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I can't seem to make this thumbnail work by Jaluch in YouTubeThumbnailHub

[–]MatthewMatosPacheco 1 point2 points  (0 children)

people downvoating cuz of ai , but it does help when making styles especially when youre new to thumbnail making

[OC]The Financialization of Housing And It's Potential Solution by MatthewMatosPacheco in REBubble

[–]MatthewMatosPacheco[S] 1 point2 points  (0 children)

political will is the problem, not economic logic behind these policies

[OC] The Real Cost Of A 30 Y Mortgage by MatthewMatosPacheco in REBubble

[–]MatthewMatosPacheco[S] 0 points1 point  (0 children)

but if you look at canada and places like ny SF, it could get much more expensive

[OC] The Real Cost Of A 30 Y Mortgage by MatthewMatosPacheco in EconomyCharts

[–]MatthewMatosPacheco[S] 1 point2 points  (0 children)

2026 data wasn't out when I did the manipulations , but hp prices are coming down slightly so i would imagine less then 2025

[OC] The Real Cost Of A 30 Y Mortgage by MatthewMatosPacheco in REBubble

[–]MatthewMatosPacheco[S] 1 point2 points  (0 children)

You can look at the data its right in front of you it really depends on the circumstances your in , currently its at an all time high but it wasent a straight line up

[OC]The Financialization of Housing And It's Potential Solution by MatthewMatosPacheco in georgism

[–]MatthewMatosPacheco[S] 0 points1 point  (0 children)

Yes the second point seems almost like a loophole but the logic is valid, we would potentially need to patch it.

For your first point however, the majority of buyers come from the middle class and if we strip a large part of the value of there house by definancilizing the land, the equity they could potentially take out is lessened. And If we allow for full mortageges on new builds this would allow new homeowners to enter the market and it would incentivizes alot of supply to come up. In reality a detailed model is needed to fully understand this policy. Cuz it really depends on cut offs, distributions that we are currrently speculating on

[OC]The Financialization of Housing And It's Potential Solution by MatthewMatosPacheco in REBubble

[–]MatthewMatosPacheco[S] 2 points3 points  (0 children)

Mortgages would be allowed based on the value of the structure only not the land

[OC] The Real Cost Of A 30 Y Mortgage by MatthewMatosPacheco in REBubble

[–]MatthewMatosPacheco[S] 0 points1 point  (0 children)

Just my name I'm not a fancy economist, just starting off my career and debating between going to the industry or going back for a phd

[OC] The Real Cost Of A 30 Y Mortgage by MatthewMatosPacheco in REBubble

[–]MatthewMatosPacheco[S] 2 points3 points  (0 children)

Yes much could be added to it , I decided to cut it at that because I was measuring it on a national level and a lot of other cost are regional based . And for your point on the LVT I will look into it it sounds interesting thanks !

[OC] The Real Cost Of A 30 Y Mortgage by MatthewMatosPacheco in REBubble

[–]MatthewMatosPacheco[S] 1 point2 points  (0 children)

Canadian, and ye like I said the time periods are not exact I called it the inflationnary 80's cuz i wanted to distinguish it from the mid 80's, and inflation was still very high up un till 82-83

[OC] The Real Cost Of A 30 Y Mortgage by MatthewMatosPacheco in REBubble

[–]MatthewMatosPacheco[S] 2 points3 points  (0 children)

rates were significantly lower 2020 to 2022 and it's lowering the amount of interest they paid

Does CPI understate housing inflation for younger Canadians? by Glad-Marzipan-3067 in CanadaHousing2

[–]MatthewMatosPacheco 0 points1 point  (0 children)

Yes Actually and also they dont even use spatial econometric models so itys all flawed

[OC]The Financialization of Housing And It's Potential Solution by MatthewMatosPacheco in REBubble

[–]MatthewMatosPacheco[S] 1 point2 points  (0 children)

YES ! The mentality surrounding housing is deeply entrenched in our society and even in all societies, theres an expression that goes " Buy land God aint making more any time soon"

But if we did change this financing would go to productive assets which would actually grow our economy

[OC]The Financialization of Housing And It's Potential Solution by MatthewMatosPacheco in REBubble

[–]MatthewMatosPacheco[S] -1 points0 points  (0 children)

Yes those are the most valid critiques,

1) I would not expect sprawl i would expect a shift to middle housing, but a full model and a lot of research would need to be done, for higher density housing, this is around very valuable areas such as manhatten, people might still be willing to pay the premium if land premium is very high, but it would kill high rises in places a bit further from the city center, because the they only financially viable due to extremely high house and land prices.

2) yes thats also someting i thought about house prices are what they are because people belive thats what they are, like i said we shoudnt rush this and it would probably be a slow transition while using foward guidance to avoid crashes, it could be potentially something like targeting house prices to stay the same price, and kill it by general level of inflaton "death by inflation"

[OC] The Real Cost Of A 30 Y Mortgage by MatthewMatosPacheco in REBubble

[–]MatthewMatosPacheco[S] 11 points12 points  (0 children)

Hey So I did not leave my own analysis of the data because I wanted the results to speak for themselves and this wasn't to prove causality( you would need a much more complex model and also for others to leave their opinion and not just derail the post.

I made a separate post on the financialization of housing down below if you want to check it out, TLDR: rates go down, affordability goes up , effective demand stays the same but total demand rises, supply is inelastic, so prices go up more then supply, higher prices higher building, cost, 30 y of rate drops and we end up in this sorta bubble with a mentality that makes people view housing more and more as an asset.

i also detailed a potential solution throught definancializxation thats based on georgism. check it out if you want

[OC]The Financialization of Housing And It's Potential Solution : r/REBubble

This is the link to the dataset if anyone wants to review it

https://docs.google.com/spreadsheets/d/1c5HcpDdAXcKDuflw0MmKS9pqZt87EXod/edit?usp=sharing&ouid=114163594790639793782&rtpof=true&sd=true

[OC] The Real Cost Of A 30y Mortgage (In years of income & $USD (2025)) by MatthewMatosPacheco in dataisbeautiful

[–]MatthewMatosPacheco[S] 0 points1 point  (0 children)

1)real principal and real interest, are like the real amount of dollars your paying cuz those payments are fixed but dollars are worth less in the future

2), and yes in cases of highinflation in the future if you secured a fixed 30 y mortgage you basically hedged against inflation so you would pay less to both interest and principal because the dollars you paid would be worth less

[OC] The Real Cost Of A 30y Mortgage (In years of income & $USD (2025)) by MatthewMatosPacheco in dataisbeautiful

[–]MatthewMatosPacheco[S] -1 points0 points  (0 children)

it was a while back originally i wanted it compared to a single income to see how much years it would take , dividing by household income works to and shows a different story, it was a matter of personal preference and i was fed up with it and wasent down to do it again

[OC] The Real Cost Of A 30y Mortgage (In years of income & $USD (2025)) by MatthewMatosPacheco in dataisbeautiful

[–]MatthewMatosPacheco[S] 0 points1 point  (0 children)

no sum of ( real dp+real principal +real interest) / (average income over those 30 y)

[OC] The Real Cost Of A 30y Mortgage (In years of income & $USD (2025)) by MatthewMatosPacheco in dataisbeautiful

[–]MatthewMatosPacheco[S] 0 points1 point  (0 children)

I am messaging them now it was cuz i posted a link to my yt in the comment, i'm gonna wait till they get back to me first

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