council housing

DOWNEY28

hi hope some can help here. myself and my partner have been on the waiting list for a city council house for nearly 7 years to date. recently we got forms to update our details which we have on time only to receive a letter from the council last week to say we have been deemed ineligible for a house and have now been taken off the list due to our finances earning just over the required amount for a house. any bit of information would help as we are both living in our family homes and also have a 7 year old daughter

TIA

xabi

Whats the cut-off out of interest? Can you rent?

aka accounts 2010

DOWNEY28 wrote: »

hi hope some can help here. myself and my partner have been on the waiting list for a city council house for nearly 7 years to date. recently we got forms to update our details which we have on time only to receive a letter from the council last week to say we have been deemed ineligible for a house and have now been taken off the list due to our finances earning just over the required amount for a house. any bit of information would help as we are both living in our family homes and also have a 7 year old daughter

TIA

What is the combined net weekly income for you and your partner?

The limit for 2 adults and 1 child in Cork City is €37,625

DOWNEY28

our net weekly income is around 41,000 not taken into account bills between us and living costs ie phone bills and car loan repayments

DOWNEY28

but after 7 years surely they cant do this. i mean do they expect us to stay on min wage and work part time for the length of time they decide to give us a house which on average is around 8-10 years.

Mokuba

It is calculated off net income, not bills. You are quite a bit over the limit, and the city has high limits.

You have no entitlement to a social house. If your circumstances improve then you shouldn't be considered for one anymore.

Most people have to pay their own rent, and save for years to afford a mortgage. Welcome to the reality of the masses.

Olsky

DOWNEY28 wrote: »

our net weekly income is around 41,000

DOWNEY28 wrote: »

i mean do they expect us to stay on min wage

Oh dear. You are earning significantly more than most people and more enough than enough to get a mortgage yet you want the government to give you a free house. When there are none available for those earning significantly less than you.

troyzer

You're making €40k+ a year and you want a free house?

I'm lucky enough to be living at home but my friends in the same job are making €30k a year and have to rent in Dublin. Why do you think you deserve a free house earning €10k more in a cheaper city?

Madness.

razorblunt

40k plus?
I was your parent, you'd be out the door already.

rawn

How much have you saved by living at home for 7 years? Can you put those savings towards a mortgage deposit? I'd imagine you've a fair bit put aside now?

Olsky

So your earning over €41,000 net, living at home with your parents and feeling aggrieved because the Council won't give you a free house.

El Tarangu

*following*

namloc1980

Based on your net income of €41k you're over the threshold for social housing support. That's a reasonable income by any standard and you surely must've saved a bit living at home towards a deposit/rent.

Roger Hassenforder

Safe to say this thread isnt progressing as OP hoped...

Olsky

Roger Hassenforder wrote: »

Safe to say this thread isnt progressing as OP hoped...

Nope. He said that 41K net doesn't take phone bills into consideration so maybe we could advise on a cheaper plan?

Roger Hassenforder

Olsky wrote: »

Nope. He said that 41K net doesn't take phone bills into consideration so maybe we could advise on a cheaper plan?

Maybe start with the fags

Olsky

Male escorts ain't cheap.

mcko

Always amazes me that those who work and are on poor money can't get help yet those who will never work are looked after cradle to grave, true for Del Boy only fools and horses work,

Olsky

mcko wrote: »

Always amazes me that those who work and are on poor money can't get help ,

41k net is not poor money. Particularly if you are also still living at home with your parents.
Many of us on a lot less manage just fine without handouts like free houses.
There is also only a tiny amount of social housing being built with massive sums being given instead to landlords and hotel owners.

I would be pretty confident that even if the OP was offered social housing he would turn it down like many thousands of others do if it was not in the right area or did not meet his standards

lisasimpson

Yikes 41k and living at home and expecting a house off the housing list? 1st off you mention bills how much are u spending on phone, car etc. Id recommend you both sit down with a sensible individual go through your monthly spend. Its though saving for a house but surely over the last 7 years both of ye have been saving if living at home. People are paying mortgages on less of an income is the harsh reality

Frostybrew

41K for two people isn't much, especially with a child. Even if it's a net figure, as at that low a wage not much tax would be due.

mean gene

Sounds like a wind up

rawn

Frostybrew wrote:

41K for two people isn't much, especially with a child. Even if it's a net figure, as at that low a wage not much tax would be due.

It's a lot when you're living with parents though, paying a lot less than market rents. After 7 years of saving they should have a decent deposit saved up and be ready to buy!

troyzer

rawn wrote: »

It's a lot when you're living with parents though, paying a lot less than market rents. After 7 years of saving they should have a decent deposit saved up and be ready to buy!

It's an enormous amount of money if you're living at home. You can easily save a third or half of your salary on that money with no substantial living expenses. The OP should have at the very least 50k+ in the bank, I know I would if I was making that money with my current setup where I'm also not paying rent or many bills.

rawn

troyzer wrote:

It's an enormous amount of money if you're living at home. You can easily save a third or half of your salary on that money with no substantial living expenses. The OP should have at the very least 50k+ in the bank, I know I would if I was making that money with my current setup where I'm also not paying rent or many bills.

To be fair they're probably paying *some * rent and bills to the parents. But doubtful it's anywhere near half of market rents.

mea_k

DOWNEY28 wrote: »

our net weekly income is around 41,000 not taken into account bills between us and living costs ie phone bills and car loan repayments

Old Post but jeez just because you try to live with parents just to get house won't get you one these days. Fairly sneaky, and I'm glad people are not getting offers as much as old gold days. 40k is alot of money ye can afford to rent.

beer enigma

OP posted this in July 2018......think it needs to crawl back from whence it came

Italix

I don't think council houses are free, I think it's about 15% of their income.
And a combined income of 41k is not a whole lot of money.

mikeecho

Get a job, save, get a mortgage.

That's what I did.

.red.

Italix wrote: »

I don't think council houses are free, I think it's about 15% of their income.
And a combined income of 41k is not a whole lot of money.

That's just over €500pm.
Pretty sure there's loads of people on €41k per household that would love to be paying €500 for their mortgage.