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Liklihood of getting the loan?

  • 28-06-2010 9:54am
    #1
    Cook!eMonster
    Closed Accounts Posts: 331 ✭✭


    I've applied for A €2000 loan with AIB bank. I do not have an account there, but am planning on opening one today. I have applied for the loan over five years. I have no previous credit ratings but have a steady income of €400 euro a month, so I can easily afford the payments on the loan. Are there any experts out there who can tell me what the liklihood of me getting the loan are? Thanks :)


Comments

  • #2
    talkin
    Registered Users, Registered Users 2 Posts: 534 ✭✭✭talkin


    im not an expert but i think it'll depend on how long you have had your job. like i dont think you'l get the loan if you just started your current job recently. banks are not giving out loans as easily as they used to.


  • #3
    Cook!eMonster
    Closed Accounts Posts: 331 ✭✭Cook!eMonster


    Well, I've been there seven months, and I also have a house which is empty at the moment but will be getting rented out in the next month or so!


  • #4
    talkin
    Registered Users, Registered Users 2 Posts: 534 ✭✭✭talkin


    income of 400 hundred a month??


  • #5
    Cook!eMonster
    Closed Accounts Posts: 331 ✭✭Cook!eMonster


    between 360-400 yes


  • #6
    MagicMarker
    Banned (with Prison Access) Posts: 32,865 ✭✭✭✭MagicMarker


    Is that a total income or just disposable income?

    It's a not a big loan but if that's your total income they may factor in general living expenses themselves, and obviously €400 is not a lot to cover everything!


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  • #7
    talkin
    Registered Users, Registered Users 2 Posts: 534 ✭✭✭talkin


    id doubt it very much that you'd get a loan earning 400 hundred a month. four hundred a week maybe you might get it but four hundred a month is very low income


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