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Paragraph 8 General provisions applying to housing costsI1

Northern Ireland

Changes not yet applied. Later legislation changes this provision in ways not yet written into the text below:

(1)

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 (2), 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.

C1C2C3C4C5C6C7C8C9C10C11C12C13(2)

Subject to sub-paragraphs (3) to (8), the appropriate amount is £100,000.

(3)

Where a person is treated under paragraph 4(6) (payments in respect of 2 dwellings) as occupying 2 dwellings as his home, then the restrictions imposed by sub-paragraph (1) shall be applied separately to the loans for each dwelling.

(4)

In a case to which paragraph 6 (apportionment of housing costs) applies, the appropriate amount for the purposes of sub-paragraph (1) shall be the lower of –

C14C15C16C17C18C19C20C21C22C23C24C25C26(a)

a sum determined by applying the formula –

P×Q,

where –

  • P = the relevant fraction for the purposes of paragraph 6, and

  • Q = 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

(b)

the sum for the time being specified in sub-paragraph (2).

(5)

In a case to which paragraph 11(3) or 12(3) (loans which qualify in part only) applies, the appropriate amount for the purposes of sub-paragraph (1) shall be the lower of –

(a)

a sum representing for the time being the part of the loan applied for the purposes specified in paragraph 11(1) or, as the case may be, paragraph 12(1), or

(b)

the sum for the time being specified in sub-paragraph (2).

(6)

In the case of any loan to which paragraph 12(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 (2) is exceeded.

(7)

Where in any case the amount for the time being specified for the purposes of sub-paragraph (2) is exceeded and there are 2 or more loans to be taken into account under either or both paragraphs 11 and 12, 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.

C27C28C29C30C31F1C32C33C34C35C36C37C38C39(8)

For the purposes of sub-paragraph (7), the qualifying portion of a loan shall be determined by applying the following formula –

R×ST

where –

  • R = the amount for the time being specified for the purposes of sub-paragraph (1);

  • S = the amount of the outstanding loan to be taken into account;

  • T = the aggregate of all outstanding loans to be taken into account under paragraphs 11 and 12.

Annotations

Textual amendments

F1

Words in Sch. 2 para. 8(8) substituted (1.10.2007) by The Social Security (Miscellaneous Amendments No. 5) Regulations (Northern Ireland) 2007 (S.R. 2007/396), regs. 1(1), 8(5)

Modifications

C1

Sch. 2 para. 8(2): sum specified (7.4.2003) by The Social Security Benefits Up-rating Order (Northern Ireland) 2003 (S.R. 2003/155), arts. 1(1)(d), 24(6), Sch. 14

C2

Sch. 2 para. 8(2): sum specified (12.4.2004) by The Social Security Benefits Up-rating Order (Northern Ireland) 2004 (S.R. 2004/82), arts. 1(1)(e), 24(6), Sch. 16

C3

Sch. 2 para. 8(2): sum specified (11.4.2005) by The Social Security Benefits Up-rating Order (Northern Ireland) 2005 (S.R. 2005/82), arts. 1(1)(f), 24(6), Sch. 16

C4

Sch. 2 para. 8(2): sum specified (with effect in accordance with arts. 1(2), 6 of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2006 (S.R. 2006/109), arts. 1(1)(g), 24(6), Sch. 16

C5

Sch. 2 para. 8(2): sum specified (coming into operation in accordance with art. 1(1)(l) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2007 (S.R. 2007/153), art. 24(6), Sch. 16

C6

Sch. 2 para. 8(2): sum specified (coming into force in accordance with art. 1(1)(l) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2008 (revoked) 2008 (S.R. 2008/92), art. 24(6), Sch. 16

C7

Sch. 2 para. 8(2): sums specified (coming into force in accordance with art. 1(1)(k) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2009 (revoked) 2009 (S.R. 2009/89), art. 24(6), Sch. 13

C8

Sch. 2 para. 8(2): sum specified (coming into force in accordance with art. 1(1)(l) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2010 (revoked) 2010 (S.R. 2010/118), art. 24(6), Sch. 13

C9

Sch. 2 para. 8(2): sum specified (coming into force in accordance with art. 1(1)(l) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2011 (revoked) 2011 (S.R. 2011/119), arts. 1(1)(l), 25(6), Sch. 13

C10

Sch. 2 para. 8(2): sum specified (coming into force in accordance with art. 1(1)(l) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2012 (S.R. 2012/116), arts. 1(1)(l), 25(6), Sch. 13

C11

Sch. 2 para. 8(2): sum specified (coming into force in accordance with art. 1(1)(k) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2013 (revoked) 2013 (S.R. 2013/69), arts. 1(1)(k), 24(6), Sch. 13

C12

Sch. 2 para. 8(2): sum specified (coming into force in accordance with art. 1(1)(k) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2014 (revoked) 2014 (S.R. 2014/78), arts. 1(1)(k), 24(6), Sch. 13

C13

Sch. 2 para. 8(2): sum specified (coming into force in accordance with art. 1(1)(k) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2015 (revoked) 2015 (S.R. 2015/124), arts. 1(1)(k), 24(6), Sch. 13

C14

Sch. 2 para. 8(4)(a): sums specified (7.4.2003) by The Social Security Benefits Up-rating Order (Northern Ireland) 2003 (S.R. 2003/155), arts. 1(1)(d), 24(6), Sch. 14

