Up to ent mortgage to own refugees who were entered as an installment loan Oakwood ingredient away from a civil refugee lobby plan. The fresh Swedish parliament features chose to cancel the possibility to apply getting home equipment financing, active . Thus youre no further in a position to sign up for a property equipment loan from CSN. When you have come provided a house equipment mortgage, youre to keep and then make costs on this subject financing due to the fact typical. Here look for on paying off your residence devices mortgage.
Dining table of contents
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- Appeal into the loan
- Settling the house devices loan
- Enticing up against a decision of the CSN
Interest on financing
CSN costs notice to the currency you use. During the 2023, the pace are step one,eight %. The interest try calculated throughout the big date you obtain the borrowed funds until you keeps paid the whole obligations. This is why after you pay back the loan both of you you desire to repay the cash you’ve got in addition to appeal. The interest can’t be removed.
Settling the house devices loan
You start repaying the mortgage two years just after basic acquiring the money. It takes anywhere between step one and you can eight age to settle the loan, based on how far you borrowed. We will automatically send you investing-into the glides if it is for you personally to begin making repayments.
We’re going to post step 3 paying-into the slips at the same time. Each time we posting this new expenses-within the slides, we will costs a notice payment off SEK 40. That it wide variety to a maximum of SEK 120 a year. If you can’t spend your own statements punctually, then there are to blow an indication percentage off SEK 60.
You can begin and work out payments prior to 2 years has actually introduced, if you’d like. In this case, acquisition brand new expenses-within the slides immediately following logging on the Mina sidor Hemutrustningslan (My personal Users Equipment financing) only at .
It is possible to choose make overpayments in your loan. In this instance, alter the amount said into the using-when you look at the sneak. Should you want to repay the whole mortgage in a single fee, excite contact us.
When you find yourself having trouble and come up with money
If you find yourself having difficulty making repayments on your own loan, you might affect spend smaller or even to shell out absolutely nothing within all of the to have a twelve months. CSN tend to charges attention, even if you are not and make money with the mortgage. Consequently, the debt might be growing whenever you are failing to pay.
If you cannot pay off your loan
- We are going to send you a reminder. You may then have to pay new SEK sixty indication percentage.
- If you can’t shell out even with choosing the newest note, we shall publish a unique indication next month, stating that we are able to terminate the loan for quick percentage.
- If you cannot shell out, we are going to cancel the borrowed funds to own instantaneous payment. You may then discover a having to pay-inside sneak for the whole loans. Due to the fact loan has been terminated, so long as be able to apply for deferred payment.
- If you cannot shell out that loan which had been ended, we could possibly forward the new state they the fresh Administration Authority ( Kronofogden ).
Threat of list from non-fee
If the instance is passed to the Enforcement Authority, your exposure finding a record of non-payment. Credit file enterprises issue info out of non-fee once they have received data on the Enforcement Power. UC and you can Kreditfakta try examples of credit report organizations.
When you are settling out of overseas
Are you currently paying your home devices mortgage regarding another country than Sweden? You’ll find different methods regarding percentage according to your geographical area. Oftentimes, the financial institution cost you to have dealing with percentage.
Fees away from home equipment financing are to be designed to CSN’s account from the Danske Financial by using Bankgiro number 5201-1053.