Post
by Brigid from Ireland » Sat Nov 02, 2013 6:51 pm
My personal opinion is that the RAS scheme or housing provided by a charitable/voluntary body is less valuable than a house from the local authority.
Reasons: 1. You can never buy the house if it is owned by a charitable/voluntary body, but you can buy the house if it is owned by the local authority, and they give you a percentage discount, which increases by reference to the length you have lived in it.
2. If you surrender a local authority house to buy your own house, there is sometimes a grant available (not available if you surrender the other types of house).
3. RAS has advantages - mostly that the houses are often in 'nicer' private estates, but the big disadvantage is that when the children leave home you will be re-housed in a smaller home, suitable to a couple with no children. Again, this does not happen if you have a local authority house.
Zaza, if you know where you wish to live, you can ask that local authority how long is their waiting list. Personally I would recommend that you live in a town like Longford, with good transport links (train) to Dublin, because in a town like that you will be able to purchase a house in a good part of town, even if your income is very low, as houses are cheap there. (With four children, their presence will bring your income up to a level where even a small job will allow you to buy a house in rural Ireland). If you are in Dublin you will never be able to purchase a house, and will be renting in an area where beloved may be a problem and schools not very good, but in Dublin it is easier to get a job, so it is a difficult choice to make. Schools will definitely be better in rural Ireland than in a poor part of Dublin.
BL