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TOMORROW, A BILL is to be launched in the UK House of Lords (by Lord John Bird, founder of the Big Issue magazine) in an attempt to have a person’s rental records included amongst the criteria used to assess their credit score.
The thinking behind the bill is that UK citizens with perfect rental records are being subjected to more punitive repayment schemes for goods than those who own their own home.
In theory, the bill could see long-term renters rewarded for their years of rental payments in terms of a mortgage application, for example.
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When applying for a mortgage in Ireland, meanwhile, generally a person’s previous six months of bank statements are taken into account to assess their suitability for a loan.
However, the amount that an Irish bank will actually lend is governed by the Central Bank’s mortgage rules – which sees an aspiring borrower limited to a loan 3.5 times the size of their gross income.
But should a person’s rental history be justification for granting a larger mortgage?
We’re asking: Should a person’s rental history help them to get a larger mortgage?
Poll Results:
Yes (7938)
No (1029)
I don't know (307)
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This seems to bypass what the strike is about – the state is trying to employ public health consultants at the current rate of €120k per year to increase the competence in the health service. Some IMO members reckon they can get €250k in private industry with the same qualifications, and want this to be the baseline, and the 60 or so doctors currently employed would instantly double their contract cost/salary, be retained as consultants rather than public health doctors. If we are serious about public health reform, then this type of duopoly of private consultant salaries for all is highly dangerous, and trickles down to every part of public health.
@James Ward: So it’s about people on huge amounts of money wanting more. Actually more than double the huge amounts of money they already earn. Fair enough.
@James Ward: There must be more to it. Otherwise all the doctors would go private and the state would have no choice but to raise salaries. A strike wouldn’t be needed
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