Up to ent loan for refugees have been inserted as a key part regarding a civil refugee lobby program. The Swedish parliament features made a decision to terminate the possibility to installment loans for bad credit Bakersfield utilize to own equipment fund, effective . As a result you are no longer able to make an application for property gizmos financing out of CSN. If you have become supplied a home devices mortgage, youre to carry on making costs on this financing since regular. Here look for in the paying off your home gizmos mortgage.
Desk off content material
- Focus on the financing
- Paying off our home equipment financing
- Enticing up against a choice of the CSN
Interest for the loan
CSN costs desire to your money you obtain. Within the 2023, the rate are step one,eight percent. The attention are calculated in the go out you obtain the mortgage if you don’t keeps paid off the complete personal debt. Consequently after you pay off the mortgage both of you you desire to settle the cash you’ve got and also the attract. The interest can’t be eliminated.
Paying off our home gadgets loan
You start repaying the loan a couple of years immediately following first getting the bucks. It needs anywhere between step 1 and you may seven many years to repay the loan, depending on how far you borrowed from. We are going to instantly send you expenses-in slides in case it is for you personally to begin making payments.
We shall publish step 3 paying-during the glides at a time. Every time i send the brand new paying-into the slides, we are going to fees an alerts payment of SEK 40. That it number so you’re able to a total of SEK 120 per year. If you’re unable to spend the bills promptly, you will also have to spend a note payment of SEK sixty.
You could begin to make costs in advance of 2 years has introduced, if you like. In cases like this, purchase the purchasing-in the glides after logging towards Mina sidor Hemutrustningslan (My personal Profiles Equipment financing) here at .
You may want to choose build overpayments on your own mortgage. In such a case, alter the count stated on expenses-in the sneak. If you’d like to pay-off the whole mortgage in one single percentage, excite e mail us.
While having difficulty and work out repayments
If you’re having trouble and work out repayments on your financing, you could potentially apply at shell out reduced or to shell out nothing during the most of the to own a twelve months. CSN usually charge attention, even if you are not while making money on loan. As a result, the debt could well be increasing while you are failing to pay.
If you can’t pay off the loan
- We are going to give you an indication. You’ll then have to pay the new SEK 60 indication fee.
- If you fail to spend even after choosing brand new indication, we will upload yet another indication the following month, proclaiming that we could cancel the mortgage having immediate fee.
- If you can’t pay, we shall cancel the mortgage to have quick fee. You may then found a paying-from inside the sneak for your loans. Since the mortgage could have been ended, so long as be able to make an application for deferred fee.
- If you cannot shell out financing that has been ended, we possibly may submit new state they the fresh new Administration Authority ( Kronofogden ).
Risk of listing from low-commission
When your situation are given towards the Enforcement Expert, your risk choosing monitoring of non-payment. Credit file companies procedure records of low-commission once they have received study regarding the Enforcement Expert. UC and you will Kreditfakta try samples of credit history people.
When you’re paying down regarding abroad
Are you currently repaying your property gizmos financing from a different country than Sweden? You can find different ways away from payment according to in your geographical area. In some cases, the lending company cost you having dealing with percentage.
Cost from home equipment money can be made to CSN’s account on Danske Lender that with Bankgiro matter 5201-1053.
