http___www.welfare.ie_ga_Pages_Mortgage-Interest-Supplement.aspx_1.xml
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Information Mortgage Interest Supplement (MIS) provides short-term support to help you pay your mortgage interest repayments. From 1 January 2014, the Mortgage Interest Supplement scheme is closed to new entrants and no new applications will be accepted from this date. This measure does not affect current claimants immediately (people who were getting Mortgage Interest Supplement before 1 January 2014). The scheme will be wound down for these claimants over a 4-year period. If you are experiencing short-term mortgage difficulties your lender must support and engage with you under the Mortgage Arrears Resolution Process The website, keepingyourhome.ie, provides comprehensive information on the services and entitlements available if you are having difficulties making your mortgage repayments. Information for claimants getting MIS before 1 January 2014 Your interest is assessed as your gross monthly interest less mortgage interest relief and any mortgage allowance or mortgage subsidy payable towards the interest part of your mortgage by the local authority. You will only get assistance with the interest portion of your mortgage repayments. You will not get help with the portion that pays off the actual loan and house insurance. You should contact your lender to discuss repaying the actual loan. If you have a consolidated loan, only the interest portion of your loan that relates to the essential purchase, repair or maintenance of your home will be taken into account. The minimum contribution for couples towards Mortgage Interest Supplement increased from €35 to €40 per week (since 1 January 2014). This change applies to new and existing recipients. The minimum contribution for single people, including single people with children (currently €30), has not changed. Rules The Mortgage Interest Supplement (MIS) scheme is closed to new entrants from 1 January 2014 and will be wound down for existing recipients over a 4-year period. To qualify for Mortgage Interest Supplement you must meet the following conditions: - You must have made an application before 1 January 2014 - You must satisfy the means test - You must have entered into and complied with an alternative repayment arrangement with your mortgage lender for at least 12 months - You must have been able to afford the repayments when your loan agreement was first agreed - The amount of your mortgage interest payable is not more than what the Department considers reasonable to meet your residential and other needs* - Only the portion of your loan that relates to the essential purchase, repair or maintenance of your home is taken into account - The size of the arrears are not greater than what the Department considers reasonable - You are habitually resident in this State *In exceptional circumstances, the Department’s representative may award a supplement where the amount of mortgage interest payable by a person exceeds the amount the Department’s representative considers reasonable to meet his or her residential and other needs. This supplement is payable for a maximum of 12 months from the date of the claim. You can get MIS if your house is for sale. This means that people can engage in selling their home and continue to be eligible for MIS, subject to the other conditions of the MIS scheme. You won’t qualify for Mortgage Interest Supplement if: - You or your spouse, civil partner or cohabitant works more than 29 hours a week (for exceptions to this rule - see ‘Employment and Mortgage Interest Supplement' below) - You are involved in a trade dispute - You are attending full-time education (for exceptions to this rule - see 'Education and Mortgage Interest Supplement' below) - You are unlawfully in the State - You have made an application for asylum under the Refugee Act, 1996 and your application is awaiting