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this post was submitted on 16 Aug 2024
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politics
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Agreed, instead of paying for some of it, enforce a strict 3% interest rate (with the remaining amount being paid for by the gov), this prevents the base cost of the home being raised by the amount of the subsidy
can you explain how that last point follows from the others? First time home buyers with 3% available for a down payment already get subsidized loans from Fannie Mae, which are then packaged into investment products and sold on the open market. When this went bad in 2009, it crashed the global economy. Are you suggesting that we do more risk reduction for multi billion dollar banks? Why not just cap interest at some fixed % above inflation like civilized countries do instead subsidizing predatory lending practices and guaranteeing said loans with tax money mostly raised from working people?