Hi...just wanted to know does the mortage saver account like in BOI helps to make the application stronger? And does this account help by any chance to give an increase to our loan amoun if required ?
Great information. Is there any benifit for those who will buy with full cash pay, i mean without mortgage. Any scheme like "help to buy" or any other?
Bhai, Very well explained, only point wanted to know is for eg. as you said 10% of total amount like if it’s 4cr home then 40lac we have to do the deposit our side right, the then balance amount is 3cr 60lakh and bank will pay us only 3.5 times of salary so how it will workout for a person with an annual salary of 33000. So 33000*3.5=115500 only, could you plz guide how the balance amount is covered bcz in this case balance amount is still huge.
Yes that correct, nowdays you can get 4 times of annual income, in exceptional cases it can stretch up to 4.5 times. Nowdays you need a bigger deposit because the property is way too high at the moment specially in Dublin.
@@IndianPaddy and is it possible any time, that after offering bank and signing contract, bank can withdraw contract before mortgage withdrawal? In that case, what about deposit paid?
Nice information. Can you please tell me for a property worth 300000 and a down payment of 50000, what would be monthly payment for a loan of 20 years. Just give me an approximate idea. Thanks in advance.
in think its better to rent for 2 years and then only go for buying, as there is a scheme called "help to buy" which helps to provide 30k euro tax refund, @Indian Paddy, can you please check if this info is correct or not?
Help to buy scheme is correct but as far as I know, if you’re first time buyer, you have to look new development or brand new house to avail to that 30K scheme. If you looking at second hand house, then you can’t avail 30K.
Hello bro. How many time after I apply for mortgage after legal work in Ireland . I have Portuguese nationality and I want to move in Ireland . I can invest 80k euro for mortgage . Can I apply for mortgage after one year salary detail and work proof . Thanks in advance .
Yes if you holding an EU nationality then you can apply after 1 year i think. But you have to be in full time employment for atleast 12 months to get a mortgage.
@@IndianPaddy please tell me bro how easy rent room in sharing accomodations in Dublin or surroundings.have link for rent . I will deposit, if need sharing room or bed space September
@@ramanjitkaur8933 renting in Dublin is quite hard nowdays. Lots of people are interested for renting. The places gone very. Check houses for renting on daft.ie and myhome.ie
You did not mentioned anything abt freehold vs leasehold property. There are many steps like getting checked structure of house, valuation report and all...
Brother i watched your video about areas to avoid for living in dublin, you mentioned yor place but couldn’t catch to check google map,could you mention your area. Is it still possible to buy houses in your locality or in the areas as you mentioned good for asian people.i am planning to move from Portugal,i am from Nepal. Thanks for answering me in previous times as well😅
Thanks, i watched again, i mean, i could not catch the name of your area, in fact i dont understand the word,name of are.rest other areas i understand.thanks
Hi brother, very very informative video. 2 questions please: 1. Do I need to have lived in Ireland for two or three years before I can apply for a mortgage loan? 2. If I have a visa that is valid for less than a year from now, will I be eligible for a mortgage loan?
Thanks for the prompt response @@IndianPaddy. "Get your residence in Ireland for atleast 2 years" ▬ this means that I must have been a resident in Ireland for the past 2 years or I must have a visa for the next 2 years. I'm assuming the latter but need your confirmation.
Brother i am new here , suppose if i want to buy a house with around 250K to 300k and my salary near about 30K a year mortgage cover 90K and i have to deposit 25K so may confusing is that how i will pay rest of 135K?
Thnx for guide bhai, got sale agreed now on to next part getting keys etc 🎉
Great 👍 good luck
Bahut bhadiya video bhai ji, thanks a lot.
Thanks bro 😎
Hi...just wanted to know does the mortage saver account like in BOI helps to make the application stronger? And does this account help by any chance to give an increase to our loan amoun if required ?
Any type of Savings account always help in the mortgage application. It shows how much you save every week or every month.
Wah g wah watch later
Thanks
After how much time do I get my passport when I receive my papers
After 5 years apply & one year processing time. So 6th year you will get the passport.
@@IndianPaddy Agar bandy ko 4 sal my papers mil jain to phir be 1 sal lagy ga passport ky lye
Nhi bhai. After completed 5 years of residence then you can apply for citizenship.
Your videos are so informative, If possible, can you please make the video in English
Thank you. I will try.
Without Loan .... What is the process for buying a home
All cash then.
Paaji koi Mortgage broker recommended?
I live in Cork.
Cork ka tuh pta nhi yaar, I live in Dublin. But you should something on google.
@@IndianPaddy Okay, thank you so much :)
No problem bro
Thanks,foreigners are allowed to buy houses and eligible for mortgage?
Of course bro.
Great information. Is there any benifit for those who will buy with full cash pay, i mean without mortgage. Any scheme like "help to buy" or any other?
Thanks.
No scheme for cash buyers.
What would be the home loan interest rate ?
Depending bank to bank. Could start anywhere from 2.4% to 3.9%.
Thanks for clarifying, is it flat rate or reducing rate like India
Rates are going up while inflation rises. But you can get fixed rate for 5 years as lower interest rate.
Bhai, Very well explained, only point wanted to know is for eg. as you said 10% of total amount like if it’s 4cr home then 40lac we have to do the deposit our side right, the then balance amount is 3cr 60lakh and bank will pay us only 3.5 times of salary so how it will workout for a person with an annual salary of 33000. So 33000*3.5=115500 only, could you plz guide how the balance amount is covered bcz in this case balance amount is still huge.
