hoco:housing_commons

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hoco:housing_commons [2025/12/05 10:15] – created - external edit 127.0.0.1hoco:housing_commons [2025/12/10 09:57] (current) – dave
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 ### The financial model ### The financial model
  
-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.
  
 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.
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 </figure> </figure>
 </WRAP> </WRAP>
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 ### Environment ### Environment
  
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 - Assets (housing and cash) are transferred into the commons, to help build a commons economy. There’s been a lot of talk about building the commons, but it hasn’t taken off in a way that can challenge capitalism. This model could change that, because it’s not based on debt and it doesn’t require altruism. - Assets (housing and cash) are transferred into the commons, to help build a commons economy. There’s been a lot of talk about building the commons, but it hasn’t taken off in a way that can challenge capitalism. This model could change that, because it’s not based on debt and it doesn’t require altruism.
  
-- Commons housing will never be sold again. [Building societies](/buil/building_societies) were demutualised and ‘carpet-bagged’ – members voted to remove the legal asset lock that prevented them from being sold, in order to receive a one-off payment. This can happen with co-ops too. As it grows, the housing commons will be holding a lot of very valuable assets, with no debt, so will be an obvious target for predatory capitalists, with clever lawyers trying to get round the asset locks. But this model, with the Housing Commons Society acting as custodian, is designed to prevent this.+- Commons housing will never be sold again. [[bsoc:Building societies]] were demutualised and ‘carpet-bagged’ – members voted to remove the legal asset lock that prevented them from being sold, in order to receive a one-off payment. This can happen with co-ops too. As it grows, the housing commons will be holding a lot of very valuable assets, with no debt, so will be an obvious target for predatory capitalists, with clever lawyers trying to get round the asset locks. But this model, with the Housing Commons Society acting as custodian, is designed to prevent this.
  
 - The state won’t be able to close down the housing commons as it did housing co-ops – by withdrawing funding – because the housing commons won’t rely on state funding. - The state won’t be able to close down the housing commons as it did housing co-ops – by withdrawing funding – because the housing commons won’t rely on state funding.
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 ## Further resources ## Further resources
 +
 +- [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)
  
  
  
-## Specialist(s)+## Specialists
  
  
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