A Protectionist Policy for home ownership for the Australian people

Summary:

1) Zero-net immigration, to end excessive housing demand.
2) Large-scale government housing projects to be built in designated regional areas.
3) Massive investment in the building industry, TAFE education, and apprenticeship schemes.
4) End any taxes which make owning a home more expensive.
5) Sanctify the ownership of homes with a Family Home Guarantee.
6) Reduce the general cost of living.
7) The creation of a Government Bank, with interest-free home loans.

1) Zero-net immigration, to end excessive housing demand.

* There are far too many people immigrating into Australia; when there are not enough homes for everyone, that situation drives down home-gaining prospects, as well as drives up renting and buying prices.

* Immigration (people coming in) shall not exceed emigration (people leaving). For example, if 10,000 people leave Australia, then 10,000 people can then enter Australia.

* Immigration shall be limited to persons with skills that Australia needs, as well as marriage partners.

* Drastically reduce the foreign student intake. Our schools and universities should be primarily for Australian students, just as they used to be. Foreign student classes can be held online, if we want to go down that path.

* It should be recognised that many foreign students use their presence here as a mode of stealth immigration, as a pathway to permanent residency; that shonky practice needs to be stopped. Supposedly, about 16% of foreign students become permanent residents; although the real figure may well be higher. To be able to afford homes, our students need to have jobs, and that cannot be achieved for many when a third of the student intake is of foreigners, first taking student places and then staying here to take graduate students’ jobs.

* There are approximately 791,000 foreign students in Australia, who all have to be housed somewhere. Ending the foreign student racket will free up more housing for Australians. It should also be mentioned that foreign students who are in the country as permanent residents, or as New Zealand citizens, are not counted in the numbers of foreign students. According to one source, government funding has been used to assist foreign students to enrol in Australia as high school students, and then they are not counted as foreign students when they enrol in universities. So the actual numbers of foreign students in Australia is higher than we are led to believe.

* Australia must withdraw from refugee agreements (in fact, when so-called refugees go past their first port of safe refuge, then they are no longer refugees, but are actually economic immigrants).

* Immigration shall be limited to people who have a cultural background and ethnicity which is compatible with traditional Australia.

* We must realise that mass immigration is currently being used as some type of pyramid scheme, which is unsustainable and is damaging to Australia in the long run.

2) Large-scale government housing projects to be built in designated regional areas.

* Housing projects are to be built concurrently with public infrastructure (train stations, buses, emergency services, schools, libraries, etc.), and areas for shops and shopping centres.

* Housing projects are to have designated industrial areas, where businesses (especially manufacturing businesses) can operate.

* Favourable tax deals are to be created, so as to attract businesses to the housing projects.

* Enable people living in public housing to purchase their own homes, with no interest charged.

* Housing projects not to be built on good agricultural land, as those areas will be needed to feed the nation in the future. We must be long-sighted in our housing and population planning.

3) Massive investment in the building industry, TAFE education, and apprenticeship schemes.

* The high school system needs to be revamped so that it includes both general education (reading, writing, arithmetic, bookwork, computer work, etc.) and practical education (carpentry, mechanics, plumbing, electrical, engineering, sewing, cooking, etc.), so as to promote the abilities of all students to engage in both the clerical side of education as well as the trades side of education. Gaining a higher competency and knowledge base of trade work will encourage more students to enter the trades system.

* Retired trade workers to be encouraged to participate in TAFE teaching and assistance for apprentices.

* All building inspections to be overseen by randomly-allocated government building inspectors.

4) End any taxes which make owning a home more expensive.

* End stamp duties on homes. Stamp duties are an unnecessary tax, and are a burden on home buyers.

* End local government taxes (council rates) on homes. Having council rates on homes means (in effect) that home owners do not own their homes, and that is evil. When someone buys or owns something (whether it be a TV, car, or house), then they should own it in full, without any impost or charge from the government. If something is purchased, then the buyer should not have to keep on paying for it (currently, if home owners can’t pay their rates, then their homes are seized and sold). Council rates are an evil blight upon society. Councils can instead be funded by state or federal taxes.

* End government wastage. This should be done from the small to the big. As a minor example, governments love to print coloured brochures, even though they are far cheaper to print in black and white. It’s easy to throw money around when it’s not your money. We need to stop funding non-essential items in government. Government spending keeps on going up and up, even beyond the rate of inflation, and it is largely caused by a “not my money” mindset, where public servants don’t care about what they spend the taxpayers’ money on.

