Stephnie de Ruyter
Stephnie de Ruyter, Party Leader
Party Leader
The Origins of Social Credit
Development of modern banking has resulted in nations losing the power to issue most of their own money. The financial system, worldwide, is based on debt.
Our Policies

To view our policy summaries please click on the relevant policy heading on the left.


Home ownership, once a common part of life in New Zealand, has been severely eroded through stagnant incomes, high interest rates, housing ‘bubbles’ and other inflationary aspects of the present financial system.

The Democrats for Social Credit Party is committed to

• Home ownership and the provision of low interest loans for first homes.

• Helping young families into homes.

• A Housing Plan, as a dedicated savings scheme to be administered by the Reserve Bank of New Zealand.

• Applying the Housing Plan to both new and existing homes, where renovations are energy efficient and environmentally friendly.

• The continued administration of State-owned rental units.

• Steady, long term policies which enable the building industry to plan ahead.

Ownership is the key to better wealth distribution. When the majority of homes are owneroccupied, it has been found that properties are better maintained, populations are more stable and communities more cohesive. All these add to the prosperity of a region’s economy.

Low interest or nil interest loans will be available from a division of the Reserve Bank (see Toolbox for a New Economy) through locally owned banking institutions or co-operatives to first home buyers and qualifying people on low incomes, with the term set so that repayments are affordable.

New homes built with eco-friendly features such as solar panels, photovoltaic systems, double glazing and grey water systems will be far more affordable using this lending tool. Similar funding can be made available for retro-fitting of older homes with energy-saving and water-saving devices, rent-to-buy schemes and other ways to establish wider home ownership and effect the repair and enhancement of local environments.


Katherine Ransom, Social Issues Spokesman



Published: July 2017

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