Housing and Planning Act 2016

Dan-Dan

numismatic wrote: »

Please see above , people are priced out of the market - which world are you living in ?


I can afford rent or mortgage payments, even a deposit, but is the bank who decide how much you can borrow, and the property market in the country for the price of houses.

Lets see you buy a 250k house on a 32k salary ? i just rent from while i save 150k shall i , yeah ok great idea yep

red herring ? its more like a sore thumb the way its so obviously a massive fallacy !

numismatic

Please can everyone stop being so unpleasant to me, i had a legitimate query , i have had no relevant replies on topic and a load of slander, i should report you all but i will probably just leave the forum tbh.

Funny this provoked a bad reaction, i wonder how many of you or your families benefited from RTB in the 80s and have been setup in life since due to it , shame if this is you.

like it or not its now the law, many laws have !!!!ed me off before and i have lived with them, i still do , if people don't like this law its tough they have to live with it, getting annoyed and being bitter on a forum isnt going to make anything better for anyone, and really arguing against this ruling is purely a negative thing , are you sadists , you just want to see people suffer , and when a new law is passed to help them you want to fight against them getting help, not even to you own benefit , just 'for fun' even ? why would anyone be so utterly vile.

I imagine none of you are actually social tenants, so im not even sure why you bothered to comment really as this doesn't affect anyone else unless they envious or just a !!!! , the former is hard to believe if they already own property -

Hopefully some relevant posts will be made but sadly i think i will look for a different forum

Everyone follows the same laws , so if one person can get RTB everyone who is in social housing with money can buy, i worked all my life, can afford a moderate mortgage , and want to make the most of my money for my family and give them s secure life , so of course i want to take up RTB as soon as possible - f**k me right !

marksoton

AirJoe wrote: »

There is always someone better off but there's no point being bitter about it. I am a single, private renter in Brighton earning just over £20k a year if you want some context for my view.
.

Quite. And as a higher than average earner the OP should consider themselves damn lucky to even be in social housing.

Norman_Castle

numismatic wrote: »

i have had no relevant replies on topic

HA right to buy expected to start late 2016. No firm date yet given.

numismatic

marksoton wrote: »

If they're insufferable why do you want to buy a property amongst them?

And those repairs as a homeowner won't seem so cheap when you're paying the bill...



Plenty of people have done so through necessity. Now stop the pity party self entitlement.

~I assume you are just playing simple to try and be annoying , your trolling posts are transparent but i will humor you as you are obviously bored.

Once on the property ladder i can move of course, i have lived here for longer so obviously waiting 5 years to take full advantage of the discount not a problem - i know that's what you want to hear.

fortunately i dont feel the necessity to move as i can afford to live here, just not buy (which is madness right) but now i can so i dont have to, it may have been teh case if things went on as they were much longer , Im sure you'd prefer i couldn't afford to rent either though, perhaps i could sleep on the street outside your house so you could spit on me out of the window.

"And those repairs as a homeowner won't seem so cheap when you're paying the bill..." what an irrelevant comment , have you forgot what the topic of this thread was, it wasn't 'please give me some money advice on home ownership' , you are as bad as the leaflets from the HA telling people how to wipe their !!!! or not to spend all their money on Christmas present , please remove yourself from the conversation you joker

marksoton

numismatic wrote: »

Once on the property ladder i can move of course, i have lived here for longer so obviously waiting 5 years to take full advantage of the discount not a problem - i know that's what you want to hear.

You go ahead. And on behalf of the taxpayer i thank you for returning that nice fat discount when you do so.

numismatic

AirJoe wrote: »

You come over as so angry in all your replies that I wasn't sure about that one. Sarcasm it is then.

I think the point that others were trying to make is that, whilst most would prefer to be buying somewhere, renting doesn't mean you are throwing money away for 'nothing'. You have had the benefit of a place to live without many of the risks of ownership.

