When you borrow money to buy a car-or if you lease a car-you don’t own the vehicle "free and clear." You get to drive it, but the car can be taken away through repossession if you stop making payments.
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With Bank of Ireland’s 10-year 3.50% fixed rate, your monthly repayment would be 1,212.42 for the fixed term. So, you would be paying an extra 52.13 every month on the fixed rate, which is an extra 625.26 over the course of a year, but you would have the peace of mind that your payments wouldn’t change.
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