Would you buy beside social housing?

AulWan

lola85 wrote: »

What?

Of course people in social houses can but they that was the discussion.

“Several purchase schemes have been developed to enable TENANTS of local authority houses or apartments to buy their homes from the local authority”

Oh sweet jesus.

You know as well as I do, that once a tenant applies to buy the house, is approved, secures the mortgage etc, they are no longer a tenant.

But you obviously have more time on your hands to make stupid arguments then I do.

Have a nice day.

Deebles McBeebles

Oh good, pedantry.

Feisar

AulWan wrote: »

Newsflash. The tenants have to pay for them too. They pay rent for the use of the house.

Unlike the buyer who is buying an asset, the tenant will never own the home.

Its really not that mind boggling.

Yes however they will have the house in perpetuity (thank you GOT) so in all but name they own it.

sbsquarepants

AulWan wrote: »

The point is, if you already know you can't predict anything with absolutely certainty, then you should not be making pre-judgements at all.

That's absolutely ridiculous.

I'm not talking about pre-judging by postcode - i'm saying the ones who you see behave like feral little bastards as kids are more likely to turn out to be adult wasters than the studious respectful ones.

That's blindingly obvious as far as i'm concerned.

Mad_maxx

lola85 wrote: »

Vicxas wrote: »

We bought a house in a new estate and found out that the 2 houses beside us are Social housing, not much we can do now.

But that got me thinking that i was born and raised in a council house and i turned out semi decent, so i'm hoping it'll be the same story for my new neighbours.

How in gods name can brand new houses be given as social houses while others have to pay for them?

Mind boggling.

Social engineering

Mad_maxx

AulWan wrote: »

lola85 wrote: »

How in gods name can brand new houses be given as social houses while others have to pay for them?

Mind boggling.

Newsflash. The tenants have to pay for them too. They pay rent for the use of the house.

Unlike the buyer who is buying an asset, the tenant will never own the home.

Its really not that mind boggling.

Newsflash!

The social housing tenants rent is a fraction of the amount the next door mortgage holder pays or the private tenant a few doors down for that matter

ELM327

Mad_maxx wrote: »

Newsflash!

The social housing tenants rent is a fraction of the amount the next door mortgage holder pays or the private tenant a few doors down for that matter

+1
It's not Rent, it's "Rent"
€20-€50 a week when the house next door is paying many multiples of that is not rent

Trigger Happy

How much are social housing rents? Its a % of household income - but how much?

claregal1

Trigger Happy wrote: »

How much are social housing rents? Its a % of household income - but how much?

I'm a social housing tenant..my rent is €100 euro a week and my take home pay after tax is 435 ..I have one son in college living with me

Trigger Happy

claregal1 wrote: »

I'm a social housing tenant..my rent is €100 euro a week and my take home pay after tax is 435 ..I have one son in college living with me

So in your case it is much more than nominal, 23% of your take home pay.

ELM327

Trigger Happy wrote: »

So in your case it is much more than nominal, 23% of your take home pay.

So €400 a month for min 2 bed ?
Where would you get that these days near a college??


Not even representative of real rental market amounts

claregal1

Trigger Happy wrote: »

So in your case it is much more than nominal, 23% of your take home pay.

I think it varies from council to council . Also the more children you have there is a deduction per child on the rent I think.

claregal1

ELM327 wrote: »

So €400 a month for min 2 bed ?
Where would you get that these days near a college??


Not even representative of real rental market amounts

I never said it was near a college ....

Trigger Happy

ELM327 wrote: »

So €400 a month for min 2 bed ?
Where would you get that these days near a college??


Not even representative of real rental market amounts

The purpose of social housing is not to house people at market rates as people in need of social housing cannot afford to pay market rates.
There are many flaws in the system, that is accepted, but the core principle remains.

Grab All Association

armaghlad wrote: »

And people who physically can’t work? Or have a debilitating illness which restricts their ability to work full time and be eligible for a mortgage? Or maybe one of their kids is severely disabled and they have to provide full time care for them? I’ll say one thing about threads like this, it never ceases to amaze me the number of snobby reprobates that post on boards

I have a theory about most of the people that make these threads.

