Until ent mortgage for refugees have been inserted as part regarding a municipal refugee reception program. New Swedish parliament has actually made a decision to terminate the possibility to put on to have home equipment funds, energetic . This means that you are no further able to sign up for a home gizmos mortgage regarding CSN. When you have already been provided property devices loan, you are to keep and work out repayments with this financing since the typical. Right here you can read regarding the repaying your property equipment financing.
Desk away from content material
- Appeal into the financing
- Repaying our home products mortgage
- Appealing up against a choice by the CSN
Attention into the loan
CSN costs appeal into currency you acquire. Inside 2023, the speed try 1,seven %. The attention try computed regarding date you receive the mortgage unless you provides paid off the entire debt. This means that once you pay the borrowed funds both of you you desire to settle the money you’ve got plus the attention. The interest can’t be eliminated.
Paying off your house equipment loan
You start paying back the borrowed funds 2 years just after basic searching the bucks. It will take ranging from step 1 and you will eight decades to settle the borrowed funds, depending on how much your debt. We’re going to immediately give you spending-into the glides in case it is time for you to begin making money.
We are going to post step 3 spending-in the slides at once. Whenever we publish the fresh using-when you look at the slips, we will fees a notice percentage regarding SEK 40. Which wide variety to help you a maximum of SEK 120 a year. If you cannot shell out their statements promptly, there are also to expend a note fee out of SEK sixty.
You can start to make costs before a couple of years keeps passed, if you want. In this situation, purchase the spending-when you look at the netspend loan glides after logging towards Mina sidor Hemutrustningslan (My personal Pages Equipment mortgage) only at .
You may want to choose make overpayments on your financing. In cases like this, replace the amount mentioned into purchasing-during the sneak. If you want to repay the whole loan in one single fee, please e mail us.
When you are having problems and come up with payments
If you are having problems making payments in your mortgage, you can apply to pay reduced or to pay nothing on all of the for a calendar year. CSN usually fees interest, even though you aren’t and come up with repayments to the mortgage. As a result, the debt will be increasing whenever you are not paying.
If you cannot pay off the loan
- We shall give you an indication. You’ll then have to pay the latest SEK 60 note payment.
- If you fail to spend even with researching the new reminder, we’ll posting a new note the following month, proclaiming that we are able to terminate the loan to own instantaneous payment.
- If you’re unable to shell out, we are going to terminate the borrowed funds to have instant fee. You’ll then receive a spending-in the slip for the entire financial obligation. Because the financing might have been ended, you no longer have the ability to get deferred commission.
- If you can’t pay financing that has been terminated, we might send this new state they new Administration Expert ( Kronofogden ).
Risk of list out-of low-percentage
In the event your circumstances was given on Enforcement Authority, you risk acquiring an eye on non-payment. Credit report enterprises topic records of low-payment once they have received data from the Administration Power. UC and you will Kreditfakta is samples of credit history people.
Whenever you are repaying from overseas
Are you currently paying your house gadgets financing of another country than Sweden? Discover different ways from commission according to where you happen to live. Occasionally, the financial institution charge a fee for dealing with commission.
Cost out-of equipment loans will be built to CSN’s membership at Danske Financial by using Bankgiro amount 5201-1053.