C15

Sch. 2 para. 8(4)(a): sum specified (12.4.2004) by The Social Security Benefits Up-rating Order (Northern Ireland) 2004 (S.R. 2004/82), arts. 1(1)(e), 24(6), Sch. 16

C16

Sch. 2 para. 8(4)(a): sum specified (11.4.2005) by The Social Security Benefits Up-rating Order (Northern Ireland) 2005 (S.R. 2005/82), arts. 1(1)(f), 24(6), Sch. 16

C17

Sch. 2 para. 8(4)(a): sum specified (with effect in accordance with arts. 1(2), 6 of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2006 (S.R. 2006/109), arts. 1(1)(g), 24(6), Sch. 16

C18

Sch. 2 para. 8(4)(a): sum specified (coming into operation in accordance with art. 1(1)(l) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2007 (S.R. 2007/153), art. 24(6), Sch. 16

C19

Sch. 2 para. 8(4)(a): sum specified (coming into force in accordance with art. 1(1)(l) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2008 (revoked) 2008 (S.R. 2008/92), art. 24(6), Sch. 16

C20

Sch. 2 para. 8(4)(a): sums specified (coming into force in accordance with art. 1(1)(k) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2009 (revoked) 2009 (S.R. 2009/89), art. 24(6), Sch. 13

C21

Sch. 2 para. 8(4)(a): sum specified (coming into force in accordance with art. 1(1)(l) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2010 (revoked) 2010 (S.R. 2010/118), art. 24(6), Sch. 13

C22

Sch. 2 para. 8(4)(a): sum specified (coming into force in accordance with art. 1(1)(l) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2011 (revoked) 2011 (S.R. 2011/119), arts. 1(1)(l), 25(6), Sch. 13

C23

Sch. 2 para. 8(4)(a): sum specified (coming into force in accordance with art. 1(1)(l) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2012 (S.R. 2012/116), arts. 1(1)(l), 25(6), Sch. 13

C24

Sch. 2 para. 8(4)(a): sum specified (coming into force in accordance with art. 1(1)(k) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2013 (revoked) 2013 (S.R. 2013/69), arts. 1(1)(k), 24(6), Sch. 13

C25

Sch. 2 para. 8(4)(a): sum specified (coming into force in accordance with art. 1(1)(k) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2014 (revoked) 2014 (S.R. 2014/78), arts. 1(1)(k), 24(6), Sch. 13

C26

Sch. 2 para. 8(4)(a): sum specified (coming into force in accordance with art. 1(1)(k) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2015 (revoked) 2015 (S.R. 2015/124), arts. 1(1)(k), 24(6), Sch. 13

C27

Sch. 2 para. 8(8): sum specified (7.4.2003) by The Social Security Benefits Up-rating Order (Northern Ireland) 2003 (S.R. 2003/155), arts. 1(1)(d), 24(6), Sch. 14

C28

Sch. 2 para. 8(8): sum specified (12.4.2004) by The Social Security Benefits Up-rating Order (Northern Ireland) 2004 (S.R. 2004/82), arts. 1(1)(e), 24(6), Sch. 16

C29

Sch. 2 para. 8(8): sum specified (11.4.2005) by The Social Security Benefits Up-rating Order (Northern Ireland) 2005 (S.R. 2005/82), arts. 1(1)(f), 24(6), Sch. 16

C30

Sch. 2 para. 8(8): sum specified (with effect in accordance with arts. 1(2), 6 of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2006 (S.R. 2006/109), arts. 1(1)(g), 24(6), Sch. 16

C31

Sch. 2 para. 8(8): sum specified (coming into operation in accordance with art. 1(1)(l) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2007 (S.R. 2007/153), art. 24(6), Sch. 16

C32

Sch. 2 para. 8(8): sum specified (coming into force in accordance with art. 1(1)(l) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2008 (revoked) 2008 (S.R. 2008/92), art. 24(6), Sch. 16

C33

Sch. 2 para. 8(8): sums specified (coming into force in accordance with art. 1(1)(k) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2009 (revoked) 2009 (S.R. 2009/89), art. 24(6), Sch. 13

C34

Sch. 2 para. 8(8): sum specified (coming into force in accordance with art. 1(1)(l) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2010 (revoked) 2010 (S.R. 2010/118), art. 24(6), Sch. 13

C35

Sch. 2 para. 8(8): sum specified (coming into force in accordance with art. 1(1)(l) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2011 (revoked) 2011 (S.R. 2011/119), arts. 1(1)(l), 25(6), Sch. 13

C36

Sch. 2 para. 8(8): sum specified (coming into force in accordance with art. 1(1)(l) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2012 (S.R. 2012/116), arts. 1(1)(l), 25(6), Sch. 13

C37

Sch. 2 para. 8(8): sum specified (coming into force in accordance with art. 1(1)(k) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2013 (revoked) 2013 (S.R. 2013/69), arts. 1(1)(k), 24(6), Sch. 13

C38

Sch. 2 para. 8(8): sum specified (coming into force in accordance with art. 1(1)(k) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2014 (revoked) 2014 (S.R. 2014/78), arts. 1(1)(k), 24(6), Sch. 13

C39

Sch. 2 para. 8(8): sum specified (coming into force in accordance with art. 1(1)(k) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2015 (revoked) 2015 (S.R. 2015/124), arts. 1(1)(k), 24(6), Sch. 13

Commencement

I1

Sch. 2 para. 8 in operation at 6.10.2003, see reg. 1(1)