Noel Grealish (Galway West, Independent)
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364. To ask the Minister for Housing, Planning, and Local Government the part of the Housing (Rebuilding Ireland Home Loans) Regulations 2018 that precludes a person who is in the very early stages of a construction project; and if he will make a statement on the matter. [1728/21]

Darragh O'Brien (Dublin Fingal, Fianna Fail)
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Rebuilding Ireland Home Loans (RIHL) are provided in accordance with the Housing (Rebuilding Ireland Home Loans) Regulations 2018 and the statutory credit policy issued in accordance with the Regulations. The RIHL is available for self-builds and therefore persons in the very early stages of construction are not precluded from accessing the RIHL. However, given the greater complexity of self-builds, the regulations and the credit policy stipulate that there are appropriate additional requirements in place that must be met before RIHL funding will be advanced for these projects.

Decisions by local authorities as to whether to advance a loan to an individual are taken on a case-by-case basis, within the criteria as set out in the credit policy. Each local authority must have in place a credit committee which makes the final decision on applications for loans. There is also an appeal procedure in each local authority so that those who are not satisfied with a decision regarding their application can have the decision reviewed.