The consumer Financing TB and Home Equity Financing TB differ in 2 very important parameters, particularly readiness and you may interest:
Should i really use the money from a house Security Loan TB having some thing?
The whole quantity of a house Security Loan TB are good financing for objective, and therefore there are not any conditions so you’re able to file people goal plus the money from our home Collateral Financing TB is used at your best discretion. The only exclusion was the right position if you utilize the house guarantee loan to settle other fund in such a case you ought to pay back the individuals financing and you will one left the main mortgage can be utilized the goal.
What is the difference between the consumer loan TB additionally the Family collateral loan TB ?
The user Mortgage TB financing with an intention rates away from 5.9 % p. an effective. and you can readiness period max. 8 decades,
Your house Security Mortgage TB financing with an interest rates out of dos.59 % p. a. having 1 year fixation and you will readiness two decades.
May i pay the house Security Mortgage TB early?
Sure, your house Equity Loan TB tends to be paid down early, even instead of a fee, on the big date of your end of the repaired-notice several months. A consumer can also promote an amazing put one per year around the new 20 % of your own mortgage prominent without people costs. Also both of these choices, the expenses off early installment ought not to exceed 1 % of one’s early reduced count to your homes loan.
What requirements carry out I have to satisfy if i need certainly to simply take a home Guarantee Financing TB ?
- minimum ages 18 ages,
- documents regarding current websites month-to-month income regarding 500 EUR or maybe more,
- loan around the maximum amount of 80 % of your sworn assets,
- restriction installment age 20 years,
- a choice to fool around with an element of the financing to blow charges (loan fee and you may ensuring specialist testing of one’s flat due to Tatra banka),
- pledging of one’s homes possessions as the safeguards.
Is there one insurance policies readily available easily in the morning not able to pay-off your house Guarantee Mortgage TB ?
Sure, there is. In the collaboration to your UNIQA insurance provider you might plan the newest after the thru phone service Dialogue Alive or in Tatra banka department:
- insurance rates of capacity to pay-off financing, that will give you certainty if there is unexpected incidents that often prevent you from persisted to repay the mortgage,
- possessions insurance policies that you could plan predicated on your position.
Which are the fixed interest possibilities of the house Collateral Mortgage TB ?
A choice of a predetermined interest exists for 1, 2, 3, 5, 7 and you will a decade or the whole mortgage installment period.
At the least two months until the stop of your repaired interest speed months we are going to contact you on paper and you will enable you to understand the this new interest while the the brand new fixed rate of interest several months. You can determine, whether you:
- undertake the latest rate of interest in addition to repaired-rates period,
- undertake the offer to extend or shorten the brand new fixed-rates several months as well as the relevant interest rate.
Why does the new session inside the Tatra banka proceed when attracting the newest financing? What happens from the basic conference?
Consultation is the first faltering step to obtain the financing. Schedule a romantic date to suit your appointment via Dialogue Alive *1100. All of our financial wikipedia reference bankers try credit positives. You will observe regarding the complete promote away from mortgage points within the initial fulfilling and then it could be up to you to combine the credit to suit your new house, car loan, cottage or property renovation.
