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Idle Banter For non SV and non bike related chat (and the odd bit of humour - but if any post isn't suitable it'll get deleted real quick). There's also a "U" rating so please respect this. Newbies can also say "hello" here too. |
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14-04-09, 08:59 AM
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#1 |
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Member
Join Date: Nov 2005
Location: Hebden Bridge
Posts: 520
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Credit crunch? What credit crunch?
So after my car deciding to be tempremental again a couple of weeks ago, we decided it was time to go and get a new(er) one.
First issue, funds. Need to borrow a bit, but people can't get credit right? Shopped around for the best available deals, then made an application online. Was asked to call for a decision, where they immeadiatley tried to get me to nearly double what I actually wanted. Was also "pre approved" for a credit card on top of this, and the application form was sent out with the loan agreeement.  Better check this loan won't affect being able to remortgage later this year if needed when the fixed rate ends. Plug our joint incomes into the "what you can borrow" calculator online and no, we can borrow a further £130k, or a grand total of 5 times our income. So off to look for cars at the weekend. Smaller 4*4 is what we're after, and given dealers can't sell anything at the moment, bargains should be about. 4 cars located within budget/mileage/age/size/reliability requirements in a 50 miles radius, so off we go. All four had been sold in the 24 hours before we viewed them. Every garage we visited seemed to be crawling with customers. Credit crunch or media driven hype?
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Formerly Blue K5 with added bits Then Triumph Sprint ST with scottoiler and R&Gs & TOR exhaust Now Benelli Tornado |
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14-04-09, 09:03 AM
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#2 |
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Posts: n/a
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Re: Credit crunch? What credit crunch?
media driven hype, we are all going to die from bird flu too remember.
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14-04-09, 09:10 AM
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#3 |
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Member
Mega Poster
Join Date: Jan 2005
Location: Barnet Herts
Posts: 5,071
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Re: Credit crunch? What credit crunch?
Credit crunch all over now then?
Great.Lets all get back to living it up beyond our means.Tomorrow never comes as the song said.
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On a clear day we stand there and look further than the ordinary eye can see. |
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14-04-09, 09:20 AM
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#4 | |
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Member
Join Date: Nov 2005
Location: Hebden Bridge
Posts: 520
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Re: Credit crunch? What credit crunch?
Quote:
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Formerly Blue K5 with added bits Then Triumph Sprint ST with scottoiler and R&Gs & TOR exhaust Now Benelli Tornado |
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14-04-09, 09:24 AM
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#5 | |
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Member
Mega Poster
Join Date: Mar 2005
Location: Llanwrtyd Wells Powys
Posts: 1,146
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Re: Credit crunch? What credit crunch?
Quote:
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14-04-09, 09:26 AM
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#6 |
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Guest
Posts: n/a
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Re: Credit crunch? What credit crunch?
Dont think he was saying he will borrow that much! Mind you ti would be a nice car!
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14-04-09, 09:27 AM
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#7 |
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Guest
Posts: n/a
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Re: Credit crunch? What credit crunch?
Depends if you're a business wanting to borrow money.
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14-04-09, 09:33 AM
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#8 | |
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Member
Join Date: Nov 2005
Location: Hebden Bridge
Posts: 520
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Re: Credit crunch? What credit crunch?
Quote:
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Formerly Blue K5 with added bits Then Triumph Sprint ST with scottoiler and R&Gs & TOR exhaust Now Benelli Tornado |
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