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Don't buy in a new estate

1246

Comments

  • Registered Users, Registered Users 2 Posts: 15,094 ✭✭✭✭javaboy


    A person shouldn't have to forfeit 20% short term gains on a PPR because of principles. You've still got to look out for yourself/your family over the interests of your neighbours. You can't expect someone to leave 70-100k on the table even if he did know who was buying.



  • Registered Users Posts: 2,066 ✭✭✭HerrKuehn




  • Registered Users, Registered Users 2 Posts: 3,733 ✭✭✭OMM 0000


    I know what the solution is, but most people here won't like it.

    No more social housing.

    It's time for people to grow up, take responsibility for themselves, and for skangers to get what they deserve, which is nothing.

    Alcoholic 20 year old mom with three kids? Take the kids away from her.

    Loser who doesn't want to work? Welcome to your new home on the street.

    Low income person who can't afford a home? Yeah it sucks, but spend your time studying instead of watching TV and you'll be able to increase your salary.

    We've tried the bleeding heart experiment for decades and it isn't working. Time to try something new.



  • Posts: 18,749 ✭✭✭✭ [Deleted User]


    I wouldn't expect anyone to, no.

    But then they shouldn't be against the very thing they have enabled. I would have no problem selling to the council, but then I don't have an issue with people who live in council houses.



  • Posts: 18,749 ✭✭✭✭ [Deleted User]


    Brilliant!

    where will they go? The thousands that live in social housing now?

    the streets? Would that somehow be better, thousands of people with no income, living in the streets? What do you think might happen then?

    Ever been somewhere with thousands of homeless on the streets? I think any amount of social housing is better then that.

    who will look after these kids, that we take from their parents? how much.will that cost? Maybe we should open up some of those orphanages we used to have. Because that would be so much better for the kids.

    🙄



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  • Registered Users, Registered Users 2 Posts: 14,345 ✭✭✭✭jimmycrackcorm


    That isn't a solution to anything. To be classed as a solution, it actually needs to solve a problem when your "solution" is just to make a problem worse.

    What's going to be your new solution to the problem of all these people on the streets - invent Soylent Green?



  • Registered Users Posts: 299 ✭✭Jmc25


    I grew up in a working class area surrounded by council estates, and also rented in a former council estate (as in, some but not all houses are now privately owned) and the worst neighbour I ever had was a private owner in a private development (so bad I sold). So I understand it's not as simple as privately owned good and social housing bad.

    But I also acknowledge that you've a higher chance of having a bad neighbour in a social housing situation. Saying that brings me no joy - purely on principle I'd say I'm very much pro social housing and I certainly wouldn't ever look down social housing in general.

    But I'd also be kidding myself if I didn't acknowledge I'd be more worried about who might move in if the house next door to me was bought by the council than by a private owner. And that's because the chances of having undesirable neighbours is higher with social than privately owned housing.

    As many people are saying here, the majority of social tenants are absolutely fine neighbours and would cause zero issues. But there's a percentage that would, and that percentage is more sizeable than that of private owners who would also cause issues.



  • Registered Users, Registered Users 2 Posts: 3,733 ✭✭✭OMM 0000


    It works just fine in Asia.

    People get jobs and start being responsible.

    Why are you paying for some scumbag to drink cans all day?



  • Registered Users, Registered Users 2 Posts: 3,733 ✭✭✭OMM 0000


    Not true, see my above post. I live in Asia where you're on your own. Guess what happens? People are forced to get their **** together.

    Our current system is guaranteeing we have generations of losers and skangers.



  • Posts: 18,749 ✭✭✭✭ [Deleted User]


    Where are they in Asia then?

    Ever been to the USA? That's not something I want in the streets of my city thanks.

    what about the kids then? Orphanage is it?



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  • Registered Users Posts: 2,066 ✭✭✭HerrKuehn


    Large council estates don't work. They didn't work in the 1980's when it was the main means of housing working class workers, i.e. most people worked at that time. The housing list based on priority means a different type of tenant is moving in now. Social housing could work if the council took responsibility for tenants behaving anti-socially and moved them out. There doesn't seem to be much hope of that though.



