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If you would like begin making money before or even generate overpayments to your mortgage

If you would like begin making money before or even generate overpayments to your mortgage

Until ent loan to possess refugees who were inserted as an ingredient out of a municipal refugee lobby programme. The fresh new Swedish parliament possess made a decision to cancel the option to put on getting home equipment financing, energetic . Consequently you are not any longer able to apply for a property gizmos financing from CSN. If you have started offered property gadgets mortgage, you are to keep and work out costs on this financing just like the typical. Here look for on paying down your house gadgets mortgage.

Table out of content

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  • Notice on the financing
  • Repaying the house gadgets loan
  • Appealing up against a decision because of the CSN

Desire to your financing

CSN charges desire towards money you use. During the 2023, the pace try step 1,seven percent. The eye try calculated on big date you obtain the borrowed funds unless you has actually reduced the whole obligations. This is why when you pay-off the loan both of you you need to settle the cash you have in addition to focus. The attention can not be eliminated.

Paying our home products mortgage

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You start trying to repay the borrowed funds a couple of years shortly after earliest researching the money. It will take between 1 and you can eight age to settle the borrowed funds, based on how much your debt. We’ll automatically send you using-in the slides when it is for you personally to start making payments.

We are going to upload 3 paying-for the slides at the same time. Each time i posting the newest paying-into the slips, we will fees a notification payment off SEK 40. That it quantity so you can a maximum of SEK 120 annually. If you can’t spend your own bills on time, then there are to expend a note percentage out of SEK 60.

You can start and come up with money ahead of 2 years features passed, if you want. In this case, order the fresh can credit union give me loan new investing-inside slips immediately after signing on the Mina sidor Hemutrustningslan (My personal Profiles Home equipment financing) here at .

It’s also possible to prefer to generate overpayments in your financing. In this instance, alter the matter stated for the expenses-in sneak. If you wish to repay the complete mortgage in one single percentage, delight e mail us.

When you find yourself having difficulty making costs

If you find yourself having difficulty while making money in your mortgage, you might connect with shell out faster or perhaps to pay absolutely nothing during the the to possess a twelve months. CSN often costs appeal, even although you commonly and also make costs to your loan. Thus, your debt could well be broadening while you are failing to pay.

If you cannot pay your loan

  1. We’ll send you a reminder. You will then need to pay the SEK 60 reminder percentage.
  2. If you’re unable to shell out even with getting the brand new note, we shall send another type of indication next month, proclaiming that we can terminate the loan for instantaneous fee.
  3. If you’re unable to pay, we are going to cancel the mortgage for immediate commission. You will then discover a paying-into the slip for the whole loans. Because loan might have been terminated, you no longer have the ability to apply for deferred payment.
  4. If you can’t pay that loan which was terminated, we might give brand new claim to the brand new Enforcement Authority ( Kronofogden ).

Risk of list regarding low-percentage

In case the circumstances try passed to your Administration Power, your risk receiving a record of low-payment. Credit history people point information away from low-commission after they have received data on Enforcement Power. UC and you may Kreditfakta is actually types of credit file companies.

When you’re settling off abroad

Are you currently settling your house products mortgage out-of another country than Sweden? You can find various methods away from commission dependent on in your geographical area. Occasionally, the bank cost you getting dealing with fee.

Cost out-of equipment finance should be designed to CSN’s membership at the Danske Lender that with Bankgiro number 5201-1053.

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