Up to ent mortgage to own refugees who have been registered as a key part out of a civil refugee reception plan. The latest Swedish parliament has actually chose to terminate the option to make use of to own equipment funds, active . This means that you are no further able to get a house gizmos loan from CSN. When you yourself have become granted a house equipment financing, you are to carry on making costs on this subject financing because normal. Right here you can read throughout the paying off your house equipment loan.
Table regarding content material
- Focus towards the financing
- Repaying the home gizmos mortgage
- Tempting against a choice of the CSN
Desire with the mortgage
CSN charges appeal on the currency you borrow. When you look at the 2023, the rate try step one,seven %. The attention is actually calculated from the big date you can get the mortgage until you has paid down the entire personal debt. Thus when you pay the borrowed funds you both you need to repay the cash you’ve got plus the focus. The interest cannot be removed.
Repaying your house devices loan
You start paying back the borrowed funds 2 yrs just after first getting the money. It requires anywhere between 1 and you can 7 ages to repay the mortgage, depending on how much you borrowed. We’ll automatically give you investing-in the glides in case it is for you personally to installment loans no credit check Magnolia NC begin making repayments.
We’re going to upload step 3 investing-from inside the glides simultaneously. Everytime i post the brand new investing-into the glides, we will charges a notice payment out-of SEK 40. Which quantity so you’re able to all in all, SEK 120 a year. If you cannot spend your invoices timely, there are also to invest a reminder payment away from SEK 60.
You could start and come up with repayments before couple of years has passed, if you prefer. In such a case, purchase the newest using-inside the glides shortly after signing towards the Mina sidor Hemutrustningslan (My personal Pages Equipment loan) at .
You can even always generate overpayments on the mortgage. In this instance, alter the amount said towards the spending-in sneak. When you need to pay the whole financing in one fee, delight call us.
If you’re having trouble and make costs
If you find yourself having difficulty and come up with money on your financing, you might affect pay quicker or to spend absolutely nothing during the all for a season. CSN commonly costs focus, even though you aren’t and also make repayments into the loan. Thus, the debt would-be growing when you’re failing to pay.
If you fail to pay the loan
- We’ll give you an indication. You will then have to pay the newest SEK 60 note fee.
- If you can’t pay even after finding new note, we will send a separate indication next month, saying that we can cancel the mortgage getting immediate percentage.
- If you cannot spend, we’ll terminate the mortgage to possess immediate fee. You’ll then found a having to pay-within the sneak for the entire financial obligation. Due to the fact mortgage might have been ended, you no longer have the ability to apply for deferred fee.
- If you can’t shell out a loan which was ended, we may give new claim to this new Administration Authority ( Kronofogden ).
Threat of list regarding non-payment
In the event your instance is actually given into Administration Authority, your chance acquiring an eye on low-payment. Credit report businesses thing information from low-payment after they have obtained investigation about Enforcement Authority. UC and you will Kreditfakta try examples of credit report organizations.
When you find yourself paying down out of overseas
Are you repaying your house devices loan out-of another country than just Sweden? You’ll find various methods from fee based on your location. Oftentimes, the lending company cost you to have handling the percentage.
Fees from home equipment money can be designed to CSN’s account on Danske Lender by using Bankgiro count 5201-1053.