  • Registered Users, Registered Users 2 Posts: 3,733 ✭✭✭OMM 0000


    No more social housing, a three strikes law, free education, a work for the dole programme where people learn real skills.

    The people who refuse to get skills/education and get a job deserve nothing.

    If they are unfit parents (refuse to work) their children should be taken from them and given to one of the many decent families on the long waiting list for adoption.

    Ireland has too many skangers. Why do you want to keep paying for their lifestyle? Why do you want to continue with our current failed system? Are you on the dole?



  • Registered Users, Registered Users 2 Posts: 303 ✭✭.42.


    I 100% agree. Social housing should be stopped.

    Government should rent emergency housing from investment firms who would be granted permission to build their own apartment blocks or estates.

    Government can take out 25 year leases on 20% of the properties and tenants will be under common private tendency rules like other renters.


    Government should not own these types of properties like apartments and houses.



  • Registered Users, Registered Users 2 Posts: 3,676 ✭✭✭mondeo


    I think buying a Bungalow or a Cottage somewhere with no neighbours around you would be a solution to avoiding issues with other tenants of any category. I recall a friend of mine years back buying a Bungalow out in Naas Kildare with the nearest neighbour a few hundred meters up the road. Nice big front and rear garden, high fences and trees all around it, Beautiful ! The loudest noise you would hear would be a cow farting.

    You could buy in a housing estate with no social housing in sight and then a few short years some of the neighbours sell up and the council snatches everything up!



  • Registered Users, Registered Users 2 Posts: 12,618 ✭✭✭✭mariaalice


    How man time can different versions of the same thread come up, new houses are selling within hours of being launched along with extensive waiting lists for any that might come back on the market.



  • Posts: 18,749 ✭✭✭✭ [Deleted User]


    Am I on the dole?

    No. What does that have to do with anything?



  • Registered Users Posts: 813 ✭✭✭Macdarack


    There's kids I see every day who'd be better off in an orphanage than be in the hands of they're hosts, pure and absolute leeches who have kids to get fastracked to a house and do absolutely nothing only spawn and rear more degenerates, I think they're taking over at the rate they're going,they should not be allowed Internet or a tele until they get some sort of a job or rubbish picking , but to be fair, some of these people are not capable of working and need to be rehabed to a level of picking weeds . As for those pricks who work and live in a council house, they're not in the real world either and only work to buy shiny ****, lowered vw passats and get more tattoos, they don't mind living in a council estate because they want to be beside Ma and if they lucky Da! I've seen a few, a few lads who've picked themselves out of these hovels and said right I need to get out and away from these bad environments for me and my kids sakes, and I applaud them, they cut ties with the state dependant mantra. These people are a rarety.



  • Posts: 18,749 ✭✭✭✭ [Deleted User]


    Sweet Jaysus

    That's some horrendous rant against people who live in council houses.



  • Registered Users Posts: 813 ✭✭✭Macdarack


    The non working class people in council estates especially, I hate the cunce, the handout class, put a price on a non working class house of 5 for 20 years, it's disgusting.to be fair though its the system that's wrong and they know how to drain it, governments over the years have just thrown money at it to get the issue off the front pages . If the government was as clever at spending it as revenue collectors are at collecting money we'd be in a better place. Now I better go to work so I can fund them and their ruts.



  • Registered Users Posts: 76 ✭✭Will_I_Regret


    You'll have to tell me what job allows you to post on this site literally 24/7.



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  • Posts: 18,749 ✭✭✭✭ [Deleted User]


    A job were I work, shifts, Evey day of the year.

    Days, nights, weekends, holidays.

    A job were there are people working 24 hours a day, 7 days a week, 365 days of the year. Do you think I shouldn't have days off?



  • Registered Users, Registered Users 2 Posts: 69,548 ✭✭✭✭L1011




  • Posts: 0 [Deleted User]


    I cant see why one system is weighted over the other. Social Housing or private. The social model appears to be you will be housed in 3 choices, and you can turn down 3 before you might get an area you want to live in. Chances are in 2021 the houses are A rated etc energy wise. Possible simplification of the system but there it is.

