this post was submitted on 02 Nov 2025
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[–] thatKamGuy@sh.itjust.works 3 points 1 week ago

It’s a good idea to start with, but flooding banks with that much money will likely have a massive down-side (think post-COVID19 levels of inflation), and it would be difficult to determine the right amount for each house, given that prices would still be in flux/freefall.

My initial thoughts were about providing income tax deductions for losses on primary residence (eg. If your $900K townhouse in the ‘burbs devalues to $400K, you can claim the $500K over however many years it’s take you), as long as you continue to service your mortgage, after the initial refinance to determine eligibility.

But I’m sure a tonne of people would be able to immediately spot loopholes or other reasons why my idea wouldn’t work either.

It’s not actually all that easy, unfortunately - otherwise you’d think we’d already have had a politician put forward a proposal by now.