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Home loans comparison

To ensure a convenient and smooth home purchase

If you want to build, furnish or purchase a home, you will be provided with the best and fastest service from us. We will respond to your application within 2 business days. If you have any questions, please contact us at (+372) 613 1324.

Calculate Your limit for the loan and start Your application.

Calculation is approximate and may differ from your personal small loan offer.

Home loan

Home equity loan

Home Small loan

Monthly payment
Purpose Buying or building a home Buying or building a home;
furnishing or renovation
Buying or building a home;
furnishing or renovation
Interest rate interest rate + floating base rate interest rate + floating base rate Fixed
Term Up to 30 years Up to 20 years Up to 10 years
Loan amount Starting from 10 000 euros Starting from 10 000 euros 5000 - 20 000 euros
Self-financing
  • With an additional collateral 0%;
  • Without an additional collateral at least 15%;
  • With surety of KredEx 10%.
  • With an additional collateral 0%;
  • Without an additional collateral at least 15%.
Not required
Collateral Collateral needed
  1. Suitable collateral is immovable real estate.
  2. If needed, KredEx housing loan guarantee as additional collateral.
Collateral needed
  1. Suitable collateral is the property that has generally already been bought out or whose value is considerably larger than the current loan liability.
  2. If needed, KredEx housing loan guarantee as additional collateral.
Collateral is not needed
Insurance Mandatory Mandatory Recommended
If you want to take a loan, please submit an application so that we can make you a personal offer. Calculate and apply
Please call us if you want quick information about loans or your loan options. +372 613 1324 (Mon–Fri 9.00–17.00) +372 613 1324 (Mon–Fri 9.00–17.00)

Swedbank home loans benefits

  • An opportunity to perform all loan-related operations in one place

    The Internet Bank always provides an excellent overview of all your agreements and other financial issues. Client managers are ready to counsel you on various banking issues.

  • Integral property insurance

    Swedbank home insurance is an integral solution that provides your home with an insurance cover from the foundation to the chimney.

Insurance that suits you best

Home insurance
Insure your home from virtually all threats with one contract. In case of damage, we will compensate the cost of restoring your home in the extent of an unlimited sum. Excess is €190 and no excess applies when changing locks.

Loan insurance and loan payment protection
Loan insurance helps you or your close ones meet home loan payments in unexpected situations.

Life insurance
With life insurance you will create financial security for yourself and your family. It’s a simple step that shows how much you care and it only takes a few minutes on the Internet Bank.

Read more

To receive a loan, you must submit a loan application. You can do that in the Internet Bank or in any other office of Swedbank. We will review your application within two-three working days.

At first you should ask the bank in which amount you can take a loan and what the reasonable amount of the loan is. This requires an assessment of both the repayment possibilities as well as the part of self-financing. Then it is a good time to start looking for suitable real estate. When it has been found, you should submit a specific loan application. If the terms and conditions are suitable for both parties, a loan agreement will be made and an agreement of purchase and sales of real estate and establishment of mortgage will be formalised.

  • If your current home has been bought with a loan, it is possible at first to buy a new home and then sell the old one. For the period when you have taken a loan for both properties, we offer you a grace period, if necessary, in order for the loan payments to be more affordable. In the case of this solution it is important that you could sell your current property within a reasonable period of time.
  • If your current home is not tied to a loan, you can buy a new home using both your current as well as new property as collateral and then start selling the current one. The amount received from the sales is used to pay either the entire amount of the loan or a part of it, depending on the amount.

We finance a construction project according to the cost of the whole project and generally we grant a loan for building by stages so that the amount of the loan is known at the beginning of the project. This will provide you with assurance that the construction will be completed and you can move in to your house at the planned time.

The amount of loan must, above all, be affordable for you. Generally, the percentage to be spent on loan payments may be 30-45% of your income.

When taking a loan, you should take into account both the self-financing as well as the fact that the agreement fee, notary fee and state fee must also be paid immediately upon entry into the agreement. Transaction costs depend on the purchase price and the amount of loan and mortgage. A bank employee will inform you of the exact amount of the costs. In addition, you should be ready to insure your collateral immediately after the establishment of mortgage.

Calculators

Useful links

With home insurance your home is protected both against everyday incidents as well as greater risks.

When taking a home loan, also conclude a credit-life insurance contract in order to protect your loved ones against difficulties.

kv.ee logo

Are you looking for a new home? You can find a lot of great offers from the portal KV.EE.

Home loan

The initial annual percentage rate is 2,331% on the following (example) conditions:

  • loan of €72 000;
  • floating interest rate 2.20% per annum + 6 months' Euribor (as at 13.04.2017 the 6-month Euribor rate was -0,246%; the rate set out in your agreement may change every 6 months; negative Euribor equals to zero);
  • contract fee of €720;
  • repayment period of 30 years;
  • number of repayments 360;
  • the sum of repayments €99 571,67;
  • the total cost of the credit €26 851,67;
  • the total sum of the credit €100 291,67 .

The rate is calculated on the assumption that the amount of credit is being issued immediately and in full and that the basic amount and interest will be repaid as monthly annuity payments. The loan agreement is secured with a mortgage. Upon taking a loan, a home insurance contract must be entered into. The rate does not include costs associated with the establishing or insuring of collaterall.

Home equity loan

The initial annual percentage rate is 4,287% on the following (example) conditions:

  • loan of €29 000;
  • floating interest rate 4% per annum + 6 months' Euribor (as at 13.04.2017 the 6-month Euribor rate was -0,246%; the rate set out in your agreement may change every 6 months; negative Euribor equals to zero);
  • contract fee of €290;
  • repayment period of 15 years;
  • number of repayments 180;
  • the sum of repayments €39 061,28;
  • the total cost of the credit €9 771,28;
  • the total sum of the credit €39 351,28.

The rate is calculated on the assumption that the amount of credit is being issued immediately and in full and that the basic amount and interest will be repaid as monthly annuity payments. The loan agreement is secured with a mortgage. Upon taking a loan, a home insurance contract must be entered into. The rate does not include costs associated with the establishing or insuring of collateral.

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