    Private, based on my own experience, I didnt have 3 choices to live in an area of my desire. I had to tailor my search to what the bank would give me based on my salary, of two jobs part and full time to get a mortgage. Plus wipe out all my savings on a deposit.

    This meant I couldn't buy the house I wanted nor was it A rated. Again I am currently buying windows etc with no grants etc as i am working, but if i was on the dole i would get a grant for upgrades.

    I will be maintaining this house and servicing the mortgage until I retire. Social tenants do not have this burden. The council wont come and fix my boiler Christmas day etc.


    I can see the point of social housing, dont get me wrong people need to live and society needs to look after the least well off.


    However it needs to be balanced, to get your social house etc should be awarded with no choice, it should be also come with a caveat as in you look after your own garden and the green areas of the estates. etc. litter picking grass cutting. There should be reviews every 5 years. Tenants should not have the right to buy. Any repairs are put on the monthly cost of the house which the tenant pays.


    Failing that as I have paid taxes since I was 16 now in my 40s can I have a free house please and can it be A rated?? I promise I will pick the second choice, and only drink cans after 3pm!


    In our woke society surely this is classed as balance?



  • Registered Users, Registered Users 2 Posts: 428 ✭✭Madeoface


    I cycled over to this block as it's near me.

    It really is an imposing block of apartments, dwarfing the already occupied private houses that must have cost a pretty penny. Only in Ireland can you have private owners literally being looked down on by the free housing brigade.

    It is a disastrous decision by some faceless public servant whom you can guarantee ain't living near. Fast forward ten years and the estate should be interesting. Nowhere for the kids to play for starters... there is a little valley ideal for nuisance in years to come.

    10 or 20% social maybe there can be integration. Definitely not on this scale though.



  • Registered Users, Registered Users 2 Posts: 8,574 ✭✭✭Markcheese


    Just out of interest why should paying 700'000 ( or more ) , give you the right not to have social housing next to you ?

    There ARE social issues - the solution isn't to dump those social issues somewhere else -

    I don't think the councils are very good at running social housing but also think we need a proper social housing system -

    We've kinda relied on private rental for decades and that's one of the things that's gotten us here -

    I'd love to see what Ireland would have been like / could have been like If the bacon report had been implemented in full in the early 2000s !!!

    Slava ukraini 🇺🇦



  • Posts: 0 [Deleted User]



    Paying 700,000 or the ability or work ethic in life that achieves you a mortgage of that size should determine the bare minimum right of living next to someone who has been through the same thing to get where you are i.e hard work.


    Why should someone who hasnt contributed in society expect to be handed the 700k house for nothing.

    If thats the case why bother working or training or anything to develop yourself as the incentive, clearly is in favour against hard work.


    The reason the social housing is badly treated by the Councils is that attitude of everyone is equal some more than others i.e the bleeding heart brigade, dont work we woll house you etc.


    I have neighbours on the RAS/ social scheme, her car is ten years newer than mine they just had 4 weeks by the sea in clare, both of them dont work and 5 kids running wild. Thats not jealousy its fact.


    Really annoys me why people think i dont have the right to complain about this in Ireland today.


    So yes if you are on the hook for 700k then 100% yes you should be afforded the respect of not having to live next to a complete gouger.

    Anyone who thinks other wise, spend a few weeks living with them next door while paying 2500 a month mortgage while they pay nothing!



  • Registered Users, Registered Users 2 Posts: 529 ✭✭✭Smouse156


    I think social housing in new estates should be given based on an the following criteria list:

    1) Criminal Record - any serious crimes/convictions within past decade you’re excluded. Not talking minor traffic offences here

    2) Record of paying council rent - must have good history and be up to date

    3) Complaints from current social housing lease

    4) Current needs

    I think the council only focuses on 4 but if 1, 2 &3 we’re implemented first we would create a rewards system whereby good social tenants are rewarded and moved to better Accommodation while Whacker & Sharon/ Scummy McKnackbag are automatically excluded from new social housing.

    If the Knuckledraggers were cut out completely then we could easily go to 15% social in new developments. It’s what everyone is saying, the vast majority are good people and it’s the one or two bad apples that ruin it for the majority.