final decision by the Minister for Justice and Equality - You have made an application under the Aliens Act, 1935 to remain in the State and this application has not been determined - You are admitted to an institution (for example, a hospital) for a period of in excess of 13 weeks Employment and Mortgage Interest Supplement You will not qualify for Mortgage Interest Supplement if you are in full-time employment. That is, employment for 29 hours per week or more. the case of couples, if one of a couple is in full time employment, both are excluded from claiming Mortgage Interest Supplement). However, there are special retention arrangements that may allow you to keep a proportion of your Mortgage Interest Supplement - for example, if you are participating in a Community Employment Scheme or getting a Back to Work Allowance or Back to Work Enterprise Allowance. Your gross household income must not exceed €317.43 per week. Back to Work Allowance, Back to Work Enterprise Allowance, Family Income Supplement (FIS), PRSI, reasonable travel expenses and any childcare allowance payable on certain SOLAS (formerly FÁS) training courses is not taken into account in the assessment of your gross household income. Under these special retention arrangements you will continue to get 75% of your Mortgage Interest Supplement rate during your first year in employment, 50% in the second year and 25% in the third and fourth year. After the fourth year you will no longer be entitled to Mortgage Interest Supplement if you are in employment. These retention arrangements also apply to people who have been unemployed for 12 months or more and who return to full-time employment and sign off their social welfare payment. In these cases gross household income must not exceed €317.43 per week. Education and Mortgage Interest Supplement You won’t qualify for Mortgage Interest Supplement if you are attending full-time education. However, if you are getting Mortgage Interest Supplement and qualify for the Back to Education Allowance (BTEA), you will keep an entitlement to Mortgage Interest Supplement. You will be means-tested and if you changed from a reduced social welfare payment to the standard BTEA rate it will affect the amount of supplement you get. Means test for Mortgage Interest Supplement When you apply for Mortgage Interest Supplement your means will be assessed. This will show how much of the mortgage interest you are able to pay. A means test examines all your sources of income. However, some income is not taken into account in the calculation of your means. You may qualify for Mortgage Interest Supplement if your income is below a certain amount and you meet the other conditions - see 'Rules' above. Income taken into account for Mortgage Interest Supplement - Net income from employment (this is gross income less PRSI and reasonable travel expenses. A child dependant aged 17 and under in full-time education will not have their income from employment taken into account for Mortgage Interest Supplement.) - Social welfare payments (there are some exceptions - see 'Income not taken into account' below) - Family Income Supplement - Cash income (for example, maintenance) - All income and the value of all property of which you may have deprived yourself in order to qualify - Capital (for example, savings, investments and property but not your own home) The capital value of property (except your own home), savings and investments are assessed on a weekly basis as follows: Redundancy payments A redundancy or lump sum payment will be assessed as capital, unless it has been used to reduce the balance of your mortgage or other outstanding loans. Income not taken into account when calculating Mortgage Interest Supplement When calculating your Mortgage Interest Supplement, the following income is not taken into account: - An amount equal to the Supplementary Welfare Allowance (SWA) rate for your household