Buying vs Building (New vs. Second Hand)
A second-hand car is
not a new car.
A second-hand house is not a new house. Can
a second-hand house be a better choice than choosing to own a new house
designed for your own wishes?
Why do people favour buying a house
than building?
Building a new house is cheaper. It can be an
enjoyable lifetime Experience. The smell of freshness will give you a nice
nostalgia one day.
An existing house can have unexpected surprises!
Plan your new house. Think
about exterior and interior or you can only
think about your needs: Types of Rooms, Spaces, and Garden Style. It is good to
ask some people too about their experiences. Designers can give good advice. Employ
a designer and magic will happen.
Consider security, fire safety, fire escape, light control, and noise control.
Consider security, fire safety, fire escape, light control, and noise control.
What you have written down is the brief
with which you demand a
designer to design a new house for you.
Find a new land or a land with an old house only
good for demolition.
Some hard work and stress are
an investment good
to talk about to your grand children.
If
you have an opportunity to build, just build.
What A Designer Should Do?
- Design is not merely about complying with the rules and regulation but also understanding the designs for the best interests of all parties...
- When a designer can design with good intention, strong patience, necessary experiences, and generosity efficiently, he can design something good. The designer must be given reasonable condition, budget and time.
- A good designer can put the environments, users, functions and budget together.
- A good designer is always bending toward making good designs.
- Some good designs were over budget (historically). A designer may (and should) produce a cool design first only not to be extreme. The owner may reject such and such to achieve an agreeable state.
- Rejecting good design is for bad design.
- Building a family home is not building Sydney Opera House. Owners are no fool. However, they should be able to compare good design and bad design. They should know they can afford good design because it's not more expensive anyway.
- Enough spending is necessary but Good design isn't always expensive. But the designer must produce an ideal design within the budget.
- When owners (family members for example) get involved with enthusiasm, it is best for the designer to realize their needs and demands. When the owners help the designer, it is for mutual success.
- A designer should encourage the owner to help him. The process of producing a good design outcome is not one-sided activity.
- The best part of the design outcome is the smile of the owners. Owners should smile.
- Producing Environmentally Sustainable Design is never expensive because it makes sense with long-term welfare. Using locally produced materials reduces cost.
- A good designer knows the tastes of good living – not as a luxurious lifestyle although this is a part of taste. The look (although essential) of a house and lots of expensive things don't automatically make good taste.
- Good taste makes good design. People have to feel good in which they live or work. The owners should inform the designer what make good taste for them.
- Me don’t mind to earn only a little. But would like to work for a long time for good designs.
- Health (ergonomic consideration) is a main part of good design.
Housing for all – a fair go
Government should have a program to solve housing crisis. A
best way is to invest in housing annually to grant a loan package to those who
can afford it. This loan package will not hurt the economy in general. This
loan will only solve the existing long-term problem of affordable housing
crisis. Currently people who cannot afford are not affording and contributing
to the economy. If they get affordable means, they will contribute to the
economy.
Loan conditions
The loan package is up to
$500,000 to all Australians who hold non-dual citizenship, with regular income.
They must be who cannot afford to buy the house at once. The government will
co-own that house.
An Australian who holds dual
citizenship must give up the foreign citizenship to get the loan. The owner may
take dual citizenship again after paying back the loan.
Interest will always stay at the
same rate of 2%, adjusted with inflection rate. If the loan is $200,000, it
might become $250,000 at the end of mortgage period. Then the owner will pay
$250,000, plus the interest.
Owner’s conditions
If someone can prove:
She or he cannot afford the house
without this loan,
She or he has the proven income and
it is the only means to pay back,
She or he must have the means to
pay the mortgage for 3 years minimum to get the loan.
The owner must build a new house
to get the loan.
The owner may buy the house with
government regulations, inspection, and approval.
The owner can build a new house
independently with a desired design designed by a designer and built by a
builder if it is single dwelling.
The owner may buy an apartment or
a flat with government regulations, inspection, and approval.
The size of loan is only the
actual value of the house; if the house is, for example, $200,000, then the
loan is only $200,000.
The owner may pay the whole loan
back anytime, plus total interest amount of ten years.
Government conditions
During the phase of 3-year
period, the owner must not leave, sell, or rent the house to anyone.
After the 3-year period, the
owner may move and sell, but not rent the house.
Mortgage rate is to be not less
than 5% of the loan P/A. The owner may choose the desired amount any time she
or he wants to pay.
Leaving and selling the house
After 3-year period, owner may
move or sell the house.
The owner may make profit.
The owner must pay a whole amount
of loan, with applied conditions as stated above, or may keep paying the
mortgage after moving or selling.
The owner may move to another
house co-owned by the government.
Two owners may swap their houses
and mortgages.
Investors and fund
The government can allow the investors who agree above
permanent rules of the program. Banks, foreign investors, Australian investors
and individual investors may invest as much as they want. No fixed return – it
depends on the number of borrowers and the amount of loans they borrowed – the
investors will share the profit annually. The government is always the main
investor. The government must prioritise the investors that government will
replace its investment money with investors’ shares. If there are no investors,
the government will be the lone investor.
Benefit of this program
Businesses in no pressure will serve the people better.
Long-term investment with regular return can profitable.
The program will stabilize the economy by stabilizing the housing
shortage.
The program will take the pressure away from public housing
sector of the government.
The program will benefit the public in the following ways:
The retiring workforce will have home.
New generation will have own home.
The cost of living and commodity will fall while the
standard of living rises.
The invested money will remain the same to benefit
generation after generation.
The government will have to add some funding in regular
basic to cope with growing population; however, existing houses left by the
elderly people will reduce the pressure. However, such funding will be smaller
than the fund needed for the current housing spending.
Politics
Political leaders might find it is hard to implement a
solution for political reasons. They may have to choose between actual solution
and political ideology, such as - capitalism, market economy, etc. with the
need to avoid sounding like their own opponents. When the opposition gets the
office, they might find the solution being in conflict with other agendas.
Instead of pragmatic approach to problems, political leaders can have a hard
time making agreement within a party. The people who elected them can be the
last problems in their mind who they should attend when another election is
approaching.
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