    Finally there should be a quick eviction system if one Knuckledragger gets through the net and so he goes back down to the bottom of the list and gets moved to the worst social housing available.

    This could concentrate the Knuckledraggers in a few areas yes but it would be easier for the guards then to concentrate their resources/presence.



  • Registered Users, Registered Users 2 Posts: 69,548 ✭✭✭✭L1011


    Any further implications that social housing is free, that all tenants don't work, use of pejorative terms for tenants etc will see this thread closed. These tropes are inaccurate, worthless and done to death already.


    Do not reply to this post.



  • Registered Users Posts: 2,029 ✭✭✭tastyt


    Do people on here that are defending giving social housing applicants properties worth 600k actual believe the shite they are spouting ?

    There is just no talking or reasoning with people who can’t grasp why people who saved and worked their arses off for years to buy a house can feel a bit hard done by if the people next door in the same house have just sat on their hole or worked half as much and have been handed the house for no deposit , no banks , much less monthly payment .


    it’s not rocket science



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  • Posts: 0 [Deleted User]


    It is rocket science if your woke!


    Guaranteed anyone who agrees that 600/770k or any house should be given at a reduced rate never lived or will never have to live next to one. Ever.



  • Posts: 18,749 ✭✭✭✭ [Deleted User]


    I cannot grasp why anybody would be jealous of someone living in a council house.

    I would much prefer to own my own house.



  • Registered Users, Registered Users 2 Posts: 8,574 ✭✭✭Markcheese


    I don't disagree that problem residents / neighbours need problem management - but that counts in all housing types -


    So someone is happy to concentrate the problem cases - in someone else's neighbourhood - most tenants in council or former council estates don't deserve to have all the problem cases dumped on them -

    Actually the former council estates in Dublin that are now half million euro houses are they to be exempt from having problem cases because of the current value of the houses -

    Slava ukraini 🇺🇦



  • Registered Users Posts: 2,066 ✭✭✭HerrKuehn


    The social model/contract is completely broken here. I don't believe in the country in the medium or long term. It is important to have a system that looks after those who cannot provide for themselves. For this to be successful longer term there needs to be a culture of wanting to do well and therefore be contributors to the system. I know people have said before that they may contribute in other ways, but this is irrelevant unless the benefit system pays out in non-financial pats on the back. If it becomes unbalanced, where there are too many people depending on the system and not enough contributing, it creates a lot of resentment. I think this is the situation we are in now.

    I know there is a lot of focus in the media on bad it is for lower earners (and I agree with that), but it isn't really working very well for higher earners either.

    The situation as it currently stands:

    1) Services are awful for the most part (health/housing/justice in particular).

    2) Taxes are very low (relative to other european countries)/non existent on low earners.

    3) Taxes are high on higher earners (again relative to other countries in europe).

    The temporary USC tax has a rate of 8% once you get to 70k.

    So, high taxes, one size fits all state pension (regardless of how much PRSI you paid), awful waiting times for hospitals etc.

    I think that any future government will find the situation difficult to resolve. The lower earners don't want to pay tax (the left's campaign against the water charges is a good example), but they want good services like decent social housing. The higher earners already feel they are paying a lot of tax and won't want to pay more, but more importantly, recently it has become clear that many of us can work remotely from abroad. I think this will become a popular option in the future, particularly if there are tax increases to pay for all this. So, the government is kind of between a rock and a hard place. We have been used to competing with other countries to get companies to base themselves here. In the future we will be competing with other countries so that workers will base themselves here.



  • Registered Users Posts: 299 ✭✭Jmc25


    It's a difficult one. On taxation - we can't really tax low earners much more or there'd simply be no incentive to work in low paid employment.

    On welfare - if we cut it to increase the incentive to work even at higher levels of taxation on lower incomes, poverty would increase and some (not all) recipients would seriously struggle to maintain even a basic standard if living.

    Overall, in terms of income and taxation, it generally pays to be in employment Vs on welfare.

    On housing - the balance that exists between being in low paid employment and on welfare isn't there. On the housing front it is quite clearly more beneficial to be on welfare so you can essentially have means of zero and apply for HAP or social housing.

