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Stay positive, you will eventually have the debt paid off.
I would be surprised if any CU allowed you to borrow €12K on the back of €200 in shares/deposits. The rules of most would not allow this.Im not sure what the rates are on the loans, ill check later on and get back to you. I dont have many shares in the credit union at all, maybe 200, so i cant really pay off the loan with that ha ha.
Depends on the nature (e.g. fixed or variable) and terms & conditions that apply to these loans. Impossible to say without more details.With a loan from AIB or BOI if I pay these off early will i get penilised ?
You need to budget properly for all expenditure so that stuff like this doen't come as a surprised and throw you off track.Im trying, 560 would be managable but its all those things that i dont plan for like car insurance that would end up crippling me for a few months.
Do you mean that the rules still exist but are ignored?The implementation of the rules re ratio shares/loans in CU's is well gone.
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