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Local authority home loan

  • 13-05-2022 8:25pm
    #1
    blondie1985
    Registered Users Posts: 50 ✭✭


    Does anyone know how Fingal asses you for loan ? I have a 5000 balance on my credit card , but wondering should I take a loan out of credit union instead as I was already told they don’t look favourably on credit cards . I wish I could clear it but then that would dip into my savings and I don’t want that .



Comments

  • #2
    L1011
    Registered Users, Registered Users 2 Posts: 69,563 ✭✭✭✭L1011


    It would be advisable to get the credit union loan to clear the credit card anyway, as the CU loan will be vastly cheaper and give you more money for anything/everything else. Credit card debt is the dearest you can possibly have.



  • #3
    1percent
    Registered Users Posts: 124 ✭✭1percent


    Pay it out of savings. 5k earning 0.5% APR vs 5k costing you 20.0% APR. A CU loan will cost you 7/8% APR.

    Remove the debt, and put all the money you save towards your savings.



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