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Couples on 107K can’t afford a home

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Comments

  • Registered Users, Registered Users 2 Posts: 7,811 ✭✭✭Tow


    Nothing new. It has carried forward from Bertie's days, were his policy was to remove the lower paid from the tax net. This is not the norm for EU countries, were most workers pay a small percentage of tax.

    When is the money (including lost growth) Michael Noonan took in the Pension Levy going to be paid back?



  • Registered Users, Registered Users 2 Posts: 9,548 ✭✭✭weisses


    Meanwhile

    Population growth exceeds new homes by almost four to one, according to analysis by property advisor Savills Ireland



  • Registered Users, Registered Users 2 Posts: 7,770 ✭✭✭LambshankRedemption


    My prescription is due for renewal soon. Yesterday I rang 12 different doctors surgeries in about a 50km radius asking for an appointment and every single one of them said "we are not taking on new patients at this time". I asked a few if they had a waiting list most said no, one said they do, but they had been told to stop giving out the form to go on the waiting list. I felt like asking is there a waiting list to go on the waiting list.

    Apparently anyone making the claim that Ireland is full makes you a far right sympathizer.

    I am far from being right wing, but lack of affordable homes and lack of doctors appointments, in another thread there is a discussion on a lack of school placements. Surely we need to start talking at a national level about the fact we no longer have the room for the people who want to come here?



  • Registered Users, Registered Users 2 Posts: 7,811 ✭✭✭Tow


    When is the money (including lost growth) Michael Noonan took in the Pension Levy going to be paid back?



  • Registered Users Posts: 207 ✭✭Avatar in the Post


    Not going to happen as long as we are in the EU. The EU as a whole is suffering population decline (who's going to pay the pensions concern).

    https://ec.europa.eu/eurostat/web/products-eurostat-news/w/ddn-20231121-4

    While you have Germany in such a predicament Ireland isn't going to get EU policy changed. IF you really want to get your borders under control you're going to have to leave the EU. It's a rock and a hard place dilemma. I think Ireland IS taking in too many people, but being in the EU is vital to Ireland's future, so it's the lesser of two "evils", imo.



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  • Registered Users Posts: 207 ✭✭Avatar in the Post




  • Moderators, Business & Finance Moderators Posts: 10,356 Mod ✭✭✭✭Jim2007


    When the only solution the property seeking voters are willing to accept is one in which they get to own a house, while simultaneously property owning voters are unwilling to accept any solution that involves the reduction of house prices resulting in them going into negative, progress on addressing the issue is very limited.



  • Registered Users, Registered Users 2 Posts: 3,724 ✭✭✭Beta Ray Bill


    In other news…. water is wet….

    Seriously though, we all know this is 30+ years in the making.

    Appalling policy and planning across the board.



  • Registered Users, Registered Users 2 Posts: 40,317 ✭✭✭✭Boggles




  • Registered Users, Registered Users 2 Posts: 7,770 ✭✭✭LambshankRedemption


    Webdoctor.ie, which is what I'll do again this time, but it would be nice to get a face to face and if necessary refer me to a specialist, rather than being on pills perpetually.

    Not going to happen as long as we are in the EU. The EU as a whole is suffering population decline (who's going to pay the pensions concern).

    The EU is tightening its immigration policies, but we hear every day that the chink in the armour seems to be Dublin Airport where people arrive with no documents and are still let in.

    Failings to enforce current laws, hmm, where have I heard of that before?



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  • Registered Users Posts: 207 ✭✭Avatar in the Post


    I know, I know… can't help it, but…

    Water isn't wet.



  • Registered Users, Registered Users 2 Posts: 6,303 ✭✭✭emo72


    Social contract is beyond broken, it's smashed to smithereens. Eventually a new right leaning party will evolve. As peoples quality of life erodes, it's inevitable. Population is increasing to almost 4 people for every new available home that comes available. FFG are probably delighted that they are still in pole position and can't understand how there's not much more push back. There will be.



  • Registered Users, Registered Users 2 Posts: 193 ✭✭Greengrass53


    Go to the doctor that wrote your last one and spare us the melodrama



  • Registered Users, Registered Users 2 Posts: 7,770 ✭✭✭LambshankRedemption


    I will give you a response next tuesday. In the meantime, you can enjoy my ignore list. You will be in good company.



  • Registered Users, Registered Users 2 Posts: 7,256 ✭✭✭SuperBowserWorld


    There will be no push back unless the property market collapses as there are too many snouts in the trough. And the big worry then is that those that are prudent and those who believe in fairness will have to bail out the people who were partying, again. Property and greed is the only show in town at the moment.



  • Registered Users Posts: 207 ✭✭Avatar in the Post


    There are significant fines placed on airlines for letting people in without proper documents and increasingly onerous. So, not sure how that happens.

    Webdoctor is handy alright, try and get a virtual appointment maybe. They do more than repeat prescriptions and SHOULD provide what's required to give you a proper assessment or decline to treat you. Maybe ask them if there's one of their doctors close to you available to see you in person. Worth a shot. Good luck.



