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Joint Oireachtas Committee on Housing, Planning and Local Government: General Scheme of the Affordable Housing Bill 2020: Discussion (Resumed) (16 Feb 2021)

...to impact both the demand and supply sides of the affordability equation. Two years ago we presented research to the joint committee on which households faced housing affordability challenges in Ireland. We found that affordability pressures were primary among low to middle income private renters, especially those in urban areas. In an updated study, that was published in 2020, we...

Joint Oireachtas Committee on Housing, Planning and Local Government: General Scheme of the Affordable Housing Bill 2020: Discussion (Resumed) (16 Feb 2021)

.... For example, is it that they have an insufficient deposit such that they are down payment constrained? In that context, an equity-type scheme is more important. If it is the case that their loan to income ratio is constrained, that would be much more an income constraint, which the Rebuilding Ireland home loan scheme would deal with. The targeting is important in the context of, in...

Joint Oireachtas Committee on Housing, Planning and Local Government: General Scheme of the Affordable Housing Bill 2020: Discussion (Resumed) (16 Feb 2021)

...there are critical gaps in the market that can be identified as gaps which these instruments can help to address, it is important to be able to facilitate that. For example, in our review of the Rebuilding Ireland home loan scheme we clearly stated that there was a clear gap in the market that that particular intervention was able to address and that there was a lot of merit in that...

Joint Oireachtas Committee on Housing, Planning and Local Government: General Scheme of the Affordable Housing Bill 2020: Discussion (Resumed) (16 Feb 2021)

...the affordability pressures are greatest at the lower end of the income distribution. It is likely that targeting instruments that help those areas with affordability pressures would be best. The Rebuilding Ireland home loan has a specific loan-to-income limit. When analysed, it clearly takes the part of the market that the commercial banks do not. In that context, we can see the...

Joint Oireachtas Committee on Housing, Planning and Local Government: General Scheme of the Affordable Housing Bill 2020: Discussion (Resumed) (16 Feb 2021)

...look at the pros and cons of an approach like this and to think about the various factors involved. This policy will interact with a number of other supports such as the help-to-buy scheme and the Rebuilding Ireland home loan, which are already in the market. In a sense it is about thinking through the potential channels through which a scheme like this will operate. Of course, the...