Up until ent loan for refugees who have been joined as an ingredient from a municipal refugee reception plan. The new Swedish parliament enjoys chose to terminate the option to use having home equipment fund, active . Because of this youre no more in a position to apply for a home products mortgage from CSN. When you have been supplied property devices financing, youre to keep and work out payments with this mortgage just like the normal. Here you can read regarding the paying your residence devices loan.
Desk out-of contents
- Interest towards loan
- Paying our home gizmos loan
- Enticing facing a choice by the CSN
Notice into the financing
CSN costs appeal on money your obtain. Into the 2023, the speed was 1,seven per cent. The interest try calculated regarding the day you get the loan if you do not keeps paid down the complete financial obligation. This is why after you pay-off the mortgage you both you would like to settle the cash you got therefore the focus. The attention can not be eliminated.
Repaying the house equipment mortgage
You start paying back the mortgage 2 years shortly after earliest receiving the cash. It needs ranging from 1 and you will eight decades to settle the borrowed funds, depending on how much you borrowed. We shall instantly deliver purchasing-into the slips if it is for you personally to start making payments.
We shall publish step 3 purchasing-within the slides at a time. Each and every time we publish the newest investing-when you look at the slips, we shall costs a notice percentage out of SEK 40. This amounts so you’re able to a total of SEK 120 a-year. If you can’t pay your invoices timely, you will also have to blow a note commission of SEK sixty.
You could begin and then make costs before 2 yrs has actually passed, if you would like. In such a case, order the fresh new using-in the slides just after logging on Mina sidor Hemutrustningslan (My personal Profiles Home equipment mortgage) here at .
You can also will create overpayments in your loan. In this situation, replace the number stated on paying-during the slip. If you want to pay-off the complete financing in a single payment, excite e mail us.
If you are having difficulty while making payments
Whenever you are having problems and then make costs on your loan, you can apply to shell out reduced or perhaps to pay little at most of the to own a calendar year. CSN usually charges attention, even though you commonly to make money to the financing. As a result, the debt could well be growing whenever you are not paying.
If you fail to pay your loan
- We are going to send you an indication. You’ll then need to pay the brand new SEK 60 note percentage.
- If you can’t spend even after choosing the new reminder, we will posting a new reminder the following month, saying that we can terminate the mortgage for instant payment.
- If you cannot pay, we are going to terminate the mortgage to own instant fee. You will then located a spending-from inside the sneak for the entire obligations. As mortgage might have been ended, you will no longer be able to submit an application for deferred percentage.
- If you can’t shell out a loan that has been terminated, we may submit the latest claim to new Enforcement Authority ( Kronofogden ).
Likelihood of list away from low-fee
If the situation was handed on Enforcement Authority, you chance acquiring a record of non-percentage. Credit history enterprises material facts of low-fee when they have obtained investigation about Enforcement Power. UC and you can Kreditfakta was availableloan.net get a loan with no id no job samples of credit report enterprises.
When you are settling from abroad
Are you currently repaying your house devices mortgage out-of another country than Sweden? You’ll find various methods out of fee based on in your geographical area. Sometimes, the financial institution charge a fee to possess handling the fee.
Payment of equipment loans will be designed to CSN’s membership during the Danske Lender by using Bankgiro number 5201-1053.
