Do i need to really use the funds from property Guarantee Loan TB getting some thing?
The entire amount of a home Collateral Mortgage TB is actually an excellent financing for all the goal, for example there aren’t any conditions so you can document people goal plus the funds from the home Equity Loan TB tends to be utilized at the just discretion. The only exception to this rule is actually a position if you are using our home collateral financing to settle almost every other financing in this instance you need to pay those people loans and one remaining an element of the mortgage can be used for all the mission.
What is the difference in an individual mortgage TB and also the Household guarantee mortgage TB ?
The user Loan TB a loan with an interest rates away from 5.nine % p. a. and maturity months max. 8 many years,
Our home Collateral Loan TB that loan with an interest rate from dos.59 % p. a. with one year obsession and you can readiness 2 decades.
Am i able to pay-off your house Guarantee Loan TB very early?
Yes, the home Equity Financing TB is paid back very early, also rather than a charge, for the go out of your end of one’s repaired-appeal period. A customer may also offer an extraordinary put annually doing the brand new 20 % of your own mortgage dominant without any costs. And additionally both of these choice, the expense from very early installment must not go beyond step 1 % of the very early paid amount for the houses mortgage.
What criteria carry out I must see basically want to simply take a property Collateral Mortgage TB ?
- lowest years 18 age,
- documents of newest online month-to-month earnings regarding five hundred EUR or higher,
- loan as much as the maximum amount of 80 % of your sworn possessions,
- maximum payment age of 20 years,
- an option to use a portion of the financing to blow charge (financing fee and you may making certain specialist analysis of your apartment because of Tatra banka),
- pledging of one’s housing possessions because the defense.
Is there people insurance rates available basically are unable to pay back the home Equity Financing TB ?
Sure, you will find. In collaboration towards the UNIQA insurance provider you might arrange new adopting the via phone provider Dialog Live or in Tatra banka branch:
- insurance rates of capacity to pay-off that loan, that leave you certainty in case of unforeseen incidents one to commonly prevent you from continued to settle the mortgage,
- possessions insurance policies to strategy according to your circumstances.
What are the repaired interest rate alternatives of the property Guarantee Mortgage TB ?
The option of a predetermined rate of interest is available for example, dos, 3, 5, eight and a decade and/or entire financing fees several months.
At the least two months before the stop of the fixed desire price period we are going to contact your written down and you may allow you to know the the newest interest rate therefore the the fresh fixed rate of interest several months. You might pick, if or not you:
- deal with brand new interest in addition to repaired-rates several months,
- deal with the deal to extend otherwise shorten the fixed-price several months therefore the related interest.
Why does the brand new visit for the Tatra banka proceed when drawing the fresh new financing? What takes place from the earliest appointment?
Consultation ‘s the 1st step to get the financing. Schedule a romantic date for your conference thru Dialog Live *1100. All of our home loan lenders try borrowing gurus. You will learn concerning over provide out-of mortgage factors at the first meeting right after which it could be for you to decide to combine the credit for your new house, car loan, cottage or possessions refurbishment.
