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Getting a loan...

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  • 11-09-2010 12:28am
    #1
    jg72
    Registered Users Posts: 24 ✭


    Hi all,
    I'm about to graduate and i have a notion of going on the j1 this summer. My question is could i get a loan from any bank even if i havent saved with them on the basis that im i have a job guarenteed after i get back ? I'm obviously clueless on this so any help would be appreciated!
    Thanks


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


    jg72 wrote: »
    Hi all,
    I'm about to graduate and i have a notion of going on the j1 this summer. My question is could i get a loan from any bank even if i havent saved with them on the basis that im i have a job guarenteed after i get back ? I'm obviously clueless on this so any help would be appreciated!
    Thanks

    ok first am i missing something as this summer is just over so i presume this is for next summer.

    You will find it very hard to get a loan even with a job guarantee. Most people with permanent jobs are finding it hard to get a loan at all.

    You havent even started the job and nothing is guaranteed untill you are in there and permanent and i say that from experience.


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    #3
    amdublin
    Registered Users Posts: 20,653 ✭✭✭✭amdublin


    How are you going to make repayments over the summer??

    Simple answer to your question is No.


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    #4
    Tails142
    Registered Users Posts: 2,117 ✭✭✭Tails142


    Actually you will find that you will pobably get a loan from any of the major banks if you apply. AIB/BOI etc.

    Students are the one group which banks love to loan out money to as its a sure way of getting your business in the future, i.e. current account etc. They will probably offer you a payment freeze until you get back to work/finish your course, during which time interest will be accruing of course.


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    #5
    amdublin
    Registered Users Posts: 20,653 ✭✭✭✭amdublin


    Tails142 wrote: »
    Actually you will find that you will pobably get a loan from any of the major banks if you apply. AIB/BOI etc.

    Students are the one group which banks love to loan out money to as its a sure way of getting your business in the future, i.e. current account etc. They will probably offer you a payment freeze until you get back to work/finish your course, during which time interest will be accruing of course.

    IMO this is not correct.

    Unless you are a student doctor by any chance OP????

    Anyhoo! Best of luck trying. Sure let us know how you get on.


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