Mortgage Calculator: Calculate Your Monthly Mortgage Payment #finance #car #deals


#mortgage finance calculator

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Mortgage calculator

Mortgage calculator

Mortgage calculator

Our estimated monthly payment provides an overview of everything that makes up your payment: such as principal and interest, plus additional costs — like taxes and insurance. The more info you’re able to provide, the more accurate your total monthly payment estimate will be.

If you’re really into math and want to know how the numbers work, here’s how to calculate your monthly mortgage payments on a fixed-rate loan:

M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1]

Let’s break that down a little further. The variables are as follows:

  • M = monthly mortgage payment
  • P = the principal, or the initial amount you borrowed.
  • i = your monthly interest rate. Your lender likely lists interest rates as an annual figure, so you’ll need to divide by 12, for each month of the year. So, if your rate is 5%, then the monthly rate will look like this: 0.05/12 = 0.004167.
  • n = the number of payments over the life of the loan. If you take out a 30-year fixed rate mortgage, this means: n = 30 years x 12 months per year, or 360 payments.

As mentioned above, the longer the loan, the less you’ll pay each month. You will, however, also pay more in total because interest compounds. Essentially, you’ll pay interest on interest. So you multiply the interest rate by itself for each term of payment — hence the exponent in the formula. That will have a great bearing on your decision between a 30-year fixed-rate and a 15-year.

Say you’ve decided to buy a home that’s appraised at $500,000, so you take out a $400,000 loan with an interest rate of 3.5%. First, let’s take a look at a 30-year loan. For quick reference, again, the formula is:

M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1]

Our P, or principal, is $400,000.

Remember, with i, we must take the annual interest rate given to us — 3.5%, or 0.035 — and divide by 12, the number of months in a year. This calculation leaves us with 0.002917, or i.

Our n, again, is the number of payments. And with one payment every month for 30 years, we multiply 30 by 12 to find n = 360.

When all s said and done, for a 30-year loan at 3.5% interest, we’ll pay $1,796.18 each month.

For a 15-year loan, the math is nearly identical. All that’s different is the value of n. Our loan is half the length, and so the value for n is 180. Each month we’ll pay $2,859.53, over 60% more than with the 30-year loan.

Over the length of the loan, though, the 15-year loan is a far better deal, considering the interest you pay — $514,715 in total. With the 30-year, you pay $646,624 total — over $100,000 more.

Your decision between these two, quite simply, hinges on whether or not you can float the significantly higher monthly payments for a 15-year loan.

A little math can go a long way in providing a “ how much house can I afford? ” reality check.

NerdWallet’s Mortgage Calculator makes it easy to compare common loan types to see how each type of loan affects your monthly payment. We source the latest weekly national average interest rate from Freddie Mac, so you can accurately estimate and compare your monthly payment for a 30-year fixed. 15-year fixed. and 5/1 ARM.

To help pick the right mortgage for you, you should consider the following:

  1. How long do you plan to stay in your home?
  2. How much financial risk can you accept?
  3. How much money do you need?

15- or 30-year fixed rate loan: If you’re settled in your career, have a growing family and are ready to set down some roots, this might be your best bet because the interest rate on a fixed-rate loan never changes.

In general, for a 30-year fixed loan, you will have the lowest monthly payment but the highest interest rate. However, with a 15-year fixed, you’ll have a higher payment, but will pay less interest and build equity and pay off the loan faster.

It’s worth noting though, that if other fees are rolled into your monthly mortgage payment, such as annual property taxes or homeowner’s association dues, there may be some fluctuation over time.

5/1 ARM and adjustable-rate mortgages: These most often appeal to younger, more mobile buyers who plan to stay in their homes for just a few years or refinance when the teaser rate is about to end.

These loans have interest rates that reset at specific intervals. They typically begin with lower interest rates than fixed-rate loans, sometimes called teaser rates. After the initial term ends, the interest rate — and your monthly payment — increases or decreases annually based on an index, plus a margin.

Paying a lower interest rate in those initial years could save hundreds of dollars each month that could fund other investments. But be careful. Your interest rate and monthly payment will increase after the introductory period, which can be 3, 5, 7 or even 10 years, and can climb substantially depending on the terms of your specific loan.


