Up to ent mortgage for refugees who had been joined as a key part from a civil refugee lobby program. Brand new Swedish parliament have decided to cancel the possibility to put on to have equipment fund, productive . Thus you are not capable get a property equipment loan from CSN. When you have been provided a house gizmos financing, you are to keep while making payments on this mortgage due to the fact regular. Here look for regarding settling your property devices mortgage.
Desk out-of contents
- Appeal with the financing
- Paying off the home gadgets mortgage
- Appealing up against a decision by CSN
Desire towards loan
CSN costs appeal on currency your obtain. Inside the 2023, the interest rate try step 1,7 %. The eye is calculated about big date obtain the loan until you keeps paid down the complete loans. Because of this when you pay back the loan both of you you need to settle the bucks you have and interest. The attention can not be eliminated.
Paying off the house gizmos financing
You begin trying to repay the borrowed funds 2 yrs shortly after very first receiving the cash. It needs ranging from step 1 and seven decades to settle the loan, depending on how far your debt. We will instantly send you investing-into the glides in case it is time to begin making repayments i need to make quick money now.
We are going to posting 3 spending-in the slips at the same time. Every time i posting brand new using-for the slides, we will charges a notice commission of SEK 40. It wide variety so you can all in all, SEK 120 annually. If you cannot shell out the statements punctually, you will also have to invest an indication percentage out-of SEK sixty.
You can start and work out payments just before 2 yrs has introduced, if you’d like. In this instance, buy the spending-in the slides immediately following signing with the Mina sidor Hemutrustningslan (My Profiles Equipment financing) here at .
You can choose create overpayments on your loan. In cases like this, replace the matter said to the investing-inside the sneak. If you want to pay-off the entire financing in a single fee, please e mail us.
If you’re having problems and also make repayments
When you find yourself having difficulty to make costs in your mortgage, you can apply to pay less or even to spend nothing on every to own a season. CSN usually charge attract, even although you commonly and also make repayments towards loan. This is why, the debt will be growing if you find yourself not paying.
If you can’t pay back the loan
- We’re going to deliver a note. You may then need to pay brand new SEK 60 reminder commission.
- If you cannot spend even with choosing the latest note, we’re going to publish a separate reminder the following month, proclaiming that we could terminate the loan to have instantaneous commission.
- If you can’t pay, we’ll cancel the loan to own instantaneous commission. You will then located a having to pay-in the slip for your loans. Just like the loan has been terminated, you will no longer have the ability to apply for deferred payment.
- If you can’t spend a loan that has been ended, we possibly may forward the latest state they the fresh Administration Authority ( Kronofogden ).
Likelihood of record out of non-commission
If your instance are given towards the Administration Authority, your exposure searching a record of non-percentage. Credit file organizations point details out of low-commission when they have received investigation regarding the Enforcement Power. UC and you may Kreditfakta was samples of credit file businesses.
When you are settling away from overseas
Will you be settling your home gadgets financing regarding a different country than Sweden? Discover different methods from commission according to in your geographical area. In some cases, the lending company cost you for handling the commission.
Installment out of home equipment money are to be built to CSN’s membership at the Danske Bank by using Bankgiro matter 5201-1053.
