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Home equipment loan

Until December 2021 CSN had a home equipment loan for refugees who had been registered as part of a municipal refugee reception programme. The Swedish parliament has decided to terminate the option to apply for home equipment loans, effective 1 January 2022. This means that you are no longer able to apply for a home equipment loan from CSN. If you have already been granted a home equipment loan, you are to continue making repayments on this loan as normal. Here you can read about repaying your home equipment loan.

Interest on the loan

CSN charges interest on the money you borrow. In 2022, the interest rate is 1.5 per cent. The interest is calculated from the day you receive the loan until you have repaid the whole debt. This means that when you repay the loan you both need to repay the money you got and the interest. The interest cannot be removed.

Repaying the home equipment loan

You start paying back the loan 2 years after first receiving the money. It takes between 1 and 7 years to repay the loan, depending on how much you borrowed. We will automatically send you paying-in slips when it is time to start making repayments.

We will send 3 paying-in slips at a time. Every time we send the paying-in slips, we will charge a notice fee of SEK 40. This amounts to a total of SEK 120 per year. If you fail to pay your invoices on time, you will also have to pay a reminder fee of SEK 60.

If you want to start making repayments earlier or to make overpayments on the loan

You can start making repayments before two years have passed, if you want. In this case, order the paying-in slips after logging into Mina sidor Hemutrustningslån (My Pages Home equipment loan) here at csn.se.

You can also choose to make overpayments on your loan. In this case, change the amount stated on the paying-in slip. If you want to repay the entire loan in a single payment, please contact us.

If you are having difficulty making repayments

If you are having difficulty making repayments on your loan, you can apply to pay less or to pay nothing at all for a calendar year. CSN will charge interest, even though you are not making payments on the loan. As a result, the debt will be growing when you are not paying.

If you fail to repay your loan

If you fail to make payments in accordance with your payment plan, the following occurs:

  1. We will send you a reminder. You will then have to pay the SEK 60 reminder fee.
  2. If you fail to pay despite receiving the reminder, we will send a new reminder the following month, stating that we can terminate the loan for immediate payment.
  3. If you fail to pay, we will terminate the loan for immediate payment. You will then receive a paying-in slip for the entire debt. Once the loan has been terminated, you will no longer be able to apply for deferred payment.
  4. If you fail to pay a loan that has been terminated, we may forward the claim to the Enforcement Authority (Kronofogden).

Risk of record of non-payment

If your case is handed to the Enforcement Authority, you risk receiving a record of non-payment. Credit report companies issue records of non-payment after they have obtained data from the Enforcement Authority. UC and Kreditfakta are examples of credit report companies.

If you are repaying from abroad

Are you repaying your home equipment loan from another country than Sweden? There are different methods of payment depending on where you live. In some cases, the bank charge a fee for handling the payment.

Repayment of home equipment loans are to be made to CSN’s account at Danske Bank by using Bankgiro number 5201-1053.

Within the EU/EES and Switzerland (payment by IBAN-transfer)

Payments within the EU/EES and Switzerland are made by using the IBAN-number SE2512000000012810111871.

If you have an OCR number, you are to use that as message to recipient. If you do not have an OCR number, use your Swedish personal identity number instead.

In some countries the address to the bank is requested when making a payment abroad. The address is Norrmalmstorg 1, 103 92 Stockholm, Sweden.

Outside the EU/EES (payment by BIC/SWIFT)

Payments from countries outside the EU/EES are made by using BIC/SWIFT to the account number 12810111871 DABASESX.

If you have an OCR number, you are to use that as message to recipient, if you do not have an OCR number, use your Swedish personal identity number instead.

In some countries the address to the bank is requested when making a payment abroad. The address is Norrmalmstorg 1, 103 92 Stockholm, Sweden.

Films about home equipment loan

Appealing against a decision by CSN

If you believe that CSN has reached an incorrect decision, you can appeal against it. CSN must be in receipt of your appeal within three weeks from the date on which you were notified the decision.

How to appeal against a decision

Updated: 2021-12-31
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