SCHEDULE 8SUMS TO BE DISREGARDED IN THE CALCULATION OF INCOME OTHER THAN EARNINGS

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1

Except where paragraph 31 (or 33) applies, and subject to sub-paragraph (2), any payment made to the claimant which is intended to be used and is used as a contribution towards—

a

any payment due on a loan if secured on the dwelling occupied as the home which does not qualify F3under Schedule 6F3under Part 1 of Schedule 1 to the Loans for Mortgage Interest Regulations;

b

F5any interest payment or charge which qualifies in accordance with paragraphs 16 to 18 of Schedule 6 to the extent that the payment or charge is not met;

F5any charge which qualifies in accordance with paragraph 18 of Schedule 6 (housing costs) to these Regulations or any interest payment on a loan which qualifies under Part 1 of Schedule 1 to the Loans for Mortgage Interest Regulations, to the extent that the charge or payment is not met under these Regulations or by loan payments (as the case may be);

c

any payment due on a loan which qualifies F1under paragraph 16 or 17 of Schedule 6F1under Part 1 of Schedule 1 to the Loans for Mortgage Interest Regulations attributable to the payment of capital;

d

any amount due by way of premiums on—

i

an insurance policy taken out to insure against the risk of being unable to make the payments referred to in (a) to (c) above; or

ii

a policy of insurance taken out to insure against loss or damage to any building or part of a building which is occupied by the claimant as the claimant's home;

e

the claimant's rent in respect of the dwelling occupied by the claimant as the home but only to the extent that it is not met by housing benefit; or the claimant's accommodation charge but only to the extent that the actual charge exceeds the amount payable by a local authority in accordance with Part 3 of the National Assistance Act 1948 F2or Part 1 of the Care Act 2014 (care and support) F6or Part 4 of the Social Services and Well-being (Wales) Act 2014 (meeting needs) other than any direct payment made in accordance with regulations made under section 50 or 52 of that Act.

2

This paragraph does not apply to any payment which is treated as possessed by the claimant by virtue of regulation 107(3)(c).

F43

In this paragraph—

a

“Loans for Mortgage Interest Regulations” means the Loans for Mortgage Interest Regulations 2017;

b

“loan payments” has the meaning given in the Loans for Mortgage Interest Regulations.