circumstances - Child Benefit - Mobility Allowance - Foster care payments from the Health Service Executive (HSE) - Payments for accommodating children under the Child Care Act - Income from Gaeltacht students - Grants or allowances from schemes promoting the welfare of blind people - Money received from charitable organisations, for example, St Vincent de Paul - Compensation awarded by the Compensation Tribunal in respect of Hepatitis C contracted from certain blood products, to those who have disabilities caused by Thalidomide and to those receiving compensation under the Residential Institutions Redress Board - Maintenance grants paid by VECs or local authorities for educational purposes (now replaced by the Student Grant Scheme) - Domiciliary Care Allowance - Respite Care Grant - Guardian's Payment (Contributory) and Guardian's Payment (Non-Contributory) - Fuel Allowance and the Living Alone Allowance - Pensioners: If you are aged 65 or over (or where one of a couple is of pensionable age) and have a combined household income greater than the rate of SWA appropriate to your household circumstances, the difference between the maximum rate of State Pension (Contributory) appropriate to your circumstance and the rate of SWA appropriate to your circumstances is not taken into account. - Carers' payments: The half-rate Carer's Allowance is never taken into account. - If you are getting Carer's Allowance, the amount of Carer's Allowance above the appropriate SWA rate for your situation (either the qualified adult rate for a couple or the personal rate of SWA) is not taken into account. So if you are one of a couple and getting Carer's Allowance the amount of Carer's Allowance being paid less the SWA qualified adult rate is not taken into account and if you are single or a lone parent the amount disregarded is the rate of Carer's Allowance being paid less the personal rate of SWA. - Any amount of Carer's Benefit in excess of the basic SWA rate for your situation (either the qualified adult rate or the personal rate of SWA) is not taken into account. - Rehabilitative earnings disregard: A certain amount of your income from rehabilitative work is not taken into account. If you are getting Disability Allowance or Blind Pension, €120 from rehabilitative training or employment is not taken into account in the assessment for Mortgage Interest Supplement. Any earnings over €120 from rehabilitative training or employment will affect your Mortgage Interest Supplement. If you are earning above €120 you can be assessed using whichever disregard is most in your interest - either the Rehabilitative earnings disregard or the Household income disregard (but not both). - Household income disregard: A certain amount of your household income above the appropriate SWA rate is not taken into account. €75 of any additional household income* is not taken into account. Also, 25% of additional household income over €75 is not taken into account. There is no upper limit on the amount that can be disregarded. *Additional household income is income from part-time employment or part-time self-employment, Family Income Supplement, Community Employment (CE), Back to Work Allowance, Back to Enterprise Allowance or FÁS course. Maintenance is also assessed as additional household income (see below). Maintenance and Mortgage Interest Supplement Maintenance is assessed as additional household income (see above) and maintenance payments up to €95.23 per week are assessed in full. The household income disregard (see above) applies to maintenance payments above this amount. For example, if your only additional household income is maintenance, all of your maintenance payment up to €95.23 per week is assessed in full. The household income disregard of €75 applies to sums above this, so that any maintenance between €95.23 and €170.23 is not taken into account. 