If you wish to start making repayments earlier or even to make overpayments for the financing
Up to ent financing to possess refugees have been joined as part regarding a municipal refugee reception plan. The fresh new Swedish parliament enjoys made a decision to cancel the possibility to utilize having equipment fund, energetic . This is why you are no further able to sign up for a property equipment mortgage off CSN. For those who have started granted property gadgets mortgage, you are to carry on and work out money on this subject financing since normal. Here you can read regarding the repaying your home devices loan.
Desk regarding content material
- Attract on financing
- Repaying the home equipment mortgage
- Enticing up against a decision because of the CSN
Desire towards financing
CSN charges focus with the money you use. Inside the 2023, the speed is actually step one,7 per cent. The attention was computed regarding the go out you obtain the mortgage until you has repaid the whole debt. Thus once you repay the borrowed funds the two of you you desire to settle the cash you have got therefore the attention. The interest can not be removed.
Settling the house gadgets loan
You begin repaying the loan 24 months once basic receiving the bucks. It needs between step one and eight many years to settle the borrowed funds, depending on how far you borrowed. We’re going to immediately give you paying-during the slips when it is time for you begin making costs.
We are going to send step three using-into the slips at once. Everytime i send brand new purchasing-when you look at the slides, we’ll charges an alerts payment out-of SEK forty. That it numbers so you can a maximum of SEK 120 annually. If you fail to spend your statements timely, then there are to spend an indication payment out of SEK 60.
You could begin and then make payments just before 24 months enjoys introduced, if you want. In this situation, order new expenses-within the slips shortly after signing toward Mina sidor Hemutrustningslan (My Pages Equipment loan) here at .
You can even love to create overpayments on your loan. In cases like this, change the amount said to the spending-when you look at the slip. If you’d like to pay-off the whole loan in one commission, delight e mail us.
While you are having difficulty and come up with costs
When you are having trouble to make money in your loan, you could affect spend shorter or perhaps to pay absolutely nothing during the every getting a calendar year. CSN commonly charges attract, even if you commonly to make costs to your loan. Consequently, your debt would-be growing whenever you are not paying.
If you cannot pay your loan
- We’ll give you an indication. You may then need to pay the new SEK sixty indication fee.
- If you can’t pay despite searching the brand new reminder, we are going to posting a different reminder the following month, saying that we could cancel the mortgage for quick commission.
- If you cannot shell out, we’ll cancel the mortgage to possess instantaneous percentage. You will then receive a spending-from inside the slip for your personal debt. Just like the financing could have been ended, you will no longer manage to sign up for deferred fee.
- If you can’t spend financing that has been ended, we would submit the latest claim to the brand new Administration Authority ( Kronofogden ).
Threat of list regarding non-commission
In the event your situation is over here given toward Enforcement Authority, your exposure finding an eye on low-percentage. Credit history companies material facts out of low-fee when they have obtained investigation on Administration Expert. UC and you may Kreditfakta was types of credit file enterprises.
When you are repaying of overseas
Will you be settling your house gizmos loan out of a different country than Sweden? You can find different ways regarding percentage dependent on your location. Sometimes, the financial institution charge you getting handling the fee.
Repayment away from equipment loans should be made to CSN’s membership in the Danske Bank that with Bankgiro matter 5201-1053.
