The Democratic Link - Community Land Trust, Fourth option for housing

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Community Land Trust, Fourth option for housing
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Community Land Trust, Fourth option for housing

We have owner occupier, rented and shared ownership. If you pay a rent, it never ends. Shared ownership means one can buy up to 80% of the property, which can be sold on the open market, this means it is not affordable for the next generation.

For a number of years it would appear that people believe house values are the only thing that matters; and they must keep going up. Most people know this can’t happen, but somehow all government bodies delay the fall, well, now it has happened.

We have huge individual debts, family breakdown, crime and mental depression in our communities, businesses have closed down to become brown field sites creating more job losses. We should be addressing these issues before they begin.

Whilst it is important to have ones own space, people do need the company of others and a revised layout and design is needed. This would mean all development land could be passed over to a community trust and a rental would be paid to the owners. Income from agricultural land at this time would be about £500 an acre. If one doubled this to £1000 an acre it would not be unreasonable or the possibility of paying 25 years up front. The trust would oversee development. Developers would be instructed to build houses for around £80,000. These would be sold at cost, plus ground rent, to the people with a priority need in the district, with a restriction that one may only sell back to the trust.

We are not suggesting every new development will be community based. Individual homes could be built under the fourth option.

Let’s build a peoples palace.

Election 1995, has anything changed?

These two designs could be used for older people’s living facilities and include community garden etc.

This middle design could have a green garden on each tier and could house a number of families under one roof. They would include a library, café, place of worship, crèche, sports facilities etc. Three fifths of the land would be open space.

This design could be use as supported accommodation for young people leaving care, Multiple Sclerosis, Alzheimer’s etc.

Children’s centres and a junior school could be included in large developments.

Advantages of this new system

1) A cheaper housing system would mean those with a high level of debt (estimated 15 million people) could sell their property and buy at a lower rate giving them some spare capital.

2) A possibility of a lower divorce rate because couples would have more money left after the monthly mortgage has been paid.

3) People could save for retirement easier, because the house could be paid for earlier and create a family savings plan.

4) A four day working week for the over 50s and a 3 day week for the over 60s, not work to the age of 70.

5) Affordable rest homes could be more available. Save state benefits.

6) Save heating, with solar panels (a smaller number of outside walls to save heat)

7) Work places on site and saving carbon dioxide, make computer rooms available for people to work from home.

8) Collection and recycling facilities

9) Lowest community charge

10) Low agents fee

11) Affordable industrial units could be included.

12) Mothers wouldn’t have to go to work full time

13) Have more money to buy consumer goods

14) Would be spaced to create community gardens.

This is another of a number of designs that could be created for a community life, whilst still maintaining ones independence, keeping the surrounding area as open space.