Should i very use the money from property Guarantee Loan TB to possess one thing?

The whole number of a property Guarantee Loan TB is an excellent mortgage for your mission, which means that there are not any requirements so you’re able to document one mission plus the funds from the home Collateral Mortgage TB can be used at the just discretion. Really the only difference try the right payday instant online loans position by using our home guarantee financing to settle other financing in this situation you should pay off those individuals loans and you can one leftover an element of the loan can be used for the purpose.

What is the difference in the consumer mortgage TB as well as the Home guarantee mortgage TB ?

An individual Mortgage TB that loan with an intention price from 5.9 % p. an effective. and you may readiness period maximum. 8 ages,

Your house Collateral Loan TB financing with an interest speed out-of 2.59 % p. an effective. that have 12 months fixation and you may readiness twenty years.

Is it possible to pay your house Security Financing TB very early?

Yes, our home Security Financing TB could be paid off very early, actually instead of a charge, for the day of your prevent of one’s fixed-attract period. An individual also can give an extraordinary deposit annually to the 20 % of the loan principal clear of any charges. As well as these choices, the costs out-of very early payment cannot surpass 1 % of your own very early repaid matter into construction loan.

Exactly what requirements carry out I want to meet easily should get a home Collateral Mortgage TB ?

• minimal decades 18 age,
• papers out-of newest internet monthly earnings out of five-hundred EUR or more,
• financing doing as much 80 % of your sworn property,
• maximum payment chronilogical age of two decades,
• an option to fool around with a portion of the mortgage to expend charge (financing percentage and making certain expert comparison of your apartment thanks to Tatra banka),
• pledging of construction property because defense.

Can there be people insurance policies offered if i am incapable of repay the home Collateral Loan TB ?

Sure, there’s. Within the cooperation to your UNIQA insurer you can arrange the newest following thru phone service Dialog Real time or even in Tatra banka branch:

• insurance of one’s capability to pay that loan, that leave you certainty in case there are unforeseen occurrences one tend to prevent you from carried on to settle the borrowed funds,
• possessions insurance policies that you can strategy centered on your position.

Which are the fixed rate of interest selection of the house Equity Mortgage TB ?

A choice of a predetermined interest rate can be acquired for example, 2, step three, 5, eight and you can 10 years or the whole mortgage installment period.

At the least a couple months before end of one’s fixed appeal rates period we’re going to contact you written down and you may allow you to understand the the latest rate of interest as well as the the latest repaired rate of interest several months. You can pick, whether your:

• accept the newest rate of interest plus the repaired-price period,
• undertake the offer to increase or shorten the new repaired-speed period in addition to related interest rate.

How does the newest visit for the Tatra banka proceed whenever drawing the mortgage? What takes place within basic fulfilling?

Appointment is the first step to find the mortgage. Schedule a date to suit your meeting via Dialogue Live *1100. The financial bankers is actually credit experts. You will see concerning the done provide away from loan situations at the initial fulfilling following it would be your decision to mix the financing for the new house, auto loan, cottage otherwise assets refurbishment.