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Half rule commercial lease/HP

  • 25-03-2010 10:23am
    #1
    corkthai
    Registered Users, Registered Users 2 Posts: 160 ✭✭


    Any one know if the half rule can apply to a commercial HP. asked the bank but they said no.


Comments

  • #2
    chris85
    Registered Users, Registered Users 2 Posts: 4,502 ✭✭✭chris85


    corkthai wrote: »
    Any one know if the half rule can apply to a commercial HP. asked the bank but they said no.

    Half rule only applies to consumer HP unfortunately


  • #3
    Hagar
    Closed Accounts Posts: 16,793 ✭✭✭✭Hagar


    Did you sign a personal guarantee? That might give you a consumer/commercial loophole?


  • #4
    R.O.R
    Registered Users, Registered Users 2 Posts: 12,699 ✭✭✭✭R.O.R


    Is it a commercial vehicle, or is the HP agreement with a company?

    Can't remember the exact figure, but a company with an annual turnover of less than something like 3 Million is still a consumer in the eyes of the law.

    I'm sure someone will correct me, but that's about the one thing I remember from the Institute of Bankers course I was supposed to do when I worked for a money lender.


  • #5
    corkthai
    Registered Users, Registered Users 2 Posts: 160 ✭✭corkthai


    its a commercial vehicle. I was a sole trader.
    thks


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