Home » Cover story » The consumer Mortgage TB therefore the House Guarantee Mortgage TB differ in 2 very important parameters, namely maturity and you may rate of interest:

The consumer Mortgage TB therefore the House Guarantee Mortgage TB differ in 2 very important parameters, namely maturity and you may rate of interest:

The consumer Mortgage TB therefore the House Guarantee Mortgage TB differ in 2 very important parameters, namely maturity and you may rate of interest:

Can i very make use of the money from property Equity Loan TB to possess things?

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The entire number of a house Guarantee Financing TB is actually good financing for all the mission, for example there aren’t any criteria to document one purpose therefore the money from the house Guarantee Mortgage TB are put at your sole discretion. The sole exception to this rule are the right position by using the home equity mortgage to repay other loans in such a case you need to pay back those individuals money and people remaining area of the financing may be used for your mission.

What is the difference in the user loan TB therefore the Domestic security mortgage TB ?

An individual Financing TB a loan with an intention speed of 5.nine % p. a good. and you will readiness period maximum. 8 age,

Our home Guarantee Mortgage TB a loan with an interest rate from 2.59 % p. a good. with 1 year fixation and you may maturity 2 decades.

Can i pay back our home Security Loan TB early?

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Yes, your house Security Mortgage TB are repaid very early, actually instead of a fee, with the time of one’s end of the fixed-attention period. A client can also bring a remarkable deposit once a year around the brand new 20 % of your financing principal without one charges. Together with both of these solutions, the expenses from very early cost cannot surpass step 1 % of very early paid back amount into the housing mortgage.

Exactly what criteria do I must see easily need to get a house Collateral Mortgage TB ?

  • minimum age 18 decades,
  • paperwork regarding latest internet month-to-month money of 500 EUR or maybe more,
  • mortgage doing the maximum amount of 80 % of your own pledged property,
  • restriction installment age 2 decades,
  • a choice to fool around with an element of the loan to blow charges (financing percentage and you will guaranteeing expert investigations of the apartment through Tatra banka),
  • pledging of your own construction assets given that safety.

Can there be one insurance rates readily available easily have always been incapable of pay off your house Equity Mortgage TB ?

Sure, there clearly was. Inside cooperation to the UNIQA insurance carrier you might plan the fresh new following the via cell provider Dialogue Alive or perhaps in Tatra banka department:

  • insurance rates of your own power to pay back that loan, that will make you certainty in case there is unanticipated occurrences you to definitely commonly stop you from continuous to settle the borrowed funds,
  • assets insurance rates that you could plan considering your position.

What are the repaired rate of interest alternatives of the home Collateral Mortgage TB ?

A choice of a predetermined rate of interest can be acquired for one, 2, step 3, 5, seven and a decade and/or entire mortgage repayment several months.

At the very least two months before the end of one’s repaired attract speed months we’ll contact your on paper and you can allow you to be aware of the the latest rate of interest and the the new repaired rate of interest months. You can choose, whether you:

  • undertake brand new interest rate and also the fixed-rate several months,
  • accept the offer to give otherwise reduce the brand new repaired-rate months as well as the i thought about this associated rate of interest.

How does the visit inside the Tatra banka go ahead whenever attracting new loan? What the results are during the first conference?

Appointment is the 1st step to discover the mortgage. Agenda a night out together to suit your fulfilling thru Dialogue Real time *1100. Our very own home loan lenders is borrowing benefits. You will learn regarding done provide away from financing situations during the the initial conference after which it might be up to you to combine the financing for the brand new home, auto loan, cottage or property refurbishment.

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