If you wish to start making money earlier or even make overpayments with the mortgage
Up to ent loan getting refugees have been inserted as an ingredient of a municipal refugee lobby programme. This new Swedish parliament keeps chose to terminate the choice to use having equipment funds, active . This is why you are not any longer capable get a house products mortgage off CSN. For those who have come provided a home gizmos financing, youre to keep to make payments on this subject mortgage since typical. Here you can read in the paying your house products loan.
Desk of information
- Focus into the financing
- Settling the house gizmos loan
- Appealing against a decision of the CSN
Desire to your financing
CSN charge interest towards the currency you obtain. From inside the 2023, the pace try 1,7 %. The interest try calculated throughout the go out you obtain the borrowed funds if you do not possess paid off the entire financial obligation. This is why once you pay off the loan both of you you would like to settle the bucks you got and notice. The eye cannot be got rid of.
Paying off your house products financing
You start trying to repay the loan 24 months once very first receiving the cash. It will require anywhere between step 1 and you may seven ages to settle the borrowed funds, depending on how much you borrowed. We’re going to immediately send you spending-in slides if it’s time and energy to start making costs.
We’re going to publish 3 spending-into the slides at a time. Each time i post the latest paying-during the glides, we’re going to charges a notice fee from SEK forty. It quantity to help you all in all, SEK 120 a year. If you can’t shell out the bills punctually, then there are to blow a note commission out of SEK sixty.
You can begin while making money just before a couple of years provides introduced, if you’d like. In this instance, acquisition the latest using-inside the slips once logging into the Mina sidor Hemutrustningslan (My Pages Home equipment loan) only at .
You can also choose make overpayments on your own financing. In this instance, replace the matter stated on the using-within the sneak. If you want to pay-off the whole loan in a single percentage, delight e mail us.
If you find yourself having problems and make money
When you find yourself having trouble making repayments on your own mortgage, you could potentially connect with spend reduced or even to pay absolutely nothing from the all the to possess a season. CSN commonly costs interest, even if you aren’t and then make payments into loan. Because of this, your debt would-be increasing when you’re not paying.
If you cannot pay your loan
- We’ll give you a reminder. You will then need to pay brand new SEK sixty note percentage.
- If you cannot spend despite receiving the latest indication, we shall post another reminder next month, saying that we could cancel the mortgage to possess quick payment.
- If you fail to pay, we will cancel the mortgage to possess instantaneous payment. You may then receive a having to pay-in sneak for the whole loans. Just like the financing could have been ended, so long as be able to make an application for deferred percentage.
- If you cannot pay financing which had been ended, we would forward the newest state they new Enforcement Power ( Kronofogden ).
Likelihood of number out-of low-commission
When your situation was handed towards Administration Power, your chance researching tabs on low-payment. Credit report organizations topic facts out-of non-fee once they have received study on the Enforcement Power. UC and Kreditfakta is bad credit installment loans Sacramento NM types of credit file organizations.
If you’re paying down away from abroad
Are you currently settling your house equipment mortgage of a different country than simply Sweden? You’ll find different ways off payment dependent on your location. In many cases, the financial institution charge a fee to own dealing with percentage.
Payment from equipment loans can be made to CSN’s account during the Danske Financial that with Bankgiro number 5201-1053.