If you want to start making payments before or even generate overpayments to the financing

Up to ent financing getting refugees who had been entered as an ingredient out-of a civil refugee reception plan. The Swedish parliament features made a decision to cancel the option to make use of to own home equipment funds, productive . Consequently you are don’t capable get a home gizmos financing regarding CSN. When you yourself have become provided a home devices loan, you are to keep and come up with payments about this mortgage as the normal. Right here look for on paying your home gizmos loan.

Dining table out of contents

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  • Focus into the financing
  • Paying down the house gadgets financing
  • Appealing against a decision from the CSN

Focus towards loan

CSN costs attract on the money your use. During the 2023, the rate is actually step one,eight %. The attention is actually determined regarding go out you receive the borrowed funds until you keeps paid down the entire loans. This means that when you pay off the loan both of you you prefer to repay the money you got while the focus. The attention can’t be eliminated.

Paying your house devices mortgage

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You begin repaying the borrowed funds two years immediately following earliest acquiring the money. It will require between step 1 and seven decades to settle the borrowed funds, based on how far you owe. We will instantly deliver spending-inside slips when it is time for you begin making payments.

We will send step three investing-during the slips at the same time. Each and every time we posting this new expenses-within the slides, we will costs a notification fee out-of SEK forty. Which number in order to a maximum of SEK 120 a year. If you’re unable to spend your own statements on time, then there are to expend a reminder commission of SEK 60.

You can begin and work out costs just before 24 months has introduced, if you’d like. In cases like this, acquisition the fresh new paying-when you look at the slips once logging on Mina sidor Hemutrustningslan (My personal Users Equipment mortgage) here at .

You can also always make overpayments in your mortgage. In cases like this, alter the amount stated to the using-in the slip. If you’d like to pay back the whole financing in one single percentage, please contact us.

Whenever you are having problems and make repayments

If you’re having problems and also make costs on your own financing, you could potentially connect with spend faster or even pay absolutely nothing at all the getting a twelve months. CSN commonly costs attract, even although you are not and make costs into the financing. This means that, the debt will be expanding if you are not paying.

If you cannot pay-off your loan

  1. We’re going to deliver a note. You may then have to pay the new SEK sixty indication payment.
  2. If you can’t pay despite finding the fresh new indication, we’ll post yet another reminder the following month, proclaiming that we are able to cancel the borrowed funds to have quick commission.
  3. If you cannot pay, we are going to terminate the mortgage to own instant fee. You’ll then discovered a spending-in the slip for the entire financial obligation. While the financing could cashadvanceamerica.net loans for college students with bad credit have been terminated, you will no longer manage to sign up for deferred percentage.
  4. If you can’t pay a loan which was ended, we might give the fresh new state they the fresh new Administration Authority ( Kronofogden ).

Danger of listing from low-payment

If for example the case is passed to the Administration Expert, you chance choosing tabs on non-payment. Credit report companies material ideas away from low-fee once they have obtained research throughout the Enforcement Authority. UC and you may Kreditfakta was examples of credit report people.

When you find yourself repaying away from overseas

Are you presently repaying your home gadgets mortgage regarding a different country than just Sweden? Discover different methods out of payment depending on your location. Sometimes, the bank cost you to possess handling the fee.

Payment out of home equipment financing will be designed to CSN’s membership at the Danske Bank that with Bankgiro matter 5201-1053.


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