# The Employment and Support Allowance Regulations (Northern Ireland) 2008, Paragraph 12: General provisions applying to ...housing costs

Extent: N.I.

(1) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
(2) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
(3) Where for the time being a loan exceeds, or in a case where more than one loan is to be taken into account, the aggregate of those loans exceeds the appropriate amount specified in sub-paragraph (4), then the amount of the loan or, as the case may be, the aggregate amount of those loans, shall for the purposes of this Schedule, be the appropriate amount.
(4) £100,000.
(5) Where a claimant is treated under paragraph 5(6) as occupying 2 dwellings as the home, then the restrictions imposed by sub-paragraph (3) are to be applied separately to the loans for each dwelling.
(6) In a case to which paragraph 7 applies, the appropriate amount for the purposes of sub-paragraph (3) is to be the lower of—
(a)
(b) the sum for the time being specified in sub-paragraph (4).
(7) In a case to which paragraph 16(3) or 17(3) applies, the appropriate amount for the purposes of sub-paragraph (3) is to be the lower of—
(a) a sum representing for the time being the part of the loan applied for the purposes specified in paragraph 16(1) or, as the case may be, paragraph 17(1); or
(b) the sum for the time being specified in sub-paragraph (4).
(8) In the case of any loan to which paragraph 17(2)(k) applies the whole of the loan, to the extent that it remains unpaid, is to be disregarded in determining whether the amount for the time being specified in sub-paragraph (4) is exceeded.
(9) Where in any case the amount for the time being specified for the purposes of sub-paragraph (4) is exceeded and there are 2 or more loans to be taken into account under either or both paragraphs 16 and 17, then the amount of eligible interest in respect of each of those loans to the extent that the loans remain outstanding is to be determined as if each loan had been reduced to a sum equal to the qualifying portion of that loan.
(10) The qualifying portion of a loan shall be determined by applying the formula—
R x ST
(11) Sub-paragraph (12) applies to a person who, had the person been entitled to income support and not an employment and support allowance, would have been a person to whom any of the following transitional or savings provisions would have applied—
(a) regulation 4 of the Income Support (General) (Amendment No. 4) Regulations (Northern Ireland) 1993 (“the 1993 Regulations”);
(b) regulation 3 of the Income-Related Benefits (Miscellaneous Amendments) Regulations (Northern Ireland) 1995 (“the 1995 Regulations”).
(c) in a case to which the 1995 Regulations would have applied, the appropriate amount is £125,000.
(12) Where this sub-paragraph applies, the amount of housing costs applicable in the particular case is to be determined as if—
(a) in a case to which regulation 4(1) of the 1993 Regulations would have applied, sub-paragraphs (4) to (9) do not apply;
(b) in a case to which regulation 4(4) of the 1993 Regulations would have applied, the appropriate amount is £150,000; and
(c) in a case to which the 1995 Regulations would have applied, the appropriate amount is £125,000.

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Source: https://www.legislation.gov.uk/nisr/2008/280/schedule/6/paragraph/12 (the official version)
Page: https://openlegislation.uk/employment-and-support-allowance-regulations-northern-ireland-2008/schedule-6/paragraph-12
Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives.