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Short term bank loan

  • 17-07-2012 10:39am
    #1
    blue5000
    Moderators, Society & Culture Moderators Posts: 12,756 Mod ✭✭✭✭


    Anyone tried applying for a short term (12 months) loan off the banks lately?
    What interest rates?

    We are with AIB and things seem to be harder to get than other years, any comments?

    If the seat's wet, sit on yer hat, a cool head is better than a wet ar5e.



Comments

  • #2
    Grecco
    Closed Accounts Posts: 1,007 ✭✭✭Grecco


    blue5000 wrote: »
    Anyone tried applying for a short term (12 months) loan off the banks lately?
    What interest rates?

    We are with AIB and things seem to be harder to get than other years, any comments?

    Got one earlier this year no problem,
    7.5% though :mad:


  • #3
    bob charles
    Registered Users, Registered Users 2 Posts: 6,343 ✭✭✭bob charles


    play hard with the feckers, the ball is at your feet, hard nosing and you may get under 5%;)


  • #4
    Manoffeeling
    Closed Accounts Posts: 931 ✭✭✭Manoffeeling


    Aib have money set aside for farming at 4.5%. I am trying to borrow and there is no real hassle. Everyone's situation is different, but maybe the longer term loan maybe of a better service to your needs. My bank manager also told me that targets are gone! The bank will be glad of your custom.


  • #5
    whelan1
    Closed Accounts Posts: 11,786 ✭✭✭✭whelan1


    got a loan off ulster before the "glitch" no probs


  • #6
    5live
    Closed Accounts Posts: 4,438 ✭✭✭5live


    Manoffeeling wrote: »
    Aib have money set aside for farming at 4.5%. I am trying to borrow and there is no real hassle. Everyone's situation is different, but maybe the longer term loan maybe of a better service to your needs. My bank manager also told me that targets are gone! The bank will be glad of your custom.
    +1. AIB have 250 million, iirc, to loan to farmers at 4.5% and the rest of the 'pillar' banks have similar sums. I got a few bob for a spreader a while back and it took about 2 weeks but they already had the accounts and another 2 loans paid off the start of this year so little hassle involved. I got some sort of working capital loan with no fixed repayments (but i gave a timetable for payment) only interest charged to current a/c quarterly. Damned if i can remember what it was called:confused: but most of the AIB lads in the discussion group have this facility now, sort of a soft loan i suppose


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  • #7
    bob charles
    Registered Users, Registered Users 2 Posts: 6,343 ✭✭✭bob charles


    Manoffeeling wrote: »
    Aib have money set aside for farming at 4.5%.

    thats a 11 month figure for interest so not as attractive, just mention this to your rep to get under there nose


  • #8
    Manoffeeling
    Closed Accounts Posts: 931 ✭✭✭Manoffeeling


    bob charles wrote: »
    thats a 11 month figure for interest so not as attractive, just mention this to your rep to get under there nose

    Will do. Sound


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