Independent: Housing crisis - the figures

Tony Gosling tony at cultureshop.org.uk
Sun May 20 14:28:05 BST 2012 

please see this in the context of this little bit of research
figures missing from the otherwise excellent Independent article

Our homes should cost £1.00 a week
(that email copied at the bottom)
http://groups.yahoo.com/group/Diggers350/message/1928



Fact File: The Housing Crisis

Friday 18 May 2012 - Independent
http://www.independent.co.uk/news/factfiles/fact-file-the-housing-crisis-7746261.html
A Labour council’s attempts to rehouse 500 of 
Newham’s poorest families as far afield as 
Stoke-on-Trent has highlighted Britain's shortage 
of affordable housing, which housing associations 
warn will soon reach crisis-point.
Social housing stock has declined from 5.5 
million homes in 1980/81 to 3.8 million homes in 
2010/11 according to Government figures. The 
recession has seen waiting lists grow, house 
prices forecasted to rise and private sector 
rents also rising, against seasonal trends.
Housing associations and charities have argued 
that the housing benefit cap exacerbates the 
problem, resulting in an urban gentrification 
tantamount to social cleansing. Housing Minister 
Grant Shapps has countered with accusations of 
political game-playing and confirmed the 
Government’s commitment to build 170,000 affordable new homes by 2015.
Other initiatives include help for first-time 
buyers and promoting house boats. But with 1.7 
million households currently on council waiting lists, will this be enough?

The Numbers
£7bn – Annual cost of poor housing borne by the 
NHS, the education system and social services. Source: The Pro-housing Alliance
35 – Average age of first-time buyers in the UK. 
Sources: Property Wire, Post Office Mortgages
77.3% - Real term decrease in government spending 
on housing between 1980/81 and 2000/01. Source: The Pro-housing Alliance
1 in 12 – Proportion of the UK currently on 
waiting lists for social housing. Source: The Pro-housing Alliance
62,000 – Number of homeless families in 2009/10. Source: Shelter

Further Reading
I Can Afford to Pay the Rent: Most People Can’t 
Owen Jones, the Independent, 2012
English Housing Survey, Headline Report 2010-11, 
Department for Communities and Local Government, 2011
Recommendations for the Reform of UK Housing 
Policy, The Pro-housing Alliance, 2011
Why We Campaign: The Housing Crisis, Shelter, 2011
First-time buyers: Life begins at 40, Kunal Dutta, the Independent, 2011

Timeline
1919 – Concern over the poor physical health of 
WWI recruits leads Lloyd George’s government to 
launch the 'Homes Fit For Heroes' campaign, 
requiring councils to provide housing.
1945-1951 – Clement Attlee’s post-war government 
builds over a million homes, mostly council properties.
1980-1998 – Approximately 2 million council homes 
are sold off, following the success of Thatcher’s 'Right-to-Buy' scheme.
2008 – The financial crisis leads to an increase 
in the mortgage deposits demanded by banks. With 
social housing stock depleted, many are trapped in costly rented accommodation.
http://www.independent.co.uk/news/factfiles/fact-file-the-housing-crisis-7746261.html
#
Cameron backs plan to make rack rents the norm & 
evict higher earners from social housing
http://www.guardian.co.uk/society/2012/may/19/social-housing-income-cap-shapps
Fears 'pay-to-stay' scheme will drive thousands 
out of housing association and council properties
Patrick Wintour, political editor - The Guardian, Saturday 19 May 2012
The government is introducing measures that could 
drive thousands of families out of social housing 
by removing any subsidy for their rent.
In what is being billed as a "pay to stay" 
scheme, Downing Street has swung behind plans to 
introduce a new household income threshold above 
which social tenants must pay full market rent. 
The government is expected to say that rent 
subsidy will be capped at a household income of 
£60,000, meaning, for example, a couple on 
£30,000 each could see their rent rise by about £70 a week.
The scheme, applicable to all housing association 
and council properties, is explicitly designed to 
make social housing primarily available to the poor.
The housing minister, Grant Shapps, has referred 
to the idea before, but Downing Street's embrace 
of the proposal means it will now go ahead with a 
consultation paper next month.
The government says it is necessary to remove an 
unfairness in the system and to allocate scarce 
housing resources more efficiently. Critics will 
say the scheme will give wealthier families an 
incentive to buy their property at discounted 
rates, removing social housing from the market.
The government has been accused of driving some 
poor tenants from properties in wealthier 
inner-city areas by introducing a higher rent, 
set at 80% of the market rent. It has also 
introduced a so-called spare room tax, so that 
under-occupying social tenants of working age are 
docked £14 a week for one spare bedroom and £25 a 
week for two. No tenant will receive more than 
£500 a week in welfare payments, a measure that 
will affect larger families on housing benefit.
The welfare cap is, in polling terms, one of the 
most popular policies the government has 
introduced, and the new £60,000 household income 
cap for social housing tenants is likely to win equally wide support.
A No 10 source linked the two measures, saying: 
"It's not right that high earners benefit from 
taxpayer-funded housing subsidy. Just as we have 
introduced a cap on housing benefit and welfare 
payments to make the system fairer, now we're acting on social housing too."
Government sources added that social housing 
should be regarded as a precious asset to be 
devoted to those most in need, not a cheap option 
for those who can afford competitive rents or their own property.
The government consultation, due to be launched 
next month by Shapps, will suggest a range of 
options for the threshold, with the lowest at £60,000.
Ministers have been looking at a range of 
proposals to make social housing more flexible, 
including the removal of so-called lifetime 
tenancies, replacing them with fixed-term 
tenancies. Social housing tenants can also no 
longer pass their homes to their children.
Government research shows that as many as 6,000 
social rented homes in England are lived in by 
people who earn a combined income of more than 
£100,000, including Bob Crow, leader of the RMT 
union. At the proposed £60,000 threshold, 
ministers estimate as many as 34,000 social 
rented homes in England alone would be affected.
It is being stressed that no one would be evicted 
from their home, simply that they would have to pay higher rents.
The government claims the economic subsidy 
provided by sub-market rents for social housing 
is worth £3,600 a year on average, or £69 a week.
The total cost of this annual subsidy for those 
above the £60,000 threshold is £122.4m, and the 
annual subsidy for a £100,000 threshold is £21.6m.
Social rents are set on the basis of a formula 
linked to size of the property, its value and local earnings.
Labour has always argued that social housing 
should be for a mix of tenants and not seen as 
the preserve of the poor. The Liberal Democrats 
have curbed some government housing reforms, but 
could arguably support the measure as a 
legitimate restriction on middle-class welfare.
However, social housing has been increasingly 
taken up as an option by young professionals 
unable to afford to own their own home. The cost 
of the cheapest quarter of homes is now more than 
six times average household income and eight times in London.
The overall social housing budget was cut by more 
than 50% in the 2010 spending review, to £4.4bn, 
and the number of people on council waiting lists 
is now 1.8m, an 80% increase in the last decade.
In a report this week, Shelter, the Chartered 
Institute of Housing and the National Housing 
Federation said the government was failing on 
five of its 10 key indicators: affordability of 
the private rented sector, help with housing 
costs, homelessness, housing supply and overcrowding.



