AIB Mortgage increase
Printed From: You Boys in Green
Category: Other Forums
Forum Name: Whatever!
Forum Description: Anything else going on
URL: https://forum.ybig.ie/forum_posts.asp?TID=16986
Printed Date: 28 Apr 2024 at 5:48am
Software Version: Web Wiz Forums 12.00 - http://www.webwizforums.com
Topic: AIB Mortgage increase
Posted By: The Count
Subject: AIB Mortgage increase
Date Posted: 06 Apr 2010 at 8:58am
increase of .5% this month  , anyone else stung?
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Replies:
Posted By: BigStrongMan
Date Posted: 06 Apr 2010 at 9:02am
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cu nts,im with first active,only a matter of time b4 we are all stung ------------- PM me for all forum moderation queries. |
Posted By: erimus
Date Posted: 06 Apr 2010 at 9:03am
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f**kin disgrace
bail them out and get ass f**ked again
------------- This is our f**king country we're talking about - Keano ROLL ON 2016 |
Posted By: FREEWHEELER
Date 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........ ------------- We'll never die, we'll never die, we'll keep the Green Flag flying high......Shamrock Rovers will never die, we'll keep the Green Flag Flying high. 19 Leagues and 25 Cups..... |
Posted By: The Count
Date Posted: 06 Apr 2010 at 9:10am
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FREEWHEELER wrote:Posted By: Baldrick
Date Posted: 06 Apr 2010 at 9:21am
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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.
------------- AKA pedantic kunt |
Posted By: WindBag
Date 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 |
Posted By: BigStrongMan
Date Posted: 06 Apr 2010 at 9:46am
------------- PM me for all forum moderation queries. |
Posted By: erimus
Date Posted: 06 Apr 2010 at 9:50am
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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? ------------- This is our f**king country we're talking about - Keano ROLL ON 2016 |
Posted By: Baldrick
Date Posted: 06 Apr 2010 at 9:56am
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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. ------------- AKA pedantic kunt |
Posted By: WindBag
Date Posted: 07 Apr 2010 at 7:31am
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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Posted By: IrishPride
Date Posted: 07 Apr 2010 at 7:34am
------------- Galway Will Win The 2014 Hurling Championship |
Posted By: RogerMilla
Date Posted: 07 Apr 2010 at 7:39am
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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. |
Posted By: Gaz
Date Posted: 07 Apr 2010 at 7:52am
------------- I dont email the count anymore, its been 9 months : ( He even sent me a YBIG scarf for my Birthday |
Posted By: The Count
Date Posted: 07 Apr 2010 at 8:00am
AIB Scum 
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Posted By: Baldrick
Date Posted: 07 Apr 2010 at 8:35am
No, just common sense :) ------------- AKA pedantic kunt |
Posted By: Chopper 76
Date Posted: 07 Apr 2010 at 8:40am
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Posted By: Baldrick
Date Posted: 07 Apr 2010 at 8:47am
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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.
------------- AKA pedantic kunt |
Posted By: RogerMilla
Date Posted: 07 Apr 2010 at 9:08am
Che guevara too far to the right for you neil  ------------- The first time the Devil made me do it. The second time I did it on my own. |
Posted By: Chopper 76
Date Posted: 07 Apr 2010 at 9:14am
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Posted By: Stoked Up
Date Posted: 07 Apr 2010 at 9:17am
| Not bothering me. Feckers at Permo TSB had already done it. |
Posted By: Baldrick
Date Posted: 07 Apr 2010 at 9:42am
Its called knowledge, you should try it out sometime :) ------------- AKA pedantic kunt |
Posted By: Baldrick
Date Posted: 07 Apr 2010 at 9:45am
Must watch CHE Part 1 I hear its pretty good. I would class myself as left of centre probably. Dont believe in communism or socialism, but social democracy. Anyway this thread is about the poor people who are stuck with big fck off mortgages. Would not like to be in their shoes at the moment. Luckily I could not afford to buy a house and did not buy one as a result but that does not mean I cant see past my own nose. ------------- AKA pedantic kunt |
Posted By: Chopper 76
Date Posted: 07 Apr 2010 at 9:56am
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Posted By: Saint Tom
Date Posted: 07 Apr 2010 at 2:55pm
also, rate are only going up for variable customers whose rates are not ecb linked. trackers are directly linked to ecb, not variable and fixed rates ------------- My destination inchicore my next stop being kilmainham Where patriots and super saints are the topics of conversation |
Posted By: Stoked Up
Date Posted: 08 Apr 2010 at 7:05am
