D
Diann
Guest
Age: 32
Spouse’s/Partner's age: 34
Annual gross income from employment or profession: 19000
Annual gross income spouse:35000
Type of employment: e.g. Civil Servant, self-employed Civil Servant
Expenditure pattern: In general are you spending more than you earn or are you saving? yes[/font]
Rough estimate of value of home 340,000
Mortgage on home 275,000
Mortgage provider: iib
Type of mortgage: fixed rate
Interest rate 5.1%, 1350 monthly
Other borrowings – car loans/personal loans etc
Car loan 335 monthly, 3 years left
Personal Loan 110
Personal Loan 100
Credit Card Self 3500
Credit Card Spouse 11,500
Do you pay off your full credit card balance each month? n
If not, what is the balance on your credit card? As above
Savings and investments: none
Do you have a pension scheme? Public service pension
Do you own any investment or other property? no
Ages of children: 4, 4, 1
Life insurance: Irish life, 50 monthly
What specific question do you have or what issues are of concern to you? [/font]
We seem to be living week to week and I want to give up work to stay at home. All loans get paid but credit card gets ignored which would be a black spot on our credit rating. Just some advice on consolidating our loans.
Spouse’s/Partner's age: 34
Annual gross income from employment or profession: 19000
Annual gross income spouse:35000
Type of employment: e.g. Civil Servant, self-employed Civil Servant
Expenditure pattern: In general are you spending more than you earn or are you saving? yes[/font]
Rough estimate of value of home 340,000
Mortgage on home 275,000
Mortgage provider: iib
Type of mortgage: fixed rate
Interest rate 5.1%, 1350 monthly
Other borrowings – car loans/personal loans etc
Car loan 335 monthly, 3 years left
Personal Loan 110
Personal Loan 100
Credit Card Self 3500
Credit Card Spouse 11,500
Do you pay off your full credit card balance each month? n
If not, what is the balance on your credit card? As above
Savings and investments: none
Do you have a pension scheme? Public service pension
Do you own any investment or other property? no
Ages of children: 4, 4, 1
Life insurance: Irish life, 50 monthly
What specific question do you have or what issues are of concern to you? [/font]
We seem to be living week to week and I want to give up work to stay at home. All loans get paid but credit card gets ignored which would be a black spot on our credit rating. Just some advice on consolidating our loans.