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When everyone has a home

Housing advice for Northern Ireland

Paying for a home

Use these calculators to work out where you can make savings and how long it will take you to repay your debts.

Buying your own home is a huge financial commitment. It's important that you do your research and fully understand your options before you commit to anything. If you can't afford to pay the full purchase cost of a property you might be able to part buy and part rent the property with the help of Co-ownership Housing Association.

Buying your own home is a huge financial commitment. It's important that you do your research and fully understand your options before you commit to anything. If you can't afford to pay the full purchase cost of a property you might be able to part buy and part rent the property with the help of Co-ownership Housing Association.

Most people need to apply for a mortgage when they’re buying a home. This is a long term loan from a bank or building society. The loan is secured on your home so if you stop paying the bank can repossess the property. You should speak to an independent financial adviser to find out which type of mortgage is best for you.

A new system of Discretionary Support replaces the Social Fund from 28 November 2016.  As with the Social Fund, this new system will provide financial assistance to people who find themselves in urgent financial need because of a crisis or an emergency. 

You could be entitled to financial support to help you resolve a housing problem.  You could apply for a loan to help pay rent in advance if you’re renting privately or from a housing association or to help buy emergency supplies for your new home.

Dacă închiriați o locuință, trebuie să plătiți chirie proprietarului. Dacă nu plătiți chiria, puteți fi evacuat. În majoritatea cazurilor, trebuie de asemenea să plătiți un depozit proprietarului, înainte de începerea închirierii, și mulți proprietari privați solicită plata chiriei lunare la începutul lunii.

Whether you own your home or rent it, you need to have contents insurance. Homeowners will also need to have buildings insurance and may have to have life assurance as part of the conditions of their mortgage. Insurance protects you against risk. In return for this cover, you pay a premium to the insurance company. You can usually pay your premiums in a lump sum or in monthly deduction

Chiria de obicei acoperă suma impusă de către proprietar pentru a vă da dreptul să locuiți în locuință. Uneori chiria include cheltuieli adiționale, cum ar fi pentru facturi sau întreținere. Acest tip de chirie se numește chirie inclusivă.

Your rate bill is worked out by multiplying the capital value of your property by the total of the domestic regional rate and the domestic district rate. The regional rate is set by the NI Assembly each year. The district rates are set by each local council.

Ако сте наели имот, вие трябва да плащате наем на собственика. Можете да бъдете изгонен, ако не плащате наем. В повечето случаи Вие също трябва да дадете на наемодателя депозит преди да се настаните и много частни наемодатели, изискват наема да се плаща в началото на месеца.

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