View Poll Results: Is home ownership a 'right' or a 'privilege'?

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  • Right

    8 21.05%
  • Privilege

    22 57.89%
  • Unsure

    8 21.05%
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Thread: Is home ownership a 'right' or a 'privilege'?

  1. #21
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    Re: Is home ownership a 'right' or a 'privilege'?

    You forgot the option, "Enormous sinkhole of time and money that is generally a tremendous pain in the ass".

    Seriously though, whether or not it's a right depends on what you mean.

    In the sense that I believe that anyone who is financially qualified to buy a home should be able to buy whatever home they can afford regardless of race, religion, age, gender, sexual orientation, marital status & etc... then I guess yes, in a sense, it's a right.

    In respect to whether or not everyone is entitled to own a house by simple virtue of the fact that they exist and the implied obligation of society to provide them with that house in the event that they're unable to afford it, no, nobody has that right.

    I can also see where home ownership is a privileged to the extent that the means to purchase a home are frequently contingent upon a lender's willingness to lend the money necessary to buy the house.

    In a perfect world the only consideration in a lenders calculations as to whether or not a particular individual deserves the privilege of being extended a loan should be the lendee's ability to repay the loan (calculated as a function of cash on hand, income, and credit history).

    Given what we know about the mortgage lending industry's use of "redlining" it's clear that credit worthiness is not always the only consideration where lending is concerned.

    Since the Fair Housing Act of 1968 makes "redlining" on the basis of race, religion, age, gender, marital status & etc.. (no mention of sexual orientation here) illegal I think that goes back to the point I made above about home ownership being a right (provided the necessary conditions in respect to being able to purchase the asset are met).
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  2. #22
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    Re: Is home ownership a 'right' or a 'privilege'?

    Quote Originally Posted by soot View Post
    You forgot the option, "Enormous sinkhole of time and money that is generally a tremendous pain in the ass".

    Seriously though, whether or not it's a right depends on what you mean.

    In the sense that I believe that anyone who is financially qualified to buy a home should be able to buy whatever home they can afford regardless of race, religion, age, gender, sexual orientation, marital status & etc... then I guess yes, in a sense, it's a right.

    In respect to whether or not everyone is entitled to own a house by simple virtue of the fact that they exist and the implied obligation of society to provide them with that house in the event that they're unable to afford it, no, nobody has that right.

    I can also see where home ownership is a privileged to the extent that the means to purchase a home are frequently contingent upon a lender's willingness to lend the money necessary to buy the house.

    In a perfect world the only consideration in a lenders calculations as to whether or not a particular individual deserves the privilege of being extended a loan should be the lendee's ability to repay the loan (calculated as a function of cash on hand, income, and credit history).

    Given what we know about the mortgage lending industry's use of "redlining" it's clear that credit worthiness is not always the only consideration where lending is concerned.

    Since the Fair Housing Act of 1968 makes "redlining" on the basis of race, religion, age, gender, marital status & etc.. (no mention of sexual orientation here) illegal I think that goes back to the point I made above about home ownership being a right (provided the necessary conditions in respect to being able to purchase the asset are met).

    My parents bought a house back in the mid 90's. Ten years later, after they retired and were budgeting their expenses/income, they asked me if I wanted the house as an inheritance or could they get a reverse mortgage and live their final years, payment free? I knew the house was not built like the homes of the previous decades, with quality materials, designed to last many decades. So, I told them to get the reverse mortgage and I was right.

    After mom passed in 2012, the house was in need of $50K minimum of structural repairs from roofing (ceramic tile), pool and driveway resurfacing, new air conditioner/heater, termite damage in the walls, massive tree removal, painting, carpet/flooring, appliances, etc. And from the financing, it was owed as much as it was worth, not factoring in you pay $1000's a year in property taxes, home owners insurance and association fees. Pool, pesticide, lawn care, repairs all add up annually. It's a money pit that increases with time.

    A trailer on some cheap lot, with paid utilities is the way retire.
    Einstein, "science without religion is lame, religion without science is blind."

  3. #23
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    Re: Is home ownership a 'right' or a 'privilege'?

    Not a right.

  4. #24
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    Re: Is home ownership a 'right' or a 'privilege'?

    Someone thinking home ownership was a right was the reason the housing market crashed.

  5. #25
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    Re: Is home ownership a 'right' or a 'privilege'?

    Quote Originally Posted by DA60 View Post
    Is home ownership a 'right' or a 'privilege'?












    Jeez...hopefully THIS time I got this poll right.
    To think its a privilege is ridiculous.
    "God Bless Our Troops in Harms Way."

  6. #26
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    Re: Is home ownership a 'right' or a 'privilege'?

    Quote Originally Posted by ludin View Post
    Someone thinking home ownership was a right was the reason the housing market crashed.
    I'm sure it couldn't have been the lending companies that wanted to cash in on all the loose credit while they passed on the risk to someone else. No way anyone would want to charge $1200 a pop just to check a county tax record and file a dozen forms.
    Mt. Rushmore: Three surveyors and some other guy.
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  7. #27
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    Re: Is home ownership a 'right' or a 'privilege'?

    It's absolutely a privilege.
    Only a fool measures equality by results and not opportunities.

  8. #28
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    Re: Is home ownership a 'right' or a 'privilege'?

    Quote Originally Posted by Navy Pride View Post
    To think its a privilege is ridiculous.
    What makes it a right? If someone hasn't earned, why should they have it? Food, water, clothing and shelter are basic needs. Shelter on a mat in a flop house provides for that basic need, anything more is a want/desire and no want/desire can ever be a right. Nor can anything that must be provided by others.
    Only a fool measures equality by results and not opportunities.

  9. #29
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    Re: Is home ownership a 'right' or a 'privilege'?

    Quote Originally Posted by Jerry View Post
    I'm from South Dakota, we BBQ in the snow if we have to. It keeps the beer cold.
    I know people here in Minnesota who do that too. I could never succeed in keeping it hot enough to cook anything.


    Quote Originally Posted by Jetboogieman View Post
    This issue has been plowed more times than Paris Hilton.
    Quote Originally Posted by Oborosen View Post
    Too bad we have to observe human rights.

  10. #30
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    Re: Is home ownership a 'right' or a 'privilege'?

    Quote Originally Posted by DA60 View Post
    Is home ownership a 'right' or a 'privilege'?










    Jeez...hopefully THIS time I got this poll right.
    Property in and of itself is a right.
    You know the time is right to take control, we gotta take offense against the status quo

    Quote Originally Posted by A. de Tocqueville
    "I should have loved freedom, I believe, at all times, but in the time in which we live I am ready to worship it."

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