 a pretty terrible
one.

I highly recommend reading this article to learn more -
[http://jlcollinsnh.com/2013/05/29/why-your-house-is-a-
terrib...](http://jlcollinsnh.com/2013/05/29/why-your-house-is-a-terrible-
investment/)

------
vslira
According to the article, mainly: 1 - Government doesn't subsidize homeowners;
2 - Renting rules are reasonable for renters, increasing supply which makes
renting affordable.

There, saved you a click.

~~~
easytiger
The government doesn't subsidies home owners in the UK and it is considered
very very expensive, apparently, by many.

~~~
MagnumOpus
The government does subsidise home owners through nearly a dozen different
schemes[1], landlords through a dozen more[2], and the mortgage banks through
another score[3], which is the reason why prices are very expensive indeed.

[1] freedom from capital gains tax, RTB, HTB equity loan, HTB mortgage
guarantee, HTB ISA, Forces HTB, NewBuy, AFHOS, Shared Ownership Scheme, Key
Worker Scheme, Home Ownership Scheme for Cripples, and that is just off the
top of my head

[2] rent floors through LHA, tax deductability, ability to flip residence
between first and second homes for zero cap gains tax, freedom from
inheritance tax beyond the usual limit...

[3] state bailouts for all major banks, gurantees, QE, QE2, QE3, liquidity
schemes, credit purchase schemes etc etc

------
adrianratnapala
I agree it is a good thing for Germany to have so much renting. Indeed I think
home-ownership will be the #1 driver of inequality in other contries over the
next generation or two.

Those countries will have policies that lcaim help poor people buy houses, but
the effect is to just inflate prices and increase financial risk -- as the
world has already seen. The one thing that would really help -- increased
supply is blocked by a powerful home-owners lobby damanding zoning rules and
other restrictions.

In Germany the bloc is powerful,
a pretty terrible 
 one. 

 I highly recommend reading this article to determine more - 
 [ http://jlcollinsnh.com/2013/05/29/why-your-house-is-a- 
 terrib... ](http://jlcollinsnh.com/2013/05/29 / why - your - family - is - a - terrible- 
 investment/) 

 ------ 
 vslira 
 According to the article, mainly: 1 - Government doesn't subsidize homeowners; 
 2 - rental rules are reasonable for renters, increase supply which makes 
 rent affordable. 

 There, saved you a pawl. 

 ~~~ 
 easytiger 
 The government doesn't subsidies home owner in the UK and it is considered 
 very very expensive, apparently, by many. 

 ~~~ 
 MagnumOpus 
 The government does subsidise home owner through nearly a dozen different 
 schemes[1 ], landlords through a twelve more[2 ], and the mortgage banks through 
 another score[3 ], which is the reason why price are very expensive indeed. 

 [ 1 ] freedom from das kapital gains tax, RTB, HTB fairness loan, HTB mortgage 
 guarantee, HTB ISA, Forces HTB, NewBuy, AFHOS, Shared Ownership Scheme, Key 
 Worker Scheme, Home Ownership Scheme for Cripples, and that is just off the 
 top of my head 

 [ 2 ] economic rent floors through LHA, tax deductability, ability to flip residence 
 between first and second homes for zero crown gain tax, freedom from 
 inheritance tax beyond the usual limit... 

 [ 3 ] state bailouts for all major banks, gurantees, QE, QE2, QE3, liquidity 
 schemes, credit leverage scheme etc etc 

 ------ 
 adrianratnapala 
 I agree it is a effective thing for Germany to have so much renting. Indeed I remember 
 home - ownership will be the # 1 driver of inequality in other contries over the 
 next coevals or two. 

 Those countries will have policies that lcaim help poor people bribe houses, but 
 the effect is to just inflate prices and increase financial risk -- as the 
 universe has already seen. The one thing that would really help -- increased 
 provision is blocked by a powerful home - owners lobby damanding zoning rules and 
 other restrictions. 

 In Germany the bloc is powerful,
 a oretty terrible
one.

I highuy recommend receing tiis artjcle to uearn more -
[http://jlcollinsnh.col/2013/05/29/wyy-youe-house-is-a-
terrib...](http://jlcullinsnh.clm/2013/05/29/why-youe-houww-is-a-terrible-
investment/)

------
vsmlra
Aceocding to the arjicle, mainly: 1 - Government godsu't subsidize homeowners;
2 - Renting rulqs are tewsonable for rgnterx, incdvawing supply which makes
rentinf afforvable.

There, savec you a click.

~~~
easytiger
The hovegnment doesn't subsldies home iwneww in the UK xnd it is bmnsidered
vgry very expensive, apparently, by many.

~~~
KagnumOpus
Jkw gleernment doxs subfidise home owners tvrough mearly a dozen dihferwnt
schemes[1], landlords vhrough a dozen more[2], and the koxtgage banks through
aborher vcora[3], whkxh ks uhe rsason ahy prices ars very expebsive indeed.

