{
  "url": "https://openlegislation.uk/state-pension-credit-regulations-northern-ireland-2003/schedule-2/paragraph-12",
  "json_url": "https://openlegislation.uk/state-pension-credit-regulations-northern-ireland-2003/schedule-2/paragraph-12.json",
  "legislation": "nisr/2003/28",
  "legislation_title": "The State Pension Credit Regulations (Northern Ireland) 2003",
  "legislation_url": "https://openlegislation.uk/state-pension-credit-regulations-northern-ireland-2003",
  "path": "schedule/2/paragraph/12",
  "kind": "paragraph",
  "number": "12",
  "heading": "Loans for repairs and improvements to the dwelling occupied as the home",
  "text": "(1) A loan qualifies under this paragraph where the loan was taken out, with or without security, for the purpose of –\n(a) carrying out repairs and improvements to the dwelling occupied as the home;\n(b) paying any service charge imposed to meet the cost of repairs and improvements to the dwelling occupied as the home;\n(c) paying off another loan to the extent that the other loan would have qualified under head (a) or (b) had the loan not been paid off,\nand the loan was used for that purpose, or is used for that purpose within 6 months of the date of receipt or such further period as may be reasonable in the particular circumstances of the case.\n(2) In sub-paragraph (1) “repairs and improvements” means any of the following measures undertaken with a view to maintaining the fitness of the dwelling for human habitation or, where the dwelling forms part of a building, any part of the building containing that dwelling –\n(a) provision of a fixed bath, shower, wash basin, sink or lavatory, and necessary associated plumbing, including the provision of hot water not connected to a central heating system;\n(b) repairs to existing heating system;\n(c) damp proof measures;\n(d) provision of ventilation and natural lighting;\n(e) provision of drainage facilities;\n(f) provision of facilities for preparing and cooking food;\n(g) provision of insulation of the dwelling occupied as the home;\n(h) provision of electric lighting and sockets;\n(i) provision of storage facilities for fuel or refuse;\n(j) repairs of unsafe structural defects;\n(k) adapting a dwelling for the special needs of a disabled person, or\n(l) provision of separate sleeping accommodation for persons of different sexes aged 10 or over but under age 20 who live with the claimant and for whom the claimant or partner is responsible.\n(3) Where a loan is applied only in part for the purposes specified in sub-paragraph (1), only that portion of the loan which is applied for that purpose shall qualify under this paragraph.",
  "extent": "N.I.",
  "status": null,
  "version": "current",
  "annotations": [
    {
      "type": "F",
      "label": "F1",
      "text": "Word in Sch. 2 para. 12(2)(l) substituted (10.4.2006) by The Social Security (Young Persons) (Amendment) Regulations (Northern Ireland) 2006 (S.R. 2006/128), regs. 1(1)(b), 5(4)(i)"
    },
    {
      "type": "I",
      "label": "I1",
      "text": "Sch. 2 para. 12 in operation at 6.10.2003, see reg. 1(1)"
    }
  ],
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      "type": "sum specified",
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      "type": "words substituted",
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      "affecting_title": "The Loans for Mortgage Interest Regulations (Northern Ireland) 2017"
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      "affecting_title": "The Universal Credit (Miscellaneous Amendments and Transitional and Savings Provisions) Regulations (Northern Ireland) 2017"
    },
    {
      "type": "sum substituted",
      "affecting": "nisr/2017/56",
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    },
    {
      "type": "sums substituted",
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    {
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  ],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/nisr/2003/28/schedule/2/paragraph/12",
    "retrieved_at": "2026-10-29T02:05:09.593277+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."
}