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@ -3,15 +3,14 @@ title: Debt and Housing Struggles
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# How do we challenge the shame of housing debt?
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We have been led by states and financial institutions to believe that it is natural to enter into personal debt in order to have a home. The easy access to credit has been equated with the right to housing. Narratives, politics and practices about home have become, at different paces, in different places, a question of individual property through which we mortgage our future, our pensions, our education. As Raquel Rolnik puts it in her book Urban Warfare: “Through the finance of private home purchase, global capital market expansion was based on private indebtedness, establishing an intimate link between individuals' biological lives and the global process of income extraction and speculation”. Since 1990’s mortgage became one of the main driving forces of financial market operations. The push towards housing debt economy was global, while the responsibility became individualized. Those that could not pay installments were deemed lazy and incompetent. This created a feeling of shame and a sense of personal failure in life. One of the main victories of the people affected by mortgages in Spain was to assign guilt and shame where they are due - in financial institutions and states.
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We have been led by states and financial institutions to believe that it is natural to enter into personal debt in order to have a home. The easy access to credit has been equated with the right to housing. Narratives, politics and practices about home have become, at different paces, in different places, a question of individual property through which we mortgage our future, our pensions, our education. As Raquel Rolnik puts it in her book Urban Warfare: "Through the finance of private home purchase, global capital market expansion was based on private indebtedness, establishing an intimate link between individuals' biological lives and the global process of income extraction and speculation". Since the 1990s mortgage became one of the main driving forces of financial market operations. The push towards housing debt economy was global, while the responsibility became individualized. Those that could not pay instalments were deemed lazy and incompetent. This created a feeling of shame and a sense of personal failure in life. One of the main victories of the people affected by mortgages in Spain was to assign guilt and shame where they are due - in financial institutions and states.
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**Proposed resources:**
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- **Read about the role of housing debt in the construct of dominant economy:** [The Mortgage System, Urban Warfare](https://library.memoryoftheworld.org/#/search/authors/Raquel%20Rolnik), by Raquel Rolnik.
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- **Read about the role of housing debt in the construct of dominant economy:** .
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- **Read about the toxic housing debt in the ex - socialist countries:**
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[The Impact of the Swiss Franc Loans Crisis on Croatian Households](https://link.springer.com/chapter/10.1057/9781137407795_4) by Petra Rodik
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- **Read about the struggles around housing and debt in Spain:**
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[Mortgaged Lives: from the housing bubble to the right to housing](https://library.memoryoftheworld.org/#/book/511e1660-a48a-4e3c-ba77-6aac5e6ff3c8) by Ada Colau and Adria Alemany.
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- **Watch the film about struggles in Spain:**
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[Si se puede: seven days with PAH in Barcelona](https://www.youtube.com/watch?v=elnjoFVv_Os)
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@ -3,21 +3,32 @@ title: Struggles for Social Housing
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# Universal care or charity?
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The system of public housing as it was established in the mid 20th century had to be dismantled and privatized to make way for financialization of housing and proliferation of debt via housing loans. Even though the systems of public, that is social housing, differ from country to country, they were all designed to offer an alternative to market based housing provision. One of the prevailing models of dismantling the public housing system was the politics of the so called right to buy that originated in the UK in the 1980’s and was transferred to many other countries. This means that social housing stock has been sold off to tenants living in them. The programs were dubbed as one of the most ingenious conservative revolutions. By making the tenant the individual owner of property - workers were supposed to become proprietors. To paraphrase General Franco’s Minister of housing in 1954, such strategies turn the nation of workers into the nation of owners. Struggles for social housing range from collective anti-gentrification action of tenants, rent strikes as well as the transnational demands for abolishing the neoliberal idea that the market can provide us with housing and demanding more investment into public housing stock. These struggles teach us that the right to housing, similar to the right to health protection, should be understood as the universal care established through the systematically arranged program of solidarity.
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The system of public housing as it was established in the mid 20th century had to be dismantled and privatized to make way for financialization of housing and proliferation of debt via housing loans. Even though the systems of public, that is social housing, are different from country to country, they were all designed to offer an alternative to the market-based housing provision. One of the prevailing models of dismantling the public housing system was the politics of the so-called right-to-buy that originated in the UK in the 1980’s and was transferred to many other countries. This means that social housing stock has been sold off to tenants living in them. The programs were dubbed as one of the most ingenious conservative revolutions. By making the tenant the individual owner of property - workers were supposed to become proprietors. To paraphrase General Franco’s Minister of housing in 1954, such strategies turn the nation of workers into the nation of owners. Struggles for social housing range from collective anti-gentrification action of tenants, rent strikes as well as the transnational demands for abolishing the neoliberal idea that the market can provide us with housing and demanding more investment into public housing stock. These struggles teach us that the right to housing, similar to the right to health protection, should be understood as the universal care established through the systematically arranged program of solidarity.
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**Proposed resources:**
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- **Read about the myth of meddling state:** [The myth of meddling state](http://www.miguelangelmartinez.net/IMG/pdf/2016_Madden_Marcuse_Defense_Housing_book.pdf) by Peter Marcuse.
