The user Financing TB and the Home Security Loan TB differ in 2 crucial variables, namely readiness and you can interest:

Ought i extremely use the funds from a home Security Loan TB to have one thing?

The complete quantity of a house Equity Financing TB is actually an excellent mortgage for the purpose, and therefore there are no criteria so you can file any objective while the money from the home Equity Loan TB can be utilized at the sole discernment. The sole exemption is a posture if you use the house security loan to settle almost every other financing in cases like this you need to pay-off those people fund and any kept area of the mortgage can be utilized for purpose.

What’s the difference between the consumer mortgage TB therefore the Domestic collateral financing TB ?

An individual Mortgage TB a loan with an intention speed from 5.nine % p. a beneficial. and you may readiness period maximum. 8 age,

The house Guarantee Mortgage TB that loan with an intention rate regarding dos.59 % p. a beneficial. http://www.paydayloancolorado.net/bark-ranch which have 12 months obsession and you will readiness 20 years.

Am i able to pay-off your house Guarantee Financing TB early?

Yes, our home Equity Loan TB is generally reduced very early, also without a fee, on the time of prevent of one’s repaired-attract period. A client may also promote an amazing deposit one per year doing the latest 20 % of the mortgage prominent without one fees. As well as those two selection, the expenses off very early installment ought not to meet or exceed step 1 % of your very early repaid number to your construction financing.

What criteria would I want to satisfy basically want to grab a house Security Financing TB ?

• minimum decades 18 years,
• documents away from latest online monthly money of 500 EUR or higher,
• loan as much as just as much 80 % of your own pledged possessions,
• limit installment chronilogical age of two decades,
• a choice to fool around with area of the mortgage to invest charges (loan fee and you can ensuring pro testing of your flat due to Tatra banka),
• pledging of property assets given that protection.

Could there be any insurance policies available easily have always been incapable of pay-off the house Equity Loan TB ?

Sure, there can be. Into the collaboration into UNIQA insurance carrier you might arrange brand new following the thru telephone service Dialogue Real time or in Tatra banka branch:

• insurance policies of the capability to pay-off financing, that will make you certainty if there is unexpected situations one to will prevent you from continued to repay the loan,
• property insurance rates to plan considering your needs.

Do you know the repaired interest options of the home Collateral Mortgage TB ?

A choice of a predetermined interest rate can be acquired for just one, 2, step three, 5, seven and you will 10 years or the whole financing cost months.

At the least two months till the avoid of your repaired notice speed period we will contact your written down and you may enable you to know the the fresh new interest while the the latest fixed rate of interest several months. You could select, if you:

• undertake the fresh rate of interest together with fixed-rate months,
• deal with the offer to extend or reduce the fresh fixed-rate period as well as the related interest.

How come the fresh new consultation during the Tatra banka just do it when drawing this new mortgage? What goes on from the earliest conference?

Consultation ‘s the 1st step to obtain the mortgage. Agenda a night out together to suit your fulfilling thru Dialogue Real time *1100. Our mortgage bankers are credit pros. You will observe towards complete give of financing circumstances at the first conference following it will be your choice to mix the financing for your new house, car loan, cottage otherwise property refurbishment.