Must i most utilize the money from property Equity Loan TB getting anything?

The complete amount of a property Equity Financing TB are a financing the mission, and thus there are not any criteria so you can file one goal while the money from the home Security Financing TB is generally made use of at the sole discretion. The only exception try a situation if you utilize the home security mortgage to repay other financing in such a case you need to repay people loans and you can people leftover the main financing can be utilized your objective.

What is the difference in an individual mortgage TB additionally the House collateral mortgage TB ?

The user Loan TB financing with an intention speed regarding 5.9 % p. a. and you may maturity months maximum. 8 many years,

Our home Security Financing TB financing with an interest rates off dos.59 % p. an excellent. with 12 months obsession and you can maturity twenty years.

Could i pay-off our home Guarantee Loan TB early?

Sure, the home Collateral Financing TB can be repaid very early, also in place of a charge, into time of your avoid of your own fixed-notice loans Battlement Mesa CO several months. A customer may also give an extraordinary put once a year as much as this new 20 % of your own financing prominent free of any costs. Including both of these options, the costs of very early payment should not meet or exceed step one % of your own early reduced matter to the houses financing.

What criteria perform I have to see easily need certainly to just take a home Guarantee Mortgage TB ?

• minimal age 18 years,
• documentation regarding most recent internet month-to-month earnings off five hundred EUR or more,
• mortgage doing just as much 80 % of the sworn assets,
• limitation fees age 20 years,
• an option to fool around with an element of the loan to blow charge (loan commission and you can ensuring professional investigations of your own flat because of Tatra banka),
• pledging of homes property as shelter.

Is there one insurance rates readily available easily was not able to pay back our home Guarantee Financing TB ?

Sure, there was. Inside venture with the UNIQA insurance company you could potentially program the brand new following via cellphone solution Dialog Real time or in Tatra banka department:

• insurance of one’s capacity to pay-off that loan, that may leave you certainty in case there are unanticipated situations one to have a tendency to stop you from continuing to settle the borrowed funds,
• assets insurance rates you could plan centered on your needs.

Exactly what are the repaired interest rate choice of the property Security Loan TB ?

A choice of a fixed rate of interest is present for one, 2, 3, 5, eight and you can 10 years or even the entire financing cost months.

About a few months before the prevent of repaired interest speed months we’ll get in touch with your in writing and let you be aware of the the newest interest rate therefore the the newest fixed interest rate several months. You could potentially decide, if or not your:

• deal with the fresh new interest as well as the fixed-rate period,
• undertake the deal to extend otherwise reduce this new fixed-speed months therefore the associated rate of interest.

How does brand new session from inside the Tatra banka go ahead when drawing the brand new mortgage? What are the results at the basic conference?

Appointment is the first step to get the loan. Agenda a romantic date for the conference through Dialog Alive *1100. The mortgage bankers are borrowing from the bank professionals. You will learn about the complete give regarding loan situations on the first appointment and then it might be for you to decide to mix the credit for the new house, auto loan, cottage or assets refurbishment.