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30-11-2019, 20:40   #31
The Student
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Hmmmm. But surely it could be rented as a room then in a three bed where you'd "intend" to rent out the other two beds....but sure just never get around to finding suitable tenants...)
Good luck with that if or when Revenue contact you. You do realize that the RTB share all info with Revenue automatically. In the current housing situation the defense of not finding someone suitable most likely will not be accepted by Revenue.
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30-11-2019, 20:42   #32
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Good luck with that if or when Revenue contact you. You do realize that the RTB share all info with Revenue automatically. In the current housing situation the defense of not finding someone suitable most likely will not be accepted by Revenue.

Well I just remembered the HAP would be less in that case anyway.

Perhaps the best thing to do then would be to charge, at least on paper, the person near market rent even though it would be above HAP levels.

The system is ****ed up with it can't facilitate a person trying to help someone else (and in the process potentially saving the system a lot of money)
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30-11-2019, 20:48   #33
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Well I just remembered the HAP would be less in that case anyway.

Perhaps the best thing to do then would be to charge, at least on paper, the person near market rent even though it would be above HAP levels.

The system is ****ed up with it can't facilitate a person trying to help someone else (and in the process potentially saving the system a lot of money)
The figure on paper is what the tax payable would be calculated from.
Sounds like you may be looking for ways to flaunt a system here so please thread carefully, on thread and in reality.

Thread will be monitored and any sign of illegal advice will activate a thread lock.
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30-11-2019, 21:05   #34
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The figure on paper is what the tax payable would be calculated from.
Sounds like you may be looking for ways to flaunt a system here so please thread carefully, on thread and in reality.

Thread will be monitored and any sign of illegal advice will activate a thread lock.
No. I don't know how it could be "flaunting a system".

I gave three scenarios.

Scenario 3 is the default
Scenario 1 is not feasible long term
Scenario 2 is potentially feasible due to a friend who will help out at their own cost.


Scenario 2 saves the state money, creditors get repaid and the individual does not get their life disrupted. Asking the question is no more flaunting the system than a person coming on to say "my abusive partner beat the shite out of me. I can't afford to rent on my own. How do I get into a womens refuge". If you think it is flaunting the system, then please advise how it could be. The sick person has no income other than disability allowance and no prospect of getting off same in the foreseeable future. They have no family able or willing to help.

There is also a good link on the first page for a charity that apparently does this for people. Perhaps they should be reported for "flaunting the system"?
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30-11-2019, 21:18   #35
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No. I don't know how it could be "flaunting a system".

I gave three scenarios.

Scenario 3 is the default
Scenario 1 is not feasible long term
Scenario 2 is potentially feasible due to a friend who will help out at their own cost.


Scenario 2 saves the state money, creditors get repaid and the individual does not get their life disrupted. Asking the question is no more flaunting the system than a person coming on to say "my abusive partner beat the shite out of me. I can't afford to rent on my own. How do I get into a womens refuge". If you think it is flaunting the system, then please advise how it could be. The sick person has no income other than disability allowance and no prospect of getting off same in the foreseeable future. They have no family able or willing to help.

There is also a good link on the first page for a charity that apparently does this for people. Perhaps they should be reported for "flaunting the system"?
You may not agree with the current system but you have to accept it. I would suggest you make yourself familiar with all aspects of property rental from RTA requirements, licensee laws and tax laws before you proceed.

With the current housing crisis any bending of the rules no matter how worthy you may think it is on an individual basis is still wrong and with that comes quite harsh and severe penalties.

I would suggest you heed the moderators advice.
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30-11-2019, 21:42   #36
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You may not agree with the current system but you have to accept it. I would suggest you make yourself familiar with all aspects of property rental from RTA requirements, licensee laws and tax laws before you proceed.

With the current housing crisis any bending of the rules no matter how worthy you may think it is on an individual basis is still wrong and with that comes quite harsh and severe penalties.

I would suggest you heed the moderators advice.

I suggest you read my question slower and understand that nobody is talking about bending any rules. I am asking whether it is possible (i.e. what the rules are), and what would need to be done to make it possible (i.e. to abide by rules).

If you don't know the answer, then thanks for your contribution but it is only adding noise to the thread. which you are free to do as you wish but it won't be helping me

Last edited by Donald Trump; 30-11-2019 at 21:46.
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30-11-2019, 21:49   #37
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No. I don't know how it could be "flaunting a system".

I gave three scenarios.

Scenario 3 is the default
Scenario 1 is not feasible long term
Scenario 2 is potentially feasible due to a friend who will help out at their own cost.


Scenario 2 saves the state money, creditors get repaid and the individual does not get their life disrupted. Asking the question is no more flaunting the system than a person coming on to say "my abusive partner beat the shite out of me. I can't afford to rent on my own. How do I get into a womens refuge". If you think it is flaunting the system, then please advise how it could be. The sick person has no income other than disability allowance and no prospect of getting off same in the foreseeable future. They have no family able or willing to help.

