need a loan

[john m]

Our kid just got mortgage approval .Bank told her they are ceasing to offer mortgages ,car loand even term loans due to possible Brexit crap .Banker says international money markets are not willing to loan big money to Irish or other EU banks as they fear for the value of the euro post Brexit and if Donny T puts tarriffs on EU goods due to EU state air for Airbus Planes .Might be worth looking for credit now if your planning on borrowing for anything .

[Shallowhal]

Might be worth looking for credit now if your planning on borrowing for anything .

Laffin!!

[john m]

I found it hard to get car credit .one crowd looking for 16% .Lads could find themselves in a bad situation if they cant finance their business .

[Tony]

I found it hard to get car credit .one crowd looking for 16% .Lads could find themselves in a bad situation if they cant finance their business .

Id no problem getting credit, i just
asked me bank a lend of 20k and they gave me the ok after a hour, nobody was more surprised than me about it.

[john m]

TSB have made mortgage offers and then withdrawn them last minute our kid lost one house because of them had to go elsewhere .The smell of 2007 is all over the place ,budget offering nobody nothing .

[mercenary for hire]

Honestly that sounds unbelievable John.If you have good credit you'll get a loan.The banks are moaning about the earning multiples every few weeks.They want to be able to lend more not less.Property market in Dublin is stalling.

[john m]

I own a house but am self employed you wouldnt believe the crap they asked could I get a guarantore They want your wages going in so they can charge you every time you withdraw money .KBC are offering 2000 if you have a mortgage and change your bank account and lodge your wages with them but read the small print they have a huge cash withdrawl fee .TSB are offering 2% refund on mortgage but read the small print you are tied in and if you move your mortgage you have to reemburse them.Banks dont want to loan money they want to charge you for minding your money .

[mercenary for hire]

They make more than enough with the interest on the loan.The cashback offers are just sweeteners.If your kid borrows 250k she pays back 400/450 over 30 years.

[Shallowhal]

As a Permanent TSB customer,i have to maintain a €2500 daily balance to avoid quarterly fees,BoI is €3000 but there's still some charges involved(maintenance fee)....there doesn't seem to be any benefit as a BoI mortgage customer.

[dalymount]

If your over a certain age then no fees apply

[Shallowhal]

If your over a certain age then no fees apply

Most of us fuks haven't reached that threshold yet!!

[watty]

This week, my credit union asked me for my email address for marketing & shit.  Said their 'temporary' special rate car loans etc was going all year now.  They've posters up saying they'll do a loan for kitchen revamps and extensions.  You'd probably be talking 15k for a new kitchen and, what, 50k for a cheap extension?  So my credit union wants to give out loans anyways.

[john m]

This week, my credit union asked me for my email address for marketing & shit.  Said their 'temporary' special rate car loans etc was going all year now.  They've posters up saying they'll do a loan for kitchen revamps and extensions.  You'd probably be talking 15k for a new kitchen and, what, 50k for a cheap extension?  So my credit union wants to give out loans anyways.

Credit unions are begging you to take a loan .If they lodge your savings in the bank they have to pay the bank to hold it and their account is only guarenteed for 100,000 if the bank goes under it takes your credit union with it .By lending your savings to other members they reduce the risk of getting wiped out by any bank collapse .

[Shallowhal]

Last time i went to the credit union(i transferred to Drogheda from Finglas many moons ago...bad mistake) they wanted 3yrs accounts...plus my wifes P60....i politely told him to fuk off...they transferred my money from Finglas but none of my loan history since 1982.....was being treated like a new customer with no loan history.....cunts!!

[Rat Catcher]

I've heard of several CUs asking for Income Tax Agreements in support of loan applications by self-employed taxi drivers. In every case they said it's to comply with Central Bank regulations.