If you want to begin making repayments earlier or to make overpayments to your mortgage

Up until ent loan to own refugees have been inserted as an ingredient off a civil refugee lobby program. The brand new Swedish parliament provides made a decision to cancel the option to put on having equipment finance, productive . This means that you are don’t able to make an application for property equipment loan of CSN. When you yourself have become supplied a house gadgets financing, youre to continue to make costs on this financing because regular. Right here you can read on the repaying your property gadgets financing.

Dining table off content material

• Attract on loan
• Settling your house equipment mortgage
• Appealing facing a decision from the CSN

Attention with the financing

CSN charges focus on money you acquire. In the 2023, the pace is actually step one,eight per cent. The eye is calculated on the big date obtain the mortgage if you don’t enjoys repaid the whole obligations. Because of this after you pay off the borrowed funds both of you need to settle the bucks you have and also the attention. The attention can’t be got rid of.

Settling our home gadgets loan

You start trying to repay the mortgage couple of years once earliest acquiring the money. It will require between step one and you can seven many years to settle the loan, based on how far you borrowed from. We’re going to automatically deliver expenses-in the glides if it is for you personally to begin making costs.

We shall publish 3 spending-for the slips simultaneously. Every time i posting the latest purchasing-when you look at the slides, we will costs a notification payment out of SEK 40. That it numbers to a total of SEK 120 per year. If you’re unable to pay their bills on time, there are also to expend an indication percentage off SEK 60.

You could start and make repayments just before two years has actually enacted, if you’d like. In this case, order the fresh new investing-for the slips immediately after logging toward Mina sidor Hemutrustningslan (My personal Pages Home equipment loan) at .

You may choose generate overpayments on the mortgage. In this case, change the amount stated to your using-in the slip. If you want to pay the whole financing in a single fee, excite contact us.

Whenever you are having problems and come up with money

Whenever you are having difficulty making costs in your financing, you can apply why line of credit is bad at pay reduced or perhaps to shell out nothing from the all the to have a calendar year. CSN often fees appeal, even though you are not and make costs on the financing. Consequently, the debt might possibly be increasing whenever you are not paying.

If you’re unable to pay back the loan

1. We’ll send you a note. You may then have to pay the newest SEK 60 note percentage.
2. If you cannot shell out even with researching the newest note, we will publish an alternative reminder the following month, proclaiming that we are able to cancel the mortgage to possess instantaneous commission.
3. If you fail to shell out, we’re going to terminate the mortgage having quick payment. You may then found a paying-for the sneak for the whole personal debt. Since financing could have been terminated, so long as manage to submit an application for deferred commission.
4. If you cannot pay that loan that has been ended, we could possibly pass the fresh state they the brand new Administration Authority ( Kronofogden ).

Likelihood of record regarding non-payment

If your instance was handed for the Administration Power, you chance getting a record of non-commission. Credit file companies thing ideas away from non-commission after they have obtained research on the Administration Power. UC and you will Kreditfakta try examples of credit history organizations.

If you’re paying down of overseas

Have you been settling your home devices mortgage out of another country than simply Sweden? You can find different ways out-of fee according to your location. In some cases, the financial institution charge a fee to possess handling the percentage.

Payment from equipment fund should be designed to CSN’s membership at the Danske Financial by using Bankgiro matter 5201-1053.