25% of all maintenance over €170.23 is also not taken into account. Your contribution to mortgage interest (Household Contribution) You must pay at least €30 towards your mortgage interest. You may pay more than €30 because you must also contribute any means you have towards your mortgage interest. If you are one of a couple and are claiming Mortgage Interest Supplement you must pay at least €40 towards your mortgage interest. Rates Calculating Mortgage Interest Supplement Calculating your Mortgage Interest Supplement can be difficult. The Department of Social Protection's representative (formerly known as the Community Welfare Officer) in your local health centre decides whether you are eligible for Mortgage Interest Supplement and calculates the amount you get. The Department's representative adds together any income taken into account in the means test for Mortgage Interest Supplement. They then subtract any income not taken into account. Your remaining income and Household Contribution are added together to find your contribution to your mortgage interest - see 'Means test' above. Find out more about Calculating Mortgage Interest Supplement. The Mortgage Interest Supplement payable to you is the difference between your actual mortgage interest and your contribution to mortgage interest, as long as the difference between the two is a reasonable amount to meet your residential needs. Generally the Department's representative will ensure that your income after paying the interest on your mortgage does not fall below a minimum level. This level is the Supplementary Welfare Allowance minus €30 (€40 for couples). How to apply From 1 January 2014, the Mortgage Interest Supplement scheme is closed to new entrants and no new applications will be accepted from this date. Appealing a decision If you are not satisfied with a decision made in relation to Mortgage Interest Supplement, first find out why the decision was made by asking the Department of Social Protection's representative (formerly known as the Community Welfare Officer), who will give you the reasons in writing. You should provide any extra documentation to back up your case. If the decision is not changed, you are entitled to have the appeal referred to the Social Welfare Appeals Office. You can ask for a face-to-face hearing and you can bring along a representative to help you argue your case. From 1 January 2014, the Mortgage Interest Supplement scheme is closed to new entrants and no new applications will be accepted from this date. Further information The new income disregards came into effect on 5 June 2007. Claims made before 5 June 2007 were assessed using the old income disregards (see below). All existing Mortgage Interest Supplement claims in payment on 5 June 2007 will be reviewed and assessed using both the current income disegards and the old income disregards. If you would get more Mortgage Interest Supplement using the old income disregards, you will continue to be assessed using the old rules until a change in circumstances triggers a review. A change in circumstances would include, for example a change in household income or a break in your claim for more than 13 weeks. Income disregards for Mortgage Interest Supplement claims before 5 June Income from the following sources was not taken into account in the assessment of Mortgage Interest Supplement claims made before 5 June 2007: - Family Income Supplement - Child Benefit - Mobility Allowance - Foster care payments from the Health Service Executive - Payments for accommodating children under the Child Care Act - Income from Gaeltacht students - Grants or allowances from schemes promoting the welfare of blind people - Money received from charitable organizations, for example, St Vincent de Paul - Compensation awarded by the Compensation Tribunal in respect of Hepatitis C contracted from certain blood products, to those who have disabilities caused by Thalidomide and to those receiving compensation under the