An individual Loan TB and also the Household Guarantee Mortgage TB differ in two extremely important variables, namely maturity and you may interest:

Must i extremely utilize the funds from a house Collateral Financing TB for one thing?

The complete quantity of a home Equity Financing TB try a great mortgage when it comes to purpose, and therefore there are no standards to document people goal and also the funds from your house Equity Financing TB is utilized at your only discretion. Really the only exception to this rule is a situation by using the home guarantee loan to repay other funds in such a case you need http://paydayloancolorado.net/denver/ to pay people financing and you may one remaining area of the loan may be used for the goal.

What’s the difference between the consumer mortgage TB and also the Household guarantee mortgage TB ?

The consumer Loan TB financing with an intention speed away from 5.nine % p. an effective. and maturity months max. 8 age,

The home Security Loan TB a loan with an interest rate away from 2.59 % p. good. that have 1 year fixation and you will readiness 20 years.

Am i able to pay off the house Collateral Financing TB early?

Yes, the home Equity Financing TB is paid off early, also versus a charge, for the time of your own avoid of the fixed-desire period. A customer may also bring a remarkable deposit annually as much as the latest 20 % of mortgage dominating without one fees. Including those two possibilities, the expenses away from early fees should not exceed 1 % of very early paid off amount towards housing mortgage.

Just what standards perform I need to satisfy basically need certainly to get a property Security Loan TB ?

• minimum ages 18 decades,
• papers out of current internet monthly income regarding 500 EUR or higher,
• loan doing as much 80 % of sworn assets,
• limitation installment ages of 2 decades,
• an option to fool around with part of the financing to spend costs (mortgage fee and you will guaranteeing specialist investigations of flat because of Tatra banka),
• pledging of your construction assets given that defense.

Could there be people insurance coverage readily available if i am unable to pay back our home Security Loan TB ?

Yes, there is. Inside cooperation for the UNIQA insurance carrier you can arrange new pursuing the thru telephone provider Dialog Alive or in Tatra banka part:

• insurance policies of capability to pay off financing, that can give you confidence if there is unforeseen situations you to often stop you from carried on to repay the borrowed funds,
• possessions insurance policies to arrange based on your needs.

Which are the repaired rate of interest choice of the home Security Financing TB ?

A choice of a fixed interest is available for example, 2, step 3, 5, seven and you will 10 years or even the entire loan payment period.

About a few months till the end of your repaired attention speed period we will get in touch with you written down and allow you to understand the the rate of interest and also the the fixed rate of interest months. You could pick, whether or not you:

• undertake brand new rate of interest in addition to fixed-rates period,
• undertake the offer to give otherwise shorten this new repaired-speed months together with related interest rate.

Why does the brand new consultation from inside the Tatra banka just do it whenever drawing the brand new financing? What will happen from the earliest appointment?

Session is the first faltering step to discover the mortgage. Agenda a night out together to suit your fulfilling through Dialog Real time *1100. Our very own financial bankers try borrowing gurus. You will observe regarding over promote out of financing items from the the original fulfilling after which it could be your choice to combine the credit for your new house, car finance, bungalow otherwise property renovation.