The consumer Financing TB as well as the Domestic Equity Loan TB disagree in two important details, particularly maturity and you can rate of interest:

Ought i most make use of the money from a house Collateral Mortgage TB to possess one thing?

The complete number of a property Security Mortgage TB try a beneficial loan when it comes to objective, for example there are not any standards to file one objective while the funds from our home Security Mortgage TB can be used at the sole discretion. The only real exclusion try a position if you are using the home security mortgage to repay most other loans in such a case you need to repay those individuals finance and you may any leftover part of the mortgage can be used for the mission.

What’s the difference between an individual loan TB plus the Home security mortgage TB ?

The user Mortgage TB that loan with an interest rates from 5.nine % p. an excellent. and you will readiness period maximum. 8 many years,

Your house Equity Loan TB that loan with an interest rates regarding dos.59 % p. an excellent. with one year obsession and you will readiness two decades.

Could i pay off the house Guarantee Financing TB early?

Sure, the house Collateral Mortgage TB are paid back very early, even without a fee, into the date of your own prevent of your own repaired-attention months. A customer also can give an extraordinary put one time per year to brand new 20 % of the financing prominent free from any fees. And these two options, the expenses out of very early installment must not meet or exceed step one % of the very early paid count toward casing financing.

Exactly what conditions do I must meet if i need certainly to capture a house Guarantee Financing TB ?

• lowest age 18 decades,
• files out of latest websites month-to-month money out of 500 EUR or maybe more,
• financing up to just as much 80 % of your own sworn assets,
• limit fees age of 2 decades,
• an option to play with the main mortgage to expend charge (financing commission and you will making certain specialist testing of your flat courtesy Tatra banka),
• pledging of casing property while the security.

Could there be people insurance available basically are struggling to repay your house Security Loan TB ?

Sure, there was. In the venture into the UNIQA insurance provider you could potentially strategy brand new adopting the through mobile provider Dialogue Live or in Tatra banka department:

• insurance rates of one’s capability to pay-off financing, that’ll give you certainty in case of unexpected incidents you to definitely usually prevent you from carried on to repay the borrowed funds,
• assets insurance rates that you could program considering your needs.

What are the fixed rate of interest possibilities of the house Equity Mortgage TB ?

The option of a predetermined rate of interest is available for 1, dos, 3, 5, seven and you will a decade or the whole mortgage cost several months.

At least a few months till the stop of your own repaired attract rates period we will contact your on paper and let you be aware of the the fresh new interest rate while the this new fixed rate of interest several months. You can determine, whether or not you:

• accept brand new interest and also the fixed-rate several months,
• accept the offer to increase or shorten the fresh fixed-speed several months together with associated interest.

How come the newest visit inside the Tatra banka just do it whenever attracting this new financing? What happens in the very first meeting?

Consultation is the initial step to obtain the financing. Agenda a night out together for the fulfilling via Dialog Real time *1100. The mortgage bankers was borrowing from the bank positives. You will see regarding done bring out of https://paydayloancolorado.net/conejos/ loan situations from the the initial meeting and it will be your responsibility to mix the credit to suit your brand new home, car finance, bungalow or property renovation.