seamuskangarooo
New Member
- Messages
- 5
Personal details
Age: 35
Spouse’s/Partner's age: 34
Number and age of children: 1 x 2 year old
Income and expenditure
Annual gross income from employment or profession: 38,000 + circa €9,000 bonus per year, paid quarterly
Annual gross income of spouse: 40,000
Monthly take-home pay: 2600
Type of employment: e.g. Civil Servant, self-employed: Emplyoed
In general are you:
(a) spending more than you earn, or
(b) saving?
Saving €500 each p/m
Summary of Assets and Liabilities
Family home worth €420k with a €360K mortgage
Cash of €20k
Defined Contribution pension fund: N/A
Company shares : N/A
Family home mortgage information
Lender: BOI
Interest rate: 2.7
If fixed, what is the term remaining of the fixed rate? 4 Years
(No need to tell us the monthly repayments or what term is left)
Other borrowings – car loans/personal loans etc
Do you pay off your full credit card balance each month? No Credit Card
If not, what is the balance on your credit card?
€5,000 Car Loan, €4,000 left to pay
Other savings and investments:
Do you have a pension scheme? No
Do you own any investment or other property? No
Other information which might be relevant
Life insurance: Mortgage protection, no life insurance
Age: 35
Spouse’s/Partner's age: 34
Number and age of children: 1 x 2 year old
Income and expenditure
Annual gross income from employment or profession: 38,000 + circa €9,000 bonus per year, paid quarterly
Annual gross income of spouse: 40,000
Monthly take-home pay: 2600
Type of employment: e.g. Civil Servant, self-employed: Emplyoed
In general are you:
(a) spending more than you earn, or
(b) saving?
Saving €500 each p/m
Summary of Assets and Liabilities
Family home worth €420k with a €360K mortgage
Cash of €20k
Defined Contribution pension fund: N/A
Company shares : N/A
Family home mortgage information
Lender: BOI
Interest rate: 2.7
If fixed, what is the term remaining of the fixed rate? 4 Years
(No need to tell us the monthly repayments or what term is left)
Other borrowings – car loans/personal loans etc
Do you pay off your full credit card balance each month? No Credit Card
If not, what is the balance on your credit card?
€5,000 Car Loan, €4,000 left to pay
Other savings and investments:
Do you have a pension scheme? No
Do you own any investment or other property? No
Other information which might be relevant
Life insurance: Mortgage protection, no life insurance
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