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Dáil
‹ Ceisteanna—Questions. Oral Answers. - Mortgage Scheme.

Low-rise mortgage scheme

Summary

The Minister said the scheme would continue unchanged for now and reported 2,049 applications received by 30 November 1977. Members asked about reducing the one-year housing-list requirement and extending eligibility to childless couples; the Minister agreed to review possible improvements.

asked the Minister for the Environment if he proposes to maintain the low rise mortgage scheme; and the number of applications made to participate in this scheme from all over the country.

Comment on this

No change in the low rise mortgage scheme is proposed at present. However, the operation of the scheme is kept under review in my Department.

The most recent statistics available show that by 30 November 1977 a total of 2,049 loan applications under the scheme had been received by housing authorities.

Comment on this

I did not hear fully the first part of the answer. Is it the Minister's intention to maintain this scheme and possibly to expand it?

Comment on this

It is the intention to continue with it at the moment.

Comment on this

Would the Minister consider when looking at the scheme the possibility of reducing the time that people presently have to be on the housing list to, say, six months? Before they qualify for a low-rise mortgage loan at the moment they have to be on the housing list for a year. There are certain anomalies here, and I ask the Minister if he is aware that some people who have not renewed their application for housing through possible negligence——

Comment on this
Joseph Brennan An Ceann Comhairle Fianna Fáil

The Deputy is making a statement.

Comment on this

——do not realise that they have to renew it every year or so when the Corporation advertise, and therefore they do not qualify?

Comment on this
Joseph Brennan An Ceann Comhairle Fianna Fáil

Question No. 6.

Comment on this

Could I ask the Minister if he will amend that to six months?

Comment on this

The people who are entitled to avail of such loans are (a) an existing tenant or tenant-purchaser of a local authority house who will surrender his dwelling to the local authority on receipt of a loan to purchase a private house; (b) families of three or more persons at least one year prior to seeking a loan. That is the present case. I will have a look at this.

Comment on this
Jim Mitchell Mr. Mitchell Fine Gael

Is the Minister also aware of the problem in relation to childless couples? The provision is that there must be a family of three.

Comment on this

Three or more, yes.

Comment on this
Joseph Brennan An Ceann Comhairle Fianna Fáil

We are getting far away from the original question.

Comment on this
Jim Mitchell Mr. Mitchell Fine Gael

Will the Minister consider making some special allowance for childless couples who are already suffering a penalty in that they cannot have a child?

Comment on this

At the moment most of these can be improved on. I am prepared to have a look at this to see what improvements can be made.

Comment on this