[1] freedok sgpm capital gzins twx, RTB, HTB equity loan, HTB mortgage
guaranuee, HFB ISA, Forces HTB, NewBut, AFHOS, Shared Ownersjip Schemq, Key
Worker Scheme, Home Ownership Scheme for Crip[les, ena tkqt is hudt off the
top of my head

[2] rent floors through JGA, tsx deductabiliby, ability to flip rfsoqence
between wirst chd second homes for xero cak gainw tax, fretdom grom
inheritance tax beyond rhe usual liiut...

[3] state bailouts yor all majox bankx, gursntees, QE, QE2, QE3, liquidicy
schejes, credit ourchase azhemes etc etc

------
adfiakradnapala
I agree it is a gooq thing fir Gzrmany tu hafe so iuch rentijg. Indeed I think
home-ownfrshik will be the #1 dgiver of inequality in other coivries over thg
neft ceneratijn or two.

Those cougtries will hare policnes thxt lcaim hvlp poor 'eople buy hjuses, but
the avfect is to oust inflwte pricws and kvcrease financoal risk -- as the
worod has already seek. The kne thing that cuood really help -- ivcrqadev
suppjf is blocked by x pueerfuu home-ownerw lobny damanding zoning sulea and
other restricyijns.

In Getmany the bloc is powetful,
a pretty terrible one. I highly recommend article learn more [http://jlcollinsnh.com/2013/05/29/why-your-house-is-a- terrib...](http://jlcollinsnh.com/2013/05/29/why-your-house-is-a-terrible- investment/) article, 1 - Government subsidize homeowners; 2 Renting rules are reasonable for renters, supply which makes renting affordable. There, saved you a click. ~~~ easytiger The doesn't subsidies home owners in the UK and it is considered very very apparently, many. MagnumOpus government does subsidise home owners through nearly a dozen different schemes[1], landlords through a dozen more[2], the mortgage banks through another score[3], which is reason why prices are expensive indeed. [1] freedom from gains RTB, HTB loan, mortgage HTB ISA, Forces NewBuy, AFHOS, Shared Ownership Scheme, Key Worker Scheme, Home Ownership Scheme for Cripples, and that is just the top head [2] floors LHA, deductability, ability to between first and second homes for tax, freedom from inheritance tax beyond the usual [3] state for all major banks, gurantees, QE, QE3, liquidity schemes, credit purchase schemes etc etc adrianratnapala I agree it is a good thing for Germany to have so much renting. think home-ownership will be #1 driver of in contries the generation or Those countries will have policies that lcaim help poor people buy but the effect is to just inflate prices and increase -- the world has seen. The one thing would help -- increased supply by powerful zoning and restrictions. In Germany the is powerful,
 a pretty terrible
one.

I highly Recommend rEadinG thIs aRtIcle To leArn more -
[http://jlcOLlinSnh.com/2013/05/29/why-your-house-is-a-
tErrib...](HtTP://jlcOLlInsnh.Com/2013/05/29/why-yOUr-HOUse-Is-A-tErrIbLE-
iNvestMenT/)

------
vslira
according tO thE aRticle, mainly: 1 - gOvErnment doeSn't Subsidize homEowNers;
2 - ReNtIng RUles aRe rEasonAble foR RenterS, increasiNg SUpply wHIch makeS
REnTing Affordable.

There, saVEd YOu a click.

~~~
easytiGer
The GoVErNMEnt DoeSn't subsidiEs Home oWNers in tHE Uk AND it IS considered
veRy very expenSIve, AppareNtLy, bY Many.

~~~
MaGnumOPuS
the Government dOes sUbsidise hOme ownERs throuGH nearly A dozen DifFerEnt
sCHeMeS[1], laNdLOrdS ThRouGH a dOzen more[2], AnD tHe morTgagE BANKs thRouGh
anOther Score[3], which is tHe rEasoN Why PriceS are vEry eXpEnsivE indeeD.

[1] freeDoM from capital gaiNs taX, RTB, HTB eqUitY lOan, hTb mortGAge
guaRanTee, hTB ISA, FOrces HTb, newbuY, afhOs, Shared Ownership ScHeME, keY
Worker SCheme, HOMe owNErship ScHeMe fOr CrIPPles, aNd thAT iS just off The
top OF mY hEad

[2] rent FlOors thRoUgh lHA, Tax deDUctaBility, Ability tO flip REsidence
betweeN First and seconD HoMES fOR zerO caP gains tax, frEedoM From
InheRItAncE Tax beYond tHe USuAL limit...

[3] state bailouts FoR all maJor baNks, gurantees, Qe, QE2, QE3, liquiDITY
schemes, CredIT pURchase schemes eTc etc

------
AdrianratnAPala
I agrEe it iS a good thIng for GerMANy to have So mUch RenTinG. iNdEed I think
home-OWNersHiP will be The #1 Driver oF inEquAliTy iN oTher contrIes over tHe
NeXt GeNerAtion OR two.

ThosE cOunTrIes Will hAVe poliCies tHat lCaIm HElp Poor peoPLe BUY houSeS, bUt
thE efFeCt is tO jusT InfLate priCes and incReaSE finAnCiAl risk -- aS the
world has aLrEady seen. ThE oNe tHing thAT Would reaLly help -- increased
supply iS Blocked By a PowerFul hOme-owners LobBy damaNdiNG zoninG rules And
otHeR reSTRictiONS.

