Search results

  1. K

    BFF Paying 4.00% AER on 6 month deposit

    I set-up an account with them before I seen the referals. I see now that they have given me a german bank IBAN but I note the below. Just checking that that would be correct as I see no mention of Germany in their info I just see the below: The Group operates in Italy, Croatia, Czech Republic...
  2. K

    To get Help to Buy, must borrow 80% of purchase price

    Build Cost- 280k Site Value- 70k Mortgage- 260k Savings- 20k Valuation= 350k LTV= 74% Build Cost- 280k Site Value- 45k Mortgage- 260k Savings- 20k Valuation= 325k LTV= 80% How does the fact some auctioneer considers my site to be worth 70k rather than 45k mean I don't have difficulty in...
  3. K

    To get Help to Buy, must borrow 80% of purchase price

    When will the final details be published in the finance bill? I've currently got a loan offer (received prior to July 19th) that was based of a 74% LTV (as you say I was aiming to keep it below the 80% to avail of the cheaper interest rates). As I'm self-building and haven't yet drawndown my...
  4. K

    AIB End Of Day Balance

    Thanks. That's it so if I had it done an hour earlier it would have shown up in same days balance. Your correct their online banking does clearly state Transfers to meet transactions that have been presented to your account on a business day must be made before 19:00 on that day I know their...
  5. K

    AIB End Of Day Balance

    That's my question. If their T&C's don't state anything contrary to this then surely an online transfer from one AIB account to the other at anytime before 11.59pm should have come up on the statement as being on that same business day. I'm building a house at the moment so have loads of...
  6. K

    AIB End Of Day Balance

    In the AIB website it says to avoid banking fees you need to: "Personal current account customers who maintain a minimum daily credit statement balance of €2,500 in the account for each fee quarter can qualify for maintenance and transaction free banking. The statement balance is the end of day...
  7. K

    Site Transfer- Stamp Duty

    There was the risk that planning wouldn't be granted on that site so I didn't want to transfer beforehand in case I'd have to move sites but my planning is now gone for further information so the chances it will be granted are now fairly high. Assuming an auctioneer will value it at its...
  8. K

    Site Transfer- Stamp Duty

    Hi, Just wondering what the current tax situation is with transferring a site from a parent to a child for building their PPR. The site would be less than one acre and worth well under €500k so I take it CGT or CAT isn't an issue but just wondering what stamp duty would be payable. The child...
  9. K

    Do current acc's help mortgage approval?

    Thanks that answers that; she hasn't actually ordered her free one but at least if I do move I can give that to her or someone else.
  10. K

    Do current acc's help mortgage approval?

    I've done my main banking with AIB for years while typically putting large savings into fixed term acc's in banks wherever the best yearly rates are. In the next year or two I will most likely be getting a mortgage so I've decided to put the fixed term savings which mature next month into an...
  11. K

    State Savings (NTMA) bonds and certs looking good

    Manuel, Click on the link in the best buys and a PDF opens up- the actual rates to compare year one and year two are on the second page- missed it when I looked aswell. Edit: I should clarify- the PDF opens up after you clink the second link; i.e the one on this page...
  12. K

    State Savings (NTMA) bonds and certs looking good

    Thanks, Never thought to scroll down to the 2nd page of their PDF brochure- I see the difference in rates their now.
  13. K

    State Savings (NTMA) bonds and certs looking good

    If I plan on only saving for 2 years + 1 day is there any point in going for the 3year one rather than the 5year 6months one so as the interest rate is better on the longer term one?
  14. K

    AIB- Standing Order Mandatory

    Thanks people; that'll do the job.
  15. K

    AIB- Standing Order Mandatory

    Oh ya sorry, thought that €2,500 minimum balance was an additional criteria. Anyway the next charges will be coming out before the 25th so any idea how I could use one debit transaction using AIB Phone & Internet Banking before then to avoid the €20-30 charge?
  16. K

    AIB- Standing Order Mandatory

    Do all AIB's regular savings accounts have lodgements as Standing Order Mandatory. I'm looking for a way to stop getting hit with the bank charges but don't have any thing to qualify for the "At least one debit transaction using AIB Phone & Internet Banking". My phone, rent and esb all are...
  17. K

    Lump sum deposit with PTSB

    Ciaran, You might clear something up for me. I moved most of my money out of Irish guaranteed banks and into UK guaranteed banks last year because of the concern that Ireland may default. After doing so I found out that as Nationwide UK Ireland, Rabo, Investec, Ulster Bank in ROI, etc...
  18. K

    PTSB now paying 4.91% for Term Deposit - New Recent High

    As nobody has corrected me since I better correct my self so others aren't misled; The full interest on €10K before DIRT for the 26months is actually €1000 not the €1064 I had. I was calculating the AER which only applies if you deposit back in the €730 interest you receive after the first...
  19. K

    PTSB now paying 4.91% for Term Deposit - New Recent High

    Am I right in saying that if you deposit €10k now that in a month's time you can take out the full interest of €776.74* *€491 (Year 1) +€491 (Year 2) +€81.83 (final 2 months) - 27% DIRT If DIRT is increased in the next 26months can the full 10k still be withdrawn or will the additional...
  20. K

    UK access bank account

    Thanks for replies. Didn't know about the NUK T&C's, better check that out alright. PTSB are just in Ireland ya? I have a current acc with AIB so I assume I can do international transfers from them ya? After looking into the UK current acc I'd need at bit more I think Llyods looks...
Back
Top