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Introduction Rent Supplement is paid to people living in private rented accommodation who cannot provide for the cost of their accommodation from their own resources. In general, you will qualify for a Rent Supplement, if your only income is a social welfare payment and you satisfy the other conditions - see 'Rules' below. The amount of Rent Supplement you get will be calculated to ensure that your income after paying rent does not fall below a minimum level. If your circumstances change you may no longer qualify for Rent Supplement or the amount of your payment may change. Read more about Rent Supplement and changes to your circumstances. You can also read FAQs about Rent Supplement from the Department of Social Protection. Rent Supplement limits Revised rent limits for the Rent Supplement scheme were announced in June 2016 and came into effect from 1 July 2016. In view of the reduction of supply in the private rented market and increasing rents, the Department's approach allows for flexibility where landlords seek rents over the limits. This applies to existing tenants and to new Rent Supplement applicants. If you are making a new Rent Supplement claim, the new rent limits apply immediately. If you are currently getting Rent Supplement there is no automatic increase to your rate of Rent Supplement (as you are currently signed up to a tenancy agreement with your landlord). The new rent limits will apply when your existing lease expires or when your claim is reviewed. You can request a review of your Rent Supplement claim by contacting the office dealing with your claim. Tenants living in Dublin, Cork and Galway or the commuter areas of Kildare, Meath and Wicklow can access the Tenancy Protection Service operated by Threshold on freephone 1800 454 454. Housing Assistance Payment (HAP) In 2013 the Government approved a plan for a new Housing Assistance Payment (HAP). This involves the transfer of responsibility for recipients of Rent Supplement with a long-term housing need from the Department of Social Protection to housing authorities (local authorities). The legislation to implement the HAP is the Housing (Miscellaneous Provisions) Act 2014 (pdf). HAP is now operational in many housing authorities. Find out where HAP is in operation. It is expected to be rolled out to remaining housing authorities by early 2017. Different rules apply for Rent Supplement depending on whether you live in a HAP area or in an area where HAP is not yet in operation. See ‘Rules’ below for details. Under the HAP process, people assessed by a local authority as having a housing need will apply for housing support under HAP rather than Rent Supplement. Discrimination when letting residential property Equality legislation applies to lettings and accommodation. Landlords cannot discriminate against potential tenants on grounds of gender, civil status, family status, sexual orientation, religion, age, disability, race or membership of the Traveller community. Since 1 January 2016, under the Equal Status Acts 2000–2015, you cannot be discriminated against when renting because you are getting Rent Supplement or any other social welfare payment, or a Housing Assistance Payment (HAP). This means that landlords can no longer state when advertising accommodation that Rent Supplement (or HAP) is not accepted and they cannot refuse to rent you accommodation because you are getting a social welfare payment. If you feel you have been discriminated against by a landlord or their agent, you can find out more about making a complaint under the Equal Status Acts. For more information about your rights you can contact the the Irish Human Rights and Equality Commission. A new tax relief has been introduced for landlords who rent to tenants getting Rent Supplement. Read more in our document on Housing tax credits and reliefs. Rules Eligibility critieria for Rent Supplement within Housing Assistance Payment (HAP) areas If you live in a HAP area you are only eligible for Rent Supplement if you are a genuine (bona fide) tenant and meet one of the following conditions: - You were getting Rent Supplement in the 12 months before the date of your application. - You were living in private rented accommodation for at least 6 months (183 days) of the last 12 months, you could afford the rent at the beginning of your tenancy and you are unable to continue to pay the rent because of a substantial change in your circumstances which occurred after you started renting. You can combine time living in more than one rented accommodation to satisfy the 6 months (183 days). - You were living in accommodation for homeless people for at least 6 months (183 days) of the last 12 months. If you have already been assessed as qualified for social housing support you will be referred to your local authority to have your housing needs addressed (rather than being assessed for Rent Supplement). If you don’t meet these conditions you must contact your local authority to have your housing needs assessed. If you are eligible for and in need of housing support you may be able to access housing under the HAP scheme or local authority housing. If you are currently getting long-term Rent Supplement (18 months or more) and you live in a HAP area you can be asked to apply for social housing support to your local authority. You must apply within 6 weeks of being asked to do so (if necessary an extra 6 weeks can be allowed). You may then be transferred to HAP or to another form of social housing support. Eligibility criteria for Rent Supplement in