When you need to begin making costs before or even make overpayments toward loan
Up to ent loan to possess refugees have been inserted as a key part away from a municipal refugee reception plan. The new Swedish parliament features decided to terminate the option to put on to own equipment loans, productive . Thus you are not any longer capable make an application for a property gizmos loan out-of CSN. When you yourself have come provided property devices mortgage, youre to keep to make money on this financing given that regular. Here look for regarding repaying your residence gadgets financing.
Desk regarding articles
- Interest towards the financing
- Settling your house gadgets financing
- Tempting up against a choice of the CSN
Interest with the loan
CSN charge focus for the currency you use. From inside the 2023, the interest rate try step 1,seven %. The interest is determined about date you will get the loan unless you has actually paid back the complete financial obligation. As a result after you pay the mortgage both of you you want to settle the money you got as well as the attract. The eye can’t be got rid of.
Paying off the home gizmos loan
You start repaying the borrowed funds couple of years immediately after basic receiving the money. It will take anywhere between step 1 and you may 7 decades to settle the borrowed funds, based on how far you owe. We will instantly send you paying-into the slides when it is time for you to begin making costs.
We’ll send 3 using-from inside the slips immediately. Each time we upload the fresh spending-within the glides, we are going to costs a notice payment away from SEK forty. So it amounts so you can a total of SEK 120 annually. If you’re unable to pay your bills promptly, you will also have to expend an indication fee away from SEK sixty.
You can begin and also make repayments just before a couple of years features introduced, if you would like. In such a case, order the brand new expenses-when you look at the glides once signing on Mina sidor Hemutrustningslan (My personal Users Equipment loan) at .
You may also like to generate overpayments on your mortgage. In this case, change the matter stated toward spending-during the slip. If you’d like to pay the complete loan in a single commission, excite e mail us.
While you are having problems and then make payments
If you are having difficulty making costs on the loan, you might connect with shell out faster or even to shell out nothing at the to have a calendar year. CSN usually costs appeal, even though you aren’t and make money to the mortgage. Thus, your debt is broadening if you find yourself not paying.
If you can’t pay-off the loan
- We are going to give you an indication. You may then need to pay the fresh SEK sixty reminder payment.
- If you fail to shell out even with acquiring the latest note, we’ll post a new note the following month, proclaiming that we are able to terminate the mortgage to possess quick commission.
- If you can’t pay, we will cancel the borrowed funds to possess instant commission. You will then receive a having to pay-into the sneak for the whole financial obligation. Since the mortgage could have been ended, so long as be able to sign up for deferred percentage.
- If you fail to pay financing which was ended, we possibly may send the claim to brand new Enforcement Expert ( Kronofogden ).
Likelihood of checklist off non-fee
In case your instance are given into the Enforcement Expert, you risk getting track of low-payment. Credit file companies question facts away from low-commission after they have received investigation about Administration Expert. UC and Kreditfakta is actually samples of credit history enterprises.
When you are repaying out of overseas
Are you currently paying your residence devices financing out-of another country than simply Sweden? You can find different methods out of fee depending on where you happen to live. Occasionally, the lending company ask you for having handling the fee.
Payment from equipment loans are to be built to CSN’s membership at the Danske Financial by using Bankgiro count 5201-1053.