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[Finance] 40 year mortgages







Triggaaar

Well-known member
Oct 24, 2005
53,621
Goldstone
The alternative is to seperate out the architecture from the build and get something more interesting....obviously this costs.

That's not workable. Design houses that are too expensive to build and no one will build them.


But what's the true cost of a miserable looking building to live in?

I agree that we shouldn't be building shit houses, but the onus is on buyers to not buy them. Buy used instead of paying a premium for something new and shit. Whenever I've looked at new builds I've felt there's been much better value used (that's obviously not to say there aren't exceptions).
 




cjd

Well-known member
Jun 22, 2006
6,322
La Rochelle
Germany being bottom doesn’t surprise me. Switzerland’s low ownership does though. I wonder what the reason is.
I,m not 100% sure why it is so low in ownership in Switzerland, but having been there at least a dozen times. you rarely meet any born and bred Swiss.

A lot of people go there to work,because the salaries are often very high. They earn their money and return eventually to their own countries.

Just about everything is eye-wateringly expensive there....particularly food.
 


chip

Well-known member
Jul 7, 2003
1,336
Glorious Goodwood
Denmark has an interesting co-operative housing scheme. You don't own the house, rather a share in the co-op society and the right to live in one of its properties. It's not cheap to buy into and there is a monthly rental charge (relatively low compared to shared-ownership here) but it does appreciate and can be sold when moving or inheritted/gifted. I think quite a bit of central Copenhagen housing is co-operative and hence you get normal Danes in the city centre.
 




dazzer6666

Well-known member
NSC Patron
Mar 27, 2013
56,054
Burgess Hill
I,m not 100% sure why it is so low in ownership in Switzerland, but having been there at least a dozen times. you rarely meet any born and bred Swiss.

A lot of people go there to work,because the salaries are often very high. They earn their money and return eventually to their own countries.

Just about everything is eye-wateringly expensive there....particularly food.
It's a combination of reasons....good explanation here. I worked there a lot and it was often a topic of conversation

 


Triggaaar

Well-known member
Oct 24, 2005
53,621
Goldstone
Denmark has an interesting co-operative housing scheme. You don't own the house, rather a share in the co-op society and the right to live in one of its properties. It's not cheap to buy into and there is a monthly rental charge (relatively low compared to shared-ownership here) but it does appreciate and can be sold when moving or inheritted/gifted. I think quite a bit of central Copenhagen housing is co-operative and hence you get normal Danes in the city centre.

There are normal Danes?
 


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