Victor Boyhan (Independent) | Oireachtas source

It is likely that this is perhaps the most important amendment before us. In respect of affordability, whether it relates to affordable purchase or affordable rent, the public housing model or any other model, surely 30% of net income would be the maximum. I would go as far as supporting the point Deputy Ó Broin made in respect of Senator Moynihan's amendment, that the maximum should be 30% of net income. Let us forget about location. Housing is either affordable or not affordable. Affordability judged by what one has in one's pocket at the end of the day.

We must simplify and demystify the debate on housing. Many people outside these Houses are bellyaching about their commitments to affordable housing. They should be honest and keep it simple. Affordability is about what one has as disposable income. I consider 30% of net income to be a maximum. That is the key message about affordable purchase, rental or whatever scheme. It is the one line that constantly resonates with people outside. People talk about whether rents "are linked to our income". Nothing is affordable if it is not based on net income. This amendment is perhaps the strongest message that we can send out today. It is something I wish to echo and hang on to, because it is simple and clear. We need some clarity in this debate. We must reflect on what the people outside understand by the term "affordable" and what they are calling for. They are calling for equity, fairness and affordability. A figure of 30% of net income is a maximum. I appeal to all members to reconsider and support what is a very reasonable proposal and amendment.