You have to do what you have to do. As goes repayment capacity they might take the view that you wouldn't be able to fix the car while making those savings so they may adjust accordingly.
Could you pay with your credit card and then the mechanic's name would appear on statements? This bill could be then paid from your savings and explained as you provide whatever account records your bank asks for.
I had this issue when I was going for a mortgage, and as I remember it, the position is as follows:
- If over a six month period you save €1,000 a month and withdraw €1,000 to (say) fix your car, your savings are deemed to be €833 a month (i.e. €5,000/6).
- What I did (once) for cashflow reasons was withdraw some cash to cover an emergency, but then I replaced it. So in the above example, either take out €1,000 and either put €2,000 in the next month or feed an extra €200 a month over subsequent months.
Banks just look at the total period. In my view stuff like this is an advert for using a broker, and you can bounce queries off him/her.
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