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personal loan query

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  • 14-01-2013 9:08pm
    #1
    stonesleep
    Registered Users Posts: 1 ✭


    i have a query regarding a personal loan with ptsb

    i would like to get a loan for 3000 to buy a car.

    i have been in full time employment for the last year and 5 months.

    do they take into account my current money in my account
    or what i do with my money.

    for example if i didnt have very much money left in my account around the middle of the month would this then reflect badly on me.

    i am worried that because i spend my money that it might go badly against me


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    #2
    BuffyBot
    Registered Users Posts: 24,924 ✭✭✭✭BuffyBot


    Account turnover - i.e. what you have in and what's left at the end of the month - is often considered in personal lending. ie. if you have a pattern of lodging 2000 a month, and spend 1950 of it, the bank might wonder how you will fit the repayments it.

    It may not be a deciding factor, but it's one they may look at.


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