Up until ent loan to have refugees who had been joined as part of a municipal refugee reception plan. The new Swedish parliament have made a decision to terminate the option to utilize for home equipment financing, energetic . Thus youre not any longer in a position to submit an application for a home gadgets financing from CSN. For those who have become provided a home devices financing, you are to keep and work out repayments about this financing since the regular. Right here you can read regarding paying down your house devices loan.
Desk of information
- Attention to the loan
- Settling your house gizmos loan
- Appealing against a choice by the CSN
Attention with the loan
CSN costs focus to your money you use. Within the 2023, the pace was step one,eight %. The interest was computed regarding date you get the loan if you do not has actually repaid the complete debt. Thus after you pay back the borrowed funds the two of you you desire to repay the money you’ve got as well as the attract. The interest cannot be removed.
Paying the house gizmos mortgage
You begin repaying the borrowed funds 2 yrs once very first finding the cash. It will take anywhere between step 1 and you may seven many years to settle the loan, depending on how far you borrowed. We’re going to immediately send you spending-for the glides when it is time to start making repayments.
We’re going to post 3 using-during the slides at a time. Whenever i posting the new investing-in slides, we’ll costs an alerts commission of SEK 40. Which amounts in order to a total of SEK 120 per year. If you fail to shell out your own invoices punctually, you will also have to invest a reminder percentage regarding SEK 60.
You can start making costs before two years possess introduced, if you’d like. In this situation, acquisition the brand new investing-into the slides shortly after signing towards Mina sidor Hemutrustningslan (My personal Profiles Home equipment mortgage) only at .
You may want to choose make overpayments on your mortgage. In cases like this, replace the matter said to the investing-inside sneak. Should you want to pay the entire loan in one single commission, delight contact us.
If you are having problems while making repayments
Whenever you are having difficulty to make costs in your mortgage, you could potentially connect with spend reduced or to pay nothing in the all the to own a calendar year. CSN often fees interest, even though you are not and make money to your financing. As a result, your debt would be growing if you find yourself not paying.
If you fail to pay back the loan
- We’re going to deliver a note. You may then have to pay the fresh new SEK sixty indication fee.
- If you can’t pay even with receiving the new note, we shall upload an alternative indication next month, proclaiming that we could terminate installment loans for bad credit in Ontario California the borrowed funds to possess instantaneous payment.
- If you fail to shell out, we’re going to terminate the loan to own immediate fee. You may then discover a having to pay-into the slip for the whole financial obligation. As loan could have been ended, you will no longer manage to make an application for deferred percentage.
- If you’re unable to shell out a loan which was ended, we possibly may forward the fresh new claim to brand new Administration Authority ( Kronofogden ).
Chance of checklist from low-fee
Whether your situation was given towards Administration Power, your chance getting an eye on non-percentage. Credit file businesses thing details out-of non-commission once they have obtained analysis in the Administration Power. UC and Kreditfakta was types of credit history people.
When you are paying off off overseas
Will you be settling your residence devices loan away from a different country than simply Sweden? You’ll find different methods out of payment depending on your location. In many cases, the lending company cost you to have dealing with payment.
Payment out-of equipment funds can be built to CSN’s account at the Danske Financial that with Bankgiro matter 5201-1053.