Pay monthly sofa, furniture and flooring finance #world #finance


#finance furniture

#

Payment

Spread the costs

At ScS, we give you the option to pay for your sofas, furniture and carpets in a way that suits you. This includes a fantastic finance package that allows you to take advantage of up to 4 years interest free credit, 0% APR representative, on all of our sofas, furniture and flooring. Simply choose the ‘Pay monthly’ button at the bottom of the shopping basket, complete your details and select the finance term that you prefer. Once we have received this information, a member of our Internet Shopping Team will call you to complete your finance application.

Free ’til 2017 representative example

Payments start January 2017
*Additional delivery charges may apply for addresses outside a 30-mile radius from a SCS store or distribution centre.

Do I qualify for finance?

To qualify for finance you must be:

  • 18 years of age, or over;
  • A permanent resident of the United Kingdom and have been for the last three years;
  • Regularly employed for at least 16 hours a week (includes Armed Forces), self-employed, retired, on long-term invalidity/disability benefit or a house person;
  • Able to pay the required deposit by debit or credit card upon completion of the finance application;
  • Have no County Court Judgments or a history of bankruptcy;
  • Have a UK bank account that accepts Direct Debit instructions.
  • How do I apply for finance?
    • Choose the ‘Pay monthly’ button at the bottom of the shopping basket, complete your details and choose the preferred finance term to suit your budget.
    • Once you have submitted your order, a member of our Internet Shopping Team will call you in the timeframe you requested in the checkout to complete your finance application.
    • You will need to have your bank account details, proof of identification (driving licence, passport or electricity bill) and employment or income details to hand when we call you.
  • Do I have to pay anything upfront?
    • A minimum deposit of £59 is required on every ScS purchase, but you can choose to pay more than this at the checkout if you wish. This will reduce your monthly payments, but even if you only pay the minimum deposit, your monthly payments will always be interest free.
    • Your deposit is payable on completion of a successful finance application with ScS.
    • The deposit must be paid by either debit or credit card. We don’t charge fees for payments made by credit or debit card.
  • A Share Sons Ltd, 45 – 49 Villers Street, Sunderland SR1 1HA, Company Registration No. 000323778 acts as a credit broker and not the lender and only offers products from Creation Consumer Finance Limited. Creation Consumer Finance Limited is authorized and regulated by the Financial Conduct Authority (Financial Services Register No. 311518). Registered in Northern Ireland, Registration No. N1032565. Registered office: 6th Floor, Royston House, 34 Upper Queen Street, Belfast, BT1 6FD

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    Pay monthly with PayPal Credit – Apple (UK) #car #finance #rates


    #finance uk

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    Terms & Conditions

    Subject to credit approval. Finance provided by PayPal Credit. Apple Distribution International acts as a broker and offers finance from a restricted range of finance providers. PayPal Credit is a trading name of PayPal (Europe) S.à r.l. et Cie, S.C.A. 22-24 Boulevard Royal L-2449, Luxembourg. If you apply and are approved for PayPal Credit, you can use the credit limit granted to pay for today’s purchase and future purchases up to your credit limit. Apple Store instalment purchases qualify for 14.9% p.a. for a fixed period depending on the length of the term selected. For example a £1200 purchase split over 24 monthly payments at 14.9% p.a. would cost £57.60 per month.

    Prices are inclusive of VAT (20%) and Insurance Premium Tax (where applicable) but exclusive of delivery charges unless otherwise indicated. The VAT rate for products classified as services under EU VAT law will be 23% as VAT is charged at the rate payable in the country where Apple Distribution International supplies such products, which is the Republic of Ireland. The order form shows you the VAT payable on the Products you select.
    Apple Distribution International is regulated by the Central Bank of Ireland and has permission to offer its services in certain EEA countries.
    For further information, please see registers.centralbank.ie.


