Must i very use the money from a house Guarantee Loan TB to have something?

The complete level of property Equity Mortgage TB was an excellent financing for the purpose, meaning that there aren’t any requirements so you can document one mission and the money from our home Equity Financing TB may be used at the sole discretion. Really the only exclusion are a situation if you use your house collateral mortgage to repay almost every other loans in cases like this you must pay off people funds and you can people remaining part of the financing may be used when it comes down to objective.

What’s the difference between the user loan TB and the Household guarantee loan TB ?

The consumer Mortgage TB that loan with an interest rates of 5.nine % p. a beneficial. and you can readiness months maximum. 8 years,

Your house Security Financing TB a loan with an intention rate away from 2.59 % p. good. which have 1 year obsession and you will readiness twenty years.

Am i able to pay off the home Security Financing TB very early?

Sure, the home Security Loan TB is generally paid very early, also in the place of a charge, into the day of your stop of one’s fixed-attract months. A consumer may also render an amazing deposit one per year as much as brand new 20 % of your own mortgage prominent free from any charge. Plus those two selection, the costs away from very early installment ought not to surpass step 1 % of your own early reduced amount for the houses financing.

Just what requirements do I have to fulfill basically have to capture property Collateral Mortgage TB ?

• lowest many years 18 years,
• documentation regarding newest online month-to-month income from five hundred EUR or higher,
• financing as much as as much 80 % of one’s bound possessions,
• maximum cost age 20 years,
• a substitute for explore an element of the mortgage to invest charge (loan percentage and you may making certain specialist review of your own flat by way of Tatra banka),
• pledging of your own homes assets because the defense.

Can there be people insurance policies available if i am struggling to pay off https://paydayloancolorado.net/louviers/ your house Security Financing TB ?

Sure, there was. From inside the cooperation into the UNIQA insurance provider you can plan the following through cellphone provider Dialog Real time or perhaps in Tatra banka branch:

• insurance coverage of your capability to pay-off a loan, which will make you confidence in case of unforeseen incidents you to usually stop you from continued to repay the mortgage,
• assets insurance as possible program considering your needs.

What are the fixed rate of interest selection of the property Collateral Loan TB ?

The option of a predetermined interest rate can be acquired for 1, dos, step 3, 5, seven and you may 10 years or the entire loan repayment months.

At least a few months before the end of one’s fixed attention speed period we’re going to get in touch with your on paper and enable you to understand new interest and the the fresh fixed interest period. You could decide, whether or not your:

• undertake this new interest rate additionally the repaired-price period,
• deal with the offer to increase or reduce the brand new fixed-price period together with related interest rate.

How does the brand new consultation within the Tatra banka proceed whenever drawing the fresh new mortgage? What are the results at very first appointment?

Appointment ‘s the first faltering step to find the loan. Plan a night out together for your appointment via Dialog Real time *1100. The financial lenders try borrowing masters. You will learn towards done offer of financing facts in the the first meeting and then it would be your responsibility to combine the financing to suit your brand new home, car finance, cottage or property refurbishment.