Until ent mortgage to possess refugees who had been registered as an ingredient away from a civil refugee reception plan. New Swedish parliament keeps decided to terminate the possibility to use to possess equipment fund, active . This is why youre don’t able to apply for a house products mortgage from CSN. When you yourself have already been supplied a property products loan, you are to continue and make repayments on this subject mortgage once the normal. Right here you can read about repaying your home products financing.
Table of content
- Focus into the mortgage
- Repaying the home equipment mortgage
- Appealing against a choice of the CSN
Attract on the loan
CSN costs desire on currency you obtain. Inside 2023, the pace was step 1,eight percent. The attention try determined on go out you obtain the mortgage if you don’t provides repaid the whole obligations. This means that after you pay off the loan the two of you need to repay the cash you got additionally the desire. The interest cannot be eliminated.
Repaying your house products financing
You begin repaying the mortgage 24 months once basic getting the cash. It needs anywhere between step 1 and eight years to settle the loan, based on how far you borrowed from. We will immediately give you spending-in glides if it’s time for you to start making costs.
We shall post step 3 expenses-within the slips immediately. Everytime i posting the fresh spending-into the glides, we will fees a notification payment from SEK 40. This number in order to all in all, SEK 120 per year. If you can’t spend your own invoices on time, then there are to pay an indication fee of SEK 60.
You could begin and make repayments before couple of years has enacted, if you’d like. In this instance, purchase the new paying-in the glides immediately after signing to the Mina sidor Hemutrustningslan (My personal Pages Equipment loan) here at .
You may also will make overpayments on the financing. In this situation, alter the matter stated towards purchasing-when you look at the sneak. If you wish to pay off the complete mortgage in one single find out here payment, delight e mail us.
While you are having trouble and make money
When you find yourself having difficulty while making repayments on your own loan, you could potentially apply at shell out less or perhaps to shell out absolutely nothing from the the to have a twelve months. CSN usually charges focus, even if you are not and make money for the loan. As a result, your debt would be growing if you find yourself failing to pay.
If you cannot repay your loan
- We shall give you a reminder. You may then have to pay the newest SEK 60 indication commission.
- If you cannot shell out even with acquiring the latest reminder, we will upload a unique indication next month, stating that we could cancel the borrowed funds to possess instant payment.
- If you fail to pay, we’ll cancel the borrowed funds getting instant fee. You will then discover a having to pay-during the sneak for the entire loans. Given that loan could have been terminated, so long as be able to get deferred percentage.
- If you’re unable to pay that loan that has been ended, we may forward the state they brand new Enforcement Expert ( Kronofogden ).
Danger of record away from non-commission
In case your case is passed into the Enforcement Authority, you chance getting monitoring of non-commission. Credit history organizations point ideas of low-payment after they have received study from the Administration Power. UC and you will Kreditfakta are types of credit history people.
If you find yourself paying away from abroad
Are you repaying your residence devices loan of another country than just Sweden? Discover various methods off percentage according to where you happen to live. In some instances, the lending company ask you for to own dealing with percentage.
Fees out-of equipment finance should be built to CSN’s account during the Danske Bank that with Bankgiro count 5201-1053.