    San Diego Bankruptcy Attorney #bankruptcy,san #diego #bankruptcy #attorney,lawyer,foreclosure,chapter #13,lien #stripping,repossession,wage #garnishment,bank #levy,easy #payment #plan,one #monthly #payment,consolidated #payments,asset #protection,discharge #debt,chapter #7,carlsbad #bankruptcy #lawyers


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    San Diego Bankruptcy Attorney

    San Diego Bankruptcy Attorney Mark L. Miller has filed thousands of San Diego bankruptcies, eliminating millions of dollars in debt on behalf of his clients. With 22 years of experience, you can trust Miller Legal Center to successfully file your bankruptcy case.

    Chapter 7 Bankruptcy
    Chapter 7 Bankruptcy is literally a life saver for many people. Simply stated, a chapter 7 bankruptcy deletes your debt, protects your belongings, stops creditors from harassing you and offers you a fresh financial start. Miller’s Legal team works in conjunction with the United States bankruptcy laws to eliminate your debt and protect your belongings.

    Chapter 13 Bankruptcy
    Chapter 13 bankruptcy will restructure your debt into one affordable monthly payment. Your life doesn’t have to be miserable with harassing creditor phone calls and huge piles debt. Excessive debt is caused by unforeseen circumstances, medical bills, personal loans, charge card offers, and other financial obligations that keep adding up through the years.

    Must Watch Video on Benefits of Filing Bankruptcy

    Debt Negotiation
    Our office settles your credit accounts without filing for bankruptcy. Many people who do not qualify for bankruptcy feel overwhelmed and think that there is no way for them to ever get out of debt. If this is you, we are here to help. We work with you and help eliminate debt. Our office has years of experience in debt negotitation so start saving now.

    Beyond Bankruptcy life is good!
    After your case is discharged you are officially debt free; the weight of all of that debt is off your shoulders! Your credit report reflects that you are debt free therefore landlords, lenders, car dealerships and even credit card companies want to partner with you. Our post bankruptcy clients enjoy the freedom of a fresh financial start and the feeling of relief knowing their debt is gone! Beyond bankruptcy Mr. Miller’s clients see him as their “personal attorney.” He is here for future legal needs as he is always just a phone call or Email away.

    Prefer a female attorney?
    Ms. Larissa Lazarus is our senior associate attorney. She is known as the best Chapter 13 attorney is San Diego. Attorney Lazarus understands what you are going through and is on a mission to eliminate your debt allowing you to live a happier life. Come meet Ms. Lazarus and Mr. Miller so you can plan on a brighter financial future. We are here to resolve your financial concerns. Miller Legal Center has filed thousands of San Diego bankruptcies. Filing for bankruptcy doesn’t have to be stressful!

    Centrally located in beautiful Old Town San Diego, we are just off the 5 freeway. We offer plenty of free parking onsite and fresh cookies will be waiting for you when you arrive. We look forward to offering you a fresh financial start.

    Our prices are fair and our knowledge is beyond compare.

    “My legal team is located here in San Diego. Our Lawyers are experienced-because experience matters! We offer excellent service & are always available to meet with our clients.”
    – Attorney, Mark L. Miller

    Bankruptcy offers a fresh start!
    Bankruptcy laws were put in place to offer you a fresh start; not to punish you! Miller Legal Center has successfully filed thousands of bankruptcies, discharging millions of dollars in debt! Most people who file for bankruptcy keep all of their property and lose nothing but their debt!


    Pay monthly with PayPal Credit – Apple (UK) #ssj #finance


    #finance uk

    #

    Terms & Conditions

    Subject to credit approval. Finance provided by PayPal Credit. Apple Distribution International acts as a broker and offers finance from a restricted range of finance providers. PayPal Credit is a trading name of PayPal (Europe) S.à r.l. et Cie, S.C.A. 22-24 Boulevard Royal L-2449, Luxembourg. If you apply and are approved for PayPal Credit, you can use the credit limit granted to pay for today’s purchase and future purchases up to your credit limit. Apple Store instalment purchases qualify for 14.9% p.a. for a fixed period depending on the length of the term selected. For example a £1200 purchase split over 24 monthly payments at 14.9% p.a. would cost £57.60 per month.

