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this post was submitted on 11 Oct 2023
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You can have municipal regulations and be free to decide what to do with your own property aside from that. Most of the world does it and things work just fine, with the added benefit of no HOA troubles.
Municipal regulations affecting very small level stuff like that might become a huge clusterfuck. In Finland HOA type stuff is usually seen as good because it gives the option for people to decide stuff about their own immediate area or even just their own apartment building (so more local democracy) and it's easier to organize a lot of stuff closer to people.