The Haredi Housing Crisis

Ultra-Orthodox Jews, the Haredim, try to live lives as separate from the world as possible so they can follow their religious commandments. But the real world keeps impinging on them.


Few people know about the pyramids of haredi (ultra-orthodox) free-loan societies (Gma”chim), charitable funds which do not necessarily rely on generosity of donors (whose numbers have diminished in the past couple of years), but which answer the question: how do haredim pay for the apartments that they buy for their large numbers of children.

To obtain money (tens of thousands of dollars) from a free-loan society, partly as a loan and partly as a grant, the average haredi borrower puts aside a much smaller sum (a few dozen dollars) toward the free-loan society when a child is born or shortly thereafter. In this way, money coming in from young parents immediately goes out to older parents who have to marry off a child. With the haredi population’s impressive growth rate (about 6% per year) the model has worked marvelously as the pyramid has a growing base.

About Luke Ford

Raised a Seventh-Day Adventist at Avondale College in Australia, Luke Ford moved to California in 1977. He graduated from Placer High School in 1984, reported the news at KAHI/KHYL radio for three years, attended Sierra College and UCLA, was largely bedridden by Chronic Fatigue Syndrome for six years, and converted to Judaism in 1993. From 1997-2007, Luke made his living from blogging. Living by Beverly Hills (, he now teaches the Alexander Technique (moving the way the body likes to move). Lessons cost $100 each and last about 45 minutes. In 2011, Luke completed a three-year teaching course at the Alexander Training Institute of Los Angeles. His personal Alexander Technique website is Luke is the author of five books, including: » The Producers: Profiles in Frustration » Yesterday’s News Tomorrow: Inside American Jewish Journalism
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