Residential Institutions Redress Board - Maintenance grants paid by Local Authorities for Higher Education - €60 of additional income from part-time employment, including Community Employment Schemes. If your earnings from employment are between €60 and €90 only half of your earnings between €60 and €90 is taken into account. (For example, if you are earning €90 only €15 is taken into account) - €60 of additional income from participation in approved training courses, for example, FÁS skills training courses. If your earnings are between €60 and €90 only half of your earnings between €60 and €90 is taken into account. For example, if you are earning €90 only €15 is taken into account - €120 from rehabilitative training or employment if you are in receipt of Disability Allowance. Any earnings over €120 from rehabilitative training or employment will affect your Rent Supplement - If you are on a One-Parent Family Payment, up to €95.23 of maintenance payments is deemed to be for rent. Half of any amount above this is taken into account as means, and will affect your One-Parent Family Payment. The first €95.23 of any maintenance you receive is taken into account when calculating your Rent Supplement, but maintenance above €95.23 euro up to a limit of €155.23 is disregarded. Half of any maintenance you get between €155.23 and €185.23 is taken into account. All maintenance above €185.23 is taken into account when calculating your Rent Supplement. - Income from employment with the HSE as a Home-Help - Domiciliary Care Allowance
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Eolas Tugann Fordheontas Ús Morgáiste tacaíocht ghearrthéarmach chun cabhrú leat d’íocaíochtaí ús morgáiste a íoc. Ó 1 Eanáir 2014, tá deireadh leis an scéim Forlíonadh Ús Morgáiste d'iarratasóirí nua agus ní ghlacfar aon iarratas nua ón dáta seo. Ní bhainfidh an beart seo le héilitheoirí reatha láithreach (daoine a fhaigheann Forlíonadh Ús Morgáiste roimh 1 Eanáir 2014. Tiocfaidh an scéim chun críche d’éilitheoirí reatha thar thréimhse 4 bhliain. Déanann ár ndoiciméad Fiachas morgáiste agus cóid um chosaint tomhaltóirí cur síos ar cad is féidir leat a dhéanamh má tá riaráistí morgáiste i gceist. Cuireann an láithreán gréásáin, keepingyourhome.ie , faisnéis chuimsitheach ar fáil ar na seirbhísí agus na teidlíochtaí atá ar fáil má bhíonn deacrachtaí agat agus d’aisíocaíochtaí morgáiste á ndéanamh. Eolas d'éilitheoirí ag fáil MIS roimh 1 Eanáir 2014 Ní thabharfar cúnamh duit ach amháin le sciar úis na haisíocaíochtaí morgáiste atá agat. Ní thabharfar cúnamh duit leis an sciar a íocann an iasacht iarbhír agus árachas tí. Ba chóir duit teagmháil a dhéanamh le d’iasachtóir chun aisíoc na hiasachta iarbhír a phlé. Má tá iasacht chomhdhlúite agat, ní ghlacfar san áireamh ach an chuid úis de d’iasacht a bhaineann leis an gceannach riachtanach, deisiú nó cothabháil do thí. Rialacha Ó 1 Eanáir 2014, tá deireadh leis an scéim Forlíonadh Ús Morgáiste d'iarratasóirí nua agus ní ghlacfar aon iarratas nua ón dáta seo. Chun cáiliú d’Fhorlíonadh Ús Morgáiste‚ ní mór duit na coinníollacha a leanas a shásamh: - Ní mór duit bhfuil iarratas roimh an 1 Eanáir, 2014 - Ní mór duit an tástáil mhaoine a shásamh - Níor mhór gur iontráil tú agus gur chloígh tú le socruithe malairtíocaíochta le d’iasachtaí morgáiste ar feadh 12 mhí ar a laghad - Níor mhór go raibh tú in ann íoc as na haisíocaíochtaí nuair a rinneadh do chomhaontú morgáiste a chomhaontú i dtosach - Ní sháraíonn an méid ús morgáiste atá iníoctha ná é sin a mheasann an Roinn Coimirce is réasúnta chun freastal ar do riachtanais chónaithe agus eile - Ní chuirtear ach an chuid sin de d’iasacht a bhaineann leis an gceannach‚ deisiú nó cothabháil riachtanach do thí san áireamh - Ní mó méid na riaráistí ná é sin a mheasann an Roinn atá réasúnta - Tá gnáthchónaí ort sa Stát seo. *Má tá méid an úis mhorgáiste is iníoctha ag duine os cionn méid a mheasann an Roinn atá réasúnta chun do