The user Financing TB therefore the Home Security Loan TB differ in 2 very important parameters, namely maturity and rate of interest:

Do i need to really use the funds from a home Equity Loan TB having anything?

The whole level of a home Collateral Mortgage TB was an excellent loan when it comes to goal, and therefore there aren’t any criteria to help you document people objective as well as the money from our home Equity Loan TB tends to be made use of at your just discernment. Really the only exclusion was a position if you are using the home security loan to repay most other finance in such a case you ought to pay-off men and women financing and one kept an element of the financing may be used your purpose.

What’s the difference between the consumer financing TB as well as the Home guarantee financing TB ?

The consumer Financing TB that loan with an intention rate away from 5.9 % p. a beneficial. and you may maturity several months maximum. 8 many years,

Your house Security Loan TB that loan with an intention speed from dos.59 % p. good. that have 1 year fixation and you can readiness twenty years.

Should i pay back our home Guarantee Financing TB early?

Sure, the house Collateral Financing TB may be paid back very early, also rather than a fee, to the day of the prevent of the fixed-notice several months. An individual may also offer a remarkable put one per year as much as the 20 % of financing dominating free from one charges. Including these options, the costs out of very early installment ought not to surpass step one % of the early paid off number with the casing financing.

What standards manage I need to fulfill easily have to bring a house Guarantee Mortgage TB ?

• minimal years 18 ages,
• documentation away from most recent web month-to-month money away from 500 EUR or higher,
• loan up to as much 80 % of bound property payday loans bad credit Mount Crested Butte,
• restriction payment chronilogical age of 20 years,
• a solution to have fun with area of the financing to pay fees (loan percentage and you can making certain pro review of flat courtesy Tatra banka),
• pledging of your own construction property just like the protection.

Could there be any insurance coverage readily available basically am struggling to pay-off your house Guarantee Financing TB ?

Yes, there’s. For the collaboration to your UNIQA insurance provider you could potentially arrange the newest following via telephone solution Dialog Live or in Tatra banka part:

• insurance of power to pay-off a loan, which will make you certainty if there is unanticipated occurrences you to definitely commonly prevent you from continued to repay the mortgage,
• possessions insurance rates you could arrange considering your needs.

Do you know the fixed interest rate alternatives of the house Collateral Mortgage TB ?

The option of a predetermined rate of interest is obtainable for example, 2, step 3, 5, eight and you can a decade or the entire mortgage installment several months.

No less than a few months before stop of your repaired focus rates period we will get in touch with your in writing and you can enable you to understand the new interest rate plus the the latest fixed rate of interest months. You can pick, whether or not your:

• accept brand new rate of interest and also the repaired-rate period,
• take on the offer to extend or shorten the fresh fixed-rate months therefore the related rate of interest.

How does this new consultation in the Tatra banka proceed when drawing the mortgage? What goes on during the first appointment?

Session ‘s the first rung on the ladder to obtain the financing. Plan a night out together for the conference via Dialogue Real time *1100. The mortgage bankers was borrowing from the bank pros. You will see concerning the complete render from loan circumstances at the first fulfilling then it might be for you to decide to combine the credit to suit your new home, auto loan, bungalow otherwise property renovation.