{ "url": "https://openlegislation.uk/jobseekers-allowance-regulations-northern-ireland-1996/schedule-2/paragraph-10", "json_url": "https://openlegislation.uk/jobseekers-allowance-regulations-northern-ireland-1996/schedule-2/paragraph-10.json", "legislation": "nisr/1996/198", "legislation_title": "The Jobseeker’s Allowance Regulations (Northern Ireland) 1996", "legislation_url": "https://openlegislation.uk/jobseekers-allowance-regulations-northern-ireland-1996", "path": "schedule/2/paragraph/10", "kind": "paragraph", "number": "10", "heading": "General provisions applying to new and existing housing costs", "text": "(1) Where a person enters into a new agreement in respect of a dwelling and an agreement entered into before 2nd October 1995 (“the earlier agreement”) continues in operation independently of the new agreement, then—\n(a) the housing costs applicable to the new agreement shall be calculated by reference to the provisions of paragraph 7 (new housing costs);\n(b) the housing costs applicable to the earlier agreement shall be calculated by reference to the provisions of paragraph 6 (existing housing costs),\nand the resulting amounts shall be aggregated.\n(2) Sub-paragraph (1) does not apply in the case of a claimant to whom paragraph 8 (general exclusions from paragraphs 6 and 7) applies.\n(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.\n(4) Subject to sub-paragraphs (5) to (10), the appropriate amount is £100,000.\n(5) Where a person is treated under paragraph 3(6) (payments in respect of 2 dwellings) as occupying 2 dwellings as his home, then the restrictions imposed by sub-paragraph (3) shall be applied separately to the loans for each dwelling.\n(6) In a case to which paragraph 5 (apportionment of housing costs) applies, the appropriate amount for the purposes of sub-paragraph (3) shall be the lower of—\n(a) a sum determined by applying the formula—\nP×Q, where—\nP = the relevant fraction for the purposes of paragraph 5, and\nQ = the amount or, as the case may be, the aggregate amount for the time being of any loan or loans which qualify under this Schedule, or\n(b) the sum for the time being specified in sub-paragraph (4).\n(7) In a case to which paragraph 14(3) or 15(3) (loans which qualify in part only) applies, the appropriate amount for the purposes of sub-paragraph (3) shall be the lower of—\n(a) a sum representing for the time being the part of the loan applied for the purposes specified in paragraph 14(1) or, as the case may be, 15(1), or\n(b) the sum for the time being specified in sub-paragraph (4).\n(8) In the case of any loan to which paragraph 15(2)(k) (loan taken out and used for the purpose of adapting a dwelling for the special needs of a disabled person) applies the whole of the loan, to the extent that it remains unpaid, shall be disregarded in determining whether the amount for the time being specified in sub-paragraph (4) is exceeded.\n(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 14 and 15, then the amount of eligible interest in respect of each of those loans to the extent that the loans remain outstanding shall be determined as if each loan had been reduced to a sum equal to the qualifying portion of that loan.\n(10) For the purposes of sub-paragraph (9), the qualifying portion of a loan shall be determined by applying the following formula—\nFFFF\nR×ST where—\nR = the amount for the time being specified for the purposes of sub-paragraph (4);\nS = the amount of the outstanding loan to be taken into account;\nT = the aggregate of all outstanding loans to be taken into account under paragraphs 14 and 15.", "extent": "N.I.", "status": "prospective", "version": "current", "annotations": [ { "type": "I", "label": "I1", "text": "Sch. 2 para. 10 in operation at 7.10.1996, see reg. 1(1)" } ], "outstanding_effects": [ { "type": "words inserted", "affecting": "nisr/1996/476", "affecting_title": "The Income-Related Benefits and Jobseeker’s Allowance (Personal Allowances for Children and Young Persons) (Amendment) Regulations (Northern Ireland) 1996" }, { "type": "words inserted", "affecting": "nisr/1996/476", "affecting_title": "The Income-Related Benefits and Jobseeker’s Allowance (Personal Allowances for Children and Young Persons) (Amendment) Regulations (Northern Ireland) 1996" }, { "type": "words substituted", "affecting": "nisr/1996/476", "affecting_title": "The Income-Related Benefits and Jobseeker’s Allowance (Personal Allowances for Children and Young Persons) (Amendment) Regulations (Northern Ireland) 1996" }, { "type": "words