The user Financing TB together with House Security Loan TB differ in two very important variables, particularly readiness and you can interest rate:

Ought i most make use of the money from a home Guarantee Mortgage TB to possess some thing?

The whole number of property Security Loan TB is a good loan for mission, for example there are no conditions to document any objective and money from the house Equity Loan TB could be made use of at your just discernment. Truly the only exception to this rule are a posture if you utilize our home security mortgage to settle other funds in cases like this you should pay-off those money and you may one leftover part of the mortgage can be utilized when it comes to purpose.

What is the difference in an individual mortgage TB and also the Home security financing TB ?

The consumer Loan TB financing with an intention price off 5.9 % p. a great. and you may readiness period maximum. 8 decades,

Our home Collateral Loan TB financing with an intention price from dos.59 % Minturn loans p. a great. which have one year fixation and readiness twenty years.

Am i able to pay-off the home Security Loan TB early?

Sure, our home Guarantee Mortgage TB are paid down very early, even in place of a fee, to the big date of one’s stop of your repaired-attract several months. A consumer can also provide an amazing deposit one per year to the 20 % of your financing principal free of any costs. And additionally those two choices, the costs of very early repayment cannot surpass step 1 % of your own very early paid down amount into homes loan.

What criteria carry out I have to meet basically have to simply take a home Equity Financing TB ?

• lowest age 18 many years,
• documentation from newest internet month-to-month money out-of five-hundred EUR or higher,
• mortgage as much as the maximum amount of 80 % of one’s bound property,
• restriction repayment age of two decades,
• a substitute for fool around with area of the financing to spend charges (loan payment and you can ensuring professional review of flat by way of Tatra banka),
• pledging of homes property given that protection.

Can there be any insurance coverage available if i am not able to pay off the home Guarantee Mortgage TB ?

Yes, there was. Within the collaboration into UNIQA insurance provider you can program the fresh new following via cell services Dialogue Alive or perhaps in Tatra banka branch:

• insurance coverage of ability to pay a loan, that will make you certainty in case of unexpected occurrences you to often prevent you from persisted to settle the mortgage,
• assets insurance as you are able to plan according to your needs.

Exactly what are the fixed rate of interest alternatives of the house Guarantee Loan TB ?

The option of a fixed interest can be found for example, 2, step three, 5, seven and you can 10 years and/or whole mortgage payment months.

At the least a couple months before end of one’s repaired attract price several months we’ll contact you in writing and you will enable you to be aware of the the new interest together with new fixed rate of interest months. You can determine, whether or not your:

• take on the fresh new rate of interest and the fixed-rates period,
• accept the deal to give otherwise shorten new fixed-rate months together with relevant rate of interest.

How come the visit when you look at the Tatra banka just do it when attracting the fresh loan? What happens at the first appointment?

Visit is the first faltering step to find the mortgage. Agenda a night out together for your meeting thru Dialogue Alive *1100. Our home loan bankers is borrowing from the bank pros. You will observe concerning over provide out-of financing factors from the the first meeting right after which it could be your responsibility to mix the financing for your brand new home, auto loan, bungalow otherwise property renovation.