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Table of Contents PART 1 INTRODUCTION 1.1 Purpose of Mortgage Interest Supplement 1.2 Administration 1.3 Legislation ENTITLEMENT 2.1 Qualifying Conditions 2.2 Disqualifications MEANS ASSESSMENT 3.1 Standard Assessment 3.2 What Counts as Means 3.3 What does Not Count as Means 3.4 Income Disregards 3.5 Assessment of Property & Savings Exemptions 4.1 Training and Employment Exemptions 4.2 Moving Between Schemes 4.3 Open Market Employment After 12 Months Unemployed 4.4 Asylum Seekers 4.4.1 Payments to people not retaining Mortgage Interest Supplement who take up employment Back to Education Programme & MIS 5.1 Back to Education Allowance (BTEA) 5.2 Part time Education, Training & Development Courses 5.3 Vocational Training Opportunity Scheme (VTOS) PART 2: APPLICATION, ASSESSMENT AND DECISION PROCEDURES PART 1 INTRODUCTION 1.1 Purpose of Mortgage Interest Supplement The purpose of Mortgage Interest Supplement is to provide short term income support to eligible people who are unable to meet their mortgage interest repayments in respect of a house which is their sole place of residence. The supplement assists with the interest portion of the mortgage repayments only. The capital element of the repayment is not taken into account in calculating the amount of supplement payable as it is not considered appropriate that the Exchequer should repay part of the initial loan and thereby provide assistance towards the accumulation of a capital asset on the part of the individual concerned. 1.2 Administration Applications for Mortgage Interest Supplement can be made to your local Department of Social Protection Office administering Supplementary Welfare Allowance. 1.3 Legislation - Chapter 9 of Part 3 and Chapter 3 of Part 10 of the Social Welfare (Consolidation) Act, 2005 (as amended) - Part 4 of Schedule 3 of the Social Welfare (Consolidation) Act 2005 Rules as to Calculation of Means (as amended) - Social Welfare (Consolidated Supplementary Welfare Allowance) Regulations 2007 to 2011 Entitlement 2.1 Qualifying Conditions A person may be entitled to a supplement towards the amount of mortgage interest payable in respect of his or her residence provided that: s/he has at the time of application engaged with his/ her mortgage lender in order to meet his / her mortgage repayment obligations, and has entered into and complied with an alternative repayment arrangement for a period of not less than 12 months. The loan agreement was entered into at a time when, in the opinion of the Department’s representative, the person was in a position to meet the repayments. - He or she is habitually resident in the State The Department’s representative must be satisfied in all cases that: - The amount of the mortgage interest payable by the claimant does not exceed such amount as the Department’s representative considers reasonable to meet his or her residential and other needs. - It is reasonable to award a supplement having regard to the amount of any arrears outstanding on the loan. In exceptional circumstances, the Department’s representative may award a supplement where the amount of mortgage interest payable by a person exceeds such amount as the Department’s representative considers reasonable to meet his or her residential and other needs. Such supplement is payable for a maximum of 12 months from the date of the claim. 2.2 Disqualification from Mortgage Interest Supplement Certain categories of people are excluded from receipt of Mortgage Interest Supplement. These include: - A claimant or their spouse/partner who is engaged in full time employment, defined as more than 29 hours a week. (See Section 4 for exceptions) - People involved in a trade dispute. However, the dependant spouse and dependant children of a person involved in trade dispute are not excluded from SWA for the period of the strike - People engaged in full time education (See Section 4 for exceptions) - People unlawfully in the State - People who have made an application for asylum under the Refugee Act, 1996 and such application is awaiting final decision by the Minister for Justice and Equality - People who have made an application under the Aliens Act, 1935 to remain in the State and such application has not been determined - people admitted to an institution for a period of in excess of 13 weeks STANDARD ASSESSMENT 3.1 Standard Assessment Rent Supplement is normally calculated to ensure that a person, after the payment of his or her mortgage interest, has an income equal to the rate of SWA appropriate to their family circumstances less a minimum contribution which recipients are required to pay from their own resources. The weekly minimum contribution is €30 for single adult households and €40 for coupled households. Many recipients pay more than this amount because recipients are also required, subject to income disregards, to contribute any additional assessable means that they have over and above the appropriate basic SWA rate towards their accommodation costs. A further minimum contribution is also payable in respect of each non-dependent adult household member. It is custom and practice to reduce the Mortgage Interest Supplement payable by at least €30 in respect of each non-dependent household member who is in receipt of a Social Welfare payment or income from employment. 3.2 What Counts as Means - Any income from employment, self employment or a training and educational scheme such as Community Enterprise (CE), Back to Education Allowance (BTEA) and Back to Work Allowance (BTW) - Family Income Supplement - The capital value of investments, savings & value of property other than the claimant's own home. - All income and the value of all property of which the claimant deprived himself/herself in order to qualify for SWA. - Income in cash e.g. maintenance payments. 