riachtanais chóiríochta agus riachtanais eile a chomhlíonadh, i gcúinsí eisceachtúla is féidir le hionadaí na Roinne Coimirce Sóisialaí forlíonadh a bhronnadh. Íoctar an forlíonadh seo ar feadh uasmhéid 12 mhí ó dháta éilimh. Ní bheifear incháilithe d’Fhordheontas Ús Morgáiste má tá: - Tá do theach ar díol - Oibríonn tú féin nó do chéile/pháirtnéir sibhialta/chomhchónaitheoir níos ná 29 n-uaire in aghaidh an seachtaine. (Chun eisceachtaí na rialach seo a fheiceáil, féach ar ‘Fostaíocht agus Fordheontas Ús Morgáiste’ thíos) - Tá tú bainteach le díospóid trádála - Tá tú ag freastal ar oideachas lánaimseartha (chun eisceachtaí na rialacha seo a fheiceáil - féach ar ‘Oideachas agus Fordheontas Ús Morgáiste’ thíos) - Tá tú sa Stát go neamhdhleathach - Tá iarratas déanta agat ar thearmann faoi Acht na nDídeanaithe, 1996 agus táthar ag feitheamh ar chinneadh deiridh an iarratais ón Aire Dlí agus Cirt agus Comhionannais. - Tá iarratas déanta agat faoi Acht na nEachtrannach, 1935 chun fanacht sa Stát agus níl cinneadh déanta faoin iarratas - Glactar in institiúid tú (mar shampla, ospidéal) ar feadh tréimhse níos faide ná 13 seachtain. Fostaíocht agus Fordheontas Ús Morgáiste Ní bheifear incháilithe d’Fhordheontas Ús Morgáiste má tá fostaíocht lánaimseartha agat. Sin fostaíocht de 30 uair nó níos mó in aghaidh na seachtaine. (I gcás lánúineacha, má tá fostaíocht lánaimseartha ag duine den lánúin, bíonn an bheirt eisiata ó Fhordheontas Ús Morgáiste a éileamh). Mar sin féin, tá socruithe coinneála speisialta ann a thugann féidearthacht duit maidir le codán den bhFordheontas Ús Morgáiste a choinneáil. Socruithe coinneála speisialta Is féidir leanúint ag fáil Fordheontais Ús Morgáiste nuair atá tú i mbun fostaíochta faoi shocruithe coinneála speisialta, mar shampla, má tá tú rannpháirteach i Scéim Fostaíochta Pobail nó ag fáil Liúntas um Fhilleadh ar Obair Ní féidir leis an oll-ioncam teaghlaigh bheith níos mó ná €317.43 sa tseachtain. Is féidir neamhaird a dhéanamh de Liúntas um Fhilleadh ar Obair, Forlíonadh Ioncaim Teaghlaigh (FIT) , ÁSPC , costais taistil réasúnta agus liúntas cúraim leanaí ar bith ar chúrsaí oiliúna áirithe sa mheasúnú den teorainn ioncam sheachtainiúil de €317.43. Faoi na socruithe coinneála speisialta seo, leanfaidh tú ag fáil 75% den ráta Fordheontais Úis Mhorgáiste sa chéad bhliain fostaíochta, 50% sa dara bliain agus 25% sa tríú agus ceathrú bliain. Tar éis an ceathrú bliain, ní bheifear incháilithe d’Fhordheontas Ús Morgáiste níos mó má táthar i mbun fostaíochta. Baineann na socruithe coinneála seo le daoine a bhí dífhostaithe ar feadh 12 mhí nó níos faide agus a fhilleann ar fhostaíocht lánaimseartha agus a chuireann deireadh lena n-íocaíocht leasa shóisialaigh. Sna cásanna seo, níor cheart go sáródh ollioncam teaghlaigh €317,43 sa tseachtain. Oideachas agus Fordheontas Ús Morgáiste Ní cháileoidh tú d’Fhordheontas Ús Morgáiste má tá tú ag freastal ar oideachas lánaimseartha. Má tá Fordheontas Ús Morgáiste á fháil agat, áfach, agus go gcáilíonn tú don Liúntas um Fhilleadh ar an Oideachas , coinneoidh tú an teidlíocht do Fhordheontas Ús Morgáiste. Déanfar tástáil acmhainne ort, agus má d’athraigh tú ó íocaíocht leasa shóisialaigh laghdaithe go dtí an ráta Liúntais um Fhilleadh ar an Oideachas beidh tionchar aige seo ar an méid den fhordheontas a fhaigheann tú. Tástáil acmhainne i gcomhair Fordheontas Ús Morgáiste Nuair a dhéanann tú iarratas ar Fhordheontas Ús Morgáiste, déanfaidh an tOifigeach Leasa Pobail measúnú ar d’acmhainní. Taispeánfaidh sé seo don Oifigeach Leasa Pobail cén mhéid den ús morgáiste is féidir leat a íoc. Déanann tástáil acmhainne iniúchadh ar gach foinse ioncaim atá agat. Ní chuirtear ioncam áirithe, áfach, san áireamh nuair atá d’acmhainn á ríomh. D’fhéadfadh sé go gcáileodh tú don Fhordheontas Ús Morgáiste má tá d’ioncam faoi mhéid áirithe agus go gcomhlíonann tú na coinníollacha eile - féach ‘Rialacha’ thíos. Ioncam atá tógtha san áireamh