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**Financialization** refers to the increasing role of financial institutions and markets in the housing sector. Housing is no longer seen simply as a place to live, but also as a financial asset to be traded and speculated on. This has led to a number of changes in the housing market, including the securitization of mortgages, the rise of buy-to-let mortgages, and the increasing dominance of large corporate landlords. The securitization of mortgages, where mortgages are bundled together and sold to investors, has allowed banks to lend more money, driving up house prices. Buy-to-let mortgages have encouraged individuals to purchase properties as investments, further increasing demand and prices. The rise of large corporate landlords has led to a more professionalized rental market, but it has also raised concerns about affordability and security of tenure. These large landlords are often focused on maximizing profits, which can lead to higher rents and less investment in maintenance. The financialization of housing has created a system where housing is treated as a commodity, rather than a basic human need. This has led to a disconnect between house prices and incomes, making it increasingly difficult for ordinary Londoners to afford housing. The focus on short-term profits over long-term affordability has created a volatile and unsustainable housing market.
Back in the early 1970s, the city of Dortmund decided it needed a new stadium, primarily to host matches for the 1974 World Cup. Construction began, and the Westfalenstadion rose from the ground. It was an ambitious project, and from the start, it was designed to be a state-of-the-art facility. The original design was a joel osteen ferrari bowl-shaped stadium, intended to create an intimate atmosphere for the fans. The initial capacity was around 54,000, which was quite a feat for the time. When it opened, it was immediately hailed as one of the best stadiums in Germany. Over the years, it has become a symbol of football and the city of Dortmund.
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