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AIB Mortgage increase

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Paul McGrath
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    Posted: 06 Apr 2010 at 8:58am
increase of .5% this month Cry, anyone else stung?
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Robbie Keane
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Post Options Post Options   Thanks (0) Thanks(0)   Quote BigStrongMan Quote  Post ReplyReply Direct Link To This Post Posted: 06 Apr 2010 at 9:02am
cu nts,im with first active,only a matter of time b4 we are all stung
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Post Options Post Options   Thanks (0) Thanks(0)   Quote erimus Quote  Post ReplyReply Direct Link To This Post Posted: 06 Apr 2010 at 9:03am
f**kin disgrace
 
bail them out and get ass f**ked again
 
 
This is our f**king country we're talking about - Keano

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Post Options Post Options   Thanks (0) Thanks(0)   Quote FREEWHEELER Quote  Post ReplyReply Direct Link To This Post Posted: 06 Apr 2010 at 9:04am
Not with AIB.........but yeah only a matter of time before the others follow like sheep.  Ironic that this thread is currently just above the "Help the Count on Good Friday" wan......you're worse than a Roma Gypo at this stage Count........LOL
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Paul McGrath
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Post Options Post Options   Thanks (0) Thanks(0)   Quote The Count Quote  Post ReplyReply Direct Link To This Post Posted: 06 Apr 2010 at 9:10am
Originally posted by FREEWHEELER FREEWHEELER wrote:

Not with AIB.........but yeah only a matter of time before the others follow like sheep.  Ironic that this thread is currently just above the "Help the Count on Good Friday" wan......you're worse than a Roma Gypo at this stage Count........LOL


Cry


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Post Options Post Options   Thanks (0) Thanks(0)   Quote Baldrick Quote  Post ReplyReply Direct Link To This Post Posted: 06 Apr 2010 at 9:21am
Ironically if they do not increase the interest rates which are at a record low remember they would have to be bailed out even more.  The banks need to return to a situation where they can make money from loans and mortgages compared to what they are giving out on deposits.  
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Post Options Post Options   Thanks (0) Thanks(0)   Quote WindBag Quote  Post ReplyReply Direct Link To This Post Posted: 06 Apr 2010 at 9:43am
Lads, it will go up again this year and then the ECB rate will go up aswell, so potentially it will go up another 0.75 by October !! Fix it while you can
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Post Options Post Options   Thanks (0) Thanks(0)   Quote BigStrongMan Quote  Post ReplyReply Direct Link To This Post Posted: 06 Apr 2010 at 9:46am
Originally posted by WindBag WindBag wrote:

Lads, it will go up again this year and then the ECB rate will go up aswell, so potentially it will go up another 0.75 by October !! Fix it while you can
ecb rate not expected to go up this year
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Post Options Post Options   Thanks (0) Thanks(0)   Quote erimus Quote  Post ReplyReply Direct Link To This Post Posted: 06 Apr 2010 at 9:50am
dont understand all this mortgage malarkey at all but how can they not pass on the decrease by the ecb but they can increase it when they feel like it?
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Baldrick Quote  Post ReplyReply Direct Link To This Post Posted: 06 Apr 2010 at 9:56am
Basically they are nearly giving better interest on deposits than they are on lending money at this stage so they need to get back to sensible rates so they can make profits like any business. They had abandoned all the good principles of banking in a race to the bottom to see who can have the lowest interest rates. This was good for customers in the short term but we are seeing the result of it in the long term. 

During the 70s interest rates were at 13 per cent and above.  These are record lows we are living through now and remember the ECD purely only looks at inflation of the European economy and nothing else when it decides on its interest rates.  The difference between the ECB rate at the banks rate is effectively their profit after other costs etc. 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote WindBag Quote  Post ReplyReply Direct Link To This Post Posted: 07 Apr 2010 at 7:31am
Originally posted by BigStrongMan BigStrongMan wrote:

Originally posted by WindBag WindBag wrote:

Lads, it will go up again this year and then the ECB rate will go up aswell, so potentially it will go up another 0.75 by October !! Fix it while you can
ecb rate not expected to go up this year
 
Thats why were in this recession, everyone expected certain things to happen, that didn't.
 
I'll put it simply, this time next year, you will DEFINITELY be paying a couple of hundred euro more on your Mortgage.
 
