The implementation of housing loan schemes such as the shared ownership and affordable housing schemes are matters for individual local authorities. To be eligible for either scheme applicants must satisfy the local authority that they are in need of housing and their income satisfies the income test such that in the case of a single income household gross income does not exceed €32,000 and in the case of a two income household, such that two and a half times the gross income of the principal earner plus once the gross income of the subsidiary earner does not exceed €80,000, or a person whose application for local authority housing has been approved by the local authority, or a local authority tenant or tenant purchaser who wishes to buy a private house and to return their present house to the local authority, or a tenant for more than one year of a house provided by a voluntary body under the rental subsidy scheme who wishes to buy a private house and return their present house to the voluntary body.
Persons working legally under a work permit may be considered for a loan under either scheme provided they meet the criteria outlined above.