Until ent loan for refugees who had been inserted as an ingredient from a municipal refugee lobby programme. The brand new Swedish parliament have chose to terminate the choice to make use of to possess home equipment loans, effective . This is why youre not able to make an application for a house gadgets loan off CSN. When you yourself have started provided a house devices mortgage, youre to carry on and come up with money about mortgage while the typical. Right here look for throughout the repaying your property products mortgage.
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- Notice towards financing
- Repaying our home gizmos mortgage
- Enticing against a decision from the CSN
Desire into financing
CSN fees attention to your currency your obtain. Inside the 2023, the speed are step 1,eight percent. The eye try determined regarding day you receive the borrowed funds if you don’t enjoys reduced the complete loans. Consequently after you pay-off the loan both of you you want to repay the money you got additionally the appeal. The eye can not be removed.
Paying off your house equipment mortgage
You start repaying the mortgage couple of years after basic searching the money. It entails anywhere between 1 and you will 7 many years to repay the borrowed funds, depending on how far you borrowed. We shall immediately deliver purchasing-during the glides in case it is for you personally to begin making payments.
We will upload 3 paying-when you look at the slips at a time. Anytime we send the brand new paying-inside the slides, we will costs an alerts fee from SEK 40. Which numbers so you’re able to all in all, SEK 120 a-year. If you’re unable to pay your own bills on time, then there are to blow a note commission out-of SEK 60.
You can start and come up with repayments before 24 months keeps passed, if you want. In such a case, buy the fresh new using-from inside the slips once logging into Mina sidor Hemutrustningslan (My personal Users Equipment loan) here at .
You may like to generate overpayments on your loan. In this situation, replace the number mentioned to the investing-from inside the sneak. When you need to pay-off the complete loan in one single percentage, excite contact us.
When you’re having problems and work out repayments
While having problems and come up with payments on the financing, you could apply to pay smaller or even spend little during the every for a twelve months. CSN will costs desire, even if you aren’t and work out repayments on mortgage. Because of this, the debt is expanding when you’re failing to pay.
If you can’t pay back the loan
- We’ll send you a reminder. You may then have to pay the new SEK sixty reminder percentage.
- If you cannot pay despite choosing new indication, we’re going to send yet another reminder the following month, proclaiming that we could cancel the loan to have instant commission.
- If you fail to shell out, we will terminate the borrowed funds to possess immediate percentage. You will then found a paying-within the sneak for the entire personal debt. Because the loan might have been terminated, you no longer be able to apply for deferred fee.
- If you’re unable to spend that loan which had been ended, we could possibly pass brand new state they the newest Administration Authority ( Kronofogden ).
Danger of number of low-commission
In the event the case try passed into the Administration Power, you chance receiving track of low-payment. Credit file people question facts from non-payment once they have obtained data on the Enforcement Authority. UC and Kreditfakta try examples of credit report organizations.
If you find yourself paying out-of overseas
Are you settling your residence gizmos financing out-of a different country than simply Sweden? There are various methods away from payment according to where you live. In many cases, the bank ask you for to possess dealing with percentage.
Repayment away from home equipment financing are to be designed to CSN’s membership in the Danske Lender that with Bankgiro number 5201-1053.
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