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Information regarding the offer
The lender must provide you with a European Standardised Information Sheet (ESIS), setting out the details of the mortgage offer under the European Union (Consumer Mortgage Credit Agreements) Regulations, which transposed the Mortgage Credit Directive into Irish law. The Regulations specify the step-by-step information that the ESIS must include, which include:
- just how long the offer shall be legitimate for
- Contact information of this loan provider or their representative
- Principal popular features of the loan, including risks that are potential
- Type and length of credit
- Full details of borrowing rate(s) as soon as and exactly how they may be revised, if relevant
- Total amount which you shall spend within the duration of the home loan
For a specification that is full of ESIS and directions about what it should include, see Schedule 2 regarding the laws.
You need to use the given information into the ESIS as well as other sources to evaluate the mortgage offer.
Other resources of information
Informative data on the different forms of home loan is present on ccpc.ie, along side a collection of home loan calculators that can be used to work through your monthly repayments and the results of an interest rate change.
You need to work away your revenue and expenditure and assess exactly just how they’ve been prone to alter with time, based on your work situation, your household situation along with your phase in life.
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