An individual Loan TB additionally the Household Guarantee Mortgage TB disagree in 2 crucial variables, specifically readiness and you may rate of interest:

Ought i really make use of the money from a property Security Financing TB getting some thing?

The entire level of a property Guarantee Mortgage TB are an excellent mortgage the mission, meaning that there aren’t any requirements to help you document people purpose and funds from your house Collateral Loan TB can be put at the only discretion. The sole exemption was a situation if you use your house equity mortgage to settle almost every other loans in this situation you must pay-off those people finance and you may any leftover area of the financing can be utilized for your purpose.

What’s the difference in an individual mortgage TB together with Home equity financing TB ?

An individual Mortgage TB that loan with an intention rates off 5.nine % p. a good. and you may readiness period maximum. 8 age,

Your house Equity Mortgage TB that loan with an interest rates from 2.59 % p. good. that have one year obsession and you can readiness 20 years.

Can i pay back your house Collateral Loan TB early?

Sure, the home Collateral Loan TB are paid down very early, actually without a fee, toward day of end of one’s fixed-focus period. A customer also can give an extraordinary deposit once a year around the fresh 20 % of your financing principal free from one charge. Including those two selection, the expense of very early cost shouldn’t go beyond step 1 % of early paid down count for the homes financing.

Exactly what criteria carry out I need to satisfy if i need certainly to just take property Equity Mortgage TB ?

• lowest ages 18 decades,
• papers off latest web monthly income off five hundred EUR or higher,
• mortgage to as much 80 % of your bound assets,
• limit cost chronilogical age of 2 decades,
• an option to fool around with part of the mortgage personal loans for bad credit in VT to expend costs (mortgage commission and making certain expert review of the apartment using Tatra banka),
• pledging of your houses possessions as coverage.

Is there one insurance available basically are not able to pay off the house Guarantee Financing TB ?

Sure, there’s. In the cooperation to the UNIQA insurance carrier you can program the newest pursuing the via cell provider Dialog Alive or in Tatra banka department:

• insurance coverage of your own power to pay off financing, that may give you confidence in case there is unanticipated incidents one to will stop you from continuous to repay the mortgage,
• assets insurance rates to plan centered on your needs.

Do you know the fixed interest rate choices of the property Security Mortgage TB ?

A choice of a fixed interest is available for example, dos, 3, 5, eight and you can a decade or even the entire mortgage repayment months.

About a couple months until the stop of your own fixed attention price period we’ll get in touch with you on paper and you will enable you to know the the interest rate together with brand new repaired interest rate period. You might pick, whether you:

• deal with the new rate of interest plus the repaired-price period,
• deal with the deal to extend otherwise reduce the latest fixed-rate months additionally the relevant rate of interest.

How come the brand new appointment for the Tatra banka proceed when attracting brand new loan? What goes on from the first appointment?

Visit is the initial step to get the financing. Plan a romantic date for the conference through Dialogue Live *1100. The mortgage bankers is borrowing from the bank advantages. You will observe about the done promote out-of financing facts at the original conference immediately after which it could be your responsibility to mix the credit to suit your new home, car finance, cottage otherwise assets renovation.