5) Sanctify the ownership of homes with a Family Home Guarantee.

* Family homes shall not be sold off if a person cannot pay bills or becomes bankrupt. Monies owed by people can be chased via wage garnisheeing or other means. Being mindful of how the Family Home Guarantee could be misused by nefarious persons, a top priority shall be given to reining in any miscreants who abuse the system; however, the Family Home Guarantee should not be ended because of a few rotten individuals.

* The Family Home Guarantee shall serve as a firm basis to secure the stability of families, and shall be an indication of the importance of families in the nation.

* No death taxes. Family homes should be able to be passed on to family members as they are; the charging of death taxes can mean that family members have to sell off a family home just to pay an unnecessary government tax. As a principle, death taxes are evil, and therefore should never be allowed.

6) Reduce the general cost of living.

* Invest in coal power stations and nuclear power stations. When power becomes cheaper, it has a cumulative effect, and the cost of living goes down.

* End the government practice of slavishly following dubious climate alarmist theories. When governments make it compulsory for a national economy to blindly follow a dubious environmental theory (backed by Radical Leftists), costs go way up for the common people.

* Reduce the cost of all government licences for ordinary consumers. Government licenses for individuals should not exceed an average hour’s pay. Governments hold a monopoly on issuing licenses (and, like many monopolies, they charge too much). Government-issued licences are something that governments want; so, if anything, they should be paying the public to hold a licence, not the other way around. Governments need to be reigned in; they should be serving us, not us serving them.

* Remove unnecessary government licenses for ordinary consumers. For example, there is no necessity for ordinary citizens to hold a fishing license; anybody should be able to grab a fishing rod and go fishing in a public waterway whenever they want, and not have to beg a government department for the “privilege” of doing so.

7) The creation of a Government Bank, with interest-free home loans.

* The Government Bank shall lend money to home buyers with no interest charged. Amounts to be lent shall be based upon the applicant’s income, ability to make payments, and their number of children. The Government Bank can make money in various commercial ways, but shall not make money at the expense of Australian home-owners; it is far more important to enable Australian families to have a home and create family stability, than it is for a Government Bank to engage in profit-seeking. The role of the Government Bank shall be to help families, not bankrupt them.

* The federal government shall not guarantee any private banks. If a private bank fails, the government may (at its discretion) bail out a bank, but only in exchange for a commensurate stake (and more) in such a bank. If a private enterprise fails, people should expect to lose money; however, deposits and investments in the Government Bank shall be guaranteed by the federal government.

* It should be realised that the private banking system, by using fractional-reserve banking, can create multiple dollars for every dollar deposited, and therefore is (in effect) printing its own money (which is normally the prerogative of a sovereign government). Many people do not realise that banks only keep hold of just a fraction of money deposited; if everyone went to their bank tomorrow to withdraw all of their money, the banking system would collapse, because the amount of actual money printed and minted by the government is only a very small fraction of the money supply (most of which has been created by the private banking system; indeed, some would say that it has been created in a manner which is both fraudulent and unsustainable).

* Australia has approximately $106 billion in cash (coins and notes), yet the money supply in Australia is approximately $3,228 billion (over 30 times the amount of cash created). That’s because most of the circulating “money” is not actual money at all, but “credit” created by banks. The money worth is created by the hard work of Australians, whilst the money profiteering is created by the banks.

* The more a banking system uses a Government Bank, the more money is returned to the taxpayers via government usage (and reduced taxation). Private banks, using fractional-reserve banking, are (in effect) stealing from taxpayers; this is because when the banks create their own money, they are stealing from the national assets a lot of monetary worth which should belong to the nation (by contrast, if a government bank uses fractional-reserve banking, all of the benefits accrue to the nation).

* The private banking system benefits wildly from being able to create its own money; this is why 5 of the top 10 richest companies in Australia are banks; they don’t get their money from making things, but from shuffling money. In effect, they are not creators of wealth, but parasites of wealth. Therefore, private banks should stand on their own feet without any government guarantees or subsidies. People will gravitate to a government-guaranteed bank, which means that the profits of credit creation will go to the people. The banking system, and the creation of the national money supply, needs to benefit the people, not just a handful of banks who are ripping people off.

The implementation of the above points will greatly increase the level of home ownership in Australia, and will be of enormous benefit to the Australian people.