Until ent mortgage to possess refugees have been entered as an ingredient regarding a civil refugee reception programme. The brand new Swedish parliament keeps chose to terminate the choice to use having equipment funds, effective . As a result you are don’t capable submit an application for a home products mortgage out of CSN. If you have already been offered a house products financing, you are to continue and also make costs about financing because the normal. Right here look for on repaying your home devices loan.
Desk out-of content material
- Focus to your loan
- Repaying your house equipment loan
- Enticing facing a decision by CSN
Notice towards the loan
CSN charges appeal on the currency your obtain. Within the 2023, the rate was step one,seven per cent. The interest try determined in the big date you obtain the borrowed funds if you do not has repaid the complete obligations. Because of this after you pay-off the mortgage you both you prefer to repay the bucks you have got plus the interest. The eye cannot be got rid of.
Settling the house gadgets loan
You begin trying to repay the mortgage couple of years after earliest searching the cash. It needs anywhere between step one and you can seven many years to settle the borrowed funds, depending on how much you borrowed. We will immediately installment loans Tucson Arizona send you purchasing-inside slides if it’s time for you to begin making payments.
We will send step 3 using-into the slips simultaneously. Every time we upload the newest purchasing-when you look at the slides, we are going to costs an alerts commission regarding SEK 40. So it quantity in order to a total of SEK 120 a year. If you cannot pay their bills punctually, you will also have to invest a note commission away from SEK sixty.
You can start while making repayments just before two years features passed, if you like. In such a case, purchase brand new purchasing-inside slides immediately after logging with the Mina sidor Hemutrustningslan (My personal Users Equipment mortgage) here at .
You can want to build overpayments on the financing. In this instance, change the amount said toward purchasing-in sneak. If you wish to pay back the entire mortgage in a single percentage, excite e mail us.
Whenever you are having problems making repayments
When you’re having trouble and then make repayments on the mortgage, you can affect pay less or to spend nothing during the all of the having a season. CSN will fees notice, even although you are not and make costs to your mortgage. Thus, the debt could well be growing whenever you are failing to pay.
If you fail to pay the loan
- We will give you a reminder. You’ll then have to pay the latest SEK 60 note fee.
- If you cannot shell out despite researching the newest reminder, we’re going to upload another type of reminder the following month, saying that we can terminate the borrowed funds to own instantaneous commission.
- If you fail to spend, we will terminate the mortgage to own quick commission. You will then discovered a having to pay-when you look at the sneak for the entire debt. As mortgage might have been ended, you will no longer be able to sign up for deferred commission.
- If you’re unable to spend financing that has been terminated, we possibly may send new state they the Administration Power ( Kronofogden ).
Threat of listing regarding low-percentage
If for example the circumstances is handed into the Enforcement Power, your risk receiving track of low-percentage. Credit file people procedure details from non-fee after they have obtained study about Administration Power. UC and you can Kreditfakta was types of credit history organizations.
If you find yourself repaying from overseas
Will you be settling your home gizmos financing regarding a different country than Sweden? You will find various methods regarding commission based your location. In many cases, the financial institution cost you to own dealing with percentage.
Payment of home equipment finance can be made to CSN’s account at the Danske Financial that with Bankgiro number 5201-1053.
