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Capital Credit Union
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      Applicant 1 less applicant 2
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      This activates if: 1 applicant The difference of ages of two applicant is a minus integer (meaning applicant 2 is older) The difference in age between two applicants is 0 The value is applicant 1's age who assumes priority on basis of juniority or sole applicant or no difference in age.
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      This activates if: The difference of ages of two applicant is a positive integer (meaning applicant 2 is younger) The field is only activated on two applicants. Their age is used as term length in the following field
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      Set at 35 Years
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      Uses max-borrowing-term class and a retirement age of 66
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      35 years less Max term
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      Shows if max term is less 35 years
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      Shows if max term is 35 years
    • Uses max-borrowing-term class and a retirement age of 66
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      sums questions - 1 means a first time buyer
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    • 1. Your Income

      Tell us about your salary and other income.
    • You can list any additional incomes here.
      Actions
      There are no Incomes.

      Maximum number of incomes reached.

    • 2. Commitments

      Tell us a little about your fixed monthly outgoings.
    • These are fixed payments you make every month such as mortgage, rent, loan repayments etc. You can add as many as necessary.
      Actions
      There are no Liabilities.

      Maximum number of liabilities reached.

    • Creche, childminder, etc.
    • Sum of NDI for one applicant and for two applicants
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      NDI RULE LOGiC

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      stop
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      DSR RUle Logic

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      stop
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      Both Rules Satisfied

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      1=yes Anything else is a no
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      Lesser of Rules

      Show lesser of NDI Rule or DSR Rule. If NDI is > DSR then difference is greater than 0 so show DSR If 0 then show DSR (it doesn't matter as they're both the same) If less than zero then DSR
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    • Backend Calculation for reverse loan calc

      If both rules satisfied is yes (1) then show the maximum monthly payment for calculation If both rules satisfied is No (0) show the lesser of the rules
    • Echoes lesser of rules from NDI and DSR
    • Will be hidden. Formula is (Home value less mortgage balance) plus any savings offered as equity or deposit for first timers.
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    • Max LTI times Total Annual Income
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      LTI - LTV
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      If Test for Lesser of LTI or LTV is minus integer or 0 then LTI is echoed
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      If Test for Lesser of LTI or LTV is positive integer then LTV is echoed
    • Lesser of LTI and LTV
    • PV Calculation using maximum term and maximum monthly repayment (lesser of rules)
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      Maximum Borrowing (LTI versus LTV) less Maximum Borrowing (based on lesser of rules and maximum term)
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      If Difference from test of lesser of Max Borrowings is 0 or less than 0
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      If Difference from test of lesser of Max Borrowings is greater than 0
    • The lesser of LTI and LTV or the lesser of NDI and DSR Rule

    • How Much You Could Borrow

    • Based on your responses, the maximum borrowing you could afford is € over a term of years.

    • We are sorry but we cannot complete a calculation based on your responses.

      Why not call us on to discuss your options or start an application below?

      Freephone 1800 285 626

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    Address

    For a list of all Capital Credit Union branches see here
    HEAD OFFICE
    Capital Credit Union,
    Main Street,
    Dundrum,
    Dublin 14
    D14 PD79
    Ireland
    Email: info@capitalcu.ie
    Phone: 01 299 0400

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    Capital Credit Union Ltd is regulated by the Central Bank of Ireland

    © 2026 Capital Credit Union.

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