13/01/2026
LDA cost rental සහ affordable purchase හරහා ඔයාලට අඩු මුදලකට ගෙයක් කුලියට ගන්න සහ මිලදී ගන්න පුලුවන් කියල දන්නවද?
🏠 1. LDA Cost Rental (Affordable Renting)
What it is
Cost Rental is a government-supported long-term rental housing option delivered by the LDA.
Instead of rents being set by the private market, they are based on the actual costs of building, managing and maintaining the homes — with the aim of offering lower, more stable rents than comparable private rents. 
Key Features
• Rent is below market level: Typically significantly cheaper than private rent in the area. For example, one report found cost rental rents can be around 30% below market rent. 
• Secure long-term tenancy: After a probationary period (e.g., six months), you usually get an indefinite lease if you meet tenancy obligations. 
• Modern homes: Often new builds with included white goods (fridge, washer-dryer etc.) — but unfurnished otherwise. 
• Deposit: Usually one month’s rent minus €50. 
How Rent Is Determined
Rent is calculated based on:
• Construction cost
• Management and maintenance costs
• Operating cost of the building
This is designed to be predictable and not driven by market speculation. 
Eligibility Criteria
Typical criteria for cost rental include:
• Net household income below a threshold (e.g., under €66,000 in Dublin and €59,000 elsewhere). 
• You do not currently own property. 
• You must afford the rent, which is normally capped at around 35% of your net income. 
• Permanent resident and tax domiciled in Ireland. 
How It Works
• You register interest online through the LDA/affordable homes portal. 
• Applicants are often chosen by lottery if demand outstrips supply. 
• If successful, you’ll be asked to provide financial and identity documentation within a set time window. 
Example rents:
Recent cost rental schemes have offered apartments such as:
• One-bed from about €990/month in Limerick. 
• Other Dublin schemes showing rents below typical Dublin private rents (e.g., €1,024+ for some units). 
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🏡 2. LDA Affordable Purchase (Buying a Home with Support)
What it Is
The LDA Affordable Purchase programme helps first-time buyers on low-to-moderate incomes buy a newly built home at a discounted price, using a State contribution to bridge the gap between what you can afford and the market price. 
How It Works
• The Local Authority or the LDA reduces the purchase price of the home using an Affordable Dwelling Contribution. 
• You must fund the remainder with your deposit + mortgage. 
Key Points
• You must be a first-time buyer (exceptions for “fresh start” cases). 
• Income limits apply, and your borrowing capacity must be within a specific range relative to the property’s market value. 
• Typically, the Local Authority takes an equity share equal to the discount provided (e.g., 20%). You can buy that equity back later if you wish. 
• You’ll need a mortgage approval in principle before applying. 
Costs When Buying
• Booking deposit: often around €5,000. 
• Mortgage deposit: usually minimum 10% of the full purchase price (before discounts). 
• The affordable purchase price is set after discount — you pay this, not the full market value.
#අයර්ලන්තයේමම 