areas where HAP is not yet in operation You may get Rent Supplement if you have been living for 6 months (183 days) out of the last 12 months in one, or a combination, of the following: - Accommodation for homeless people. - Private rented accommodation. You can combine time living in more than one rented accommodation to satisfy the 6 months (183 days). You must be able to show that you could afford the rent at the beginning of your tenancy and that you could have continued to pay rent but are unable to do so because of a change in your circumstances which occurred after you started renting. - An institution, for example, a hospital, care home or place of detention. Or - Have been assessed by a local authority as being eligible for and in need of social housing in the last 12 months. If you don't have a housing need assessment, you must go to the local authority to have your housing need assessed. The local authority must be in the area that you intend to live and claim Rent Supplement. Only when you are assessed as eligible for and in need of housing can you apply for Rent Supplement. Rent Supplement is not payable while the local authority is carrying out a housing needs assessment. Rules for Rent Supplement in both HAP and non-HAP areas Rent Supplement will only be provided if the accommodation is suitable for your needs. Rent Supplement is not generally paid if the rent is above the maximum rent limit set for your county (see ‘Rates’ below for the current limits and circumstances where these limits may be waived). You must also: You won’t qualify for Rent Supplement if you: - Are in full-time employment or self-employment (30 hours or more a week). However, if you are assessed as in need of housing under the Rental Accommodation Scheme and have been out of full-time employment for 12 months or more you may be entitled to the Supplement - see ‘Employment and Rent Supplement’ below - Have refused a second offer of local authority accommodation in an 12-month period. In this case, you cannot claim Rent Supplement for 12 months. - Are leaving local authority housing without reasonable cause. - Have been excluded from social housing by a local authority for reasons of good estate management or anti-social behaviour. - Are attending full-time education. However, if you are getting a Back to Education Allowanc (BTEA), are participating in the Back to Education Programme or in the Momentum Programme you may be entitled to Rent Supplement. Renting from a parent: You cannot get Rent Supplement to help you pay rent to your parent if you are living in the family home. If your parent owns a second property, you will generally not get Rent Supplement for this property unless you can prove that you are a genuine (bona fide) tenant Sharing with your landlord: You may be entitled to get Rent Supplement if you are living in your landlord’s home. It must be a genuine landlord/tenant arrangement. Your landlord has to fill in part of the form and provide his or her PPS number (see 'How to apply' below). Employment and Rent Supplement You will not qualify for Rent Supplement if you are in full-time employment (30 hours or more a week). (In the case of couples, if one of a couple is in full time employment, both are excluded from claiming Rent Supplement). Claims from self-employed people are assessed on the individual circumstances of the case and you may be asked to show that you are working less than 30 hours a week. If you are working over 30 hours a week in employment or self-employment or if you are getting the Back to Work Enterprise Allowance you must be deemed eligible for the Rental Accommodation Scheme (RAS) by your local authority to continue to get Rent Supplement. However, you will be reassessed for Rent Supplement and some of your additional income including some of your income from employment will be taken into account. As a result of the reassessment you may or may not continue to qualify for Rent Supplement. If you do qualify for Rent Supplement you may get a different rate of Supplement. Income taken into account for Rent 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 does not have their income from employment assessed as means for Rent Supplement.) - Social welfare payments (for exceptions - see 'Income not taken into account' below) - Family Income Supplement (FIS) - Cash income (for example, maintenance) - All income and the value of all property of which the claimant deprived themself in order to qualify for SWA - Capital (for example, property except your own home, savings and investments). The capital value of property (except your own home), savings and investments is assessed as follows: Income not taken into account when calculating Rent Supplement Income from the following sources is disregarded or not taken in account when calculating the amount of Rent Supplement you qualify for: - 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 VEC 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 which 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 Rent Supplement. Any earnings over €120 from rehabilitative training or employment will affect your Rent 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 Additional income disregard (but not both). - Additional income disregard: A certain amount of your household income from certain sources is not taken into account. €75 of any additional household income* above the SWA rate for your circumstances 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 (FIS), Community Employment (CE), the Tús scheme, JobBridge,the Rural Social Scheme, Momentum, Part-time