but a home owner will have forever.

that sounds true but I have never rented from the council so dont know.

For anyone with the knowledge what is the council landlord responsible for? for instance im thinking they dont put in a new kitchen or bathroom every 10 years? Do they fix the boiler and wetworks of a house or is that down to the tenant and do they do annual gas safety checks etc?




*buildings insurance is about a tenner a month not even worth mentioning.

cells

Graham_Devon wrote: »

It depends on many variables - obviously.

If you can't afford it, it's not affordable.

If you can, it is.

What you seem to be constantly missing is that everyone is different, everyone has a choice and won't buy something that doesn't suit them or is in the wrong area for a myriad of reasons.

There will always be cheaper houses. And they will always remain cheap for good reason. Normally due to area or lack of will to buy them.

The points and examples your keep bashing together simply defy belief and all sense of reality - and I guess I'll have to just leave it at that.

What you are doing is basically suggesting "you can buy a car for £150 a month on a loan - why would you use Europcar and pay £150 to rent one for a week". In doing this, you entirely miss the point.

That is all - I doubt we;ll ever agree as the points you keep rising are simply completely absurd.

Are you being serious or taking the !!!!


Person A: Housing is too expensive and un-affordable
Person B: Define affordable
Person A: Well social rents are affordable
Person B: Buying is even cheaper than that in more than half the country

Person A (sane version): Well F.me I didnt know it cost more to rent from the council than to buy your own home in more than half the country. I will have to re-evaluate my long held view that most if not all the country was well overpriced
Person B: Glad to help

Person A (Graham style): You miss the point entirely. If people cant afford it they cant and if they can they can, your points make no sense and are absurd, we will never agree
Person B: this is like talking to a brick wall. Here let me draw you a diagram (see post #29)

ukcarper

cells wrote: »

that sounds true but I have never rented from the council so dont know.

For anyone with the knowledge what is the council landlord responsible for? for instance im thinking they dont put in a new kitchen or bathroom every 10 years? Do they fix the boiler and wetworks of a house or is that down to the tenant and do they do annual gas safety checks etc?




*buildings insurance is about a tenner a month not even worth mentioning.

From my experience ex council now HA, HA pays for all maintenance when needed, provides gas safety certificate and boiler service. Fitted new kitchen, old kitchen serviceable but 30 years old.

Graham_Devon

You asked if £400 a month is affordable. I gave you an answer - depends on A) whether you can afford those payments (many many can't and receive housing benefit because they can't afford anything otherwise.

The second, more important point is that there will inevitably always be cheaper houses. The normal reason for this is the type of house and the area - so even if you could afford it many times you'll ignore it.

This is reality. Get all stupid with "person A, person B" stuff all you like. You won't change reality.

You can pick up houses for 15 grand. It doesn't prove the point that "houses are cheap". It just proves the point that some houses are cheap - and there will be a reason that its so cheap but still not snapped up.

In general people buy houses that suit them. They don't just buy any old house because they can afford "that one". All you arguments rely on the assumption that people should buy whatever house is in their budget (regardless of area, condition or whether it suits their needs). That's not the real world. It's simply your world (and wotsthat's, apparently).