    I'd even go further and say in some cases it's better to be on welfare than in relatively well paid employment when it comes to housing costs.

    So yeah, in terms of housing at least, you could argue the social contract is broken.



  • Registered Users Posts: 2,066 ✭✭✭HerrKuehn


    I agree it is difficult, I don't think it will be solved either. That is why I don't believe in the country in the longer term. If I ask myself, will Ireland be more like Switzerland say, with good services and social system, in 20 years? I would say definitely not. We don't have the culture here to achieve that. It is all much shorter term thinking. If Homer Simpson ran for sanitation commissioner here he would be shoo-in.

    I am one of the ones doing better, but I have to say if they are looking at increasing taxes I am planning on working abroad as a remote contractor.



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  • Registered Users Posts: 2,004 ✭✭✭FileNotFound


    Very Fair comment.

    I can also see that some people could feel somewhat annoyed that they may work in say Dun Laoighre and can only afford to live in Arklow or similar (2+ hrs of driving each day).

    Yet someone who has no employment and thus little reason to be stationed in Dun Laoighre (beyond sentimental rubbish) gets to take a house in that area. Especially when said workers tax is paying the bill.

    I know its not a realistic approach but I'd rather support the worker to live close to work and let the non worker live further away.


    Social housing en masse has a bad name and people can argue all they want but historically areas of mass social housing turn into the sh1t heaps of the country. People can elaborate on reasons why but nobody can argue with reality.



  • Registered Users Posts: 97 ✭✭Redkite200


    Have you been back lately? Just wondering as all I see since moving back to Ireland recently is once lovely and quaint villages and small towns being ruined by the introduction of fairly big and largely ugly new developments/ housing estates despite such small communities not having the basic local services that should be required before such projects are built. Does anyone else feel this way? I'm going a bit off topic here granted and I know houses have to be built somewhere and lots of people are crying out for them but some seem to be to the detriment of some of our nicest villages and small towns while the surrounding countryside is getting eaten up by contractors. That's my admittedly cynical view. Not a comment on social housing, just on the sort of carefree approach to planning in this country.



  • Registered Users, Registered Users 2 Posts: 747 ✭✭✭tjhook


    I think a key consideration is the question of why social housing exists, and what are our (society's) responsibilities in this area?

    I'd like to see a graduated solution rather than what we have today.

    Firstly, any of us can fall on hard times, and it benefits us all to give people a helping hand in such circumstances. So I'd like to see social welfare being related to your pre-unemployment income, for some period of time. I.e. you can stay in your own home and meet commitments while you get back on your feet. Your commitments/outgoings are likely to be related to the income you had before your situation changed for the worse. And you were likely paying into the tax bucket in relation to your income. I don't know for how long this should last, but an initial suggestion would be a significant portion of your income for a year, then maybe reducing for another year.

    Then, at some stage, it has to be recognised that things are taking longer to change for the better. It's not feasible to keep the original home if payments can't be made on it, but there should still an effort to support people to get back on their feet. At that stage I can see a big benefit to having social housing integrated with private housing. Maybe this phase lasting up to a few years.

    Finally, there has to be acceptance that somebody is unlikely to become self-sufficient. That they are likely to need society's support on an ongoing basis. I definitely wouldn't be in the "throw them onto the street" camp, but I think at this stage it's fair enough to consider dedicated areas of social housing. Cheap but livable. And other supports (education etc) available for those who do desire a move back into the workforce.

    Editing to add: I'm only really talking about social housing here, I think affordable housing is a separate area



  • Registered Users, Registered Users 2 Posts: 15,094 ✭✭✭✭javaboy


    If the council has 700k to spend on buying second homes, it would be nice to see them knocking on random doors in 4-500k estates and offering the owners 6-700k for their house. The owner can then trade up to a 6-700k house.

    The social housing recipient still gets a decent house.

    The council would only buy a set percentage of houses across various areas so no clustering of social housing.

    The people who sold their 500k house for 700k feel great because they got some of their taxes back, weren't leapfrogged by someone who hasn't paid as much into the system, and now live in a nicer house/area.

