The user Loan TB plus the House Guarantee Financing TB differ in 2 essential variables, specifically maturity and you can interest:

Do i need to really use the money from a property Security Financing TB getting anything?

The entire quantity of a house Security Mortgage TB is actually a good financing for all the objective, meaning that there are no conditions so you can file any goal and the try here funds from the house Security Mortgage TB may be used at your best discernment. The only exemption are a posture when you use the home guarantee loan to settle most other financing in this situation you should repay the individuals loans and you can one remaining an element of the mortgage can be utilized for any purpose.

What is the difference in the consumer mortgage TB therefore the Home collateral financing TB ?

The consumer Mortgage TB a loan with an interest speed out-of 5.9 % p. a beneficial. and you can readiness several months max. 8 many years,

The house Collateral Mortgage TB that loan with an intention rates out of 2.59 % p. a good. which have 1 year obsession and maturity twenty years.

Should i pay the home Collateral Loan TB early?

Yes, our home Guarantee Loan TB could be paid off very early, also in place of a charge, into the day of your own end of your repaired-appeal months. A customer may give an amazing deposit one time per year up to brand new 20 % of financing dominating free from any costs. As well as these choice, the costs regarding early installment shouldn’t surpass step 1 % of the early reduced amount for the houses mortgage.

What standards create I need to satisfy basically must simply take property Collateral Loan TB ?

• minimum ages 18 decades,
• files regarding current internet month-to-month money regarding 500 EUR or more,
• mortgage doing just as much 80 % of your sworn possessions,
• limit cost ages of 20 years,
• a substitute for play with area of the loan to invest charge (mortgage commission and you will making sure pro evaluation of apartment using Tatra banka),
• pledging of property possessions given that security.

Could there be any insurance rates offered easily am struggling to pay your house Collateral Mortgage TB ?

Sure, there is certainly. Within the collaboration into the UNIQA insurance company you could potentially strategy the newest following thru telephone services Dialogue Alive or even in Tatra banka part:

• insurance policies of your power to pay financing, that leave you confidence in case of unexpected occurrences you to definitely tend to prevent you from carried on to repay the borrowed funds,
• property insurance rates as possible program based on your position.

Which are the repaired interest rate solutions of the home Collateral Mortgage TB ?

A choice of a predetermined rate of interest exists for example, dos, step three, 5, seven and you may 10 years or perhaps the whole loan payment months.

At the least a couple months before stop of fixed focus rates months we are going to contact you written down and you can enable you to know the brand new interest and the fresh fixed rate of interest months. You can choose, if or not you:

• deal with the fresh interest and the fixed-speed months,
• deal with the deal to extend or shorten the repaired-rate months as well as the associated rate of interest.

How come the brand new consultation for the Tatra banka go-ahead whenever attracting this new mortgage? What happens on basic meeting?

Appointment is the 1st step to find the loan. Schedule a night out together for the appointment via Dialogue Real time *1100. Our very own home loan lenders is actually borrowing from the bank pros. You will learn towards done offer out of loan affairs at the the initial fulfilling and then it could be your choice to combine the credit for your new home, auto loan, bungalow or possessions renovation.