Download Making Housing more Affordable: The role of intermediate by Sarah Monk, Christine Whitehead PDF

By Sarah Monk, Christine Whitehead

The circulate clear of conventional rented techniques to assembly the housing wishes of these on modest earning has taken on new momentum within the most modern monetary cycle.€. This ebook solutions many of the questions round cheap housing and coffee fee domestic possession, and no matter if those intermediate tenures have the aptitude to play an extended time period position achieve sustainable housing markets. The editors make clear the rules on which the advance of cheap housing and intermediate tenures has been dependent; examine the coverage tools used to enforce those principles; and make a preliminar. learn more... Making Housing cheaper; Contents; individuals; Foreword; Acknowledgements; word list; 1 creation; part A: what's INTERMEDIATE HOUSING?; part B: MEASURING the matter; part C: SECURING INTERMEDIATE HOUSING; part D: WHO merits FROM INTERMEDIATE HOUSING?; part E: INTERMEDIATE HOUSING AND THE economic climate; Appendix 1 the goods; Appendix 2 Definitions of intermediate housing to be used in negotiating making plans responsibilities; References; Index

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Immediate benefits to government finances through short-term savings to government (i) direct subsidy (ii) tax benefits Longer-term benefits to public finance Dwelling quality/maintenance Dwelling utilisation Neighbourhood and community Social and political economic stability Labour mobility Owneroccupation Social renting Private renting Intermediate ownership Intermediate renting H L H L H L M H L M M M/H M H L H L L M/H L L H? L M? H L? L M/H? L M? H? L? L? M/H? M? L L H L L Intermediate housing tenure – principles and practice 31 The first and second rows cover the immediate and longer-term public finance implications.

Second, if people pay off their mortgages, owneroccupation puts households in a stronger position when their income falls at retirement. As their outgoings fall, pensions go further and less public support should be required. Third, individual households can borrow against or even sell the housing asset to pay for health care and other necessities making them more self-sufficient. Finally, the privatisation of social housing through, for example, the Right to Buy enables assets to be realised and public debt to be reduced – although this may of course engender additional costs in the longer term when social housing has to be replaced.

S106 agreements allow planners to extract some of the ‘planning gain’ – the increment in land values that occurs when permission to develop or redevelop is given – for community purposes, including affordable housing. The discount on the land can be added to central government grant to provide a larger discount on the open market price of the completed dwelling, or can be substituted for grant in varying proportions in order to ‘stretch’ public funding further. Equally private developers can provide similar products when there is no need for central government grant.

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