Yes that correct, nowdays you can get 4 times of annual income, in exceptional cases it can stretch up to 4.5 times.
Nowdays you need a bigger deposit because the property is way too high at the moment specially in Dublin.
Help to buy bhi cover kar lena tha bhai
You mean rent to buy.
@@IndianPaddy Help to buy scheme from revenue which let you get 30k from the Govt.
Ok. Next time sahi bro
Mortgage k liye stamp 4 honi chahiye kya bhai
Nhi, not necessarily.
Bro what is minimum price of 2bhk House in Dublin in Euros
In dublin 2BHK anywhere start from €250K to €325K.
Hi, intresting video. Thanks. first time buyer benefits resale apartment pe milte hai kya?
No, only newly builts
Bhai. After paying 10% deposit, contract kab sign hoga? I mean kitne week me?
All depending on the time, if you loan offers arrive from the bank & your solicitor is satisfied with all the formalities, that could be 8-12 weeks.
@@IndianPaddy and is it possible any time, that after offering bank and signing contract, bank can withdraw contract before mortgage withdrawal? In that case, what about deposit paid?
hello brother. its my 7 month in ireland but I have savings. I'm on critical skill stamp 1. can I apply for mortgage.
Hopefully you can, ask banks for more information.
Nice information. Can you please tell me for a property worth 300000 and a down payment of 50000, what would be monthly payment for a loan of 20 years. Just give me an approximate idea. Thanks in advance.
Thanks. Around €1100-1300 monthly
Check repayment calculator at facebook.com/groups/1014752915906607
Can I get a mortgage on STAMP 1 G?
Yes you can.
Bro out off Dublin Kam mile janda vaa
Mil hi janda hai.
Dear Sir, how is pharmaceutical sector in Ireland 🇮🇪
Its good, lot of opportunities.
in think its better to rent for 2 years and then only go for buying, as there is a scheme called "help to buy" which helps to provide 30k euro tax refund, @Indian Paddy, can you please check if this info is correct or not?
Help to buy scheme is correct but as far as I know, if you’re first time buyer, you have to look new development or brand new house to avail to that 30K scheme. If you looking at second hand house, then you can’t avail 30K.
@@IndianPaddy new properties and properties bought after 2017
correct
Sir, Very very useful info. God bless
Thanks 😊
Hello bro. How many time after I apply for mortgage after legal work in Ireland . I have Portuguese nationality and I want to move in Ireland . I can invest 80k euro for mortgage . Can I apply for mortgage after one year salary detail and work proof . Thanks in advance .
Yes if you holding an EU nationality then you can apply after 1 year i think. But you have to be in full time employment for atleast 12 months to get a mortgage.
@@IndianPaddy please tell me bro how easy rent room in sharing accomodations in Dublin or surroundings.have link for rent . I will deposit, if need sharing room or bed space September
@@ramanjitkaur8933 renting in Dublin is quite hard nowdays. Lots of people are interested for renting. The places gone very. Check houses for renting on daft.ie and myhome.ie
what language is this half english half indian ?
Hindi
Good job brother 😊
Thanks
Hi sir,buying a house within a year good idea? Or bringing family?
House is priority…your family will get visa easily, but to buy house in Ireland is hard. Decision is yours.
You did not mentioned anything abt freehold vs leasehold property. There are many steps like getting checked structure of house, valuation report and all...
Will do in next video.
May I ask which mortage broker and solicitor you used? Did you have a good experience with them?
I have used vision financial in Dublin. They are good broker and had a good experience with them.
@@IndianPaddy Thank you!
Sorry, one more question. Who was your solicitor?
I have my own local solicitor. Solicitor doesn’t matter that much. All kinda play same role.
Brother i watched your video about areas to avoid for living in dublin, you mentioned yor place but couldn’t catch to check google map,could you mention your area. Is it still possible to buy houses in your locality or in the areas as you mentioned good for asian people.i am planning to move from Portugal,i am from Nepal. Thanks for answering me in previous times as well😅
Avoid those areas which I’ve mention in the video, watch this video 👇
ruclips.net/video/T0PmUGd7Eig/видео.html
Thanks, i watched again, i mean, i could not catch the name of your area, in fact i dont understand the word,name of are.rest other areas i understand.thanks
Hi brother, very very informative video.
2 questions please:
1. Do I need to have lived in Ireland for two or three years before I can apply for a mortgage loan?
2. If I have a visa that is valid for less than a year from now, will I be eligible for a mortgage loan?
Thanks a lot. Get your residence in Ireland for atleast 2 years and for the time of application your visa have to valid thats it & then you can apply.
Thanks for the prompt response @@IndianPaddy. "Get your residence in Ireland for atleast 2 years" ▬ this means that I must have been a resident in Ireland for the past 2 years or I must have a visa for the next 2 years. I'm assuming the latter but need your confirmation.
Not that letter, just your visa stamp in passport & IRP or GNIB card will do as proof of residence.
@@IndianPaddy Perfect thank you brother.
No worries
Brother i am new here , suppose if i want to buy a house with around 250K to 300k and my salary near about 30K a year mortgage cover 90K and i have to deposit 25K so may confusing is that how i will pay rest of 135K?
Need to save up.
Hlo sir How are you i need your mobile number plz thanks for citizenship irish
Contact me on my instagram