3.3 What Does Not Count as Means The following items are not counted in the means test for Mortgage Interest: - Child benefit, including equivalent payments from other EU countries - Mobility Allowance - Guardian's Payment Contributory or Non Contributory - Payments received from the Health Service Executive for Foster children. - Payments for accommodating children under the Child Care Act. - Income from Gaeltacht students - Domiciliary Care Allowance - Grants or allowances arising in pursuance of a scheme promoting the welfare of blind people. - Money received from charitable organisations e.g. St. Vincent de Paul - Compensation awarded by the Compensation Tribunal in respect of Hepatitis C contracted from certain blood products, compensation paid 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. - Respite Care Grant 3.4 Income Disregards The following are the principal income disregards which apply in the calculation of means for Mortgage Interest Supplement purposes: Pensioner Disregard Carer's Allowance Disregard Half Rate Carer's Allowance Disregard Additional Income Disregard EUR 120 of earnings from Rehabilitative Employment Pensioner disregard A special income disregard exists for those aged 65 years or over. Any additional income equal to the difference between the maximum rate of State (Contributory) Pension and the Supplementary Welfare Allowance appropriate to his or her circumstances can be disregarded. In effect, any single person aged 65 or over with income equivalent to the value of the maximum rate of State (Contributory) Pension should only make the minimum contribution of €30 per week. A pensioner couple who both have a State (Contributory) Pension payable at the maximum rate - and have no other income - should contribute €40 per week towards their mortgage interest payment. Carer's Allowance disregard The rules governing the means test for Mortgage Interest Supplement provide for a disregard of income derived from Carer's Allowance In the case of a couple, where either spouse is a recipient of Carer's Allowance, the amount to be disregarded is: the rate of Carer's Allowance in payment less the SWA adult dependant rate In the case of a single person or a Lone Parent in receipt of Carer's Allowance, the amount disregarded is: the rate of Carer's Allowance in payment less the personal rate of SWA Half Rate Carer's Allowance Disregard From 27th September 2007, all income received in respect of half rate Carer's Allowance made under Section 24 of the SW & Pensions Act 2007 is disregarded in full. Additional Income Disregard The 'additional income disregard' refers to the amount of additional income from certain sources, over and above the appropriate SWA rate, that can be disregarded The 'additional income disregard' was introduced with effect from 6 June 2007 as follows: -Disregard the first €75 of "additional income" -Disregard 25% of "additional income" over €75 -There is no upper limit on the amount that can be disregarded The "additional income" is the amount of income in excess of the SWA rate, applicable to household circumstances and includes income derived from: -Part time or employment or self employment -Any employment or training scheme i.e. CE, BTWA, BTWEA or FAS course -Family Income Supplement with effect from 6th June 2007 -Maintenance Payments in excess of €95.23The first €95.23 per week of maintenance payments is assessable in full for the purpose of the Mortgage Interest Supplement Scheme. The amount of maintenance over €95.23 per week that can be disregarded is €75 per week with 25% of any maintenance in excess of €170.23 (€95.23 + €75) also disregarded. For persons participating in approved training courses, any lunch or travel allowances that are paid may also be disregarded. Certain training courses now provide a childcare allowance to participants on certain courses. These childcare allowances are treated in the same manner as a lunch or travel allowance and disregarded. Rehabilitative Employment Up to €120 of earnings from rehabilitative employment can be disregarded. However, this disregard cannot be applied together with 'the additional income disregard'. Only one such disregard can be applied, whichever is most beneficial. 3.5 Assessment of Property and Savings Capital (savings and investments) and the value of property owned but not personally used or enjoyed is assessed as means. Where capital or property is assessed on this basis, any income received from its use (e.g. interest on savings, dividends from shares, rent from property let) is not assessed as cash income. Instead, the following formula is used to establish weekly means: - Disregard first €5,000 of capital value of property/savings - Assess next €10,000 @ €1 per €1,000 - Assess next €25,000 @ €2 per €1,000 - Assess remaining capital over €40,000 @ €4 per EUR 1,000. EXEMPTIONS 4.1 Training and Employment Exemptions Special arrangements are in place to allow a person to participate in approved employment or training schemes or engage in full time employment and retain his/her entitlement to Mortgage Interest Supplement The primary conditions for retaining Mortgage Interest Supplement are that: - gross household income must not exceed €317.43 per week Note: Any amount of Back to Work Allowance (BTWA), Family Income Supplement (FIS), PRSI, reasonable travel expenses and any childcare allowance payable on certain training courses can be disregarded in the assessment of the €317.43 weekly income limit. - The supplement is retained on a tapered basis for up to 4 years. In year 1, the amount of supplement payable will be 75% of the supplement in payment prior to commencing the scheme. In year 2, it reduces to 50% and then to 25% in