    The new neighbours who lived in the 700k estate already are less irritated because the gap in what they paid/are paying for their house vs their new neighbours is not as wide.

    It preserves the notion that working harder is more rewarding.



  • Registered Users, Registered Users 2 Posts: 303 ✭✭.42.


    We’re affordable housing attached to the tax payer in anyway when being built?


    A three-bedroom house in Ballymun has sold for €325,000, an increase of more than 90 per cent on its purchase price when it was bought under an affordable housing scheme less than four years ago.

    The house built by housing co-operative Ó Cualann Cohousing Alliance went on the market two weeks ago for €250,000 a mark-up of almost 50 per cent on its original sales price of €170,000.



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  • Registered Users, Registered Users 2 Posts: 69,548 ✭✭✭✭L1011


    The seller will have to pay a clawback, as stated in the article.



  • Registered Users, Registered Users 2 Posts: 303 ✭✭.42.


    What % is the clawback on profit?

    never mind

    This would result in a clawback payment of €57,353



  • Registered Users Posts: 2,066 ✭✭✭HerrKuehn


    The article mentions between 115k-150k profit for the seller.



  • Registered Users, Registered Users 2 Posts: 69,548 ✭✭✭✭L1011


    The clawback is based on discount not profit; this (should/used to, at least - there was such a long time between the old and current schemes) ensures that it has to be paid even if the house is sold for a paper loss.



  • Posts: 25,611 ✭✭✭✭ [Deleted User]


    It's funny how the people who insist that living next to a load of social tenants wouldn't be an issue yet since they're the same as anyone else yet also claim that putting all the social tenants together would inevitably lead to chronic issues. Really strange.



  • Registered Users, Registered Users 2 Posts: 23,918 ✭✭✭✭Kermit.de.frog


    You've won the thread with that one.

    Fundamentally it's about fairness, which is all anyone wants for everyone. It is patently not fair for those who take responsibility for themselves and do all the right things to have to play Russian roulette in this way with regard to social housing in new estates.

    And that applies to workers in social housing too who also face these problems.



  • Registered Users, Registered Users 2 Posts: 1,291 ✭✭✭Viscount Aggro


    Heard a story about a couple bought a place in Hunters Wood, Ballycullen.

    He called next to ask about keeping the noise down.

    Later that night a big gas canister got put thru their window.

    They ended up moving shortly afterwards.

    You have to realise .. most people are skangers, and the tax and welfare system encourages it.



  • Registered Users, Registered Users 2 Posts: 12,618 ✭✭✭✭mariaalice


    The same posters complains all the time about social housing, it's a perennial topic on boards in several shapes and forms but there is one point that always gets missed, who complains the loudest?. In an estate of houses selling 500-700k, you may get someone saying F me some of them are very rough ( something I have heard someone say about the social housing in their estate) but they don't really have an issue with the social houseing it's not relevant to them they come from families who have been middle class for generations they are secure and comfortable with themselves, it's those who have scraped in by their fingernails who look down those in social housing.

    Post edited by mariaalice on


  • Registered Users, Registered Users 2 Posts: 596 ✭✭✭MSVforever


    I have a solution. Let's create a few highrise tower blocks for social housing on the outskirts of the cities/towns like in mainland Europe which provides basic housing needs, i.e. a roof over your head.

    If you want to better yourself and get a 3 bed semi then you know what do. This keeps the cost down and there won't be any begrudgery from people working their back sides off for a mortgage.



  • Registered Users, Registered Users 2 Posts: 596 ✭✭✭MSVforever


    To be honest if the house is the same as the private house then I can understand why people would be jealous. Let's take SDCC for example: The minimum rent of a council house is €23 per week or 10% of the households net income (source: sdcc.ie - differential rent scheme).

    If you buy the same house with a mortgage over 20 years (purchase price €300k) you are paying easily €1500 p.m. (excluding insurances etc).

    You also have to factor in maintenance costs over the years.

    What happens if you loose your job and can't pay the mortgage? The banks take ownership of the house. If you loose your job while living in a council house your rent will be reduced by the council. The only advantage of owning a house is that you have an asset for your kids.



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