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naraburns  nihil supernum  1yr ago (text post)   32334 thread views

Culture War Roundup for the week of January 2, 2023

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I believe the silent killer of conservatism is young people not moving out of their parents’ homes.

Is that actually happening to the extent that it makes much difference?

I know Finland is a bit of an exception, with almost everyone moving out on their own around the age of 20, but AFAIK there hasn't been any meaningful change in that in recent years.

In Poland... some excerpts from a random article

According to Eurostat data, 47.5 percent of Poles aged 25-34 live in family homes. "That's almost 2.6 million people, 172,000 more than in 2019." - HRE Investments expert Bartosz Turek pointed out.

The issue does not primarily affect students. (...) in the last year the percentage of adult Poles who lived with their parents rose most sharply in the 30 to 35 age bracket. "The data confirms the impact of home loans becoming much more difficult to obtain in 2020"

The situation worsened in 2021. "We saw a dynamic recovery of the economy and the loosening of valves on housing loans. As a result, banks received at least tens of thousands of loan applications, which would normally have been realized in the first year of the epidemic." However, the massive increase in demand contributed to increases in housing prices, making real estate unaffordable for many young people.

(...) in the last year the percentage of adult Poles who lived with their parents rose most sharply in the 30 to 35 age bracket. "The data confirms the impact of home loans becoming much more difficult to obtain in 2020"

The situation worsened in 2021. "We saw a dynamic recovery of the economy and the loosening of valves on housing loans. As a result, banks received at least tens of thousands of loan applications, which would normally have been realized in the first year of the epidemic." However, the massive increase in demand contributed to increases in housing prices, making real estate unaffordable for many young people.

However, he pointed out, the massive increase in demand contributed to increases in housing prices, making real estate unaffordable for many young people.

According to Turk, the situation could be improved by the government's credit guarantee program for homebuyers - the so-called no-down-payment loan program, which is due to take effect in six months. "The reason is simple - no-down-payment loans can shorten the path to one's own apartment by as much as several years. After all, that's how much time the young need to collect the necessary contribution to the loan."

Big lol at some real estate investment firm's representative praising government for ~subsidizing housing*. That will surely not increase demand (and prices) further.

* it's not just no-downpayment. They also make the loans have 2% interest for the first 10 years (by paying the difference).

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