Do you disagree with that BSM ?
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Post Options Post Options   Thanks (0) Thanks(0)   Quote IrishPride Quote  Post ReplyReply Direct Link To This Post Posted: 07 Apr 2010 at 7:34am
Originally posted by NeilMcD NeilMcD wrote:

Basically they are nearly giving better interest on deposits than they are on lending money at this stage so they need to get back to sensible rates so they can make profits like any business. They had abandoned all the good principles of banking in a race to the bottom to see who can have the lowest interest rates. This was good for customers in the short term but we are seeing the result of it in the long term. 

During the 70s interest rates were at 13 per cent and above.  These are record lows we are living through now and remember the ECD purely only looks at inflation of the European economy and nothing else when it decides on its interest rates.  The difference between the ECB rate at the banks rate is effectively their profit after other costs etc. 
NeilMcd Do you study economics?
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Post Options Post Options   Thanks (0) Thanks(0)   Quote RogerMilla Quote  Post ReplyReply Direct Link To This Post Posted: 07 Apr 2010 at 7:39am
The trouble will come later when all the euro zone economies ( except the PIIGS) will need an interest rate rise to cool them down and the irish with the massive mortgages will get rogered..
The first time the Devil made me do it. The second time I did it on my own.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Gaz Quote  Post ReplyReply Direct Link To This Post Posted: 07 Apr 2010 at 7:52am
Originally posted by IrishPride IrishPride wrote:

Originally posted by NeilMcD NeilMcD wrote:

Basically they are nearly giving better interest on deposits than they are on lending money at this stage so they need to get back to sensible rates so they can make profits like any business. They had abandoned all the good principles of banking in a race to the bottom to see who can have the lowest interest rates. This was good for customers in the short term but we are seeing the result of it in the long term. 

During the 70s interest rates were at 13 per cent and above.  These are record lows we are living through now and remember the ECD purely only looks at inflation of the European economy and nothing else when it decides on its interest rates.  The difference between the ECB rate at the banks rate is effectively their profit after other costs etc. 
NeilMcd Do you study economics?
 
LOL
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Paul McGrath
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Post Options Post Options   Thanks (0) Thanks(0)   Quote The Count Quote  Post ReplyReply Direct Link To This Post Posted: 07 Apr 2010 at 8:00am
AIB Scum Thumbs%20Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Baldrick Quote  Post ReplyReply Direct Link To This Post Posted: 07 Apr 2010 at 8:35am
Originally posted by IrishPride IrishPride wrote:

Originally posted by NeilMcD NeilMcD wrote:

Basically they are nearly giving better interest on deposits than they are on lending money at this stage so they need to get back to sensible rates so they can make profits like any business. They had abandoned all the good principles of banking in a race to the bottom to see who can have the lowest interest rates. This was good for customers in the short term but we are seeing the result of it in the long term. 

During the 70s interest rates were at 13 per cent and above.  These are record lows we are living through now and remember the ECD purely only looks at inflation of the European economy and nothing else when it decides on its interest rates.  The difference between the ECB rate at the banks rate is effectively their profit after other costs etc. 
NeilMcd Do you study economics?



No, just common sense :)
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Chopper 76 Quote  Post ReplyReply Direct Link To This Post Posted: 07 Apr 2010 at 8:40am
Originally posted by NeilMcD NeilMcD wrote:

Originally posted by IrishPride IrishPride wrote:

Originally posted by NeilMcD NeilMcD wrote:

Basically they are nearly giving better interest on deposits than they are on lending money at this stage so they need to get back to sensible rates so they can make profits like any business. They had abandoned all the good principles of banking in a race to the bottom to see who can have the lowest interest rates. This was good for customers in the short term but we are seeing the result of it in the long term. 

During the 70s interest rates were at 13 per cent and above.  These are record lows we are living through now and remember the ECD purely only looks at inflation of the European economy and nothing else when it decides on its interest rates.  The difference between the ECB rate at the banks rate is effectively their profit after other costs etc. 
NeilMcd Do you study economics?



No, just common sense :)
do you want beans with that waffle? your a wannabe george lee FFSLOL
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Robbie Keane
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Baldrick Quote  Post ReplyReply Direct Link To This Post Posted: 07 Apr 2010 at 8:47am
I was bloody joking.   It was Kevin Myers a few weeks ago.  Myers is far too right wing economicaly for me and George Lee would be too far to the right also.  
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