Would the Minister agree that the system of operation of the Housing Finance Agency makes it almost impossible for somebody who has obtained a loan under that scheme to move house again? While under any other type of loan, such as local authority or corporation in the old form, or building society, the payments were or are higher in the earlier years, whereas under the Housing Finance Agency system to continue the tradition of moving house is virtually impossible. I know that detailed submissions have been made regarding improvements in the conditions of such a loan. Does the Minister make any recognition of these, or does he discount the arguments of members of the construction industry about the benefit of changing the present proposals and the ceiling on the amount of loan which can be got?

In answer to the first supplementary question, I certainly must agree with the Deputy that there might be a difficulty in trading up, as a person might not have a balance of cash by simply selling off a house under this agency. That is undoubtedly a difficulty which I do not wish to hide from anybody who is considering this type of loan. However, this difficulty is pointed out at the very beginning when a person is considering taking out such a loan. One has to weigh against that the possibility of many people not being in a position to house themselves or reap the benefit of the HFA loans scheme. If we had to consider the loan simply on the basis of a trading-up situation, then that would not be quite fair to the people who now need to be housed and who would have to go on to the housing lists if the HFA loan was not there. I should say that I am considering certain changes in limits and so on.