omitted", "affecting": "nisr/1996/476", "affecting_title": "The Income-Related Benefits and Jobseeker’s Allowance (Personal Allowances for Children and Young Persons) (Amendment) Regulations (Northern Ireland) 1996" }, { "type": "words added", "affecting": "nisr/1996/476", "affecting_title": "The Income-Related Benefits and Jobseeker’s Allowance (Personal Allowances for Children and Young Persons) (Amendment) Regulations (Northern Ireland) 1996" }, { "type": "coming into force", "affecting": "nisr/1996/198", "affecting_title": "The Jobseeker’s Allowance Regulations (Northern Ireland) 1996" }, { "type": "coming into force", "affecting": "nisr/1996/198", "affecting_title": "The Jobseeker’s Allowance Regulations (Northern Ireland) 1996" }, { "type": "coming into force", "affecting": "nisr/1996/198", "affecting_title": "The Jobseeker’s Allowance Regulations (Northern Ireland) 1996" }, { "type": "coming into force", "affecting": "nisr/1996/198", "affecting_title": "The Jobseeker’s Allowance Regulations (Northern Ireland) 1996" }, { "type": "coming into force", "affecting": "nisr/1996/198", "affecting_title": "The Jobseeker’s Allowance Regulations (Northern Ireland) 1996" }, { "type": "coming into force", "affecting": "nisr/1996/198", "affecting_title": "The Jobseeker’s Allowance Regulations (Northern Ireland) 1996" }, { "type": "coming into force", "affecting": "nisr/1996/198", "affecting_title": "The Jobseeker’s Allowance Regulations (Northern Ireland) 1996" }, { "type": "coming into force", "affecting": "nisr/1996/198", "affecting_title": "The Jobseeker’s Allowance Regulations (Northern Ireland) 1996" }, { "type": "coming into force", "affecting": "nisr/1996/198", "affecting_title": "The Jobseeker’s Allowance Regulations (Northern Ireland) 1996" }, { "type": "coming into force", "affecting": "nisr/1996/198", "affecting_title": "The Jobseeker’s Allowance Regulations (Northern Ireland) 1996" }, { "type": "coming into force", "affecting": "nisr/1996/198", "affecting_title": "The Jobseeker’s Allowance Regulations (Northern Ireland) 1996" }, { "type": "coming into force", "affecting": "nisr/1996/198", "affecting_title": "The Jobseeker’s Allowance Regulations (Northern Ireland) 1996" }, { "type": "coming into force", "affecting": "nisr/1996/198", "affecting_title": "The Jobseeker’s Allowance Regulations (Northern Ireland) 1996" }, { "type": "coming into force", "affecting": "nisr/1996/198", "affecting_title": "The Jobseeker’s Allowance Regulations (Northern Ireland) 1996" }, { "type": "coming into force", "affecting": "nisr/1996/198", "affecting_title": "The Jobseeker’s Allowance Regulations (Northern Ireland) 1996" }, { "type": "coming into force", "affecting": "nisr/1996/198", "affecting_title": "The Jobseeker’s Allowance Regulations (Northern Ireland) 1996" }, { "type": "coming into force", "affecting": "nisr/1996/198", "affecting_title": "The Jobseeker’s Allowance Regulations (Northern Ireland) 1996" }, { "type": "coming into force", "affecting": "nisr/1996/198", "affecting_title": "The Jobseeker’s Allowance Regulations (Northern Ireland) 1996" }, { "type": "coming into force", "affecting": "nisr/1996/198", "affecting_title": "The Jobseeker’s Allowance Regulations (Northern Ireland) 1996" }, { "type": "words substituted", "affecting": "nisr/2016/44", "affecting_title": "The Social Security (Housing Costs Amendments) Regulations (Northern Ireland) 2016" }, { "type": "words substituted", "affecting": "nisr/2016/44", "affecting_title": "The Social Security (Housing Costs Amendments) Regulations (Northern Ireland) 2016" }, { "type": "words omitted", "affecting": "nisr/2016/44", "affecting_title": "The Social Security (Housing Costs Amendments) Regulations (Northern Ireland) 2016" }, { "type": "omitted", "affecting": "nisr/2016/44", "affecting_title": "The Social Security (Housing Costs Amendments) Regulations (Northern Ireland) 2016" }, { "type": "words substituted", "affecting": "nisr/2016/44", "affecting_title": "The Social Security (Housing Costs Amendments) Regulations (Northern Ireland) 2016" }, { "type": "words substituted", "affecting": "nisr/2016/44", "affecting_title": "The Social Security (Housing Costs Amendments) Regulations (Northern Ireland) 2016" }, { "type": "omitted", "affecting": "nisr/2016/44", "affecting_title": "The Social Security (Housing Costs Amendments) Regulations (Northern Ireland) 2016" }, { "type": "sum substituted", "affecting": "nisr/2023/150", "affecting_title": "The Social Security Benefits Up-rating (No. 3) Order (Northern Ireland) 