Up to ent mortgage to own refugees who have been registered as an ingredient out-of a municipal refugee reception program. The Swedish parliament has decided to cancel the choice to utilize getting equipment money, effective . This is why you are not any longer able to sign up for a house products loan out-of CSN. When you have started granted a home devices loan, you are to continue and work out money on this subject loan due to the fact normal. Right here look for from the paying off your property gadgets mortgage.
Table of content
- Attract on financing
- Paying the home equipment mortgage
- Appealing facing a choice because of the CSN
Attract on financing
CSN fees notice on the currency you use. In 2023, the interest rate is actually step one,7 percent. The eye is actually calculated in the day you can get the loan if you do not features repaid the whole loans. This means that once you pay-off the loan both of you need to settle the cash you have got plus the interest. The eye cannot be removed.
Paying the house gizmos financing
You begin repaying the borrowed funds 24 months once very first searching the money. It needs ranging from step one and 7 ages to settle the borrowed funds, depending on how far you borrowed from. We’re going to instantly deliver expenses-inside glides in case it is time for you to begin making money.
We will publish step 3 paying-during the slips at once. Each and every time we send the latest spending-when you look at the glides, we shall charge a notification payment away from SEK 40. It numbers to help you a maximum of SEK 120 a-year. If you cannot shell out the statements on time, there are also to spend an indication commission away from SEK 60.
You can start and then make payments in advance of couple of years has passed, if you want. In this case, acquisition the latest investing-into the glides once logging towards the Mina sidor Hemutrustningslan (My Pages Equipment loan) only at .
You can will build overpayments in your mortgage. In such a case, alter the number stated toward purchasing-into the slip. If you’d like to repay the whole mortgage in a single percentage, please e mail us.
While you are having difficulty and come up with costs
While you are having problems and then make payments in your loan, you could potentially apply to spend faster or to shell out nothing at all the to own a twelve months. CSN will charges attention, even although you are not and also make money towards mortgage. This means that, the debt could be growing when you’re not paying.
If you can’t pay back your loan
- We will send you an indication. You will then need to pay the newest SEK sixty reminder payment.
- If you cannot spend despite receiving this new note, we’re going to publish a new indication the following month, stating that we could cancel the borrowed funds to own immediate percentage.
- If you fail to shell out, we are going to cancel the mortgage to own immediate payment. You’ll then found a having to pay-within the proceed the link now slip for the whole loans. Because the financing has been terminated, you no longer have the ability to sign up for deferred percentage.
- If you’re unable to shell out financing that has been ended, we would send new state they the new Administration Authority ( Kronofogden ).
Danger of listing away from low-commission
Whether your situation try passed on Enforcement Expert, your chance acquiring track of low-percentage. Credit history businesses point information off non-fee when they have received study in the Enforcement Power. UC and you can Kreditfakta is actually examples of credit history people.
If you find yourself paying down out of abroad
Are you presently paying off your home gadgets financing out-of another country than just Sweden? Discover different methods out of commission dependent on your location. Occasionally, the financial institution charge a fee getting handling the commission.
Repayment from home equipment finance will be designed to CSN’s membership from the Danske Bank by using Bankgiro number 5201-1053.