First, the loan application conditions
When applying, the bank usually examines the economic ability of the applicant through the following aspects:
1. Applicant's deposit: Opening a time deposit account can not only help you save money quickly and effectively, but also prove to the bank that you have a stable income.
2. The applicant's asset management ability: manage your income reasonably and effectively, and try to overdraw the credit line as little as possible or not in advance, which is a way to maintain a good credit record, whether at home or in Ireland.
3. Other loans of the applicant: Whether there are credit bills or other personal loans, before applying for a loan to buy a house, pay off these bills as much as possible to show the bank that you don't have much repayment pressure. If there are too many extra loans, it will affect the amount of housing loans.
4. Other expenses: When applying for a loan, it is necessary to show the bank that the income after the loan can cover other expenses other than the applicant's daily life, such as stamp duty, lawyer's fees, extra expenses that may be incurred in buying a house, etc.
Second, what documents need to be prepared for the first loan to buy a house
Work certificate, income certificate, if you have already had a loan, you need to provide the corresponding repayment certificate, living expenses and all other proof materials that can prove the applicant's repayment ability.
Third, the loan term.
For first-time buyers, the longest loan period is 35 years. Whether buying a house for the first time or not, the loan term shall not exceed 70 years of age of the lender.
Four. Loan amount estimation
The online loan calculator can help you calculate the loan amount you can apply for according to your deposit, monthly payment and other data. Calculations can be made according to the following calculators provided by the Bank of Ireland.
Five, the down payment problem when buying a house for the first time
This is probably the issue that everyone is most concerned about. Solved the down payment, I believe many people can move in smoothly.
According to the new regulations issued by the central bank, when buying a house for the first time, the proportion of loans with a house price of less than 220 thousand euros is 90%, and the proportion of loans with a house price of more than 220 thousand euros is 80%. In other words, if you save enough 20% down payment, there is basically no big problem in buying a house with a loan.
Other expenses that need to be considered besides intransitive verb loans.
Valuation: Before determining the loan, you need to find a professional appraiser to evaluate the property. The cost is about 150 -200 euros, excluding tax.
Lawyer's fee: A loan to buy a house in Ireland will involve a third-party lawyer, and then there will be a lawyer's fee or commission. The money may be a fixed fee or a part of the house price.
Stamp Duty: The current stamp duty rate is: 1 part within ten thousand euros 1%, and part exceeding 1 ten thousand euros is 2%.
Insurance: including life insurance and property insurance, it must also be excluded from loans.
If you have the above application conditions, have the financial ability to repay the loan, and can take care of yourself (materially) after the loan, don't rent any more. Dublin's housing price is too expensive (please refer to the analysis of Dublin's housing price on June 9), so hurry to find a favorite property in Dublin ~
Supplement: Applying for mortgage requires a stemp4 or higher visa and a work contract with sufficient repayment ability.
Chapter II Reasons why Ireland is popular with immigrants
Ireland can be loved by many people in Britain and Northern Ireland, mainly due to the CTA (Common Tourist Area Agreement) signed by Britain and Ireland. According to the CTA agreement, Irish citizens are still free to settle and live in Britain after Britain leaves the EU, and are not affected by Britain's exit from the EU.
1, medical and social welfare advantages
Ireland's social welfare expenditure accounts for about 1/4 of the government's fiscal expenditure, and its welfare is among the highest in the world. After investing in Ireland, you can enjoy free public education, public basic medical care, family childcare and other benefits. After obtaining Irish citizenship, you can freely settle and live in 32 European countries (including the European Union, Britain, Switzerland, etc.). ), and can be exempted from signing in 184 countries and regions in the world.
2. Educational advantages
Relevant data show that Ireland's education system ranks seventh in the world; The proportion of citizens receiving higher education ranks in Europe1; Colleges and universities rank among the top 5% in the world as a whole, and their education level is world-class. Engineering and medical schools have been world-renowned for many years, and electronic communication, computer and other majors are also in the forefront of the world. Ireland is even called "Silicon Valley of Europe". Ireland is one of the six English-speaking countries in the world, and the other five are Britain, the United States, Australia, Canada and New Zealand. Not only is music and dance world-famous, but countless literary masters have been born, and the drama art and folklore here are even more famous.
