Naas Town Council Development Plan 2005 - Kildare.ie

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2.4 Identification of Affordability Thresholds In order to determine housing affordability it has been necessary in sections 2.1 through 2.3 to analyse county-level estimates of population, household size, household income, and house prices. The purpose of the analysis is to identify the most expensive house that various households, of varying income, can afford to purchase, and the number of houses that are likely to be supplied in each price range or price band. The Planning and Development Act (Section 93(1)) sets out the parameters that need to be applied. These are as follows: * yearly loan repayment is less than or equal to 35% of annual income, net of income tax and pay related insurance; and * the loan to value ratio should not exceed 90%. A number of assumptions are also made, including a 25-year term, and an APR of 6%. This APR is recommended in the DoELG circular of 26th February (HS 3/01, Appendix 3). These assumptions form the basis of the calculation to establish the size of mortgage that a given income can attract. Table 2.5 below illustrates how, for a fixed house price of £100,000, changes in two of the three variables (interest rate and loan to value ratio) can affect the income threshold at which affordability becomes as issue. Annual disposable income is calculated so that the annual repayment represents 35% of income. Table 2.5 Mortgage Servicing Costs under Different Scenarios House Price Loan to Loan Size (Eur) APR Term Monthly Annual Annual (Eur) Value Ratio (years) Repayment Repayment Disposable (Eur) (Eur) Income (a) Significance of different loan to value ratios 126,974 0.90 114,276 0.05 25 668.05 8,017 22,905 126,974 0.85 107,928 0.05 25 630.93 7,571 21,631 126,974 0.80 101,580 0.05 25 593.82 7,125 20,359 (b) Significance of different interest rates 126,974 0.90 114,276 0.06 25 736.28 8,835 25,244 126,974 0.90 114,276 0.07 25 807.68 9,692 27,692 126,974 0.90 114,276 0.08 25 881.96 10,583 30,239 Naas Town Council Development Plan 2005-2011 app.5 225
app.5 226 Table 2.6 a, b and c below, show the estimated yearly total household numbers for the period of the Strategy, derived from Table 2.1, and distributed in accordance with the income bands derived from Household Budget Survey and Regional Income data (Table 2.2). From this, the number of total additional households in each band is calculated by comparing the household numbers for each income band in consecutive years. This provides the total figure shown at the bottom of the table. Table 2.6a Income Distribution of Annual Additional Households Income Total Households Deciles (%)* 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 9.0 [1] 4,582 4,789 4,979 5,190 5,382 5,576 5,767 5,957 6,144 6,331 10.1 [2] 5,143 5,374 5,587 5,824 6,039 6,257 6,471 6,687 6,895 7,105 9.8 [3] 4,989 5,214 5,421 5,651 5,859 6,071 6,279 6,487 6,691 6,894 9.4 [4] 4,786 5,002 5,201 5,420 5,620 5,823 6,023 6,222 6,417 6,613 9.4 [5] 4,786 5,002 5,201 5,420 5,620 5,823 6,023 6,222 6,417 6,613 10.5 [6] 5,346 5,586 5,809 6,054 6,278 6,505 6,727 6,950 7,169 7,387 10.5 [7] 5,346 5,586 5,809 6,054 6,278 6,505 6,727 6,950 7,169 7,387 9.8 [8] 4,989 5,214 5,421 5,651 5,859 6,071 6,279 6,487 6,691 6,894 10.3 [9] 5,245 5,481 5,698 5,938 6,159 6,381 6,599 6,818 7,032 7,247 11.2 [10] 5,703 5,959 6,196 6,458 6,697 6,938 7,176 7,415 7,646 7,879 Total 50,914 53,204 55,323 57,659 59,793 61,951 64,068 66,199 68,274 70,352 * Income Decile numbers are in brackets – see Table 2.2. Table totals may not sum due to rounding Table 2.6c Total Additional Households (Per Annum) 9.0 [1] 7,200 7,848 8,162 8,619 9,145 9,785 10,499 11,244 12,043 12,886 10.1 [2] 11,110 12,110 12,594 13,300 14,111 15,099 16,201 17,351 18,583 19,884 9.8 [3] 15,713 17,127 17,812 18,810 19,957 21,354 22,913 24,540 26,282 28,122 9.4 [4] 21,557 23,497 24,437 25,805 27,379 29,296 31,434 33,666 36,056 38,580 9.4 [5] 27,315 29,774 30,965 32,699 34,693 37,122 39,832 42,660 45,689 48,887 10.5 [6] 34,927 38,071 39,594 41,811 44,361 47,467 50,932 54,548 58,421 62,510 10.5 [7] 40,167 43,782 45,533 48,083 51,016 54,587 58,572 62,731 67,184 71,887 9.8 [8] 46,721 50,925 52,962 55,928 59,340 63,494 68,129 72,966 78,146 83,616 10.3 [9] 60,686 66,148 68,793 72,646 77,077 82,473 88,493 94,776 101,505 108,610 11.2 [10] 93,218 101,608 105,672 111,590 118,397 126,685 135,933 145,584 155,920 166,834 Naas Town Council Development Plan 2005-2011
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Naas Town Council Development Plan
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II Chapter Four Infrastructure and
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IV Chapter Seven Land Use Zonings 7
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VI 10.5 Landscaping 188 10.5.1 Soft
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VIII foreword The Naas Town Council
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X Naas Town Council Development Pla
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1 2 Introduction 1.1 Introduction N
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1 4 South Main Street, which contai
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1 6 Naas Town Council Development P
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2 8 Planning Policy Content 2.1 The
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2 10 Table 1: Naas within the Count
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2 12 Figure Three The Preferred Str
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2 14 The 2002 Census of Population
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2 16 Naas Town Council Development
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3 18 Economic Strategy 3.1 Backgrou
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3 20 Table 4 Employment (Permanent
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3 22 • appropriate education infr
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3 24 Figure Four Key Criteria for A
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3 26 EE11 To facilitate the provisi
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4 28 4.1 Part A: Utility Services 4
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4 30 WS 6 To continue to undertake
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4 32 4.1.17 Gas The town is served
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4 34 (3) To encourage Iarnrod Eirea
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4 36 neighbourhoods with a ‘loop
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4 38 4.2.11 Car Parks There are fou
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4 40 M9 To realign that section of
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4 42 4.2.17 Footpaths & Lighting 4.
