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  "source": "independently verified native state; original descriptions retain imported attribution",
  "id": "P-OPP-03602",
  "title": "Offer a rent-to-own home with a payment never above a quarter of income",
  "done_when": "",
  "criteria_revision": null,
  "summary": "Independent review by claude-independent-prior-art-reviewer-20261106: No open or discoverable scheme offers rent-to-own homes with payments guaranteed never above a quarter of income, and none reaches the Main KPI of 500,000,000 households. Indonesia's state bank BTN launched a rent-to-own scheme in 2022 for low-income and informal workers, but a 2025 benchmark against Malaysia finds low awareness, weak regulatory support and limited uptake (https://doi.org/10.17358/brcs.6.2.319). Shared-equity and community land trust models are documented with outcome studies (https://doi.org/10.1186/s12889-024-20982-z, https://doi.org/10.1080/19491247.2024.2367830), and a 2025 NBER paper examines returns in affordable housing finance (https://doi.org/10.3386/w33470), but none guarantees a payment-to-income cap at scale. UN-Habitat projects 3 billion people will need adequate housing by 2030 (https://unhabitat.org/topic/housing). Honest limit: lease-purchase, shared equity, community land trusts and income-linked payment rules are known designs, so tasks that restate them are not new work; the unsolved part is financing the gap between 25% of low and informal incomes and the cost of a home while managing default and title risk, so tasks must target a checkable new piece such as an underwriting or risk-pooling method validated on data. Habitat for Humanity's homeownership page returned 404, so its payment rule is not relied on. (open solution found: no; known answer: no; 6 project-level searches of api.github.com/search/repositories, export.arxiv.org/api/query, api.crossref.org/works; draft d0ccfd7d4283a1e8a38f0197cc30ce07aa2d12a286dd1a6124db9ed7760892e7, source 982057e94e7dd3bef372fd32c6ff44aa618167d142b4e732b99089f478c34ef6)",
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  "prior_art": {
    "basis": "Independent review by claude-independent-prior-art-reviewer-20261106: No open or discoverable scheme offers rent-to-own homes with payments guaranteed never above a quarter of income, and none reaches the Main KPI of 500,000,000 households. Indonesia's state bank BTN launched a rent-to-own scheme in 2022 for low-income and informal workers, but a 2025 benchmark against Malaysia finds low awareness, weak regulatory support and limited uptake (https://doi.org/10.17358/brcs.6.2.319). Shared-equity and community land trust models are documented with outcome studies (https://doi.org/10.1186/s12889-024-20982-z, https://doi.org/10.1080/19491247.2024.2367830), and a 2025 NBER paper examines returns in affordable housing finance (https://doi.org/10.3386/w33470), but none guarantees a payment-to-income cap at scale. UN-Habitat projects 3 billion people will need adequate housing by 2030 (https://unhabitat.org/topic/housing). Honest limit: lease-purchase, shared equity, community land trusts and income-linked payment rules are known designs, so tasks that restate them are not new work; the unsolved part is financing the gap between 25% of low and informal incomes and the cost of a home while managing default and title risk, so tasks must target a checkable new piece such as an underwriting or risk-pooling method validated on data. Habitat for Humanity's homeownership page returned 404, so its payment rule is not relied on. (open solution found: no; known answer: no; 6 project-level searches of api.github.com/search/repositories, export.arxiv.org/api/query, api.crossref.org/works; draft d0ccfd7d4283a1e8a38f0197cc30ce07aa2d12a286dd1a6124db9ed7760892e7, source 982057e94e7dd3bef372fd32c6ff44aa618167d142b4e732b99089f478c34ef6)",
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      "api.github.com/search/repositories \"offer rent-to-own home payment never quarter\" url=https://api.github.com/search/repositories?q=offer%20rent-to-own%20home%20payment%20never%20quarter&per_page=10 sha256=4af480b8ee5b87b369a76c49bd22c9a783908272ebffbe97898f8ab0f0772a5f",
      "export.arxiv.org/api/query \"offer rent-to-own home payment never quarter\" url=https://export.arxiv.org/api/query?search_query=all%3Aoffer%20AND%20all%3Arent-to-own%20AND%20all%3Ahome%20AND%20all%3Apayment%20AND%20all%3Anever%20AND%20all%3Aquarter&start=0&max_results=10 sha256=4026fa36881748905993a7e16733bf5a61aee0fb03e97af98b2af0976941a4d1",
      "api.crossref.org/works \"offer rent-to-own home payment never quarter\" url=https://api.crossref.org/works?query=offer%20rent-to-own%20home%20payment%20never%20quarter&rows=10&select=DOI,title sha256=817997af2362488f13112b2f4e046bbc24842c807ec60c6d45a787bb3cb134ee",
      "api.github.com/search/repositories \"offer rent-to-own home housing construction cities\" url=https://api.github.com/search/repositories?q=offer%20rent-to-own%20home%20housing%20construction%20cities&per_page=10 sha256=4af480b8ee5b87b369a76c49bd22c9a783908272ebffbe97898f8ab0f0772a5f",
      "export.arxiv.org/api/query \"offer rent-to-own home housing construction cities\" url=https://export.arxiv.org/api/query?search_query=all%3Aoffer%20AND%20all%3Arent-to-own%20AND%20all%3Ahome%20AND%20all%3Ahousing%20AND%20all%3Aconstruction%20AND%20all%3Acities&start=0&max_results=10 sha256=c2f86c7ceeae11033ea104f7ef6af464ee5b8b83ca5c40d6aa0c765927e75f5b",
      "api.crossref.org/works \"offer rent-to-own home housing construction cities\" url=https://api.crossref.org/works?query=offer%20rent-to-own%20home%20housing%20construction%20cities&rows=10&select=DOI,title sha256=291853c788f0763e0a34243d41ee7ea69b54670efd9325510ad45e5f3dc4cd90"
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