Brian Stanley (Laois-Offaly, Sinn Fein) | Oireachtas source

But there is the cost, the delays and the time. I have a final question on the AHBs. We had a long conversation the last time Mr. Doyle was here and we had the regulator, Susanna Lyons, here. I spoke to Ms Lyons again recently. An annual sectoral analysis came out which is a very useful document. It states:

Future Intentions of AHBs

The annual monitoring programme sought information relating to the future intentions of AHBs, including their intention to register with AHBRA, mergers, stock transfers and considerations relating to applying for cancellation.

345 AHBs (89%) indicated that they intend to register...

A lot of these are now coming out of the mortgage period. I only had a very quick look at this document but my understanding is that the AHB now owns the property, the loan has been redeemed and it is out of that mortgage. A total of 89% of them said they intend to retain AHB status. I want to know what happens to the other 11%. What happens to these houses and apartments that are out of the loan period or finance period? Is the AHB free to do what it likes with that house? The taxpayer built the house. That is what I am asking Mr. Doyle.