Ceisteanna—Questions. Oral Answers. - Private House Purchase Scheme.
- Buying homes from distressed borrowers 8 speeches
Kirk proposed letting local authorities buy homes from borrowers struggling with mortgage payments and retain them as tenants. O’Brien opposed a general extension, citing possible queue-jumping and housing-programme problems, while explaining authorities may buy vacant or otherwise suitable homes.
Seamus Kirk, Fergus O'Brien, Thomas J. Fitzpatrick
- Purchases of semi-state housing 2 speeches
Daly asked whether the purchase scheme could cover homes built by semi-state organisations. O’Brien said councils may buy vacant homes when needed and are not restricted to particular types.
Brendan Daly, Fergus O'Brien
- Local discretion for families in hardship 13 speeches
O’Rourke asked whether councils should be allowed to let families remain in their homes as tenants when hardship warrants it; O’Brien would not endorse the practice generally but said councils may use discretion in extreme cases, as Westmeath had done. Procedural exchanges followed before the Chair moved to the next Deputy.
Mary O'Rourke, Thomas J. Fitzpatrick, Fergus O'Brien, Seamus Kirk
- Unused Garda houses in Monaghan 2 speeches
Leonard sought approval for Monaghan County Council to buy and let unused OPW houses built for Gardaí. O’Brien said purchase was permitted if the homes were suitable and noted councils were not making much use of the policy.
James Leonard, Fergus O'Brien
- Applications to extend the scheme 4 speeches
Kirk asked whether county managers had applied to extend the scheme to borrowers in difficulty. O’Brien lacked the information but agreed to provide it when available.
Seamus Kirk, Fergus O'Brien
asked the Minister for the Environment if he will consider extending the recently announced private house purchase scheme to allow local authorities to buy from house owners who are unable to meet mortgage repayments and then allow them to continue as occupants under the differential rent scheme.
Comment on this
The scheme under which local authorities may purchase private houses to supplement their rented stock is intended to enable authorities to provide houses where it has been established that housing needs exist and where it would not be possible for the authorities to provide suitable accommodation more economically or within a reasonable period of time.
I feel it would not be appropriate to extend this scheme in the manner suggested by the Deputy, particularly since it is understood that lending agencies adopt a sympathetic approach to mortgage holders who are in genuine difficulties and seek to come to a mutually acceptable arrangement to overcome these difficulties.
Comment on this
Would it not have been an ideal opportunity, given the serious difficulties which many people are encountering at present with mortgage repayments to various local authorities, for the Minister to take those people out of their difficulties by allowing them to remain in their houses as tenants under the differential rent scheme?
Comment on this
I do not think that would be a good idea as it might lead to many problems and anomalies in that people could perhaps jump a queue to get into a house. Many people, especially the lower income group, are availing of the Housing Finance Agency loan which takes unemployment into account and reduces the rent accordingly. It would not be in the best interests of a good local authority housing programme to do as Deputy Kirk suggests although I accept that the suggestion was made in good faith.
Comment on this
Has the Minister any information regarding the number of people who are in difficulties with their repayments to local authorities throughout the country? I am sure an increasing number of people are affected——
Comment on this
Powers have been given to local authorities to purchase private houses and there is no other way to come to terms with this problem, which will increase and multiply as time goes on.
Comment on this
We allow local authorities to purchase one off or groups of houses when they require houses urgently or where they want to get a greater social mix. They are not confined to new houses, they can buy secondhand ones, and they attempt to purchase vacant houses to accommodate as many people as possible. The Deputy seems to be advocating that local authorities should buy houses which are already occupied and that would not solve their housing problems.
Comment on this
Would the Minister consider extending the scheme into areas where semi-State organisations have provided houses? For instance, Shannon Free Airport Development Company have provided a substantial number of houses at Shannon Airport new town for their employees on the industrial estate. Bord na Móna have also provided accommodation for their employees and, therefore, would the Minister think it important to extend the scheme as I have suggested?
Comment on this
If houses become vacant, the local authorities have power to purchase them. We are not dictating the types of houses which they should buy; we are saying they may purchase houses if they require them for particular reasons.
Comment on this
Does the Minister accept that in isolated cases — I am speaking about County Westmeath — where the local authority have taken into account the financial circumstances of a couple or family and allow them to stay on in the house and pay rent, a council should continue that humane practice, especially in these difficult times?
Comment on this
I will not advocate that local authorities should engage in this activity but where local authorities see extreme conditions they can use their discretion.
Comment on this
There are Office of Public Works houses in Monaghan which were built for gardai but which are not now in use and we are awaiting approval from the Minister's Department for Monaghan County Council to purchase and let them. What is the position in this regard?
Comment on this
As I indicated to Deputy Daly, local authorities are entitled to do this. I am sure the Department will wish to ensure that the houses are suitable and, if that is the case, there will be no problem. This is part of our policy at present but, unfortunately, local authorities are not availing of this.
Comment on this
Has the Minister received applications in his Department from various county managers for permission to extend this scheme to the category of people I have in mind?