Up until ent financing to possess refugees who were registered as a key part of a municipal refugee reception plan. The new Swedish parliament has made a decision to terminate the option to use to have equipment money, energetic . This is why youre no more capable submit an application for a house equipment mortgage out-of CSN. For those who have been granted a home equipment loan, youre to carry on to make repayments with this loan due to the fact normal. Here look for from the repaying your home devices financing.
Dining table out of material
- Notice with the loan
- Paying down your house gizmos mortgage
- Tempting up against a choice because of the CSN
Appeal to your financing
CSN fees appeal to the money your use. Inside the 2023, the rate is actually 1,eight per cent. The attention try determined about date you obtain the mortgage if you do not provides repaid the entire loans. This means that once you pay-off the borrowed funds you both you prefer to settle the bucks you’ve got and attract. The eye can not be got rid of.
Paying your house products financing
You begin paying back the borrowed funds 24 months immediately after first choosing the cash. It will require between 1 and you will eight ages to repay the borrowed funds, based on how much you borrowed from. We’re going to immediately deliver spending-inside the slides in case it is time for you start making repayments.
We will upload step 3 spending-inside the slides simultaneously. Each time we publish new spending-from inside the slides, we’ll charge a notification percentage out-of SEK 40. That it amounts so you can a total of SEK 120 a-year. If you can’t spend your invoices punctually, there are also to pay an indication percentage of SEK sixty.
You could start and then make repayments ahead of a couple of years provides enacted, if you’d like. In such a case, order the new using-in slides after logging toward Mina sidor Hemutrustningslan (My personal Users Home equipment financing) here at .
You may also love to make overpayments on the financing. In this instance, replace the number stated on the using-in sneak. Should you want to pay off the entire financing in one single fee, please e mail us.
If you are having difficulty and make money
If you’re having problems and then make repayments on your own loan, you could apply at spend smaller or even pay little in the every to possess a twelve months. CSN often charge interest, even if you commonly and then make costs towards loan. This means that, the debt might possibly be growing if you’re not paying.
If you cannot pay your loan
- We shall deliver an indication. You may then have to pay the latest SEK sixty note fee.
- If you’re unable to pay even with receiving the fresh new reminder, we shall upload a different reminder next month, saying that we can cancel the loan to own instantaneous commission.
- If you fail to shell out, we’ll cancel the mortgage to possess instant commission. You may then located a paying-into the slip for the entire debt. As the loan might have been terminated, you no longer have the ability to apply for deferred payment.
- If you can’t pay financing which had been terminated, we possibly may send the fresh new claim to new Administration Authority ( Kronofogden ).
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Risk of list regarding non-percentage
When your instance is actually handed with the Enforcement Expert, you exposure searching tabs on low-fee. Credit report organizations issue information from low-fee once they have received investigation throughout the Enforcement Power. UC and you can Kreditfakta is samples of credit report businesses.
While you are paying off off overseas
Are you paying your property gizmos loan out-of a different country than just Sweden? Discover various methods off payment according to where you live. In many cases, the bank cost you getting dealing with payment.
Cost from home equipment funds can be designed to CSN’s membership from the Danske Financial by using Bankgiro amount 5201-1053.