d’Fhordheontas Ús Morgáiste - Ioncam glan ó fhostaíocht (sin ioncam comhlán lúide ÁSPC agus costais taistil réasúnta. Má bhíonn leanbh cleithiúnach faoi 18 mbliana d'aois agus in oideachas lánaimseartha, ní ghlacfar a hioncam ó fhostaíocht san áireamh.) - Íocaíochtaí leasa shóisialaigh (tá eisceachtaí áirithe ann, féach ‘Ioncam nach gcuirtear san áireamh’ thíos) - Forlíonadh Ioncaim Teaghlaigh - Ioncam in airgead tirim (mar shampla, cothabháil) - Ioncam agus luach na maoine ar fad go mb’fhéidir gur choinnigh tú uait féin le bheith incháilithe - Caipiteal (mar shampla, maoin seachas do theach féin, coigiltis agus infheistíochtaí) Déanfar luach caipitil maoine (seachas do theach féin), infheistíochtaí agus coigiltis a mheasúnú ar bhonn seachtainiúil mar seo a leanas: Íocaíochtaí iomarcaíochta Breathnófar ar íocaíocht iomarcaíochta nó íocaíocht cnapshuime mar chaipiteal, mura úsáideadh í chun iarmhéid do mhorgáiste nó iasachtaí eile a laghdú. Ioncam nach gcuirtear san áireamh nuair atá Fordheontas Ús Morgáiste á ríomh Nuair atá Fordheontas Ús Morgáiste á ríomh, ní thógfaidh an tOifigeach Leasa Pobail (OLP) ioncam ó fhoinsí a leanas san áireamh: - Ráta Liúntas Leasa Forlíontach (LLF) do chúinsí teaghlaigh atá agat - Sochar Leanaí - Liúntas Gluaiseachta - Íocaíochtaí um chúram altrama ó Fheidhmeannacht na Seirbhíse Sláinte - Íocaíochtaí as cóiríocht a thabhairt do leanaí faoin Acht um Chúram Leanaí - Ioncam ó mhic léinn ag freastal ar an nGaeltacht - Deontais nó liúntais ó scéimeanna a chuireann leas na ndall chun cinn - Airgead a fhaightear ó eagraíochtaí carthanachta, mar shampla, Cumann Naomh Uinseann de Pól - Cúiteamh a dhámh an Bord um Shásamh maidir le Heipitíteas C fuarthas ó tháirgí fola áirithe, dóibh siúd a bhfuil míchumais orthu mar gheall ar Tailídimíd agus dóibh siúd a bhfuil cúiteamh á fháil acu ón mBord um Shásamh i leith Foras Cónaithe - Deontais chothabhála arna íoc ag an gCoiste Gairmoideachais nó ag na hÚdaráis Áitiúla chun críocha oideachasúla - Liúntas Cúram Baile - Liúntas Breosla agus an Liúntas do Mhaireachtáil Aonair - Pinsinéirí: Má tá tú 65 bliain d’aois nó níos sine (nó sa chás go bhfuil aois an phinsin bainte amach ag duine den chúpla) agus má tá ioncaim teaghlaigh chomhcheangailte níos mó ná an ráta SWA iomchuí do do chúinsí teaghlaigh, ní thógfar an difríocht idir an ráta íosta de Phinsean Stáit (Ranníocach) iomchuí le do chúinsí agus an ráta LLF iomchuí le do chúinsí san áireamh. - Íocaíochtaí cúramóirí: Ní thógfar Liúntas Cúramóra leath-ráta san áireamh riamh. - Má tá tú ag fáil Liúntas Cúramóra, ní thógfar méid an liúntais thar an ráta LLF iomchuí do do chúinsí (an ráta do dhuine fásta cleithiúnach do chúpla nó an ráta LLF pearsanta) san áireamh. Mar sin, más duine de chúpla thú agus má tá tú ag fáil Liúntas Cúramóra, ní thógtar méid an Liúntais Cúramóra atá á íoc lúide an ráta duine fásta cleithiúnach LLF san áireamh agus más duine singil nó más tuismitheoir aonair thú is é an mhéid ar a ndéantar neamhaird uirthi ná ráta an Liúntais Cúramóra atá á íoc lúide an ráta pearsanta de LLF. - Ní thógtar méid ar bith de Shochar Cúramóra thar an bunráta LLF do do chúinsí (an ráta duine fásta cleithiúnach nó an ráta pearsanta LLF) san áireamh. - Deontas Cúraim Faoisimh - Íocaíocht Chaomhnóra (Ranníocach) agus Íocaíocht Chaomhnóra (Neamh-Ranníocach) - Neamhaird Tuillimh Athshlánúcháin is ea méid áirithe den ioncam atá agat ó obair athshlánúcháin nach dtógtar san áireamh. Má tá Liúntas Míchumais nó Pinsean na nDall á fháil agat, ní thógtar €120 ó oiliúint nó fostaíocht athshlánúcháin san áireamh sa mheasúnú maidir le Fordheontas Ús Morgáiste. Tógtar gach tuilleamh os cionn €120 ó oiliúint nó fostaíocht athshlánúcháin san áireamh agus beidh tionchar aige ar an bhFordheontas Ús Morgáiste atá agat. Má tá tú ag tuilleamh os cionn €120, is féidir measúnú a dhéanamh ort trí Neamhaird Tuillimh Athshlánúcháin nó Neamhaird Ioncaim Teaghlaigh a úsáid (ní féidir an dá