AIB demands 25pc deposit for one-bed apartments Irish Independent
01.01.70
STATE-owned lender AIB has reduced the amount of mortgage funding it will give for one-bed apartments, in a move that is likely to see the value of these properties fall further.
Up to now anyone buying a one-bed apartment could have received mortgage approval with a deposit of 8pc of the purchase price.
The bank now wants a deposit of at least 25pc of the total value of the property.
AIB is also telling those taking out a mortgage and getting financial support from their parents to have their parents named on the mortgage documents as co-borrowers.
Previously the bank used to accept a guarantee from parents in cases where potential buyers could not get mortgage approval without parental support.
Karl Deeter, operations manager of Irish Mortgage Brokers, said the change was probably because banks were finding that they couldn't call in guarantees given by parents in the past.
During the height of the property boom -- between 2004 and 2008 -- thousands of first-time buyers got written guarantees from their parents in order to qualify for mortgages.
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