An individual Loan TB together with Family Guarantee Loan TB disagree in 2 very important variables, namely readiness and rate of interest:

Do i need to very utilize the funds from property Collateral Mortgage TB to have anything?

The whole amount of a property Equity Financing TB are a great loan the purpose, which means there are not any conditions to help you file people objective and the funds from our home Guarantee Financing TB is generally made use of at your only discernment. The only exclusion was a position if you are using your house security mortgage to repay most other fund in cases like this you must repay those loans and any remaining an element of the mortgage may be used for all the objective.

What is the difference between the user financing TB additionally the Home equity mortgage TB ?

An individual Loan TB a loan with an interest rates off 5.9 % p. a great. and you may maturity months maximum. 8 years,

Your house Collateral Loan TB financing with an intention price away from 2.59 % p. a. which have 12 months fixation and you may maturity 2 decades.

Am i able to pay back your house Guarantee Loan TB very early?

Yes, our home Guarantee Loan TB is paid off early, even as opposed to a charge, towards time of one’s avoid of the fixed-appeal period. A consumer also can provide an extraordinary put one per year as much as the 20 % of your own mortgage principal free from any charges. Including both of these alternatives, the costs off early cost ought not to exceed step one % of your early paid off amount on the homes loan.

Exactly what conditions carry out I must fulfill if i need to take a home Equity Financing TB ?

• minimal age 18 many years,
• paperwork of latest websites monthly income away from 500 EUR or even more,
• mortgage as much as just as much 80 % of bound property,
• restrict installment age 20 years,
• an option to fool around with the main financing to blow fees (financing percentage and you can ensuring professional assessment of your flat as a result of Tatra banka),
• pledging of houses possessions as the security.

Can there be people insurance offered if i are unable to pay the house Security Mortgage TB ?

Yes, there’s. Inside venture on UNIQA insurer you could potentially plan the following the through telephone solution Dialog https://paydayloancolorado.net/aurora/ Live or in Tatra banka branch:

• insurance policies of ability to pay back a loan, that may give you certainty in case there is unanticipated events one will stop you from continuing to settle the mortgage,
• possessions insurance as possible strategy considering your circumstances.

Exactly what are the fixed rate of interest options of the property Guarantee Loan TB ?

The option of a fixed interest is present for example, dos, step 3, 5, eight and you can a decade and/or entire mortgage payment period.

No less than two months before stop of your own fixed focus rate several months we’re going to contact your in writing and let you understand new interest rate plus the this new fixed interest rate months. You might determine, whether you:

• accept the fresh new rate of interest and the repaired-speed months,
• undertake the deal to give otherwise reduce the newest fixed-speed several months as well as the associated interest rate.

Why does the brand new appointment during the Tatra banka go-ahead whenever drawing the fresh new financing? What takes place within earliest conference?

Consultation is the first faltering step to get the mortgage. Schedule a date to suit your conference through Dialogue Alive *1100. Our very own financial bankers was borrowing benefits. You will learn in regards to the done render out-of mortgage activities from the the original fulfilling after which it would be your decision to mix the credit for the new home, car loan, bungalow or assets renovation.