There is also a good link on the first page for a charity that apparently does this for people. Perhaps they should be reported for "flaunting the system"?
Mod Note

This exact post is what I am referring to. You cannot flaunt the system and pretend to be renting a room.

Quote:
Originally Posted by Donald Trump View Post
Hmmmm. But surely it could be rented as a room then in a three bed where you'd "intend" to rent out the other two beds....but sure just never get around to finding suitable tenants...)
Now, again. On thread warning for any advice that involves bending or attempting to bend the law will not be tolerated.
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30-11-2019, 21:55   #38
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I suggest you read my question slower and understand that nobody is talking about bending any rules. I am asking whether it is possible (i.e. what the rules are), and what would need to be done to make it possible (i.e. to abide by rules).

If you don't know the answer, then thanks for your contribution but it is only adding noise to the thread. which you are free to do as you wish but it won't be helping me
I have offered you assistance on your post. You suggested charging rent on paper that was not the actual rent. This is bending the rules.

I highlighted the issues you need to be aware of and the risks associated. Your condescending tone of "read my question slower" is enough for me to bow out of this thread.
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30-11-2019, 22:24   #39
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Unless op you are renting to a sibling or similar (arms length rules) there is no CAT charge for the beneficiary by charging less than market rate.
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30-11-2019, 23:16   #40
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I have offered you assistance on your post. You suggested charging rent on paper that was not the actual rent. This is bending the rules.

I highlighted the issues you need to be aware of and the risks associated. Your condescending tone of "read my question slower" is enough for me to bow out of this thread.

It cannot be a "benefit in kind". That is when your employer gives you something in addition to, or lieu of, salary. Forgive my tone as I was annoyed by earlier posters.

I assume you meant to say they might be liable for a "gift tax" however the poster above says that there would be no CAT due.

Last edited by Donald Trump; 30-11-2019 at 23:20.
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01-12-2019, 08:08   #41
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Go to bed if you can't understand simple logic and don't have anything constructive to contribute.

You are not asking a question anymore you just want everyone to agree with you. Read up on the law regarding HAP and in general how someone can obtain social housing . Breaking the law is not permitted no matter how you want to twist it. The aggressive replies you give show you are of poor character, try and be more civil in your replies.
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01-12-2019, 08:20   #42
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In respect to the poster who asked about if the property would be in a condition suitable for HAP. There are strict criteria for social housing that must be met with respect to minimum renting standards, so you would need to bring the property in line with these, if not already, in order to make your preferred option work
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02-12-2019, 23:16   #43
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You are not asking a question anymore you just want everyone to agree with you. Read up on the law regarding HAP and in general how someone can obtain social housing . Breaking the law is not permitted no matter how you want to twist it. The aggressive replies you give show you are of poor character, try and be more civil in your replies.
As I said there are three scenarios. The person is ill and disabled and unable to work. They only have disability allowance. That is fact and isn't going to change. They won't own their house in a few years regardless of what else happens.

The first scenario (that some kind soul is located who pays the ill persons mortgage for the rest of their life) is unrealistic.

The third scenario is the default - that as the ill person has nowhere to go, they stay in the house until they are dragged, or as I said - wheeled, out of the house by bailiffs after a few years of not paying mortgage. Under this scenario there will be no equity to pay existing unsecured creditors and they can eat their losses. After eviction, the state will necessarily need to provide safe accommodation - lets say a conservative 1500 a month. (Or maybe you'd protest against that too....perhaps you'd want the ill person to be wheeled in under a bridge and left there with a cardboard box?)

The second scenario is that some kind soul buys the house now, the equity is used to pay off creditors and the new owner allows the ill person to stay in their home for HAP rent which would cost the state about 500 a month.

But for you, you won't want to pay your own mortgage if scenario 2 happens. It's kind of weird to be honest. So the current creditors lose their money. And it will cost the state 1k more per month compared to scenario 2 to house the ill person.
The question then springs to mind as to how much extra you'd be willing to have the state pay just so you could know that an ill and disabled person lost some of the last remnants of their dignity by being dragged out of their home? Is there even a price to it for you? If scenario 3 was going to cost the state a million a month more would it still be worth it to you?

"of poor character". Good man. We'll buy you a mirror
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03-12-2019, 07:09   #44
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I thought you were the home owner, but are you the kind soul looking to buy the house and checking to see if the state will pay the rent afterwards?

Surely this is a conversation to be had with the relevant local authority, I’m sure the current owner’s mind would be more at ease if the LA confirmed their stance before the house sale. Any advice here is just opinion, it’s up to the LA to decide.

Last edited by Dav010; 03-12-2019 at 07:14.
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03-12-2019, 08:59   #45
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He might be covered under his mortgage protection insurance.

It would be great if he was, I'd feel like a superhero.
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