There is always someone better off but there's no point being bitter about it. I am a single, private renter in Brighton earning just over £20k a year if you want some context for my view.

We should probably get back to your original question though. I have no idea on that one, sorry.

Thank you for the more personable response, im not angry so sorry if i came across like that, to me the off topic replies seemed angry and argumentative and i did get a bit frustrated , i have nothing to hide i am an honorable person as far as im concerned just trying to answer any points raised, which are pretty vicious especially for a new poster.

I understand you get accommodation, but its not the same as owning a house, and the houses are not great, the beneficial services you get are very poor , it maybe nice outside looking in and there may be some areas where it works but its not desirable for me at least why else would i be so eager to buy. Rent often costs the same as mortgage if you can get one, its purely the decision at the bank that determines how your finances go - you have repairs , but you have equity and free reign of choose and no landlord to answer to. I can understand for elderly or disabled ,or even if that's your preference but its not mine

ive not always been on this wage, just last few years , i was probably on about 13k when i was homeless, paying my private was just not an option on my wage alone and i had to leave my rented 'home', im 34 now and doing a bit better so close to buying a house but the banks just will not lend that kind of money hence why right to buy is a life saver , i will have to live here an additional 5 years before i can sell and go else where with the full value of the property which is another caveat of the scheme meaning i will be almost 40 by the time i have a family home i can call my own - and even doing this 'handout' way as some will see it its not been easy , i have worked hard and struggled with housing all my adult life so to eventually get this will be a very good feeling.

there is always someone better off and someone worse , im very au fait with such an idiom , but there is always 'make the best of what you have ' and i will no matter if outsiders what to put me down for little of no reason other than their own stuck up attitudes,

I just hope that by the time you are my age you will have your foot or at least your eyes on the property ladder if that is your desire, you may find though , that due to the system we live in as a single person your only chance will be to get on the council or win the lottery especially in 10 15 years time unless something changes drastically , i was homeless for over a year but they then gave me somewhere which has really been the opportunity that opened these future doors for me, sad but unfortunately that's life and the unfiltered truth of how property ownership is going in this country for the younger generations,

I bet you are a great fan of 'equal opportunities' no?

marksoton

numismatic wrote: »

im 34 now

So to summarise:

You're 34
Single
Earning 32K a year ( Above average earnings )
Been in social housing for over 8 years since your mid twenties

Do you actually have any concept of how lucky you are...

numismatic

AnotherJoe wrote: »

Great. So what is someone meant to do who doesn't earn enough to buy a house under any circumstances?
Who moves around the country every few years and doesn't want to be locked into buying every time?
Who just doesn't want to buy a house and would prefer to rent? You would force them to buy would you?
Who has to leave parents or partners house and has no money or earnings to buy a house? Who wishes to live in an area for a year or two before moving elsewhere?

Who will rent to those people if no one can become a landlord?

(And please dont say councils or HTB's because you've just had a right go at them. Did it occur to you the reason everything was repaired "on the cheap" is because the rent payments dont help much to cover the maintenance costs?)



But you weren't. So why did you make the comment about "sick of paying other peoples mortgages" when you weren't?

So off topic an misinterpreted , should i even bother ?

Half of the comments are completely irrelevant , there is no policy on people only owning one house and no renting , i just suggested it flippantly as the people owning multiple houses are destroying the market and forcing the need for things like right to buy, you knew that(unless you are totally deluded) , but you just wanted to argue , didn't you ?

I was paying peoples mortgages well probably could have been for a new BMW or Mercedes , if you actually bother to read the thread you are so relevant to and involved with you will maybe understand,

please stop acting like a child , im sure you are not one and just leave the conversation unless you have anything relevant to say , yawn,

numismatic

Dan-Dan wrote: »

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back to 9gag you, although you would be slandered for incorrectly utilizing the meme

Im not whining or sad , im just explaining the housing situation to those far too high in their ivory towers to notice what reality is though they think they do.