    Prices are inclusive of VAT (20%) and Insurance Premium Tax (where applicable) but exclusive of delivery charges unless otherwise indicated. The VAT rate for products classified as services under EU VAT law will be 23% as VAT is charged at the rate payable in the country where Apple Distribution International supplies such products, which is the Republic of Ireland. The order form shows you the VAT payable on the Products you select.
    Apple Distribution International is regulated by the Central Bank of Ireland and has permission to offer its services in certain EEA countries.
    For further information, please see registers.centralbank.ie.


    Calculate Your Monthly Boat Loan Costs #close #premium #finance


    #boat finance

    #

    Financing Your Boat

    Calculate Your Monthly Boat Loan Costs

    Boat Loan Calculator

    Boating may be more affordable than you think. In some instances, you can buy a brand new boat for around $250 a month, while a new PWC may be purchased for around $125 a month. Interest on a boat loan may be deductible if the boat has a galley, berth and head. If you know your monthly budget amount, enter it in the total loan amount window and work backwards to determine what size loan you can afford. If you know the cost of the boat or PWC you want, put that amount in the monthly payment window to determine your monthly payment.

    Please note: Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed. By using this program you acknowledge that the National Marine Lenders Association (NMLA) shall not be responsible for any damages resulting from the use of the Loan Calculator by you or any other person, however caused.

    To determine actual interest rates and terms, call a National Marine Lenders Association member, and visit one of their websites.


    Mortgage Calculator: Calculate Your Monthly Mortgage Payment #bajaj #consumer #finance


    #mortgage finance calculator

    #

    Credit Cards

    Banking

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    Loans

    Insurance

    Credit Cards

    Banking

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    Loans

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    Mortgage calculator

    Mortgage calculator

    Mortgage calculator

    Our estimated monthly payment provides an overview of everything that makes up your payment: such as principal and interest, plus additional costs — like taxes and insurance. The more info you’re able to provide, the more accurate your total monthly payment estimate will be.

    If you’re really into math and want to know how the numbers work, here’s how to calculate your monthly mortgage payments on a fixed-rate loan:

    M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1]

    Let’s break that down a little further. The variables are as follows:

    • M = monthly mortgage payment
    • P = the principal, or the initial amount you borrowed.
    • i = your monthly interest rate. Your lender likely lists interest rates as an annual figure, so you’ll need to divide by 12, for each month of the year. So, if your rate is 5%, then the monthly rate will look like this: 0.05/12 = 0.004167.
    • n = the number of payments over the life of the loan. If you take out a 30-year fixed rate mortgage, this means: n = 30 years x 12 months per year, or 360 payments.

    As mentioned above, the longer the loan, the less you’ll pay each month. You will, however, also pay more in total because interest compounds. Essentially, you’ll pay interest on interest. So you multiply the interest rate by itself for each term of payment — hence the exponent in the formula. That will have a great bearing on your decision between a 30-year fixed-rate and a 15-year.

    Say you’ve decided to buy a home that’s appraised at $500,000, so you take out a $400,000 loan with an interest rate of 3.5%. First, let’s take a look at a 30-year loan. For quick reference, again, the formula is:

    M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1]

    Our P, or principal, is $400,000.

    Remember, with i, we must take the annual interest rate given to us — 3.5%, or 0.035 — and divide by 12, the number of months in a year. This calculation leaves us with 0.002917, or i.

    Our n, again, is the number of payments. And with one payment every month for 30 years, we multiply 30 by 12 to find n = 360.

    When all s said and done, for a 30-year loan at 3.5% interest, we’ll pay $1,796.18 each month.

    For a 15-year loan, the math is nearly identical. All that’s different is the value of n. Our loan is half the length, and so the value for n is 180. Each month we’ll pay $2,859.53, over 60% more than with the 30-year loan.

    Over the length of the loan, though, the 15-year loan is a far better deal, considering the interest you pay — $514,715 in total. With the 30-year, you pay $646,624 total — over $100,000 more.

    Your decision between these two, quite simply, hinges on whether or not you can float the significantly higher monthly payments for a 15-year loan.

    A little math can go a long way in providing a “ how much house can I afford? ” reality check.

    NerdWallet’s Mortgage Calculator makes it easy to compare common loan types to see how each type of loan affects your monthly payment. We source the latest weekly national average interest rate from Freddie Mac, so you can accurately estimate and compare your monthly payment for a 30-year fixed. 15-year fixed. and 5/1 ARM.