years 3 and 4. These arrangements are specific to Mortgage Interest Supplement and are no longer applicable to Rent Supplement Participation in Approved Employment Schemes Subject to certain conditions, people participating in the approved employment schemes listed below may retain a portion of their Mortgage Interest Supplement: - Back to Work Allowance (BTWA) - Back to Work Enterprise Allowance (BTWEA) - VLTU Back to Work Scheme see note following * - Community Employment (CE) - Job Initiative - Revenue Job Assist - Workplace - Social Economy Programme (granted aided employees) - Rural Social Scheme * VLTU Back to Work scheme The Programme is targeted at those who are at least five years on the Live Register. During an initial 6 weeks training, participants receive a travel/meal allowance of €44.50 per week. This allowance and any payments employers may give them during this period are disregarded. From the seventh week, where participants opt for the Back to Work scheme, Mortgage Interest Supplements may be retained on the same basis as any other recipient of BTWA. Participants may also receive two separate €253.95 once off payments which are disregarded in the assessment of entitlement to a Mortgage Interest Supplement payment. * Option of standard SWA rules assessment People participating in Back to Work and Community Employment schemes, or those on other approved employment schemes, who work less than 30 hours per week, have the option of being assessed under either standard rules or under the retention rules outlined above and will be entitled to receive payment under the more favourable option in their situation. 4.2 Changing Employment Scheme Where a person moves from one employment scheme to another, for example from Community Employment to Back to Work, the four year cycle for tapered retention of Mortgage Interest Supplement dates from the commencement of the first scheme. In cases where 12 months or more have elapsed since the completion of the previous scheme, claimants should be regarded as first time applicants starting a new cycle. 4.3 Full-time Employment after 12 Months Unemployed Where a person, who has been unemployed for 12 months or more, secures open market employment they may retain Mortgage Interest Supplement on the same tapered basis that applies to those participating in employment schemes, (75% in year 1, 50% in year 2, 25% in years 3 and 4), provided that: - He or she has been unemployed (but not certified unfit for work) for at least 12 months immediately prior to taking up employment, - He or she signs off his or her FS, Social Welfare or Health Service Executive payment , - The new job is full time i.e. at least 30 hours per week, - Gross household income does not exceed €317.43 per week (Family Income Supplement, PRSI + reasonable travel expenses, if applicable, are disregarded). This option only refers to retention of Mortgage Interest Supplement and does not extend to people who were not already in receipt of the supplement immediately prior to taking up employment. The option of a Standard SWA rules assessment does not apply in these cases 4.4 Asylum Seekers In general, asylum seekers are not allowed to work while their claim for asylum is being processed, however, asylum seekers who arrived in the State on or before 26 July 1999 and who were awaiting a final determination on their claim for asylum for 12 months or more were granted permission to seek employment. Entitlement to Mortgage Interest Supplement is assessed as at 5.1 to 5.3 above in cases where an asylum seeker in this category secures employment. 4.5 Payments to people not retaining Mortgage Interest Supplement when taking up employment A person who is not entitled to retain Mortgage Interest Supplement on taking up employment may continue to receive payment of the relevant supplement for a period of up to 30 days after starting work or until such time as he or she first receives remuneration, whichever is the earlier. BACK TO EDUCATION PROGRAMME & MIS The arrangements which allow for the tapered retention of Mortgage Interest Supplement for employment scheme participants do not apply in the case of those participating in the Back to Education Programme. Participants in the Back to Education Programme are assessed for Mortgage Interest Supplement under standard SWA rules. 5.1 Back to Education Allowance (BTEA) BTEA is payable to people participating in approved second or third level courses. While the BTEA itself is not means-tested however additional earnings from part time employment are assessable in the normal way for Mortgage Interest Supplement i.e. up to €75 per week with 25% of any additional income, with no upper limit, also disregarded 5.2 Part-Time Education, Training & Development Courses Part time basic education or training & development courses are not covered by the Back to Education Allowance scheme. Participants should check with their local Social Welfare office to see whether their participation in these courses affects their primary payment. Any additional earnings from approved training and development courses are assessable in the normal way for Mortgage Interest Supplement i.e. up to €75 per week with 25% of any additional income, with no upper limit, also disregarded. 5.3 Vocational Training Opportunites Scheme (VTOS) Participants on the Department of Education and Science VTOS programme are assessed for Mortgage Interest Supplement under the standard assessment i.e. up to €75 per week with 25% of any additional income, with no upper limit, also disregarded. PART 2: APPLICATION, ASSESSMENT AND DECISION PROCEDURES See this section in " Supplementary Welfare Allowance" guideline.
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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.