3. Advantages in taxation.
Ireland's corporate tax rate is only 12.5%, which is one of the lowest in Europe. Irish tax residents will not be taxed if their overseas income is not remitted to Ireland. For investors who are interested in expanding overseas business, the low tax rate policy is undoubtedly an ideal choice. China and Ireland signed an agreement to avoid double taxation, which is of great benefit to China's immigration to Ireland.
4. Advantages in food and sports.
Food lovers must not miss Irish seafood, traditional breakfast, fish and chips, Guinness stout and Irish coffee. The distinctive Irish coffee is full of mystery. Adding mellow Irish whiskey to traditional coffee creates a unique rich sweetness. In addition, Ireland has more than 400 golf courses, which is the country with the largest number of golf courses per capita in the world. There are many golf courses that fascinate golf lovers all over the world, and there are also the top three golf courses in the world.
5. The headquarters of world-famous enterprises gather.
Children will have greater opportunities to work in IBM, Google, Facebook, Apple and Huawei in the future. Almost all large technology companies and pharmaceutical companies have their European headquarters here, where the tax revenue is the lowest in Europe and the environment is beautiful and pleasant. It is the most suitable country for the development of investment enterprises. According to the research of the European Commission, Ireland has a graduate employment rate. Ireland's employment salary is also very rich. The data shows that the average annual salary of graduates from Trinity University and Dublin University in Ireland is as high as 400,000-760,000 RMB.
Article 3 The characteristics that Irish immigrants need to know
1. Irish people have the following characteristics in basic etiquette.
Although the Irish are greatly influenced by Britain, they don't pay attention to ostentation and extravagance, identity and etiquette in life like the British. Generally speaking, they are more cheerful and casual, and pay attention to benefits: they pay great attention to etiquette when interacting with people. Their words and expressions pay special attention to politeness; In social situations, they have many polite expressions, such as "please", "thank you" and "please forgive". They also respect women, and "ladies first" has become a tradition in their lives.
Irish people are forbidden to shake hands or cross talk with several people at the same time. They think these are impolite and impolite manners.
They are afraid to see a magpie. I think whenever I see a magpie, something bad will happen. However, if you see two magpies at the same time, it is a good sign that something happy will happen to you;
They don't want others to ask about their whereabouts, salary, age and marital status. They think that these belong to their private lives and don't need others to intervene and ask questions.
They generally pay great attention to efficiency. Habitual work is work, and rest is something that you don't want to work. Therefore, they don't like to discuss business during breaks or meals.
2. Irish people's eating habits have the following characteristics.
(1) pay attention to the nutrition of dishes, pay attention to the quality and quantity of dishes;
2 tastes generally don't like to be too salty, but love to be slightly sweet;
3 Staple food Staple food is mainly noodles, and also likes to eat steamed dumplings, jiaozi and snacks;
Non-staple food such as beef, mutton, pork, fish, chicken, duck, game, eggs, etc. Vegetables such as tomatoes, cucumbers, sweet peppers, eggplants, cabbages and potatoes. Seasonings like tomato soy sauce, pepper, curry powder, monosodium glutamate and salt;
⑤ Cooking methods prefer dishes made by roasting, roasting, frying and frying;
6 Chinese food loves Jiangsu cuisine and Cantonese cuisine in China;
⑦ Enjoy assorted dishes such as assorted platter, omelet, chicken with lettuce, stewed lion's head, stewed melon with rice, fried beef with onion, roasted shredded chicken, roast duck, crispy chicken, fried shrimp, fried pheasant slices, roast suckling pig, etc.
Shuijiu likes to drink beer, wine, champagne, brandy and so on. They also like to drink coffee, milk, cocoa and so on. Especially mineral water (according to the data, each person drinks 200 liters a year), and they also like to drink black tea; I also like jelly and ice cream.
Pet-name ruby apples, grapes, bananas, oranges and other fruits. Dried fruits like raisins and almonds.