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Friday 27 January 2023 Dublin: 5°C

# Credit

Last year
2022
# Department of Environment
First of three €200 electricity credits to appear on bills from tomorrow
The credit line will appear on bills from the start of November and into December
# factcheck
FactCheck: Is the renters' €500 tax credit just worth seven days' rent in Dublin?
The claim was made by a housing charity after the budget was announced.
# Personal Loans
Personal loans up significantly for home improvements, while decreasing for car purchases
The figures were released by the Banking & Payments Federation Ireland.
# Influence
'I hope he is proud' - Praise for the man who helped instigate Ireland's youth football rejuvenation
A number of promising youngsters have emerged of late and Vera Pauw says Ruud Dokter deserves credit.
All time
# liteway loans
Central Bank issues warning to 4 unauthorised firms offering loans
The Central Bank also issued a warning notice to an unauthorised investment firm.
# Positivity
Farrell: 'What a position to be in. We've won our first game at home'
The Ireland head coach says Scotland aren’t getting the credit they deserve for last weekend’s display.
# no internet
Three promises to refund customers after credit is taken from accounts
Some customers received an SMS advising them that they had zero credit and/or had reached their roaming limit.
# Explainer
Credit unions are to be given more freedom to compete with moneylenders, so what would this mean?
It could mean they can offer small loans to people who otherwise mightn’t get credit.
# Defence
'99% of teams in world football would lose to Manchester City at the moment' - Klopp
The Liverpool boss leapt to the defence of his side, citing the fact that they have only lost one Premier League match this season to the leaders
# Oops
Some of Three's customers wrongly told they've spent hundreds on internet services
The phone service provider said the messages were sent in error and the issue has been resolved.
# Loan to Value
First time buyers no longer need 20% deposit on properties
Those mortgage rules have been reviewed.
# backing
Opinion: Martin O'Neill deserves a new contract regardless of the result on Monday
The Boys in Green earned a hard-fought 1-1 draw in the first leg of their play-off with Bosnia-Herzegovina last night.
# Breakdown
Here's how many people will get more cash with the PRSI credit - and exactly how much they'll receive
The changes affect people on incomes from €352 to €424 a week.
# We ain't kidding
'We need to stand up to Russia' - Barack Obama is talking tough at the G7 summit
The US president says sanctions against Vladimir Putin won’t change until a ceasefire is complied with in Ukraine.
# Your Say
Poll: Should a special scheme to help first-time buyers be introduced?
The aim of the possible scheme is to help out new house buyers’ “creditworthiness”.
# no derailment
SME groups welcome EU report but warn they are still in 'survival mode'
The EU Commission report found that lending to SMEs still remains weak.
# Explainer
The government has launched a new €500m bank for SMEs. But what does it mean?
SMEs have been crying out for a new source of finance – and here’s what the Government have come up with.
Voices
Opinion: Don't let the word 'bankruptcy' scare you, it is now a viable option
Bankruptcy is a recognition and embrace of failure. If properly understood people can emerge from it stronger than before, writes Ross Maguire SC.
# housing plan
80,000 new homes are needed but TDs will hear today who needs them and where
A national housing plan is vital argues one social housing group.
# Ready to go
The 6 most annoying things EVER about phone credit
“Sorry, I had no credit.”
# Competition time
Ireland needs more banks, says ESRI
Exodus of non-Irish banks during crisis hit the SME sector hard.
Voices
Column: Irish financial consumers are bewildered, frightened and angry
The protection available to consumers when they take out credit is still inadequate – despite all the promises that were made after the crash, writes Noeline Blackwell.
# Visa cards
Forget flashing the cash...we're all paying with plastic these days
Ireland’s expenditure on Visa cards has hit an all time high of €21.3 billion.
# Your Say
Poll: Has your disposable income increased?
The Irish League of Credit Unions says disposable income has risen by almost €50 since December 2012 to €182 left at the end of the month.
# Thanks Angela
German bank's low interest loans set to benefit Irish SMEs
German bank KfW will be giving out loans at interest rates lower than SMEs can currently access with Irish banks.
# city slickers
The ‘Dublin differential’: Should city centre dwellers get tax breaks for living in the capital?
House prices in Dublin are up 12.3 per cent, so should people living in the city get a helping hand?
Voices
Column: House prices are rising again, so should we be concerned about a bubble?
With property prices increasing in some parts of the country – and notably in Dublin – Ronan Lyons discusses whether we’re looking at a housing boom or a housing bubble.
# credit line
Troika to make their last review visit to Dublin today
Ireland is due to exit the EU/IMF bailout programme this December.
# Debt Ceiling
Markets wobble as US debt talks falter
Fitch has placed the US credit rating on a Negative Watch, as the stock market fell today.
# Credit
Irish SMEs are among the most reliant on banks in Europe
The Central Bank said the Irish private sector is disproportionately exposed to potential weaknesses in the banking sector.
# Lending
Bank credit to businesses continues to fall
The latest Central Bank review says that there is tight lending conditions for businesses.
# Credit
ISME: Delays in bank lending decisions a 'cynical smokescreen'
Latest figures show a 57 per cent refusal rate by banks to small- and medium-sized firms.
# Late payment
Late payment from customers is the 'biggest challenge' for businesses
A new survey also found that Irish businesses in the UK are outperforming their UK counterparts in a number of areas.
# Overcharged
Man writes own credit card contract, sues bank for breaking it
Dmitry Argarkov decided that his made up rates and fees were much more satisfactory than those of his bank.
# Competition
Consumer Association calls for EU legislation on mobile costs
Figures from the EU commission show that Irish consumers pay five times more than the cheapest EU rates in Lithuania.
# Finance
'The banks are not lending' belief is stopping SMEs applying for loans
The latest report by the ESRI says accessing finance is the third most reported problem facing small businesses in Ireland.
# Pay Up
Survey: Small businesses waiting around 67 days to be paid
The figure is slightly better than it was a few months ago – but one third of businesses are still waiting more than three months to be paid.
Voices
Column: The Local Property Tax is likely to lead to job losses in retail
Approximately 1.8 million people have less than €100 per month to spend after paying essential bills – they’ll have even less after the introduction of the new Local Property Tax, and the retail sector will be hit again, writes Mandate’s John Douglas.
# Saving
Saving index falls to record low with 48 per cent not saving at all
60 per cent of people say that government policy discourages saving.
# Savings
Annual savings up 10 per cent on last year
Research from EBS shows that people aged 16-24 are now more confident about their economic well being than this time last year.