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Im New HI!!! Top up loan question

  • 11-02-2009 11:36am
    #1
    islandswan
    Closed Accounts Posts: 2 ✭


    Hi there im new and am not sure if this is in the right place but anyway!!! Im a business owner of approx 2 and a half years, i got a business loan 2 years ago over 5 years, so i have 3 years left on this, I have benn doing my books and vat returns etc myself as im only small and didnt wana pay an accountant, So i rang my bank and was wondering could i get a top up on my loan of €6k the girl iusually dealt with is of ill so i have to deal with a different man i dont know.
    I asked could i extend the period of the loan to an extra year as iv already paid of two years or could i just increase it and pay abit extra every month, he asked me to come in and bring a set of accounts, i told him i didnt have them as i do my own books but was looking at getting an accountant now, so he said do you have exspences or somthing like this and i said Yes thinking this is a sheet of paper i did up myself wuth all my weekly exspences and what it costs me to Live, is this wrong or what do i need?
    I Have always paid my loan perfectly for the past two years with them, I dont have any savings in the account but im just wondering what your opinions are? hat do i need to bring with me 2moro and can they increase my loan term by an extra year so i wont have to pay much extra every month, Look forward to your replys thanks so much x


Comments

  • #2
    Biggins
    Banned (with Prison Access) Posts: 34,567 ✭✭✭✭Biggins


    There must be a money section around here somewhere!


  • #3
    OldGoat
    Registered Users, Registered Users 2 Posts: 12,639 ✭✭✭✭OldGoat


    Moved before I got to reply properly.
    DOH.

    I'm older than Minecraft goats.



  • #4
    javaboy
    Registered Users, Registered Users 2 Posts: 15,094 ✭✭✭✭javaboy


    Moved from After Hours. Hope this is the appropriate forum.


  • #5
    Professey Chin
    Registered Users, Registered Users 2 Posts: 51,054 ✭✭✭✭Professey Chin


    Biggins wrote: »
    There must be a money section around here somewhere!
    Nope. Government took it


  • #6
    TheCostumeShop.ie: Ronan
    Company Representative Posts: 1,740 ✭✭✭TheCostumeShop.ie: Ronan


    Thats fine your a small business and thats really all you need income and expenses. Don't be scared of banks there just there to do a job. Assuming your getting a loan for a sound reason and not because your business model no longer works in this climate you'll be fine.


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