Nothing wrong with it all, 'cept it cost me before the bailed out banks caught everyone else. Incidently, is there anything to stop anyone taking out a mortgage with an EU bank (say in Germany) that charges the standard rate above the ECB? |
Posted By: RogerMilla
Date Posted: 08 Apr 2010 at 7:24am
some families really bought into the dream alright , feckin huge mortgage 2 cars etc. they are the victims of this whole boom and will pay through the hole for it ------------- The first time the Devil made me do it. The second time I did it on my own. |
Posted By: Citizen
Date Posted: 08 Apr 2010 at 7:51am
, Gillian bowler is a sl*g------------- My Views are my own and do not in any way represent this site. 'The FAI are the dysfunctional body that other dysfunctional bodies call Galacticos' - Declan Lynch (Sunday Indo) |
Posted By: RogerMilla
Date Posted: 08 Apr 2010 at 9:02am
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the height of the celtic tiger madness , bring in a glorified receptionist/trolly dolly to run a bank ------------- The first time the Devil made me do it. The second time I did it on my own. |
Posted By: FREEWHEELER
Date Posted: 08 Apr 2010 at 9:56am
, there's your answer lads, birds fooked up the boom...........down with birds.  ------------- We'll never die, we'll never die, we'll keep the Green Flag flying high......Shamrock Rovers will never die, we'll keep the Green Flag Flying high. 19 Leagues and 25 Cups..... |
Posted By: Sligo Hornet
Date Posted: 08 Apr 2010 at 10:21am
Indeed!
One of life's great mysteries: How is it that a woman can fit a seven inch vibrator into her half inch fanny, IN THE DARK........ but she's unable to fit an eight foot car into a fifteen foot parking space IN BROAD FU**ING DAYLIGHT?
------------- Wallet ?? What the fcuk is that ? |
Posted By: FREEWHEELER
Date Posted: 08 Apr 2010 at 10:25am
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, classic HOrnet. ------------- We'll never die, we'll never die, we'll keep the Green Flag flying high......Shamrock Rovers will never die, we'll keep the Green Flag Flying high. 19 Leagues and 25 Cups..... |
Posted By: Gaz
Date Posted: 08 Apr 2010 at 10:28am
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Hornet that's the funniest post I've ever read on this forum! Tea everywhere! ------------- I dont email the count anymore, its been 9 months : ( He even sent me a YBIG scarf for my Birthday |
Posted By: Baldrick
Date Posted: 08 Apr 2010 at 11:51am
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He is back in form. Thought you had gone off the boil of Late Hornet, but thats a classic.
------------- AKA pedantic kunt |
Posted By: AidoM
Date Posted: 08 Apr 2010 at 12:24pm
It's his best shingle one ..................... gets coat 
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Posted By: Saint Tom
Date Posted: 08 Apr 2010 at 1:43pm
there is no "standard" rate over ecb. tracker loans track the ecb rate at a margin agreed when the loan is drawn. some lucky lucky people as low as .7% over ecb - ecb is 1% so 1.7% at present.
a variable rate depends solely on the banks cost of borrowing which are a function of expected rates in the future, the creditworthiness of the bank and the current base rate with an inbuilt profitability margin.
there is nothing stopping any eu bank offering mortgages here, generally they wont offer them due to differing laws in different countries egarding respossesions etc
------------- My destination inchicore my next stop being kilmainham Where patriots and super saints are the topics of conversation |
Posted By: Citizen
Date Posted: 08 Apr 2010 at 2:13pm
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gillian bowler is still a whore though
------------- My Views are my own and do not in any way represent this site. 'The FAI are the dysfunctional body that other dysfunctional bodies call Galacticos' - Declan Lynch (Sunday Indo) |
Posted By: Saint Tom
Date Posted: 08 Apr 2010 at 2:18pm
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dont have an opinion either way citz, she should have walked after the anglo affair in my view though. ------------- My destination inchicore my next stop being kilmainham Where patriots and super saints are the topics of conversation |
Posted By: Citizen
Date Posted: 08 Apr 2010 at 2:21pm
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only messing with ya tom
------------- My Views are my own and do not in any way represent this site. 'The FAI are the dysfunctional body that other dysfunctional bodies call Galacticos' - Declan Lynch (Sunday Indo) |
Posted By: Baldrick
Date Posted: 08 Apr 2010 at 2:25pm
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Did she knock you back in Coppers on Sunday Citizen :)
------------- AKA pedantic kunt |
Posted By: The Count
Date Posted: 09 Apr 2010 at 3:04am
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BOI increasing theirs from this morning.
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