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- **Read about the situation in the ex - socialist countries:**
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[Contradictions and Antagonisms in (Anti-) Social(ist) Housing in Serbia](https://acme-journal.org/index.php/acme/authorDashboard/submission/1731) by Ana Vilenica
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- **Checking out how we fight the myth that market is the only solution for our housing problems:** [Staying Put: Anti-Gentrifiction Handbook for Council Estates in London](https://southwarknotes.files.wordpress.com/2014/06/staying-put-web-version-low.pdf)
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- **Watch a film about iconic Pruitt - Igoe Myth:** [The Pruitt-Igoe Myth](https://www.youtube.com/watch?v=8CAfACI7LBY)
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**If you want to know more:**
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## Proposed resources:
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- [Read about the iconic rent strike in public housing estate Pruitt Igoe](https://beltmag.com/st-louis-rent-strike-1969/)
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- **For in-depth reading about mainstream narrative about global finance pushing the State out of housing production check out:** [Document: World bank, housing: Enabling markets to work, 1993.](http://documents.worldbank.org/curated/en/387041468345854972/pdf/multi0page.pdf)
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**Read about the myth of meddling state:**
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**How to work together:**
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**Read about the situation in the ex - socialist countries:**
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**Checking out how we fight the myth that market is the only solution for our housing problems:**
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**Watch a film about iconic Pruitt - Igoe Myth:**
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The Pruitt-Igoe Myth
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https://www.youtube.com/watch?v=8CAfACI7LBY
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## If you want to know more:
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**Read about the iconic rent strike in public housing estate Pruitt Igoe:**
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**For in-depth reading about mainstream narrative about global finance pushing the State out of housing production check out:**
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## How to work together:
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Read the proposed articles before you come to the session. Watch the film together. Organize a discussion round. Make dictionary entries to collectively organize your thoughts. Feed in as much detail as you can. Use what you have read. Use your personal experience, including what you know about your family and your friends. Share your Dictionary with other Pirate Care Syllabus users by downloading it on the web page.
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@ -3,10 +3,22 @@ title: Housing Struggles
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has_sessions: debtandhousingstruggles, strugglesforsocialhousing, housingandmaintenancestruggles, rentstruggles, squatting, criminalisationofhousingstruggles, techandhousingstruggles, badhousingmakesussick
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---
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Housing today constitutes new terrain for financial capital expansion and financial speculations. These changes have brought about the increase in the prices of housing and land and together with it the unprecedented household debt. Due to speculations the number of empty flats waiting to be sold off only when the price is right has been growing. In this situation housing has been increasingly changing function from someone's home to a place for investment, savings, or collateral for someone's pension. Some of the consequences of such a system have been growing housing precarity, an army of evicted and homeless, as well as the whole generations unable to provide for home of their own. In our opinion as long as housing continues to be treated as an asset these problems will prevail.
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Housing today constitutes a new terrain for expansion of financial capital and financial speculations. These changes have brought about an increase in the prices of housing and land and, as a consquence, an unprecedented rise in household debt. Due to speculation, the number of empty flats waiting to be sold only when the price is right has been growing. In this situation housing has been increasingly changing function from someone's home to a place for investment, savings, or collateral for someone's pension. Some of the consequences of such a system have been a growing housing precarity, an army of evicted and homeless, and entire generations unable to attain home of their own. In our opinion, as long as housing continues to be treated as an asset these problems will prevail.
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We believe that the housing question can be understood only in dialectical relation between economy and grassroots struggles. It is about unlearning the mainstream cynical narratives and relearning housing from the perspective of the struggles. We want to connect knowledge about housing to power relations. Our aim is to create grounds for the collective learning process about housing that could bring to better understanding about how to take constructive action and bring about necessary changes towards universal access to housing.
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We believe that the housing question can be understood only in dialectical relation between economy and grassroots struggles. It is about unlearning the mainstream cynical narratives and relearning housing from the perspective of the struggles. We want to connect knowledge around housing to power relations. Our aim is to create grounds for a collective learning process about housing that could lead to better understanding how to take constructive action and bring about necessary change towards a universal access to housing.
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In this syllabus, the sessions have been organized with two focuses: critical perspective on certain issues related to housing and examples of organizing. The issues that we have chosen are just some of the building blocks that make a complex story about housing. We have organized this syllabus in eight sessions: Debt and Housing Struggles, Struggle for Social Housing, Housing and Maintenance Struggles, Rent Struggles, Squatting, Criminalization of Housing Struggles, Technology and Housing Struggles and Housing Struggles and Mental Health.
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In this syllabus topic, the sessions have been organized with two focuses: critical perspective on certain issues related to housing and examples of organizing. The issues that we have chosen are just some of the building blocks that make a complex story about housing.
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We have organized this topic in eight sessions:
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- .
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The sessions are organized around a basic question: Is the housing issue an issue of collective care or a means of profit? It is clear for us. Housing is a form of collective care that has to be fought for through mutual aid and in constant disobedience to neoliberal privatization tendencies. We hope that we have managed to make that argument and that those of you who will be working with this topic will feel the same.
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The sessions are organized around basic question: Is the housing issue the issue of collective care or means of profit? It is clear for us. Housing is a collective care that has to be fought for with mutual aid in constant disobedience to neoliberal privatization tendencies. We hope that we have managed to make that argument and that those of you who will be working with this syllabus will feel the same.
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