These people have either recently become unemployed or can’t get employment. They are most likely on rent allowance in shïtty apartments and are angry at the council for putting them on the bottom of the list. They see the unmarried mothers getting all the houses so they come on here hoping they can stir up hate against these people.

Sweet.Science

Grab All Association wrote: »

I have a theory about most of the people that make these threads.

These people have either recently become unemployed or can’t get employment. They are most likely on rent allowance in shïtty apartments and are angry at the council for putting them on the bottom of the list. They see the unmarried mothers getting all the houses so they come on here hoping they can stir up hate against these people.

Or maybe just maybe

They are employed. Dont qualify for social housing . Cant afford to rent privately. They live with their parents until their late 30s. One day may be able to buy a house in a very undesirable area with huge social problems.

All the while they watch Jacinta and her kids handed the keys to a new build 4 bed semi for €30 euro a week.

claregal1

Sweet.Science wrote: »

Or maybe just maybe

They are employed. Dont qualify for social housing . Cant afford to rent privately. They live with their parents until their late 30s. One day may be able to buy a house in a very undesirable area with huge social problems.

All the while they watch Jacinta and her kids handed the keys to a new build 4 bed semi for €30 euro a week.

There will always be people who play the system .. I have neighnours who are in receipt of SW and their take home pay is more than my working salary . It can be extremely frustrating when you see and hear the amount of money they are getting on SW and the low rent they pay in comparison to me . I'm grateful that I'm in Social housing because I genuinely would not be able to pay full rents on just my salary. Not everyone gets a brand new house either . My house was built in the 60's and is not one of the upgraded houses either . And for the record , I have just put my eldest two through college - one has a masters in Marine Biology and the other a degree in Business and IT both living away from home now .. so not everyone in Social housing are wasters .

nthclare

Working class heroes wrote: »

“these people” eh?
Maybe you should review your recruitment policy?

That's why I said they're quite clever at manipulating the system, a bit like people using word salad in job interviews for a position of a CEO or GM

Maybe you should review my whole post and not cherry pick.

lola85

How strict are local authorities on increasing the rent when someone’s income goes up?

Is there people who’s income has increased through the years massively yet still paying 40 euro a week?

claregal1

lola85 wrote: »

How strict are local authorities on increasing the rent when someone’s income goes up?

Is there people who’s income has increased through the years massively yet still paying 40 euro a week?

Rent review forms come out every Jan and its then reviewed . Some people might have partners living with them and might not declare their income which is why in some cases the rent is not increased .

ELM327

claregal1 wrote: »

I never said it was near a college ....

If you have a son in college?

Trigger Happy wrote: »

The purpose of social housing is not to house people at market rates as people in need of social housing cannot afford to pay market rates.
There are many flaws in the system, that is accepted, but the core principle remains.

Yes but they should not be given houses which the real working class cannot afford.

Trigger Happy

ELM327 wrote: »

If you have a son in college?






Yes but they should not be given houses which the real working class cannot afford.

I did not say that they did. And nor did claregal?

claregal1

ELM327 wrote: »

If you have a son in college?



My son gets the train to college every morning at 6.50 and is home around 7 ..we live 65 km from GMIT . He went on a J1 to San Francisco during the summer and it was either work all summer here and save for rent in Galway or commute this year and have his summer in San Francisco. When the other two lived away ..one in Cork and one in Galway , I borrowed from the credit union to pay for their rents .

Sweet.Science

claregal1 wrote: »

Rent review forms come out every Jan and its then reviewed . Some people might have partners living with them and might not declare their income which is why in some cases the rent is not increased .

Do you really have to pay rent though ? Arrears are in the millions. You aren't going to be evicted if you have children. So technically the property is free if people choose not to pay it

claregal1

Sweet.Science wrote: »

Do you really have to pay rent though ? Arrears are in the millions. You aren't going to be evicted if you have children. So technically the property is free if people choose not to pay it

I pay 200 a fortnight direct debit when I get paid .. I'm not in arrears , I would be terrified of getting evicted if my rent wasn't paid ( I actually pay my rent a day early ) I genuinely don't know what the story is with people who don't pay their rent .

sbsquarepants

Working class heroes wrote: »

Can you link that study by the US Military please.
Also, only an idiot would think someone with an IQ of below 80 are of no use for any practical reason?

