Individuals who cannot afford to purchase or lease a dwelling on the open market or through one of the Authority’s initiatives may request to be allocated a Government owned dwelling. Single individuals with an income less than €10,000 / year and single parents and married couples with an income of less than €12,000 are eligible. An additional €700 is allowed for each child under 18. Applicants must not have assets worth more than €28,000 to be eligible.
Exchange of Social Housing Dwelling
Tenants of Government owned dwellings may request to exchange their residence if valid and reasonable grounds to do so exist. Tenants must have been living in their current residence for the last three years and must not be in arrears on their rent or ARMS bills payments.
Recognition of Social Housing Dwelling
Family members of tenants of Government owned dwellings may request to become tenants upon the recognized tenants’ demise. The family members must have lived with the demised tenant for the last five years prior to their death and must satisfy the means testing criteria set by the Housing Authority.
Nikru biex Nassistu
The Nikru Biex Nassistu Scheme is aimed towards the owners of vacant dwellings who wish to lease their dwelling to the Housing Authority. The property is leased for 10 years and must be in a good state of repair and furnished with a kitchen including appliances. The Housing Authority subleases the leased property for social accommodation.
Deposit Payment Scheme
The Scheme on 10% Deposit is aimed towards individuals aged 40 or less who are in a position to take a loan but have not yet saved the 10% value of the property not catered for in the loan. The Housing Authority acts as a guarantor in a personal loan for this amount, thereby enabling beneficiaries to purchase properties worth up to €175,000. Interest on this personal loan is paid by the Housing Authority
Housing Benefit Scheme
The Private Rent Housing Benefit Scheme provides financial assistance for rent payments. The scheme ensures that nobody would have to pay more than 25% of their income in rent; provided that rent paid does not exceed €400 / month for singles and couples without children; €500 / month for families with one child and €600 / month for families with two or more children
Equity Sharing Scheme
The Equity Sharing Scheme is aimed towards individuals aged 30+ who, due to their age and income, cannot take a loan which suffices to purchase their home. The Housing Authority purchases up to 50% of a property worth up to €200,000, thereby lowering the value of the loan taken by the beneficiaries. The remaining share is purchased from the Housing Authority when the beneficiaries’ financial situation improves.
Social Loan Scheme
The Home Assist Loan Scheme is aimed towards low income earners who are not in a position to finance a home loan. A grant of up to €167 / month is given to finance part of the repayment of a loan for the purchase of a property worth up to €140,000. The annual income threshold is €18,536.64 for single persons, €19,536.64 for single parents and €20,536.64 for couples.
Sir Sid Darek
Scheme Sir Sid Darek enables tenants to purchase their Government owned residence. Tenants who hold assets worth less than €150,000 are granted 50% subsidy on the sale price. The sale is effected at the Housing Authority’s discretion; high value, strategically located and historic properties are not offered for sale under this scheme.
Grant on First Residence
The Grant to Assist Owners in the Completion of the First Home provides financial assistance to all first time buyers; no income threshold applies. The grant is calculated as 15.254% of the fiscal receipts submitted for finishing works, capped at €2,330 for singles and €5,824 for couples. An additional €1,165 is granted for rehabilitation on construction works if the purchased property was built before 1990.
Development of HOS Plots
Owners of plots of land allocated through the Home Ownership Scheme are obliged to pay a fee amounting to 25% of the value of the land if they wish to redevelop their plot into multiple units. The fee is waived and a hypothec for the same value is done if the redeveloped properties are to be used by the beneficiaries’ children.
Skema New Hope
The New Hope Scheme enables individuals who cannot take a life insurance due to a medical condition to purchase their residence. The Housing Authority acts as a guarantor in lieu of the life insurance policy to enable the purchase of properties worth up to €250,000. The beneficiaries pay a yearly contribution for the amount that would have been paid on a life insurance policy.
This scheme is intended for owners who lease their residence at affordable rents and are interested in selling the property to their tenants; as long as the tenants are eligible for the Housing Benefit. Both owners and tenants shall be exempt from paying tax on the first €200,000 if the lease has been ongoing for 10 years. Owners and tenants will be eligible for a 50% tax deduction if the lease has been ongoing for 3 years.
Installation of Lifts
The scheme for the installation of lifts in Government Owned blocks allows residents in these blocks to request the Housing Authority to install a lift. An application may be submitted for blocks where one or more flats are owned by the Government and one of the residents suffers from lack of mobility. The tenants must form a Residents’ Association to administer and maintain the lift.
Regeneration of Facades
Starting in 2018, each year the Authority allocates a budget for the regeneration of facades of social housing blocks. This program will ensure that gradually all facades of social housing blocks are restored. The blocks in each year’s program are chosen by the Housing Authority according to the state of deterioration of the facade.
Regeneration of Common Parts
Tenants of social housing blocks are given a grant of €6,000 to refurbish the common parts through the scheme “Il-Binja Tiegħi, id-Dar Tiegħi” which is run in conjunction with the local councils. Tenants must form a Residents’ Association and contact the local council to benefit from this scheme.
Rehabilitation of Vacant Dwellings
The scheme for the Rehabilitation of Vacant Dwellings provides financial assistance for the refurbishment of old properties which have been vacant for a year or longer. A grant of up to €25,000 is given on condition that the property is leased to the Housing Authority for a period of 10 years upon completion of works. The property is then sub-leased by the Authority for social housing purposes.
Adaptation of Pre-95 Properties
The scheme for Adaptation of properties leased before June 1995 provides financial assistance up to €25,000 for structural repairs in these dwellings. Tenants with an annual income up to €26,182 and assets worth up to €60,000 are eligible under this scheme.
Subsidy on Adaptation Works
The Subsidy on Adaptation Works Scheme provides financial assistance for the refurbishment of old dwellings. Individuals who own their dwelling may benefit from up to €14,000 to carry out structural and finishing works; tenants may benefit from up to €10,000 to refurbish the finishes whilst owners of leased dwellings may benefit from up to €4,000 to carry out structural works
Renovation of Housing Estates
Housing Estates built decades ago require substantial renovation to modernize them in line with current standards. The residents need not apply for this service, the refurbishment is done through a systematic and ongoing program.
The Sensability Scheme provides financial assistance for the equipping of a sensory room for autistic persons. An occupational therapist verifies each case and recommends the works financed through this scheme. The application may be submitted by the interested person’s relative or legal representative
Scheme for Persons with Disability
The Disability scheme provides financial assistance so that a property may be adapted for the needs of disabled persons, such as through the installation of a stairlift or the installation of a wheelchair accessible bathroom. Individuals with an annual income less than €50,000 and assets worth less than €150,000 may apply for financial assistance through this scheme.
Housing Authority is offering legal services for tenants who have a Court Case in front of the Rent Regulation Board to increase their rent from the 'old rents' to fairer rents. When the new rent is issued, individuals can benefit from rent subsidy according to the scheme conditions.
The Housing Authority periodically allocates dilapidated properties to Voluntary Organizations so that they may be redesigned and refurbished to cater for the specialized needs of specific target groups catered for by the Organizations. Refurbishment works are financed by the Housing Authority. The Organizations are chosen through competitions for this purpose announced from time to time.