cheann a úsáid), cibé atá chun do leasa. - Is méid áirithe é an Neamhaird Ioncaim Teaghlaigh de d'ioncam teaghlaigh nach dtugtar san áireamh. Lena chois sin, ní thugtar €75 de ioncam teaghlaigh bhreise'ar bith san áireamh. Ní thógtar 25% den ioncam teaghlaigh bhreiseatá agat os cionn €75 san áireamh freisin. Níl aon uasteorainn ar an méid gur féidir neamhaird a dhéanamh de. *Ioncam teaghlaigh bhreise is ea ioncam ó fhostaíocht pháirtaimseartha nó féinfhostaíocht pháirtaimseartha, Forlíonadh Ioncaim Teaghlaigh, Fostaíocht Pobail (FP), Liúntas um Fhilleadh ar Obair, Liúntas Fiontraíochta um Fhilleadh ar Obair nó cúrsa FÁS. Déantar cothabháil a mheasúnú mar ioncam teaghlaigh bhreise freisin (féach thíos). Cothabháil agus Fordheontas Ús Morgáiste Déantar cothabháil a mheasúnú mar 'ioncam teaghlaigh bhreise' (féach thuas) agus déantar íocaíochtaí chothabhála suas go dtí €95.23 in aghaidh na seachtaine a mheasúnú ar an iomlán. Baineann an Neamhaird Ioncaim Teaghlaigh le híocaíochtaí chothabhála os cionn an méid seo. Mar shampla, más cothabháil an t-aon ioncam breise atá agat, déantar d’íocaíocht chothabhála ar fad suas go dtí €95.23 in aghaidh na seachtaine a mheasúnú ar an iomlán. úsáidtear Neamhaird Ioncaim Teaghlaigh. Más cothabháil an t-aon ioncam breise atá agat, a mheasúnú ar an iomlán. Baineann an Neamhaird Ioncaim Teaghlaigh €75 le suimeanna os cionn €95.23 agus dá bhrí sin ní chuirtear aon chothabháil idir €95.23 agus €170.23 san áireamh. Lena chois sin, ní thógtar 25% de chothabháil ar fad os cionn €170.23 san áireamh. Do ranníocaíocht maidir le hús morgáiste (Ranníocaíocht Teaghlaigh) Ní mór duit ar a laghad €30 a íoc i dtreo d’ús morgáiste. Féadfaidh tú breis agus €30 a íoc de bharr nach mór duit cur le haon mhaoin atá agat i dtreo d’ús morgáiste. Más lánúin thú, agus má tá Forlíonadh Ús Morgáiste á éileamh agat, ní mór duit ar a laghad €40 a íoc i dtreo d’ús morgáiste. Rataí Fordheontas Ús Morgáiste a Ríomh Is féidir leis a bheith casta d’Fhordheontas Ús Morgáiste a ríomh. Déanfaidh an tOifigeach Leasa Pobail i d’oifig sláinte áitiúil cinneadh an bhfuil tú incháilithe d’Fhordheontas Ús Morgáiste agus an méid a bheidh le fáil agat a ríomh. Suimeoidh an tOifigeach Leasa Pobail (OLP) d’ioncam ar fad le chéile, a thógtar san áireamh sa tástáil mhaoin don Fhordheontas Ús Morgáiste -féach thuas. Bainfidh an OLP ioncam ar bith nach bhfuil curtha san áireamh ansin Déantar d’ioncam ag Ranníocaíocht Teaghlaigh atá fágtha a shuimiú le chéile chun do ranníocaíocht don ús morgáiste atá agat a fháil - féach thuas. Faigh tuilleadh eolais maidir le conas Forlíonadh Ús Morgáiste a ríomh An Fordheontas Ús Morgáiste atá iníoctha leat ná an difríocht idir ús morgáiste iarbhír agus do ranníocaíocht don ús morgáiste, cibé fad is méid réasúnach chun do riachtanais cónaithe a freastal é an difríocht. Is féidir d’Oifigeach Leasa Pobail na huasleibhéil cíosa maidir le Forlíonadh Cíos a úsáid chun cinnidh faoin méid réasúnach a dhéanamh. Go ginearálta, cinnteoidh an OLP nach dtitfidh d’ioncam, tar éis ús a íoc ar do mhorgáiste, faoi bhun an leibhéil íosmhéide. An leibhéal seo ná Liúntas Leasa Forlíontach lúide €30 ó €40. Conas iarratas a dhéanamh Ó 1 Eanáir 2014, tá deireadh leis an scéim Forlíonadh Ús Morgáiste d'iarratasóirí nua agus ní ghlacfar aon iarratas nua ón dáta seo. Ní bhainfidh an beart seo le héilitheoirí reatha láithreach (daoine a fhaigheann Forlíonadh Ús Morgáiste roimh 1 Eanáir 2014. Achomharc ar chinneadh atá déanta Mura bhfuil tú sásta le cinneadh maidir le Fordheontas Ús Morgáiste, faigh amach ar dtús cén fáth atá leis an gcinneadh trí theagmháil a dhéanamh leis an Oifigeach Leasa Pobail, a thabharfaidh na cúiseanna duit i scríbhinn. Má tá cáipéisíocht bhreise ar bith agat mar thacaíocht le do chás, tabhair iad seo don Oifigeach Leasa Pobail. Ina dhiaidh sin, labhair leis an Maoroifigeach Leasa Pobail faoin gcinneadh. Is féidir leo an cinneadh a athrú má thuilleann do chás sin.