2023" }, { "type": "sum substituted", "affecting": "nisr/2023/150", "affecting_title": "The Social Security Benefits Up-rating (No. 3) Order (Northern Ireland) 2023" }, { "type": "inserted", "affecting": "nisr/2000/350", "affecting_title": "The Jobseeker’s Allowance (Joint Claims) Regulations (Northern Ireland) 2000" }, { "type": "words inserted", "affecting": "nisr/2000/350", "affecting_title": "The Jobseeker’s Allowance (Joint Claims) Regulations (Northern Ireland) 2000" }, { "type": "words inserted", "affecting": "nisr/2000/350", "affecting_title": "The Jobseeker’s Allowance (Joint Claims) Regulations (Northern Ireland) 2000" }, { "type": "words substituted", "affecting": "nisr/2000/350", "affecting_title": "The Jobseeker’s Allowance (Joint Claims) Regulations (Northern Ireland) 2000" }, { "type": "substituted", "affecting": "nisr/2000/350", "affecting_title": "The Jobseeker’s Allowance (Joint Claims) Regulations (Northern Ireland) 2000" }, { "type": "words substituted", "affecting": "nisr/2000/350", "affecting_title": "The Jobseeker’s Allowance (Joint Claims) Regulations (Northern Ireland) 2000" }, { "type": "words substituted", "affecting": "nisr/2000/350", "affecting_title": "The Jobseeker’s Allowance (Joint Claims) Regulations (Northern Ireland) 2000" }, { "type": "words inserted", "affecting": "nisr/2000/350", "affecting_title": "The Jobseeker’s Allowance (Joint Claims) Regulations (Northern Ireland) 2000" }, { "type": "words substituted", "affecting": "nisr/2000/350", "affecting_title": "The Jobseeker’s Allowance (Joint Claims) Regulations (Northern Ireland) 2000" }, { "type": "added", "affecting": "nisr/2000/350", "affecting_title": "The Jobseeker’s Allowance (Joint Claims) Regulations (Northern Ireland) 2000" }, { "type": "inserted", "affecting": "nisr/2000/350", "affecting_title": "The Jobseeker’s Allowance (Joint Claims) Regulations (Northern Ireland) 2000" }, { "type": "words inserted", "affecting": "nisr/2000/350", "affecting_title": "The Jobseeker’s Allowance (Joint Claims) Regulations (Northern Ireland) 2000" }, { "type": "words substituted", "affecting": "nisr/2000/350", "affecting_title": "The Jobseeker’s Allowance (Joint Claims) Regulations (Northern Ireland) 2000" }, { "type": "inserted", "affecting": "nisr/2000/350", "affecting_title": "The Jobseeker’s Allowance (Joint Claims) Regulations (Northern Ireland) 2000" }, { "type": 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"The Social Security Benefits Up-rating Order (Northern Ireland) 2022" }, { "type": "sum substituted", "affecting": "nisr/2022/231", "affecting_title": "The Social Security Benefits Up-rating (No. 2) Order (Northern Ireland) 2022 (revoked)" }, { "type": "sum substituted", "affecting": "nisr/2022/231", "affecting_title": "The Social Security Benefits Up-rating (No. 2) Order (Northern Ireland) 2022 (revoked)" }, { "type": "sum substituted", "affecting": "nisr/2022/231", "affecting_title": "The Social Security Benefits Up-rating (No. 2) Order (Northern Ireland) 2022 (revoked)" }, { "type": "sum substituted", "affecting": "nisr/2022/231", "affecting_title": "The Social Security Benefits Up-rating (No. 2) Order (Northern Ireland) 2022 (revoked)" }, { "type": "words substituted", "affecting": "nisr/2014/275", "affecting_title": "The Social Security (Miscellaneous Amendments No. 2) Regulations (Northern Ireland) 2014" }, { "type": "word omitted", "affecting": "nisr/2008/286", "affecting_title": "The Employment and Support Allowance (Consequential Provisions) Regulations (Northern Ireland) 2008" }, { "type": "added", "affecting": "nisr/2008/286", "affecting_title": "The Employment and Support Allowance (Consequential Provisions) Regulations (Northern Ireland) 2008" }, { "type": "sum substituted", "affecting": "nisr/2019/46", "affecting_title": "The Social Security (2018 Benefits Up-rating) Order (Northern Ireland) 2019" }, { "type": "sums substituted", "affecting": "nisr/2019/46", "affecting_title": "The Social Security (2018 Benefits Up-rating) Order (Northern Ireland) 2019" }, { "type": "sums substituted", "affecting": "nisr/2019/46", "affecting_title": "The Social Security (2018 Benefits Up-rating) Order (Northern Ireland) 2019" }, { "type": "sums substituted", "affecting": "nisr/2019/46", "affecting_title": "The Social Security (2018 Benefits Up-rating) Order (Northern Ireland) 2019" }, { "type": "sums substituted", "affecting": "nisr/2019/46", "affecting_title": "The Social Security (2018 Benefits Up-rating) Order (Northern Ireland) 2019" }, { "type": "sum