Up until ent loan to have refugees who have been registered as a key part away from a municipal refugee reception programme. The newest Swedish parliament provides made a decision to cancel the possibility to make use of to have home equipment finance, productive . This is why you are no further able to make an application for a house gizmos loan from CSN. For those who have been granted a home gizmos financing, you are to keep making payments with this financing once the typical. Here look for about settling your house devices mortgage.

Table out of content

• Attract on mortgage
• Paying off our home gizmos mortgage
• Tempting up against a choice from the CSN

Attention on the financing

CSN costs focus into money your borrow. In 2023, the pace was step 1,eight percent. The attention are calculated about big date you get the loan if installment loans no credit check Victoria you do not have paid the whole loans. This is why once you pay back the loan the two of you you need to repay the cash you’ve got together with attention. The interest can not be eliminated.

Paying down our home devices loan

You start paying back the borrowed funds a couple of years after earliest searching the cash. It will require between step 1 and you will 7 age to repay the mortgage, based on how far your debt. We’ll automatically deliver expenses-into the slips if it’s time and energy to begin making money.

We are going to posting step 3 using-during the glides at once. Each time we posting the investing-for the glides, we shall charge a notification fee away from SEK forty. So it numbers so you can a maximum of SEK 120 a year. If you can’t spend your own statements promptly, you will also have to spend an indication percentage away from SEK sixty.

You could begin and work out payments before 2 years possess introduced, if you need. In such a case, purchase the fresh new spending-when you look at the slips shortly after signing on the Mina sidor Hemutrustningslan (My personal Pages Equipment mortgage) at .

You’ll be able to choose to create overpayments on the mortgage. In this case, replace the matter mentioned towards the investing-inside the slip. If you’d like to pay the entire financing in one single payment, please call us.

When you are having problems to make money

If you’re having problems and work out costs on the financing, you can apply to spend smaller or perhaps to pay nothing at the all of the having a season. CSN often charges attract, even although you commonly making costs for the financing. As a result, the debt will be growing while failing to pay.

If you’re unable to pay the loan

1. We are going to send you a note. You may then have to pay the SEK 60 indication fee.
2. If you cannot shell out despite researching this new note, we shall posting a different indication the following month, saying that we are able to terminate the mortgage for immediate fee.
3. If you’re unable to shell out, we’re going to terminate the loan getting instantaneous payment. You’ll then discover a having to pay-inside slip for the whole personal debt. Once the mortgage could have been terminated, you will no longer have the ability to make an application for deferred payment.
4. If you fail to shell out a loan that has been terminated, we may submit brand new state they this new Enforcement Authority ( Kronofogden ).

Likelihood of number of low-percentage

In case your circumstances is actually passed on the Administration Expert, you exposure acquiring a record of low-commission. Credit report businesses question suggestions out-of non-commission once they have obtained studies from the Enforcement Authority. UC and you may Kreditfakta try examples of credit history companies.

Whenever you are repaying of abroad

Have you been paying your home gizmos financing off another country than simply Sweden? You can find different ways of fee based on in your geographical area. In many cases, the bank charge a fee for dealing with fee.

Cost from home equipment financing are to be designed to CSN’s membership at the Danske Lender that with Bankgiro amount 5201-1053.