I can't remember where i read it to be honest, but i've done a quick google search and there's plenty online about it.
They do their own tests to screen recruits (the ASVAB test) and there are different scores required to gain acceptance to various branches but the long story short is, it's against the law for the army to recruit anyone below an IQ of roughly 83.

Working class heroes

nthclare wrote: »

That's why I said they're quite clever at manipulating the system, a bit like people using word salad in job interviews for a position of a CEO or GM

Maybe you should review my whole post and not cherry pick.

No. I’ll cherry pick away. But thanks for the suggestion.

Working class heroes

sbsquarepants wrote: »

I can't remember where i read it to be honest, but i've done a quick google search and there's plenty online about it.
They do their own tests to screen recruits (the ASVAB test) and there are different scores required to gain acceptance to various branches but the long story short is, it's against the law for the army to recruit anyone below an IQ of roughly 83.

You clearly implied that people with low intelligence have no function in society. You used a study by the US Military to back this up.

Now You say you can’t remember where you read it. Then you say there is plenty online about it yet still can’t provide any links.

I’ll leave it with you so.

AulWan

ELM327 wrote: »

Yes but they should not be given houses which the real working class cannot afford.

Real working class? What are they?

Where does someone like Claregal fall on your scale of working class?

Bluefoam

Working class heroes wrote: »

You clearly implied that people with low intelligence have no function in society. You used a study by the US Military to back this up.

Now You say you can’t remember where you read it. Then you say there is plenty online about it yet still can’t provide any links.

I’ll leave it with you so.

Literally the first link in google... Not my arguement, I just heard about it now... I'm just doing the donkey work for you.

https://reddit.com/r/JordanPeterson/comments/84qmsj/source_of_83_iq_minimum_for_the_us_military/

Sweet.Science

claregal1 wrote: »

I pay 200 a fortnight direct debit when I get paid .. I'm not in arrears , I would be terrified of getting evicted if my rent wasn't paid ( I actually pay my rent a day early ) I genuinely don't know what the story is with people who don't pay their rent .

Fairplay to you. Exactly what the system is for. I think a dedicated fraud unit not the token gesture they have now would help peoples perception

AulWan

claregal1 wrote: »

I think it varies from council to council . Also the more children you have there is a deduction per child on the rent I think.

The deduction is €1 per child, for those who start to think people are having more kids to reduce their rent.

Sweet.Science

AulWan wrote: »

The deduction is €1 per child, for those who start to think people are having more kids to reduce their rent.

What actually happens if you dont pay rent ? I've yet to see a family evicted for that reason .

AulWan

Sweet.Science wrote: »

What actually happens if you dont pay rent ? I've yet to see a family evicted for that reason .

I honestly don't know at what point they seek eviction.

I do know that SDCC will refuse to do any repairs or routine maintenance to their stock if the tenant is in arrears.

stratowide

Sweet.Science wrote: »

What actually happens if you dont pay rent ? I've yet to see a family evicted for that reason .

Technically and legally you do have to pay rent.

Realistically you don't have to pay anything.Dont worry about getting evicted..it'll never happen.

This is how it works here now.Yay for socialism..

sbsquarepants

Working class heroes wrote: »

You clearly implied that people with low intelligence have no function in society. You used a study by the US Military to back this up.

Now You say you can’t remember where you read it. Then you say there is plenty online about it yet still can’t provide any links.

I’ll leave it with you so.

Calm down Matlock!

I just said i read it somewhere - it's not my study, i feel in no way obliged to stand over it or defend it's accuracy. This is a conversation, not a court of law, i'm not trying to prove anything. If you wish to dispute it or reject it, you feel free.

claregal1

stratowide wrote: »

Technically and legally you do have to pay rent.

Realistically you don't have to pay anything.Dont worry about getting evicted..it'll never happen.

This is how it works here now.Yay for socialism..