specified", "affecting": "nisr/2018/56", "affecting_title": "The Social Security (2017 Benefits Up-rating) Order (Northern Ireland) 2018" }, { "type": "sum specified", "affecting": "nisr/2018/56", "affecting_title": "The Social Security (2017 Benefits Up-rating) Order (Northern Ireland) 2018" }, { "type": "sum specified", "affecting": "nisr/2018/56", "affecting_title": "The Social Security (2017 Benefits Up-rating) Order (Northern Ireland) 2018" }, { "type": "sum specified", "affecting": "nisr/2018/56", "affecting_title": "The Social Security (2017 Benefits Up-rating) Order (Northern Ireland) 2018" }, { "type": "sum specified", "affecting": "nisr/2018/56", "affecting_title": "The Social Security (2017 Benefits Up-rating) Order (Northern Ireland) 2018" }, { "type": "sum specified", "affecting": "nisr/2018/56", "affecting_title": "The Social Security (2017 Benefits Up-rating) Order (Northern Ireland) 2018" }, { "type": "words inserted", "affecting": "nisr/2021/345", "affecting_title": "The Social Security (Income and Capital Disregards) (Amendment) Regulations (Northern Ireland) 2021" }, { "type": "inserted", "affecting": "uksi/2013/3021", "affecting_title": "The Armed Forces and Reserve Forces Compensation Scheme (Consequential Provisions: Subordinate Legislation) (Northern Ireland) Order 2013" }, { "type": "words inserted", "affecting": "uksi/2013/3021", "affecting_title": "The Armed Forces and Reserve Forces Compensation Scheme (Consequential Provisions: Subordinate Legislation) (Northern Ireland) Order 2013" }, { "type": "sum substituted", "affecting": "nisr/2000/38", "affecting_title": "The Social Security Benefits Up-rating Order (Northern Ireland) 2000" }, { "type": "sum substituted", "affecting": "nisr/2000/38", "affecting_title": "The Social Security Benefits Up-rating Order (Northern Ireland) 2000" }, { "type": "sum substituted", 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"affecting": "nisr/1996/503", "affecting_title": "The Social Security and Child Support (Jobseeker’s Allowance) (Miscellaneous Amendments) Regulations (Northern Ireland) 1996" }, { "type": "substituted", "affecting": "nisr/1996/503", "affecting_title": "The Social Security and Child Support (Jobseeker’s Allowance) (Miscellaneous Amendments) Regulations (Northern Ireland) 1996" }, { "type": "sum substituted", "affecting": "nisr/1997/113", "affecting_title": "The Social Security Benefits Up-rating Order (Northern Ireland) 1997" }, { "type": "sum substituted", "affecting": "nisr/1997/113", "affecting_title": "The Social Security Benefits Up-rating Order (Northern Ireland) 1997" }, { "type": "sum substituted", "affecting": "nisr/1997/113", "affecting_title": "The Social Security Benefits Up-rating Order (Northern Ireland) 1997" }, { "type": "sums substituted", "affecting": "nisr/1997/113", "affecting_title": "The Social Security Benefits Up-rating Order (Northern Ireland) 1997" }, { 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"affecting_title": "The Social Security (Scotland) Act 2018 (Disability Assistance for Children and Young People) (Consequential Modifications) Order 2021" }, { "type": "added", "affecting": "uksi/2022/177", "affecting_title": "The Social Security (Disability Assistance for Working Age People) (Consequential Amendments) Order 2022" }, { "type": "words inserted", "affecting": "uksi/2022/177", "affecting_title": "The Social Security (Disability Assistance for Working Age People) (Consequential Amendments) Order 2022" }, { "type": "inserted", "affecting": "uksi/2024/919", "affecting_title": "The Social Security (Scotland) Act 2018 (Disability Assistance) (Consequential Amendments) Order 2024" }, { "type": "words inserted", "affecting": "uksi/2024/919", "affecting_title": "The Social Security (Scotland) Act 2018 (Disability Assistance) (Consequential Amendments) Order 2024" }, { "type": "inserted", "affecting": "uksi/2025/227", "affecting_title": "The Social Security (Scotland) Act 2018 (Disability Assistance) (Consequential Amendments) Order 2025" }, { "type": "words inserted", "affecting": "uksi/2025/227", "affecting_title": "The Social Security (Scotland) Act 2018 (Disability Assistance) (Consequential Amendments) Order 2025" } ], "provenance": { "source": "legislation.gov.uk", "source_url": "https://www.legislation.gov.uk/nisr/1996/198/schedule/2/paragraph/10", "retrieved_at": "2026-10-29T02:36:06.555307+00:00" }, "licence": "Open Government Licence v3.0", "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/", "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives." }