If you wish to start making money earlier or perhaps to make overpayments toward loan

Up until ent mortgage getting refugees who were entered as a key part away from a municipal refugee reception plan. The fresh new Swedish parliament has actually decided to terminate the option to use for equipment money, energetic . Because of this you are no further in a position to sign up for a house gizmos loan of CSN. If you have started supplied a home products mortgage, youre to keep and also make repayments about financing since normal. Here you can read from the settling your house devices loan.

Desk out of contents

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  • Desire with the mortgage
  • Repaying the house devices financing
  • Enticing up against a decision from the CSN

Interest on financing

CSN costs desire to the money you borrow. Into the 2023, the pace is step 1,eight %. The eye are calculated about go out obtain the borrowed funds if you do not keeps repaid the entire financial obligation. Because of this when you repay the borrowed funds both of you you need to settle the cash you have while the attention. The interest can’t be eliminated.

Paying off our home gadgets financing

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You start paying back the mortgage 2 years immediately following first getting the cash. It will require ranging from step one and eight years to repay the borrowed funds, based on how much your debt. We are going to automatically give you using-into the slips in case it is time and energy to begin making repayments.

We shall posting 3 expenses-within the slips simultaneously. Whenever we publish new spending-inside the glides, we will costs a notice percentage from SEK forty. This quantity to a total of SEK 120 per year. If you fail to shell out the invoices on time, then there are to pay a reminder percentage regarding SEK sixty.

You could begin making costs before 2 yrs keeps introduced, if you want. In such a case, acquisition the spending-during the slides just after logging on the Mina sidor Hemutrustningslan (My Pages Equipment mortgage) at .

You can even always build overpayments on your mortgage. In such a case, alter the count mentioned into purchasing-within the slip. If you wish to pay-off the complete mortgage in a single payment, delight e mail us.

When you’re having problems and work out payments

If you’re having problems and come up with money on the financing, you could affect spend less or to spend nothing from the every to own a twelve months. CSN usually fees desire, even though you aren’t and make money into the financing. This means that, your debt might possibly be broadening if you’re failing to pay.

If you cannot pay off the loan

  1. We shall give you a note. You will then need to pay new SEK sixty indication fee.
  2. If you fail to spend despite researching brand new indication, we shall upload another type of indication the following month, stating that we are able to cancel the mortgage getting instant fee.
  3. If you can’t spend, we will cancel the loan to have quick payment. You may then discovered a paying-during the slip for your debt. Given that financing could have been ended, you no longer manage to sign up for deferred payment.
  4. If you’re unable to spend that loan which was terminated, we might give the new claim to new Enforcement Expert ( Kronofogden ).

Likelihood of list of non-fee

Whether your case are handed into Administration Power, you risk researching a record of low-fee. Credit report organizations issue ideas out of low-commission when they have obtained analysis regarding the Administration Authority. UC and you may Kreditfakta is examples of credit report enterprises.

While you are paying from abroad

Are you presently paying off your property devices mortgage from another country than Sweden? You’ll find various methods from payment dependent on where you happen to live. In some cases, the financial institution charge you getting dealing with fee.

Cost of home equipment money can be designed to CSN’s account on Danske Financial that with Bankgiro count 5201-1053.