Job Incentive Scheme, Skillnets, Work Placement Scheme, Gateway, Back to Work Allowance, Back to Work Enterprise Allowance or a FET (formerly FÁS) course. Part of a maintenance payment is also assessed as additional household income (see below). If you were getting Rent Supplement before 5 June 2007, you can continue to have your income assessed using the old income disregards, unless the current income disregards ensure a more favourable assessment. However, if you do not claim Rent Supplement for more than 13 weeks you will be assessed using the current income disregards. (See 'Further information' below for more information on how income was assessed for Rent Supplement before 5 June 2007.) Maintenance and Rent 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. The reason for this is that the first €95.23 per week of maintenance payments are considered to be a contribution towards your housing expenses. 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 rent (Household Contribution) Once the amount of Rent Supplement you qualify for has been worked out, it will be reduced by a minimum of €30. This is because you must pay at least €30 a week towards your rent. You may pay more than €30 because you are also required to contribute any additional assessable means that you have above the appropriate basic Supplementary Welfare Allowance rate towards your rent. If you are one of a couple and are claiming Rent Supplement you must pay at least €40 a week towards your rent. Any non-dependent household members who are solely dependent on a personal social welfare payment must also contribute €30. However, if benefit and privilege has been assessed against your social welfare payment you do not have to contribute €30. If the non-dependent household members are a couple their contribution is €40. A couple over 65 with an income equal to or less than the State Pension (Contributory) for their situation will contribute €40 a week towards their rent. A couple who both have State Pensions (Contributory) and no other income will also contribute €40 towards their weekly rent. Budget 2017 From 2 January 2017, people aged 18-24 who are on age related benefits will pay less towards the cost of their Rent Supplement. The personal rent contribution will be reduced from €30 to €10 per week for Rent Supplement recipients who are getting Jobseeker’s Allowance (JA) of €100 per week and from €30 to €20 for those who are getting JA of €144. For those getting BTEA, a Further Education and Training (FET) training allowance or on Youthreach, where the age-related rate of €160 applies, the personal rent contribution will be reduced from €30 to €20 a week. Calculating Rent Supplement Calculating your Rent Supplement can be difficult. The Department of Social Protection's representative (formerly known as the Community Welfare Officer) will decide if you are eligible for Rent Supplement and calculate the amount you will get. More information is available on how to calculate Rent Supplement. Rates Rent Supplement is paid to you weekly or monthly by cheque, Electronic Fund Transfer or post draft, usually in arrears. The amount of Rent Supplement that is calculated will generally ensure that your income, after paying rent, does not fall below a minimum level. This level is the basic Supplementary Welfare Allowance rate for your circumstances minus €30 (or €40 for a couple). You must always pay at least €30 towards your rent. However, you may pay more depending on your means - see 'Rules' above. The rent paid to your landlord (that is, your contribution plus your Rent Supplement) should not be above the maximum rent limit set for your county or area (this provision can be waived in some circumstances). The maximum rent limit for your county is set by the Department of Social Protection (DSP). However, the Community Welfare Office may set lower rates within these limits. There is a maximum rent limit for each area (see below). If your actual rent is higher than the local maximum, you may be refused Rent Supplement entirely. Cases where rent is over the relevant limit In some cases Rent Supplement can be paid at the discretion of the DSP staff administering the scheme where the rent is over the relevant limit: - If you or a member of your household has special housing needs (for example, a disabled person in specially adapted accommodation). - If you will be able to pay the rent yourself within a short period, if, for example, if you are taking up employment. In this case Rent Supplement at a higher rate can be paid for a short period of 6-8 weeks. - If you have additional income to pay the balance yourself. (Rent Supplement is still based on the maximum rent limit.) - If there are other exceptional circumstances. (Special provisions apply if you are at risk of becoming homeless.) Note also that the Community Welfare Service has statutory discretionary power to award or increase a Rent Supplement payment, for example, when dealing with a person who is in danger of homelessness. This applies both to people getting Rent Supplement and new applicants. Tenants living in Dublin, Cork and Galway or the commuter areas of Kildare, Meath and Wicklow can access the Tenancy Protection Service on freephone 1800 454 454. Rent Supplement and lease agreements If, when your Rent Supplement claim is reviewed, the rent you pay is above the relevant limit and your lease is not due for renewal, you will be expected to re-negotiate your rent with your landlord. If the landlord insists that the terms of the current lease are not negotiable and does not reduce the rent