An individual Loan TB and also the Home Collateral Loan TB differ in 2 essential details, particularly readiness and you may interest rate:
Can i most make use of the money from a property Equity Financing TB to own one thing?
The complete number of a house Guarantee Loan TB is actually a loan your mission, which means there are not any conditions in order to document one purpose and money from the home Collateral Mortgage TB could be put at the only discernment. The only real exclusion was a situation if you are using the house equity mortgage to settle almost every other financing in such a case you should pay men and women finance and you may any remaining an element of the loan may be used for the purpose.
What is the difference between the user loan TB as well as the Family security mortgage TB ?
The consumer Loan TB a loan with an intention speed of 5.nine % p. a beneficial. and you can maturity months max. 8 many years,
Our home Guarantee Financing TB a loan with an intention price off dos.59 % p. a. having one year obsession and readiness two decades.
Could i pay back the house Guarantee Mortgage TB very early?
Sure, the house Collateral Loan TB could be paid off early, also in place of a fee, towards time of your own avoid of your repaired-notice several months. A client also can render an amazing deposit one per year around the 20 % of the mortgage dominant free of one costs. Also both of these selection, the expense regarding early cost cannot exceed step one % of early repaid matter to your property mortgage.
Exactly what standards create I want to see basically should need a property Guarantee Mortgage TB ?
- minimal age 18 ages,
- documentation of current online monthly money off 500 EUR or higher,
- mortgage doing just as much 80 % of pledged assets,
- limitation repayment period of twenty years,
- an option to explore a portion of the financing to expend fees (financing percentage and making sure pro comparison of one’s flat compliment of Tatra banka),
- pledging of casing assets once the protection.
Will there be people insurance rates readily available if i in the morning not able to repay the house Guarantee Loan TB ?
Sure, there clearly was. Within the venture on UNIQA insurance company you could potentially program the fresh new following via mobile services Dialog Alive or even in Tatra banka branch:
- insurance of one’s capability to pay off that loan, that may give you certainty if there is unexpected situations one will prevent you from carried on to repay the mortgage,
- property insurance rates that you can program predicated on your position.
What are the fixed interest rate alternatives of the house Collateral Mortgage TB ?
The option of a fixed rate of interest is present for example, 2, step 3, 5, seven and 10 years or even the entire financing payment months.
At the very least a few months before avoid of one’s repaired attract price period we shall contact you on paper and you can allow you to understand the the newest rate of interest while the this new fixed interest rate period. You can decide, whether your:
- accept the fresh interest rate therefore the fixed-speed period,
- undertake the offer to extend otherwise reduce the new fixed-rate several months together with associated rate of interest.
How does the new visit for the Tatra banka go ahead when drawing the fresh new loan? What happens at basic meeting?
Appointment is the initial step to find the loan. Agenda a date for the conference thru Dialogue Real time *1100. All of our home loan bankers was borrowing from the bank pros. You will learn towards complete provide regarding loan affairs from the the original appointment and it could be up to you to combine the credit for the new house, car loan, cottage otherwise assets renovation.
