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| hoco:housing_commons [2025/12/05 18:27] – [Environment] asimong | hoco:housing_commons [2025/12/10 09:57] (current) – dave |
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| ### The financial model | ### The financial model |
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| It might be good to read the ‘[use-credit obligatio](/ucos/Use-credit_obligations)[ns (UCOs)](/ucos/Use-credit_obligations)’ introduction, after which the housing commons idea should be much clearer, as UCOs are the basis for the proposed financial model. | It might be good to read the ‘[use-credit obligations (UCOs)](/ucos/Use-credit_obligations)’ introduction, after which the housing commons idea should be much clearer, as UCOs are the basis for the proposed financial model. |
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| Rent-credit obligations (RCOs) are UCOs for housing – ‘rent vouchers’, if you like – issued by the local housing commons group for use as rent in one of their properties. A house is purchased by a local housing commons group with cash, provided by investors, who in return are given 25 years’ worth of discounted RCOs for the property. | Rent-credit obligations (RCOs) are UCOs for housing – ‘rent vouchers’, if you like – issued by the local housing commons group for use as rent in one of their properties. A house is purchased by a local housing commons group with cash, provided by investors, who in return are given 25 years’ worth of discounted RCOs for the property. |
| ## Further resources | ## Further resources |
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| | - [Why a house is a terrible investment](https://jlcollinsnh.com/2023/03/02/why-your-house-is-a-terrible-investment/) |
| | - [Housing commons in Stroud](https://stroudcommons.org/housing-commons/) |
| | - [Hastings Commons](https://hastingscommons.com/) - commoning housing in Hastings |
| | - [International Journal of the Commons](https://thecommonsjournal.org/articles/10.5334/ijc.1490) - housing commons? a scoping review |
| | - [Resilience](https://www.resilience.org/stories/2024-08-23/solving-the-housing-crisis-via-the-commons/) - solving the housing crisis via the commons |
| | - [Housing as commons: Sites of struggle and possibility](https://journals.openedition.org/cidades/9342) |
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| ## Specialist(s) | |
| | ## Specialists |
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