If you would like begin making payments before or perhaps to create overpayments with the mortgage

Up to ent loan to own refugees who had been registered as part from a municipal refugee reception programme. This new Swedish parliament has actually made a decision to cancel the choice to put on to own home equipment money, effective . As a result youre no more able to make an application for a property gizmos financing out-of CSN. For those who have already been provided a home equipment financing, you are to carry on making costs about this financing as the regular. Here you can read in the paying off your house devices loan.

Desk regarding information

• Attract towards financing
• Paying off your house products loan
• Enticing facing a choice because of the CSN

Interest into the financing

CSN charge desire for the currency you borrow. Inside 2023, the rate is step 1,eight percent. The attention try calculated regarding the time you get the borrowed funds until you provides paid back the complete loans. This is why when you repay the mortgage you both you need to repay the money you got plus the attention. The interest can’t be got rid of.

Paying off your house gadgets financing

You begin trying to repay the loan 2 years once earliest finding the cash. It entails anywhere between step one and you may 7 many years to repay the loan, based on how much your debt. We are going to immediately deliver expenses-in glides when it is time for you to begin making money.

We’re going to upload 3 using-during the slides simultaneously. Anytime i upload the new expenses-in the glides, we will charge a notice payment out-of SEK forty. This amounts so you can a maximum of SEK 120 per year. If you’re unable to shell out your bills promptly, you will also have to invest a note payment from SEK 60.

You could begin and make payments before couple of years enjoys enacted, if you like. In this instance, order new spending-into the slips immediately after signing into the Mina sidor Hemutrustningslan (My personal Users Home equipment financing) here at .

You can also prefer to create overpayments on your own loan. In such a case, replace the matter mentioned to your investing-from inside the slip. If you wish to pay back the whole loan in a single fee, delight contact us.

If you find yourself having trouble and work out money

When you find yourself having trouble and make costs on your loan, you could affect spend shorter or even to pay little in the all to have a twelve months. CSN tend to costs notice, even although you commonly and come up with money on financing. Thus, your debt could be expanding when you’re not paying.

If you fail to pay the loan

1. We are going to give you a note. You may then have to pay the new SEK 60 reminder commission.
2. If you’re unable to spend even after finding the reminder, we are going to posting a unique note next month, stating that we can terminate the loan for instant percentage.
3. If you fail to spend, we’re going to cancel the borrowed funds to possess instantaneous payment. You will then located a paying-inside slip for the whole loans. Due to the fact mortgage might have been ended, you no longer manage to submit an application for deferred percentage.
4. If you fail to shell out that loan which had been terminated, we might submit new state they the new Enforcement Power ( Kronofogden ).

Likelihood of number of low-payment

In the event your circumstances is passed into the Enforcement Power, your exposure receiving track of low-payment. Credit file enterprises thing ideas out of non-percentage once they have received studies throughout the Enforcement Expert. UC and you will Kreditfakta try samples of credit file businesses.

If you’re repaying off overseas

Could you be paying down your home devices mortgage out-of a different country than simply Sweden? You can find different methods from payment based on your area. Sometimes installment loans in Blue Springs, the financial institution ask you for to have handling the fee.

Cost from home equipment financing will be built to CSN’s membership in the Danske Financial by using Bankgiro count 5201-1053.