When I was working part time and was in receipt of social welfare , you have to sign up to the household budget thing whereas your rent is deducted from your payment before you receive your payment ..not sure if that still applies but that's the way it used to be .
I've genuinely never heard of anyone not paying the rent ...

Sweet.Science

claregal1 wrote: »

When I was working part time and was in receipt of social welfare , you have to sign up to the household budget thing whereas your rent is deducted from your payment before you receive your payment ..not sure if that still applies but that's the way it used to be .
I've genuinely never heard of anyone not paying the rent ...

Good idea if still implemented

Samuel T. Cogley

Fcuk all issues with people working no matter what the rent is, I expect most people feel the same, it's the cnuts who a) can't be arsed working and b) make decent folks lives a misery that boil my piss. No one is going to convince me there's not more anti social behaviour in council houses.

Edgware

claregal1 wrote: »

When I was working part time and was in receipt of social welfare , you have to sign up to the household budget thing whereas your rent is deducted from your payment before you receive your payment ..not sure if that still applies but that's the way it used to be .
I've genuinely never heard of anyone not paying the rent ...

You mustnt get out much. Check your local authority. There are millions in rent outstanding from the " vulnerable people in society" i.e. the spongers who get rises in the Budget every year

AulWan

Just read an article that said that most tenants either abandon the property or surrender it back to the council before it gets as far as the Courts for an eviction order, because if evicted for non-payment of rent, the tenant is excluded from applying for social housing again. There were 7 evictions from local authority housing for non-payment of rent in Cork last year.

(eta) Also that when someone applies for social housing, if they have a conviction in the last five years associated with antisocial behaviour e.g. convicted of disorderly conduct in a public place, or of violent disorder, or assault, or been the subject of various excluding orders, then they will not qualify for social housing.

Mad_maxx

AulWan wrote: »

Just read an article that said that most tenants either abandon the property or surrender it back to the council before it gets as far as the Courts for an eviction order, because if evicted for non-payment of rent, the tenant is excluded from applying for social housing again. There were 7 evictions from local authority housing for non-payment of rent in Cork last year.

Seven is a tiny number

Mad_maxx

Edgware wrote: »

claregal1 wrote: »

When I was working part time and was in receipt of social welfare , you have to sign up to the household budget thing whereas your rent is deducted from your payment before you receive your payment ..not sure if that still applies but that's the way it used to be .
I've genuinely never heard of anyone not paying the rent ...

You mustnt get out much. Check your local authority. There are millions in rent outstanding from the " vulnerable people in society" i.e. the spongers who get rises in the Budget every year

A third of local authority tenants are in arrears

AulWan

Mad_maxx wrote: »

Seven is a tiny number

Yes, it is. But it means its not true to say you won't be evicted for non payment of rent.

It can and does happen.

AulWan

Mad_maxx wrote: »

A third of local authority tenants are in arrears

How many mortgages are in arrears? I believe its somewhere around 14%.

Arrears can happen to anyone, for many reasons. I've fallen into arrears on my mortgage in the past, due to unpaid time off from work due to illness.

Caught up when I recovered and carried on. Such is life.

claregal1

Edgware wrote: »

You mustnt get out much. Check your local authority. There are millions in rent outstanding from the " vulnerable people in society" i.e. the spongers who get rises in the Budget every year

This ... I actually don't care how many are in arrears or get evicted . It's of no benefit to me . Once I've my rent paid on time that's all I that matters to me .

Graces7

Mad_maxx wrote: »

A third of local authority tenants are in arrears

Proof please. Thank you

Graces7

Cannot post links but google "fifty council tenants face eviction for rent arrears" Dublin

italodisco

An awful lot of fools on this thread who have No idea.

I grew up in the worst part of north inner city, live just up the road from it now.

Selling up now. Driven mad by all day parties, kids on quads and scrambler, constant roaring, fights ... 90% are decent folk but the bad 10% are extreme

lola85

https://www.google.com/amp/s/amp.irishexaminer.com/ireland/council-tenants-owe-65m-in-unpaid-rent-437052.html

“Arrears by social housing tenants have doubled in the last eight years, leaving councils owed a staggering €65m in unpaid rent”


Those 50 must owe around a million each.