An individual Loan TB additionally the Domestic Collateral Financing TB disagree in two extremely important variables, particularly readiness and you can interest:

Do i need to extremely use the money from property Collateral Mortgage TB to own things?

The complete number of a property Collateral Loan TB was a mortgage when it comes to objective, for example there are no conditions so you can document one purpose and also the money from the home Guarantee Financing TB is generally utilized at the best discernment. The actual only real exemption are a situation if you utilize the house collateral financing to repay other loans in this situation you should pay-off men and women finance and you may one remaining an element of the mortgage can be used for purpose.

What is the difference in the user loan TB as well as the Household collateral loan TB ?

An individual Financing TB financing with an intention rate regarding 5.9 % p. a good. and maturity period maximum. 8 age,

The house Collateral Loan TB that loan with an intention speed from dos.59 % p. a beneficial. which have one year obsession and you may maturity twenty years.

Could i pay-off the home Collateral Loan TB very early?

Sure, the home Security Financing TB tends to be reduced very early, actually rather than a fee, into the time of your prevent of your fixed-appeal period. A person may bring an amazing put one per year doing the fresh new 20 % of one’s financing dominating without loan places Ovid one charges. In addition to these two solutions, the expenses out-of very early fees shouldn’t surpass 1 % of early paid back number with the houses loan.

Just what requirements carry out I want to meet easily need to just take a property Collateral Mortgage TB ?

• minimum age 18 many years,
• paperwork out-of newest net monthly income away from five hundred EUR or higher,
• loan doing just as much 80 % of pledged assets,
• limitation installment ages of 2 decades,
• a substitute for fool around with area of the loan to blow fees (loan percentage and making sure expert research of flat using Tatra banka),
• pledging of your own homes possessions once the safety.

Can there be people insurance policies offered easily in the morning struggling to pay-off the home Guarantee Loan TB ?

Sure, discover. For the collaboration into UNIQA insurance carrier you could potentially arrange the brand new adopting the through cellphone solution Dialog Real time or in Tatra banka branch:

• insurance coverage of power to repay financing, that may leave you confidence if there is unexpected situations you to have a tendency to prevent you from continued to repay the mortgage,
• assets insurance policies you could program predicated on your circumstances.

Exactly what are the fixed interest solutions of the property Security Financing TB ?

The option of a fixed interest can be acquired for example, 2, step 3, 5, 7 and ten years or the whole financing installment months.

At the very least a few months till the avoid of your repaired interest rate period we shall contact your written down and enable you to be aware of the the latest interest rate and also the the fixed interest rate months. You could potentially pick, whether you:

• take on the latest rate of interest in addition to repaired-price period,
• take on the deal to give or shorten this new repaired-speed months therefore the related interest.

Why does the appointment during the Tatra banka just do it when attracting this new mortgage? What goes on during the first meeting?

Session is the first step to get the mortgage. Agenda a date for your meeting through Dialogue Real time *1100. Our mortgage lenders are borrowing from the bank professionals. You will see in regards to the complete give of financing things during the the first appointment right after which it would be for you to decide to mix the financing for your new home, car finance, cottage or property renovation.