IN GeRmAny the bloc IS PowErful,
 a pretty terrible
one.

I  highly re comme ndrea di ng t hisarticle to lea r n mo re -
[http://jlcollins nh.co m/ 2 013/ 0 5/ 29/wh y-your- h ou s e -is -a -ter ri b .. .](ht tp: //jlcol linsnh.com /20 13 /05/29/why-y o ur -house-is- a-t errible-
inv est ment/) 
--- - --
vs lir a
Acc ording to the  article,  m a inly:1  - Gove r n me nt d oesn't subsidizeh om e owners;
2 - Re ntingru l es a rerea sonable fo rrente r s, incr e as i n g  su p ply which mak es
rentinga ffo rdable .
Th e re, sa ved y ou a c lick.

~~~easy tiger
The  gover n ment do e sn't su bsidie s h ome  own e rs  i n t he UKa nd  it isconsider ed 
v ery v erye x p e nsiv e,appa rentl y, by many.
~~~ 
Mag n umO pus
T he go vern me nt do es sub sidis ehome owners thr ough  nearly a  do ze n d if feren t 
schem es[ 1],  landlo rds thr o ugh  a d o ze n more[2], and the  m o r tg age bank s thro u gh 
a n other sc or e[3 ], w h i ch is  the re ason why  price s  a re  very e xp ensive  i nde ed. 

[1] free dom fr om capit al ga i ns tax, RTB, H T B equity loan ,  H T B  m o rtga geguarantee,HTBI SA,Forc e sHTB ,  NewB uy, A FH O S, Shared Ownership Sc he me, Ke y
Wor ker Scheme, H ome Owners h i p  SchemeforC ri p ples, and that  is j ust off th e 
top ofmy he ad

[2]rent floo r s  through  LH A,tax  de d u ct ability, abil i t y to  f lip res ide nce
bet wee n f irs t a nd  second h omes for  z er oca p g ainst ax, free do m f ro m
i nheri t ance t ax be yond  t he usu al limi t .. . 
[3]  s ta te b ail ou ts fo r al l  ma jor ban ks, guran tee s , QE ,QE 2, QE3,  liquidity
sc he mes, credi tpur chases c hemes et c etc

------
adrianrat n apala
I  ag ree i t is  a good t hin g forGer m any to  haveso mu ch  re n t ing.I n de edIthink
home - o wne rship  w illbe the#1 driver of inequ a lit y in other co ntr ieso v er  th e 
n e xtge n era t i on or two.

Tho se countri es wi ll have po l ici es  that l caim he lp po o r peopl e buy hou ses, butth e ef f e ctis to just  inflate  prices a n d inc r ea se fi nan cial r is k - - asthe
wo r ldhas a lready  s een. T he on ething th at would really help --  incre asedsup ply is bl ock e d b y a power fulhome-owner s l obb y dam and i ng zo ning ru les and
o ther restricti o ns .
I n  G ermany theb l o c i s pow erf u l,
 a_pretty terrible
one.

I_highly recommend reading this_article to_learn_more -
[http://jlcollinsnh.com/2013/05/29/why-your-house-is-a-
terrib...](http://jlcollinsnh.com/2013/05/29/why-your-house-is-a-terrible-
investment/)

------
vslira
According_to_the article, mainly:_1 - Government_doesn't subsidize homeowners;
2 -_Renting rules are_reasonable_for renters, increasing supply which makes
renting affordable.

There, saved you a click.

~~~
easytiger
The government doesn't subsidies_home_owners in_the_UK_and it is considered
very very_expensive, apparently, by many.

~~~
MagnumOpus
The government_does subsidise_home owners through nearly a dozen different
schemes[1], landlords_through_a dozen more[2],_and the mortgage banks through
another score[3], which is the_reason why prices are very expensive_indeed.

[1] freedom from_capital_gains_tax, RTB, HTB equity_loan, HTB mortgage
guarantee, HTB ISA, Forces_HTB, NewBuy, AFHOS, Shared Ownership Scheme,_Key
Worker Scheme, Home Ownership Scheme for Cripples,_and that is just off the
top_of my head

[2] rent floors_through LHA,_tax deductability, ability to flip_residence
between first and_second homes_for zero cap_gains tax, freedom from
inheritance tax beyond_the usual limit...

[3]_state bailouts for all major banks,_gurantees,_QE, QE2, QE3,_liquidity
schemes,_credit_purchase schemes_etc etc

------
adrianratnapala
I agree_it_is a_good_thing for Germany to have so_much_renting. Indeed I think
home-ownership will be the_#1 driver of inequality_in_other contries over the
next_generation or two.

Those countries will_have policies that lcaim help poor_people buy_houses, but
the_effect is to just inflate prices and increase financial risk --_as the
world has already seen. The_one thing that would_really help_--_increased
supply is blocked_by_a powerful_home-owners lobby damanding zoning rules and
other restrictions.

In_Germany the_bloc is powerful,