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Core Credit Union
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    Number of Applicants*
    What is your date of birth?*
    What is the second applicant's date of birth?
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    Applicant 1 less applicant 2
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    This activates if: 1 applicant The difference of ages of two applicant is a minus integer (meaning applicant 2 is older) The difference in age between two applicants is 0 The value is applicant 1's age who assumes priority on basis of juniority or sole applicant or no difference in age.
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    This activates if: The difference of ages of two applicant is a positive integer (meaning applicant 2 is younger) The field is only activated on two applicants. Their age is used as term length in the following field
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    Set at 35 Years
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    Uses max-borrowing-term class and a retirement age of 70
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    35 years less Max term
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    Shows if max term is less 35 years
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    Shows if max term is 35 years
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    Uses max-borrowing-term class and a retirement age of 66
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    Are you a first time buyer?*
    Are both applicants a first time buyer?*
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    sums questions - 1 means a first time buyer
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    Living Situation*

    We are sorry but we cannot complete a calculation based on your responses.

    Why not get in touch with us to discuss your options?

    Email: info@corecu.ie

    Phone: 01 272 5600

    Are you currently repaying a mortgage?*
    Have you any savings you would like to offer as equity for an application?*

    1. Your Income

    Tell us about your salary and other income.
    Do you receive any additional income(s)?
    Does either applicant receive any additional income(s)?
    Additional Incomes
    Please list additional incomes and the monthly amount received from them here. Use the "+" symbol to add more income types.
    Income Type
    Monthly Amount
     

    2. Commitments

    Tell us a little about your fixed monthly outgoings.
    Monthly Liabilities
    These are fixed payments you make every month such as insurance, PCP, loan repayments etc. but not rent or mortgage repayments. You can add as many as necessary by clicking the "+" icon.
    Expense Type
    Monthly Amount
     
    Do you have any children or dependants?*
    Creche, childminder, etc.
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    Sum of NDI for one applicant and for two applicants
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    NDI RULE LOGiC

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    stop
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    DSR RUle Logic

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    stop
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    Both Rules Satisfied

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    1=yes Anything else is a no
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    Lesser of Rules

    Show lesser of NDI Rule or DSR Rule. If NDI is > DSR then difference is greater than 0 so show DSR If 0 then show DSR (it doesn't matter as they're both the same) If less than zero then DSR
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    Backend Calculation for reverse loan calc

    If both rules satisfied is yes (1) then show the maximum monthly payment for calculation If both rules satisfied is No (0) show the lesser of the rules
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    Echoes lesser of rules from NDI and DSR
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    Will be hidden. Formula is (Home value less mortgage balance) plus any savings offered as equity or deposit for first timers.
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    Max LTI times Total Annual Income
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    LTI - LTV
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    If Test for Lesser of LTI or LTV is minus integer or 0 then LTI is echoed
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    If Test for Lesser of LTI or LTV is positive integer then LTV is echoed
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    Lesser of LTI and LTV
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    PV Calculation using maximum term and maximum monthly repayment (lesser of rules)
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    Maximum Borrowing (LTI versus LTV) less Maximum Borrowing (based on lesser of rules and maximum term)
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    If Difference from test of lesser of Max Borrowings is 0 or less than 0
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    If Difference from test of lesser of Max Borrowings is greater than 0
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    The lesser of LTI and LTV or the lesser of NDI and DSR Rule
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    We are sorry but we cannot complete a calculation based on your responses.

    Why not get in touch with us to discuss your options?

    Email: info@corecu.ie

    Phone: 01 272 5600

    How Much You Could Borrow

    Based on your responses, the maximum borrowing you could afford is € over a term of years.

    Get a call back

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    Name*
    Are you applying to finance:

    Are you a member?*
    Don't worry if you don't have this to hand.

    Address

    Clara House

    37 Glenageary Park,

    Glenageary,

    Co. Dublin

    A96 XE26

    Email: members@corecu.ie

    Phone: 01-2725600

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