    To help pick the right mortgage for you, you should consider the following:

    1. How long do you plan to stay in your home?
    2. How much financial risk can you accept?
    3. How much money do you need?

    15- or 30-year fixed rate loan: If you’re settled in your career, have a growing family and are ready to set down some roots, this might be your best bet because the interest rate on a fixed-rate loan never changes.

    In general, for a 30-year fixed loan, you will have the lowest monthly payment but the highest interest rate. However, with a 15-year fixed, you’ll have a higher payment, but will pay less interest and build equity and pay off the loan faster.

    It’s worth noting though, that if other fees are rolled into your monthly mortgage payment, such as annual property taxes or homeowner’s association dues, there may be some fluctuation over time.

    5/1 ARM and adjustable-rate mortgages: These most often appeal to younger, more mobile buyers who plan to stay in their homes for just a few years or refinance when the teaser rate is about to end.

    These loans have interest rates that reset at specific intervals. They typically begin with lower interest rates than fixed-rate loans, sometimes called teaser rates. After the initial term ends, the interest rate — and your monthly payment — increases or decreases annually based on an index, plus a margin.

    Paying a lower interest rate in those initial years could save hundreds of dollars each month that could fund other investments. But be careful. Your interest rate and monthly payment will increase after the introductory period, which can be 3, 5, 7 or even 10 years, and can climb substantially depending on the terms of your specific loan.


    Financing Plastic Surgery: Monthly Payments? Doctor Answers, Tips #acf #finance


    #cosmetic surgery finance

    #

    Financing Plastic Surgery: Monthly Payments?

    There are many financing companies out there, but like most responders, we have found CareCredit is reputable and very popular.

    Care Credit works like a credit card with a revolving line of credit.

    EFFECTIVE 4/10/09 CAPITAL ONE IS NO LONGER FINANCING HEALTH CARE.

    Of course, your loan will depend on your credit history verified by a credit check.

    Another option is to ask your doctor if you can make payments to them. Once you’ve reached the full amount due, you can have surgery.

    Financing your Surgery: Body Contouring, Breast Surgery, Plastic Surgery

    January 2nd, 2009

    There are many companies that finance plastic surgery procedures. In general, the options are in-house financing, if available in your surgeon’s office, or commercial lending institutions.

    Discuss the options for financing with your physician’s office and confirm that the physician’s office uses reputable lenders such CareCredit, Capital One, or Surgery Loans.

    With the economy taking a downturn, we are seeing more of our patients financing.

    January 2nd, 2009

    You are not alone wanting plastic surgery but having to take the next step to somehow afford the procedure(s). With the economy taking a downturn, we are seeing more of our patients financing.

    CapitalOne and Care Credit represent two of the most frequently used finance companies and they have been reputable over the years. On a less frequent basis, we have seen a few of our patients using their personal credit cards, but PLEASE be aware of the terms of the loan, interest rates, etc.

    Do not bite off more than you can chew! Take a good look at your budget and be practical. There are times where I advise my patients to split the procedures up and do the most important one first. And, there are times where it is best to wait until you are financially on more solid ground. Be prudent and be sensible.

    There are many financing options available.

    January 17th, 2009

    There are many financing options for plastic surgery available. However, please make sure that you can afford the surgery/payments. Just because someone will give you credit, you should still make sure that it is reasonable for your budget. I often tell patients to make sure that they have funds available for twice the cost of the surgery. This makes sure that you will not run into problems if you end up being off work longer than expected or have some other expense that you were not planning on. Plastic surgery should be an enjoyable process for you. Financing just helps make the process easier. Good luck with your surgery.

    Payment plans abound

    January 5th, 2009

    Care Credit is the financing plan approved by the American Society of Plastic Surgery.

    Financing Plastic Surgery: Monthly Payments?

    February 13th, 2015

    Thank you for the question.

    In our practice, we use Care Credit as well as other companies; they have been used by our patients with no problems. They do have different rates so please make sure you get all of the information you need prior to signing up with any financing company.