to the new limits the DSP representative will discuss your options with you. These may include seeking other accommodation. If the rent is in line with local market rates the limits can be exceeded in some cases. Rent limits You can find the rent limits for Rent Supplement on the Department's website. Note that the Community Welfare Office may set lower rates within these limits. sets down that the maximum amounts of Rent Supplement payable for tenants in voluntary housing developments (funded through the Capital Assistance Scheme) are €55 for a single person and €60 for a couple. The minimum contribution set out above also applies (€30 for a single person and €40 for a couple). How to apply To apply, fill in an application form for Rent Supplement (pdf). The Department of Social Protection's representative (formerly known as the Community Welfare Officer) or local Citizens Information Service can help you fill in this form. Part of the form will need to be filled in by your landlord or their agent. Your landlord will need to provide their tax reference number (normally their PPS number) to the Department of Social Protection (DSP). If your landlord does not wish to fill in the form a separate form (SWA 3C) (pdf) is available. If your landlord does not have a tax reference number, they should state this in writing to the DSP and explain why this is the case. Your Rent Supplement may not be paid if your landlord has not given their tax number to the DSP or has not explained why they do not have one. Another part of the form may need to be filled in by your local authority, to confirm you are on their housing list and have a housing need (if you are not exempt from this rule). You also need to bring the following documents: - Identity documents for you and your dependants, such as full birth certificates, passports, driving licence, work permit, immigration (GNIB) card, etc. - Documents to show your income and financial situation, such as, pay slips, P45, P35, P60, bank statements, etc. - Documents to prove where you live, such as electricity, gas or phone bills, etc. - Documents relating to your tenancy, such as your rent book, lease or tenancy agreement. The Department of Social Protection's representative (formerly known as the Community Welfare Officer) usually visits you to confirm your circumstances. Appealing a decision If you are not satisfied with a decision made in relation to Rent Supplement, you should first find out why the decision was made by asking the Department of Social Protection's representative (formerly known as the Community Welfare Officer). You should provide any extra documentation to back up your case. If the decision is not changed, then request an appeal form. Include as much detail as possible in your appeal and keep photocopies of everything. If your appeal is unsuccessful, you can refer the appeal to the Social Welfare Appeals Office. You may request a personal hearing and you can bring along a representative to help argue your case. Where to apply To apply for Rent Supplement you should contact the Department of Social Protection's representative (formerly known as the Community Welfare Officer) at your local office. However in some areas new Rent Supplement applications are processed by centralised Rent Units. To see if your area is dealt with by a central Rent Unit you can view the central rent unit list. If you live in one of these areas you can get a rent pack from your local office. This pack contains detailed information (including a list of documentation you will need) and all the relevant application forms. You should read the information in the pack carefully. If you are satisfied that you have all the necessary documents ready you can forward your application to the relevant Rent Unit. The processing of your application may be delayed if you do not supply all the information requested in the pack. The Unit will contact you if they need any further information. If they do not need any more information they will tell you when your application will be processed. Further information A certain amount of your income is not taken into account in the assessment for Rent Supplement. The income not taken into account is called an income disregard. The current income disregards came into effect on 5 June All existing Rent Supplement claims in payment on 5 June 2007 were reviewed and assessed using both the current income disregards and the old income disregards. If you would get more Rent Supplement using the old income disregards (see below), you continued to be assessed using the old income disregards until: - You no longer qualify for Rent Supplement or - You have a break in your claim for more than 13 weeks or - You have a change in your circumstances. For example, a change of address, household income, increase or decrease in rent or a change in your social welfare payment.
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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. Eolas d'éilitheoirí ag fáil MIS roimh 1 Eanáir 2014 Meastar d'ús mar ús comhlán míosúil arna laghdú d' fhaoiseamh úis morgáiste agus de aon liúntas morgáiste nó fóirdheontas morgáiste a íocann an t-údarás áitiúil le haghaidh na coda úis de do mhorgáiste. 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. 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 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 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 chá ileoidh 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 Aon - air - insinéirí: 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