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5 44 5.1 Background 5.2 Goal Retail
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5 46 5.4 Strategic Policy Framework
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5 48 5.5.2 New District and Neighbo
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53 Naas Town Council Development Pl
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57 Naas Town Council Development Pl
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6 60 Housing Part A: HOUSING 6.1 Ba
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6 62 requirement in this regard rem
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6 64 Strategy 2001-2005 shall provi
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6 66 The Council recognises that hi
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6 68 Naas has experienced unprecede
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6 70 Creating a more inclusive soci
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6 72 The rapid growth of population
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6 74 • at Business Parks and majo
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6 76 recreational and leisure facil
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7 80 Land Use Zonings 7.1 Land Use
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7 82 7.2 Particulars of Zoning Obje
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7 84 The Northwest Quadrant has bee
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7 86 7.3 Explanatory Notes on Speci
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7 88 Zoning Objective G - Urban Vil
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7 90 uses. Any development in this
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7 92 Zoning Objective U - Public Ut
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7 94 Table 11New Residential (Subur
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7 96 Table 13 Neighbourhood Centre
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7 98 Table 16 Zoning Matrix Naas To
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8 Heritage, tourism & environment 8
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7 104 TP 1 The Council will discour
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7 AR14 To preserve significant tree
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7 AR28 To continue landscaping and
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7 112 8.3.5 Zones of Archaeological
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115 Naas Town Council Development P
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8 122 8.5.5 Purpose of Designation
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7 124 Vernacular Architecture (11)
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8 126 Protection of Non-Structural
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8 128 KCC NIAH Building Townland To
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8 136 8.6.2 Goal Including a struct
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8 150 There are however, issues to
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8 152 small single storey houses to
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8 154 Significance In the context o
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8 156 In recent times new housing i
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8 158 • The stretch between Abbey
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8 164 (4) To promote the developmen
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8 166 8.11.8 Policy Statements CA 1
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9 168 Rural Development & Agricultu
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9 170 The bloodstock industry is on
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Page 185 and 186: 10 174 10.1 Context Development Con
Page 187 and 188: 10 176 Table 17 Building Line Requi
Page 189 and 190: 10 178 Table 18 Car Parking Standar
Page 191 and 192: 10 180 In addition to the above, al
Page 193 and 194: 10 182 10.4.3 Internal Design of Dw
Page 195 and 196: 10 184 Table 21 Indicative Resident
Page 197 and 198: 10 186 The following should be take
Page 199 and 200: 10 188 • It is normal procedure t
Page 201 and 202: 10 190 10.8 Access to Land Naas Tow
Page 203 and 204: 10 192 Shopping centres must includ
Page 205 and 206: 10 194 • The appearance and propo
Page 207 and 208: 10 196 The Council will use its enf
Page 209 and 210: 10 198 10.12.1 Development in Archi
Page 211 and 212: 10 200 It is not the intention of t
Page 213 and 214: 10 202 Such developments should con
Page 215 and 216: app.1 Appendix 1 Native trees & Shr
Page 217 and 218: app.2 206 Naas Integrated Framework
Page 219 and 220: app.4 Appendix 4 Evaluation of Envi
Page 221 and 222: app.4 210 • The strategy minimise
Page 223 and 224: app.4 212 Landscape The Development
Page 225 and 226: app.4 214 town centre and edge of c
Page 227 and 228: 216 The Development Plan’s polici
Page 229 and 230: app.5 218 1.2 Assumptions Throughou
Page 231 and 232: app.5 220 Table 2.2 Estimated Distr
Page 233 and 234: app.5 222 • Forecast house price
Page 235: app.5 224 Table 2.4d County Kildare
Page 239 and 240: app.5 228 Table 2.7 Additional Hous
Page 241 and 242: app.5 230 2007 Number of 2008 Numbe
Page 243 and 244: app.5 232 Year 2009: 1118 household
Page 245 and 246: app.5 234 PART THREE: HOUSING SUPPL
Page 247 and 248: app.5 236 Sanitary services are bei
Page 249 and 250: app.5 238 3.7 Construction Capacity
Page 251 and 252: app.5 240 The total projected provi
Page 253 and 254: app.5 242 4.4 Spatial Distribution
Page 255 and 256: app.5 244 institutional care or who
Page 257: notes 246 Naas Town Council Develop
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Naas Town Council Development Plan 2005 - Kildare.ie

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