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Repayment Affordability Ratio


This data examines the affordability of mortgage repayments in Ireland and describes housing affordability by calculating the proportion of household income consumed by mortgage repayments, 

These calculations are based on an example of a two-earner household, both on the average (mean) wage.  The analysis shows the percentage of after-tax income such a household would spend in the first year of a mortgage that was used to purchase a new house. 


Affordability ratios can be used to describe the ease or difficulty that households have in meeting mortgage repayments.