I havent had to apply for a loan for years, and I think things are now probably much different than they were 6/8 years ago.
I'm loking to borrow about 12,500 over 5 years. I have no debts other than my mortgage, and am saving on average €800 per month for the past 6 months (€400 by direct debt, the other 400 when I have it to spare). I dont have a credit union account. My credit rating is 100%.
What are the chances of me getting a loan? Are the banks giving anything these days? I hear BOI advertising that they have money to loan. Am I better to apply in a branch so that I can do it face to face?
Edit: Full time, secure job.
I'm loking to borrow about 12,500 over 5 years. I have no debts other than my mortgage, and am saving on average €800 per month for the past 6 months (€400 by direct debt, the other 400 when I have it to spare). I dont have a credit union account. My credit rating is 100%.
What are the chances of me getting a loan? Are the banks giving anything these days? I hear BOI advertising that they have money to loan. Am I better to apply in a branch so that I can do it face to face?
Edit: Full time, secure job.