Eoghan Murphy (Dublin Bay South, Fine Gael) | Oireachtas source

-----but I take the Deputy's point that people can get less than what they applied for and there is a bigger gap to fill when making up the difference. Even the 10% requirement can be structured so that only 3% of it has to come from the person's savings. There are further mechanisms to assist there. Ultimately, when we consider the approval of a Rebuilding Ireland home loan it is linked to the person's ability to pay; it is not linked to their income. It must remain linked to that.

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