The user Mortgage TB and the Home Security Loan TB differ in 2 crucial parameters, namely readiness and you may interest rate:

Do i need to very use the money from a house Guarantee Loan TB to have things?

The whole number of a home Equity Mortgage TB was a great loan when it comes to objective, for example there are no criteria to help you file people mission in addition to money from our home Guarantee Loan TB could be utilized at your best discernment. Truly the only exception to this rule is a situation when you use the house security mortgage to settle most other financing in this case you must pay off men and women financing and you will any leftover area of the mortgage can be utilized for your objective.

What’s the difference in the user loan TB plus the Family guarantee mortgage TB ?

The consumer Loan TB financing with an interest price out-of 5.9 % p. a beneficial. and you may readiness several months maximum. 8 decades,

Our home Collateral Financing TB that loan with an intention speed regarding 2.59 % p. a great. that have 1 year fixation and you may readiness two decades.

Is it possible to pay off the house Guarantee Mortgage TB very early?

Yes, your house Guarantee Mortgage TB are paid back early, actually without a fee, to your go out of prevent of your repaired-focus several months. An individual may bring an amazing deposit annually doing brand new 20 % of your financing dominant free of any charges. And those two possibilities, the expense from early payment ought not to surpass step one % of the early reduced count on construction mortgage.

Exactly what standards manage I need to fulfill if i need certainly to get a home Guarantee Financing TB ?

• minimum ages 18 many years,
• paperwork out of newest net monthly earnings off five hundred EUR or even more,
• mortgage doing just as much 80 % of one’s bound possessions,
• restriction fees age of twenty years,
• an option to explore a portion of the loan to pay costs (mortgage fee and you can guaranteeing pro research of the apartment thanks to Tatra banka),
• pledging of your property assets just like the safeguards.

Can there be people insurance available if i are not able to pay off our home Guarantee Mortgage TB ?

Yes, there can be. From inside the cooperation toward UNIQA insurance provider you could plan the pursuing the via cellphone services Dialogue Alive or perhaps in Tatra banka department:

• insurance of power to pay back that loan, which will give you certainty in the eventuality of unanticipated events you to definitely tend to prevent you from carried on to repay the borrowed funds,
• property insurance policies that one can program according to your position.

What are the repaired rate of interest selection of the home Security Financing TB ?

The option of a fixed interest exists for 1, dos, 3, 5, seven and you can 10 years or perhaps the whole loan fees months.

At the very least two months through to the avoid of your fixed focus speed period we’ll get in touch with you on paper and you will enable you to understand new rate of interest additionally the the fresh new repaired interest rate months. You could potentially select, if you:

• take on the brand new interest rate plus the repaired-rate months,
• undertake the deal to give otherwise shorten the fixed-speed period while the related rate Manassa payday loans of interest.

How come this new visit in the Tatra banka go ahead whenever attracting the brand new financing? What goes on during the earliest conference?

Consultation is the starting point to get the loan. Plan a romantic date to suit your conference via Dialogue Alive *1100. Our financial lenders are credit advantages. You will learn regarding the done give off financing things during the the initial appointment and then it might be up to you to mix the financing for the new house, auto loan, cottage or possessions renovation.