  • Registered Users, Registered Users 2 Posts: 13,917 ✭✭✭✭Danzy


    The social construct is destroyed and the idea of the State as a backstop to support the people, that a nation has an obligation of care to it's people and vice versa is now considered toxic and it is the left that are cheering it on.



  • Registered Users, Registered Users 2 Posts: 5,578 ✭✭✭baldbear


    Absolute nonsense. It will take lots of time etc but of course you can buy on that salary. People will have to make lots of compromises though. Donaghmede gaff instead of a Howth gaff etc.



  • Registered Users Posts: 207 ✭✭Avatar in the Post


    4 people per new home (4 to 1 as reported) is sensationalising. That assumes there is a home requirement per person, which is false. There's close to 3 people per home in reality.

    Careful what you wish for. A right wing government might try to reduce immigrants (how's the US doing?), but they also tend to reduce social welfare… not the type of people to build homes for people.



  • Registered Users, Registered Users 2 Posts: 6,303 ✭✭✭emo72


    Snouts in the trough are happy, but they are not the only ones with an interest here.

    I'd say the pressure is building with parents watching their adult children growing old in box rooms. And eventually the penny will drop, FFG are not actually interested in their children's well-being.



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  • Registered Users, Registered Users 2 Posts: 3,724 ✭✭✭Beta Ray Bill


    You're not wrong.

    But I think there's an unusual demographic with regard to residential stock.

    None of it makes sense to me:

    Like the number of vacant dwellings is high(ish), long term vacant is around 48k property's (This is in 2022 now)
    https://www.cso.ie/en/census/census2022/census2022andvacantdwellingsfaq/

    20% of landlords now own over 100 property's

    There are lots of people "sitting" on property's.

    Building costs are through the roof, developers claiming they make no money, yet sell an entire block of apartments to a rental company for below what they'd get for them if they sold them to individuals.

    I think it must be case of the wrong type of home in the wrong place, or perhaps a cart before the horse approach regarding the economy.

    Everyone migrating here to work, wants to work for a multinational in Dublin. None of those people want to live in an estate is the back end of Roscommon or Carlow, to far away, impossible to commute, as the rail infra just isn't there (and never will be might I add)

    Sure even the prisons are jammed!



  • Registered Users, Registered Users 2 Posts: 7,770 ✭✭✭LambshankRedemption


    None of those people want to live in an estate is the back end of Roscommon

    Funnily enough I live in an estate in Roscommon. I'm happy out here, now if only I could find a Doctors appointment.



  • Registered Users, Registered Users 2 Posts: 19,994 ✭✭✭✭Donald Trump


    Cue the boomers regaling tales of how they went over to London for one Summer when they were 19 and stayed in a group house and slept on mattresses on sitting room floors surrounded by empty cans of beer from their sessions, and then asking why can 30-something professional couples these days not just link up with another 30-something professional couple and buy a 2-bed apartment between them.



  • Registered Users, Registered Users 2 Posts: 11,329 ✭✭✭✭Furze99


    This report today that population growth exceeds house supply by 4:1 should be of great concern to every voter. If it doesn't affect you now, it very likely as sure as hell will soon enough.

    In our case, we have children ranging from early 20s to early 30s. With very little hope of obtaining a place like we were able to do 30 years ago. They even find it hard to obtain rentable accommodation.

    This needs an urgent twin track approach: increase housing supply and reduce population growth. One is no good without the other. And anyone who says it is, is deceiving you.

    Meanwhile like Lambo's situation above, I'm about half way through a wait for an appointment with local GP - 2 months. And we've been on their books for 30 years. It used to be 2 days.



  • Registered Users, Registered Users 2 Posts: 19 GreenPanda99


    I know lots of people earning far less than 107k that are buying homes now. That article is clearly clickbait.



  • Registered Users, Registered Users 2 Posts: 4,798 ✭✭✭standardg60


    Has to be one of the laziest pieces of 'research' I've ever read. Most of these homes must be lying empty if earners in the top 10% can't afford one.

    Taking the basic salaries of a Garda and a nurse (how stereotypical) is also a joke, they're on way more than that, would walk into a mortgage, so are most likely the ones settling into their 'unaffordable' home right now.



  • Registered Users, Registered Users 2 Posts: 7,645 ✭✭✭Gusser09


    That's the case with some couples obviously. But if you have a couple who are paying exorbitant rents then they might not be able to save a deposit. 107k is the gross figure not the net.

    Long term renters should be entitled to borrow 5 times in excess of their salary. Their mortgage payments will be substantially less than their rent payments but for some bizarre reason we don't take this into account.

    The system at the moment is designed to prop up mega landlords and pension funds. That's Fine Gaels policy.



  • Registered Users, Registered Users 2 Posts: 3,032 ✭✭✭Peter Flynt


    What are the salaries for a garda and nurse with 5 years service?



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