and on a related theme

Queen’s cousin received $500k from exiled Russian tycoon Berezovsky
Freemason Grand Master gets $500k from exiled Russian crook Berezovsky
http://rt.com/news/berezovsky-funds-queens-cousin-155/

Von Clausewitz, List, the Bormann Capital Network and the Subjugation of Europe
Posted by Dave Emory · February 23, 2012
COMMENT: To  come to understand what is taking 
place in Europe, it is essential to understand 
the military philosophy of Prussian military 
theo­retician Karl von Clausewitz. In All 
Honorable Men, James Stewart Martin highlighted 
an important aspect of von Clausewitz’s 
philosophy, that war and diplomacy are two sides 
of the same coin. When diplomacy is no longer 
effective, the policy goal is pursued through the 
use of armed force. When war and military power 
have reached the limits of their effective­ness, 
diplomacy continues the pursuit of the goal.
http://spitfirelist.com/news/von-clausewitz-list-the-bormann-capital-network-and-the-subjugation-of-europe/











Our homes should cost £1.00 a week

To give an example of how corrupt banking, taxes, 
usury (the charging of interest on money) 
actually is, here’s a simplified look at how much our homes should cost.

3 bricklayers working 40 hours a week for 3 weeks 
= (360) man hours to build in brick and block a 6 
bed roomed house. Carpentry first and second fix, 
2 men working 40 hours a week for 3 week = (240) 
man hours. As its new build, plumbing and 
electrics 4 men working one week 40 hours = (160) 
man hours. Roof tiles felt and lath 2 men working 
an 8 hour day working for 2 days = (32) man 
hours. Put a good slate roof on and it will last 
200 years. Many homes (buildings) last for 
hundreds of years if built with care and quality 
materials and skilled workers.

360
240
160
032

That’s 792 man hours of labour, 19 weeks at 40 hours for the actual building.

So applying the same principles to building 
materials, with modern technology used 
diligently, for simplicity sake 708 hours

708 hours plus 792 hours.
1500 man hours total to build a 6 bed roomed house.


£10.00 per hour as an example to keep it simple 
and easier to understand. But really it’s about 
the amount of work we put into the community. And 
how usury devalues our spending power, of 
whatever currency, paper, metal, credit (numbers 
on a computer screen, your bank account) it is applied to.