    Generally speaking, it is always in patients’ best interests to achieve a certain degree of financial stability prior to undergoing elective surgery of any type. Patients should also keep in mind that additional surgery may be necessary in the short or long term, following the primary procedure that is being performed; this additional surgery may be associated out-of-pocket expenses. Again, best to achieve a physical, emotional, psychosocial, and financial “stable state” prior to considering elective plastic surgery. Best wishes.

    Plastic surgery financing

    November 27th, 2009

    Many different practices will use varying types of financing for plastic surgery. I use several companies, though I council patients that you may find a better interest rate on one of your credit cards rather than some financing programs, depending on your credit.

    Additionally, remember that elective plastic surgery is exactly that- elective. I do not recommend patients getting into severe debt to afford cosmetic surgery — don’t let anybody pressure you into having surgery that you cannot afford!

    Yes, 12 months interest free financing for breast implant in Atlanta

    August 14th, 2009

    We can arrange 12 month interest free financing for patients with good credit. This is determined by the credit company. It is for any type of surgery the patient wants and is available for multiple operations.

    Financing is a viable option to make monthly payments on elective surgery

    January 7th, 2009

    Financing surgery is a viable option for many patients. If you think about it, very few people are able to make large purchases with cash. Therefore, there are many options to pay for your cosmetic surgery with reputable financing companies including Care Credit, Surgery Loans and Health One Financial.

    My best advice is to research your options thoroughly and choose a practice that proactively helps provide you with your payment and financing options.

    Keep in mind when you consider financing any purchase the terms and patient interest rates. You’ve done a lot of careful research selecting your plastic surgeon, please make sure the decision to finance with a particular company is a careful one as well.

    Show more answers

    These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.

    You might also like.

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    Pay monthly with PayPal Credit – Apple (UK) #cars #finance


    #finance uk

    #

    Terms & Conditions

    Subject to credit approval. Finance provided by PayPal Credit. Apple Distribution International acts as a broker and offers finance from a restricted range of finance providers. PayPal Credit is a trading name of PayPal (Europe) S.à r.l. et Cie, S.C.A. 22-24 Boulevard Royal L-2449, Luxembourg. If you apply and are approved for PayPal Credit, you can use the credit limit granted to pay for today’s purchase and future purchases up to your credit limit. Apple Store instalment purchases qualify for 14.9% p.a. for a fixed period depending on the length of the term selected. For example a £1200 purchase split over 24 monthly payments at 14.9% p.a. would cost £57.60 per month.

    Prices are inclusive of VAT (20%) and Insurance Premium Tax (where applicable) but exclusive of delivery charges unless otherwise indicated. The VAT rate for products classified as services under EU VAT law will be 23% as VAT is charged at the rate payable in the country where Apple Distribution International supplies such products, which is the Republic of Ireland. The order form shows you the VAT payable on the Products you select.
    Apple Distribution International is regulated by the Central Bank of Ireland and has permission to offer its services in certain EEA countries.
    For further information, please see registers.centralbank.ie.


    Pay monthly with PayPal Credit – Apple (UK) #magma #finance


    #finance uk

    #

    Terms & Conditions

    Subject to credit approval. Finance provided by PayPal Credit. Apple Distribution International acts as a broker and offers finance from a restricted range of finance providers. PayPal Credit is a trading name of PayPal (Europe) S.à r.l. et Cie, S.C.A. 22-24 Boulevard Royal L-2449, Luxembourg. If you apply and are approved for PayPal Credit, you can use the credit limit granted to pay for today’s purchase and future purchases up to your credit limit. Apple Store instalment purchases qualify for 14.9% p.a. for a fixed period depending on the length of the term selected. For example a £1200 purchase split over 24 monthly payments at 14.9% p.a. would cost £57.60 per month.

    Prices are inclusive of VAT (20%) and Insurance Premium Tax (where applicable) but exclusive of delivery charges unless otherwise indicated. The VAT rate for products classified as services under EU VAT law will be 23% as VAT is charged at the rate payable in the country where Apple Distribution International supplies such products, which is the Republic of Ireland. The order form shows you the VAT payable on the Products you select.
    Apple Distribution International is regulated by the Central Bank of Ireland and has permission to offer its services in certain EEA countries.
    For further information, please see registers.centralbank.ie.