{"title": "The government is making the housing crisis worse | Petri Roininen | Negotiator 202", "titleOriginal": "Hallitus pahentaa asuntokriisiä | Petri Roininen | Neuvottelija 202", "episodeNumber": "202", "guest": "Petri Roininen", "publishedAt": "2023-07-11", "duration": "39:02", "durationIso": "PT39M2S", "youtube": "https://www.youtube.com/watch?v=8dfgHknS2n8", "fiCanonical": "https://www.neuvottelija.fi/fi/episodes/301-hallitus-pahentaa-asuntokriisia-petri-roininen-neuvottelija", "originalLanguage": "fi", "format": "full", "topics": ["finnish_economy_policy", "investing_markets"], "description": "Petri Roininen, chief executive of Investors House and the channel's very first guest, joins Sami Miettinen in July 2023. The claim is narrow: the government is dismantling housing subsidies without cutting housing taxes, and on top of the rate shock that reinforces a downward path. Around it sit the trap in amortisation-free periods on housing company loans, the municipalities' vertical cartel in zoning, the 300,000 Finnish housing investors being tested by the rate rise, and a creeping crisis rather than a collapse. The guest runs a listed property company.", "chapters": [{"t": "00:00", "title": "Petri Roininen returns as the channel's first ever guest", "seconds": 0}, {"t": "01:10", "title": "The government programme dismantles housing subsidies but not housing taxes", "seconds": 70}, {"t": "02:57", "title": "The total tax rate and public debt over the term", "seconds": 177}, {"t": "04:07", "title": "Selling the state's listed holdings, and rail investment", "seconds": 247}, {"t": "05:51", "title": "The culture war distracts from fixing the economy", "seconds": 351}, {"t": "07:05", "title": "Euribor rose: a monthly payment from a thousand euros to 1,800", "seconds": 425}, {"t": "08:16", "title": "Purchasing power collapsed and the housing market stopped", "seconds": 496}, {"t": "09:12", "title": "A different crisis from the financial crisis", "seconds": 552}, {"t": "10:06", "title": "Does housing benefit end up in rents", "seconds": 606}, {"t": "11:08", "title": "Pressure for a 20 per cent rent rise", "seconds": 668}, {"t": "14:03", "title": "Housing company loans and the trap in amortisation-free periods", "seconds": 843}, {"t": "16:38", "title": "A banker's view of falling collateral values", "seconds": 998}, {"t": "18:42", "title": "Lending restrictions arrived at the worst moment", "seconds": 1122}, {"t": "19:18", "title": "Support for right-of-occupancy housing ends", "seconds": 1158}, {"t": "20:41", "title": "The four cornerstones of housing policy", "seconds": 1241}, {"t": "21:40", "title": "The municipalities' vertical cartel in construction", "seconds": 1300}, {"t": "22:58", "title": "Property funds and the listed property sector", "seconds": 1378}, {"t": "24:43", "title": "Finland's 300,000 housing investors under test", "seconds": 1483}, {"t": "26:25", "title": "Commercial property and offices after remote work", "seconds": 1585}, {"t": "29:07", "title": "The zoning authority decides everything about a building", "seconds": 1747}, {"t": "31:35", "title": "A creeping crisis, not a collapse", "seconds": 1895}, {"t": "32:46", "title": "Construction bankruptcies and unemployment in the autumn", "seconds": 1966}, {"t": "33:50", "title": "ECB rate cuts as the only fast rescue", "seconds": 2030}, {"t": "34:32", "title": "Public finances must be managed regardless of the cycle", "seconds": 2072}, {"t": "36:23", "title": "Why Roininen joined the Centre Party", "seconds": 2183}, {"t": "38:34", "title": "Closing words", "seconds": 2314}], "sourceTranscriptType": "none", "subtitleMethod": "none", "provenance": "Owner page assembled from YouTube metadata, the neuvottelija.fi episode record and the publisher's own chapter marks, translated one for one; their spacing is irregular and matches the recording. No transcript is published here — the channel has no English caption track for this episode and the Finnish one is YouTube's automatic track. The guest leads a listed property company and has a direct commercial interest in housing policy and interest rates, and no opposing voice is present; the long-form write-up in the Neuvottelija AI editions states that.", "coreTheses": ["The asymmetry is the argument: subsidies are being cut while housing taxes are not, so the two do not offset.", "Amortisation-free periods on housing company loans postpone a problem into a period of lower collateral values.", "Zoning gives municipalities a vertical position that decides almost everything about a building, which is a competition question rarely framed as one.", "The guest runs a listed property company and has a direct interest in housing policy and rates."], "slug": "ep202-hallitus-pahentaa-asuntokriisia-petri-roininen", "guestsCanonical": ["Petri Roininen"], "guestPages": ["https://www.neuvottelija.com/podcast/guests/petri-roininen/"], "page": "https://www.neuvottelija.com/podcast/episodes/ep202-hallitus-pahentaa-asuntokriisia-petri-roininen/", "markdown": "https://www.neuvottelija.com/podcast/episodes/ep202-hallitus-pahentaa-asuntokriisia-petri-roininen/index.md", "captions": null, "transcript": null, "videoId": "8dfgHknS2n8", "dbId": null, "qaCoveragePct": 0.0, "qaSemanticVerdict": "metadata_only", "aiArticleEn": "https://www.neuvottelija.com/ai/ep202-hallitus-pahentaa-asuntokriisia-petri-roininen/", "aiArticleFi": "https://www.neuvottelija.fi/economy/ep202-hallitus-pahentaa-asuntokriisia-petri-roininen/"}