If you needed to borrow money say £15,000 (the 
total in this case) as you pay no interest 
(usury) you pay back just the £15,000 if you do 
that over 50 years. = >6 pounds a week. Or even 
better pay, one pound a week to start, gradually 
pay more as you get you new work of the ground 
then after 25 years start to decrease the 
payments back so as to meet the original sum.
If after 50 years you can’t repay any remaining 
money back due to unforeseen circumstances and 
I’m sure you should get some help from your 
family and local community and there would not be 
much to pay back at that point in time, because 
we should have shared our work and wealth. In 
fact with the help of our family, friends and 
local community this would not be difficult at 
any time. And never the less All Debts Forgiven.

Some might say that its 6 pounds a week and not 
one pound. But remember that these homes can last 
many generations for only (1500 man hours)
---------------------------------------------------------------------- 
--------------------------------------------
Example:
Six bed roomed detached house in surrey built in 
the 1970’s on a small! plot in suburbia.
http://www.findaproperty.com/displayprop.aspx?edid=00&salerent=0&pid=6 52320
(Probably an expired link now as it was written in 2007)

£899,950

2007 bank rate rise to 5.5%.This can change any time the bank decides.

http://www.thisismoney.co.uk/mortgages/article.html?in_article_id=4201 
99&in_page_id=8


Loan repayment calculator
MONTHLY PAYMENT This calculator shows what your 
monthly payments would be for a given loan, where 
interest is compounded monthly. Payment protection insurance is excluded.

http://img.thisismoney.co.uk/calculators/calcLoanPay.html
Amount borrowed
e.g. 5000, no commas
Term Months Years 50 years
Interest rate % 5.5%
(Actual interest rate & not the APR) %
RESULT Calculate
Total monthly payment £ 4408.36 < £ 1000.0 per 
week (more than one thousand per week)
Total charge for credit £ 1745068.6
Total repayment £ 2645018.6

£2 million 6 hundred and 45 thousand, 18 pounds 6p
For something (your home and shelter) 6 men could 
build in 3 weeks and six men in 3 weeks make the materials.

How Much Can I Borrow? 
http://www.mortgagesorter.co.uk/mortgages_amount_you_can_borrow.html
Please fill in the following details so we can 
calculate the mortgage loan value you should be able to borrow:
Annual Income of Applicant
Enter any amount in '000s
£ 260,000 thousand per year or £125 pounds per hour based on a 40 hour week
Annual bonus/commission of Applicant
Enter any amount in '000s OR leave blank
£

You are entitled to borrow up to £ 910,000

----------------------------------------------------
Example only:
Monitoring poverty and social exclusion in Wales 
2007Where once child poverty in Wales exceeded 
the UK average,.... At all ages, at least a third 
of part-time employees are paid less than £6.50 per hour. ...
http://www.jrf.org.uk/Knowledge/findings/socialpolicy/2096.asp

In the UK it would need at the moment (2007)Ten 
average earners to get together and work about 
25/30 years of there life to achieve the same.
1500 hours as opposed to 500000 hours. 333.3r 
times more. In this case as far as housing goes and “this example only".

We work 333 days and benefit 1 DAY.

Also we pay Tax, income tax V.A.T. and many more 
various taxes. So for “example only” if we pay about 50% in taxes.
(And we continue to pay these various taxes when 
we think we own our homes after the mortgage has been paid off)

We are working 666 days and only benefit 1 DAY.

Allowing for weekends and so called holidays 222 days worked per year that’s
Three years to benefit ONE day.
Very large scale corrupt slight of hand 
extortion, maintained by the “benefits system” 
enough to fool most of the people and just enough 
to get by on for most people (for now)

Titles purposely designed to deceive.
National Economy - a national economy in the 
western world is totally wasteful; where most 
products are consumed and thrown away as quickly 
as possible and are actually manufactured to be 
waste within a very short space of time; so a 
National Economy is the opposite of its definition.

Deuteronomy:
23:19 Thou shalt not lend upon usury to thy 
brother; usury of money, usury of victuals, usury 
of any thing that is lent upon usury:

FREE LAND AT NO COST. Also with Torah LAW, land 
should be shared out and not owned.
--
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"The maintenance of secrets acts like a psychic 
poison which alienates the possessor from the community" Carl Jung
<https://217.72.179.7/members/www.bilderberg.org/phpBB2/>https://217.72.179.7/members/www.bilderberg.org/phpBB2/

Fear not therefore: for there is nothing covered 
that shall not be revealed; and nothing hid that 
shall not be made known. What I tell you in 
darkness, that speak ye in the light and what ye 
hear in the ear, that preach ye upon the housetops. Matthew 10:26-27

Die Pride and Envie; Flesh, take the poor's advice.
Covetousnesse be gon: Come, Truth and Love arise.
Patience take the Crown; throw Anger out of dores:
Cast out Hypocrisie and Lust, which follows whores:
Then England sit in rest; Thy sorrows will have end;
Thy Sons will live in peace, and each will be a friend.
http://tinyurl.com/6ct7zh6  
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