Up until ent mortgage to own refugees who had been inserted as an ingredient regarding a civil refugee reception plan. The brand new Swedish parliament keeps decided to cancel the possibility to utilize for equipment financing, energetic . Consequently youre not any longer able to apply for a home gadgets financing out of CSN. If you have been supplied property devices loan, youre to keep and come up with repayments on this subject financing because the normal. Right here you can read from the paying your house equipment financing.

Table out-of contents

• Notice towards the financing
• Paying the house equipment mortgage
• Enticing against a decision because of the CSN

Attract to your financing

CSN charge interest on the money you borrow. For the 2023, the speed is actually step 1,eight per cent. The interest is computed on the day you get the loan if you do not has repaid the entire financial obligation. This means that once you pay off the loan you both you prefer to settle the cash you got and notice. The attention can not be removed.

Repaying our home devices mortgage

You start trying to repay the mortgage 2 yrs after very first searching the bucks. It requires anywhere between step one and you will eight ages to settle the borrowed funds, depending on how much you borrowed. We’ll instantly deliver using-into the slips if it’s time to start making money.

We will publish step three using-for the glides at the same time. Whenever i upload the paying-within the slips, we are going to charges a notice percentage away from SEK 40. This quantity so you can all in all, SEK 120 a year. If you can’t pay your invoices punctually, you will also have to spend an indication fee out-of SEK sixty.

You could begin and come up with money prior to two years has enacted, if you prefer. In this case, order the brand new expenses-in the slides after signing toward Mina sidor Hemutrustningslan (My Users Equipment mortgage) only at .

You’ll be able to choose to create overpayments on your own mortgage. In this situation, change the amount said on expenses-from inside the slip. Should you want to pay the entire loan in one single commission, please call us.

When you’re having trouble while making payments

When you are having problems and also make money on your financing, you could apply to pay reduced or perhaps to shell out absolutely nothing at the to own a twelve months. CSN commonly costs notice, even if you aren’t to make money towards financing. Because of this, your debt would be expanding if you are not paying.

If you fail to pay back your loan

1. We are going to send you an indication. You may then need to pay the latest SEK sixty indication fee.
2. If you cannot spend despite choosing new note, we’ll publish a special indication the following month, stating that we can terminate the mortgage to possess instantaneous percentage.
3. If you can’t pay, we’ll terminate the loan to have instant payment. You’ll then located a paying-inside sneak for the whole obligations. As the loan could have been terminated, you no longer manage to make an application for deferred percentage.
4. If you fail to shell out a loan that has been ended, we would forward new claim to new Administration Power ( Kronofogden ).

Danger of list out-of non-fee

If the circumstances try passed towards Enforcement Authority, you chance finding a record of low-commission. Credit report enterprises material facts of low-fee once they have received investigation throughout the Enforcement Expert. UC and you may Kreditfakta try samples of credit history people.

When you what is interest rate on student loans are paying off regarding abroad

Are you paying your home devices mortgage regarding another country than just Sweden? You can find different methods from fee dependent on in your geographical area. Oftentimes, the bank charge a fee to have dealing with commission.

Repayment off equipment financing will be built to CSN’s account during the Danske Financial that with Bankgiro number 5201-1053.