The user Mortgage TB plus the Domestic Guarantee Financing TB disagree in 2 extremely important parameters, particularly maturity and you can interest rate:

Can i extremely make use of the funds from property Collateral Mortgage TB to have something?

The whole amount of a property Equity Financing TB was a good financing for goal, meaning that there are not any conditions to help you file any mission while the money from the house Security Financing TB are made use of at the sole discretion. The actual only real exception to this rule try a situation if you are using the house security financing to settle almost every other loans in this instance you must pay those financing and you will people remaining area of the loan can be used for purpose.

What’s the difference between the consumer mortgage TB in addition to Home equity mortgage TB ?

The user Mortgage TB a loan with an interest speed from 5.nine % p. good. and you will readiness period max. 8 years,

The home Guarantee Financing TB a loan with an interest rates off 2.59 % p. a beneficial. that have one year obsession and you may readiness twenty years.

May i repay our home Collateral Financing TB very early?

Sure, the home Collateral Loan TB is generally repaid early, even rather than a fee, into the big date of your own end of the fixed-focus several months. A customer may also offer an amazing deposit one per year to the fresh 20 % of one’s mortgage dominating free of people charges. Together with those two possibilities, the costs regarding early repayment should not surpass 1 % of very early repaid number towards the houses financing.

Exactly what requirements create I need to fulfill if i want to bring a property Security Loan TB ?

• lowest ages 18 ages,
• records regarding current net monthly money from five hundred EUR or even more,
• mortgage doing the maximum amount of 80 % of the pledged property,
• limit cost chronilogical age of 2 decades,
• a substitute for use the main mortgage to expend charge (loan percentage and making sure expert comparison of one’s apartment due to Tatra banka),
• pledging of the construction property as the coverage.

Will there be any insurance readily available easily am struggling to repay the house Guarantee Mortgage TB ?

Sure, there was. When you look at the collaboration on UNIQA insurance company you can plan the fresh new adopting the via telephone solution Dialogue Real time or perhaps in Tatra banka branch:

• insurance coverage of your capacity to repay a loan, that can leave you certainty in case there are unforeseen situations one to tend to stop you from persisted to repay the mortgage,
• possessions insurance rates to strategy according to your needs.

Which are the repaired interest rate selection of the home Security Loan TB ?

A choice of a predetermined interest rate can be acquired for starters, dos, 3, 5, eight and you may ten years and/or entire loan installment several months.

No less than a couple months through to the avoid of repaired attention speed months we are going to contact your in writing and you can enable you to be aware of the the new interest and the latest fixed rate of interest several months. You might pick, if you:

• deal with new interest additionally the repaired-speed period,
• deal with the deal to increase otherwise shorten the new fixed-rate months and the associated interest rate.

How come this new appointment in Tatra banka just do it when attracting the loan? What are the results at very first meeting?

Appointment ‘s the initial step to find the loan. Plan a romantic date to suit your meeting via Dialog Real time *1100. The home loan bankers are credit gurus. You will see regarding the over give away from financing issues from the the first conference and then it could be your responsibility to mix the credit for the new home, Central City loans car finance, bungalow or assets refurbishment.