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German housing crisis: 'Like winning the lottery!'
(www.dw.com)
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After reading (3), I was going to suggest (4), but you did it yourself.
We should drastically raise property taxes and make them deductible from income taxes for owner-occupied housing up to a certain amount.
That would really put middle class home owners and starters in a competitive position compared to those who consume a lot of housing.
And this, in turn, will incentivize property developers to target the middle class