An individual Financing TB and the Family Guarantee Financing TB disagree in 2 essential parameters, particularly readiness and you will interest rate:

Must i very make use of the funds from a house Equity Financing TB to own one thing?

The complete level of a home Collateral Mortgage TB try good financing for any objective, and thus there are not any standards so you can file one goal and the money from our home Guarantee Mortgage TB is generally made use of at your just discernment. Truly the only exception to this rule are a posture if you are using your house collateral loan to settle other funds in such a case you should pay off those fund and you may any leftover an element of the loan can be used your purpose.

What’s the difference between an individual financing TB as well as the Household security mortgage TB ?

The user Financing TB that loan with an interest speed off 5 loans Gunbarrel.nine % p. a great. and you will readiness several months maximum. 8 age,

The home Guarantee Financing TB financing with an interest speed from 2.59 % p. a. which have 12 months fixation and readiness twenty years.

Can i pay our home Equity Financing TB early?

Yes, the home Security Loan TB may be paid down very early, even instead a charge, toward date of end of your fixed-focus period. A customer can also bring an amazing put annually up to brand new 20 % of loan dominant free from one charges. Plus these selection, the costs of early payment must not surpass 1 % of your early paid down amount towards the property loan.

What standards do I must see basically must simply take property Collateral Mortgage TB ?

• minimum age 18 years,
• paperwork out of latest web monthly earnings out-of 500 EUR or even more,
• financing as much as the maximum amount of 80 % of pledged assets,
• restrict cost age of two decades,
• a solution to use area of the loan to expend charge (mortgage commission and you will making certain professional comparison of your own flat using Tatra banka),
• pledging of property property since the coverage.

Will there be one insurance rates offered if i was unable to pay back the home Guarantee Mortgage TB ?

Sure, there is certainly. In collaboration to your UNIQA insurer you might program new pursuing the through mobile provider Dialog Live or perhaps in Tatra banka department:

• insurance coverage of your own ability to pay-off that loan, which will give you certainty if there is unanticipated events you to definitely commonly prevent you from proceeded to settle the loan,
• property insurance coverage that you could program according to your position.

What are the repaired interest rate choices of the home Guarantee Loan TB ?

The option of a predetermined interest is obtainable for one, 2, step three, 5, 7 and ten years or perhaps the entire loan repayment months.

At least two months before the avoid of your fixed attract price several months we will contact your written down and you may let you know the the latest interest additionally the this new fixed interest rate months. You could choose, if or not your:

• undertake the fresh rate of interest additionally the fixed-rate months,
• take on the offer to increase or reduce this new fixed-price several months while the relevant interest.

How does new consultation in the Tatra banka go ahead whenever attracting the newest mortgage? What will happen on earliest appointment?

Appointment is the initial step to find the loan. Schedule a date for the appointment thru Dialogue Alive *1100. Our mortgage bankers was borrowing from the bank masters. You will see about the done give out-of financing points at the the first conference immediately after which it will be your decision to mix the financing to suit your new house, car finance, cottage otherwise property refurbishment.