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Why Can't You Afford a Home? By Josh Ryan-Collins

Why Can't You Afford a Home? by Josh Ryan-Collins

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"Leading economist Josh-Ryan Collins argues that to understand the housing crisis, we must examine the 'doom loop' that exists between private home ownership and a lightly regulated commercial banking system. The only way out is to rethink how we structure our tax and financial systems and accept that home ownership may not always be the solution"--

Why Can't You Afford a Home? Summary

Why Can't You Afford a Home? by Josh Ryan-Collins

Throughout the Western world, a whole generation is being priced out of the housing market. For millions of people, particularly millennials, the basic goal of acquiring decent, affordable accommodation is a distant dream.

Leading economist Josh Ryan-Collins argues that to understand this crisis, we must examine a crucial paradox at the heart of modern capitalism. The interaction of private home ownership and a lightly regulated commercial banking system leads to a feedback cycle. Unlimited credit and money flows into an inherently finite supply of property, which causes rising house prices, declining home ownership, rising inequality and debt, stagnant growth and financial instability. Radical reforms are needed to break the cycle.

This engaging and topical book will be essential reading for anyone who wants to understand why they can't find an affordable home, and what we can do about it.

Why Can't You Afford a Home? Reviews

'In this excellent book, Josh Ryan-Collins shows that unaffordable housing is not inevitable, and how we can break what the author aptly calls the housing-finance cycle.'Michael Hudson, Levy Economics Institute of Bard College

'Why can't you afford to buy a home? It's not because of too many smashed avocadoes, or too little land, but too much bank lending. Josh Ryan-Collins clearly explains how bank lending for speculation has made housing inaccessible, and how to tame the beast of finance.'Steve Keen, author of Debunking Economics

"This book is the best short introduction I've seen to a burgeoning literature on housing and financialisation"
Inside Housing

'Why Can't You Afford a Home? is a short, readable and valuable book...It makes a convincing set of arguments that explain much of our current housing crisis.'
Irish Times

About Josh Ryan-Collins

Josh Ryan-Collins is a Senior Research Associate at the Institute for Innovation and Public Purpose, University College London.

Table of Contents

Contents Chapter 1 Introduction Chapter 2 Land, Home-Ownership and the Problem of Economic Rent Chapter 3 The Housing-Finance Feedback Cycle and the Deregulation of Finance Chapter 4 How and Why Economic Policy Went Astray Chapter 5 Breaking the Housing-Finance Feedback Cycle Chapter 6 Conclusion Bibliography

Additional information

Why Can't You Afford a Home? by Josh Ryan-Collins
Used - Good
Polity Press
Book picture is for illustrative purposes only, actual binding, cover or edition may vary.
This is a used book - there is no escaping the fact it has been read by someone else and it will show signs of wear and previous use. Overall we expect it to be in very good condition, but if you are not entirely satisfied please get in touch with us

Customer Reviews - Why Can't You Afford a Home?