HI GUYS, FIRSTLY I ACTUALLY FIND THIS SITE FANTASTIC AND INFORMATIVE, SO WELL DONE TO ALL OF U THAT MAKE IT THIS WAY!!!!
MY QUERY IS THIS I HAVE 2 LOANS ( ONE WITH BOI FOR APPROX €9000..APR 8.2%...COSTING €249PM, ) AND ONE WITH MY CREDIT UNION FOR AROUND €12, OOO COSTING €300PM..APR IS 9.5%..TOTAL COST €549!!!!...I EARN ROUGHLY €2200PM AND MY OUTGOINGS ( OUTSIDE OF MY LOANS COME TO AROUND €1000,( NOT INCLUDING SOCIALISING!!)
iVE ALSO GOT €3000 TIED UP IN SAVINGS WITH THE CU...I GOT AN INTEREST REBATE FROM THEM OF ROUGHLY 20% ON WHAT I PAID IN INTEREST LAST YEAR ( AROUND €400) .IVE SEEN UB ARE OFFERING A FIXED RATE PL AT 5.8% PROVIDING YOU TAKE OUT A NEW CURRENT ACCOUNT WITH CALLED " NEW FIRST" I THINK????..WITH THIS YOU HAVE TO HAVE YOUR SALARY PAID IN AND FOR THIS THERE IS AN ADDITIONAL €9PM ON YOUR ACCOUNT AS A CHARGE FOR "SERVICES ???? " WHICH IM LED TO BELIEVE WOULD GIVE YOU SUCH THING AS MOBILE PHONE COVER, AND DISCOUNTS ON HOLIDAYS, AND HOTEL STAYS...OVER ALL ON THE AMOUNT I HAVE BORROWED ( €18000...IT WOULD COST ME ACCORDING TO THEM €354PM AS OPPOSED TO THE €549IM CURRENTLY PAYING...IS IT OBVIOUS I SHOULD SWITCH????...OR IS THERE A STING IN THE TAIL WHICH MY UNTRAINED EYE WOULDNT SEE????
MY QUERY IS THIS I HAVE 2 LOANS ( ONE WITH BOI FOR APPROX €9000..APR 8.2%...COSTING €249PM, ) AND ONE WITH MY CREDIT UNION FOR AROUND €12, OOO COSTING €300PM..APR IS 9.5%..TOTAL COST €549!!!!...I EARN ROUGHLY €2200PM AND MY OUTGOINGS ( OUTSIDE OF MY LOANS COME TO AROUND €1000,( NOT INCLUDING SOCIALISING!!)
iVE ALSO GOT €3000 TIED UP IN SAVINGS WITH THE CU...I GOT AN INTEREST REBATE FROM THEM OF ROUGHLY 20% ON WHAT I PAID IN INTEREST LAST YEAR ( AROUND €400) .IVE SEEN UB ARE OFFERING A FIXED RATE PL AT 5.8% PROVIDING YOU TAKE OUT A NEW CURRENT ACCOUNT WITH CALLED " NEW FIRST" I THINK????..WITH THIS YOU HAVE TO HAVE YOUR SALARY PAID IN AND FOR THIS THERE IS AN ADDITIONAL €9PM ON YOUR ACCOUNT AS A CHARGE FOR "SERVICES ???? " WHICH IM LED TO BELIEVE WOULD GIVE YOU SUCH THING AS MOBILE PHONE COVER, AND DISCOUNTS ON HOLIDAYS, AND HOTEL STAYS...OVER ALL ON THE AMOUNT I HAVE BORROWED ( €18000...IT WOULD COST ME ACCORDING TO THEM €354PM AS OPPOSED TO THE €549IM CURRENTLY PAYING...IS IT OBVIOUS I SHOULD SWITCH????...OR IS THERE A STING IN THE TAIL WHICH MY UNTRAINED EYE WOULDNT SEE????