| Housing loan and Home equity loan |
| Agreement fee |
1% of the loan amount, no less than 190 €
(no less than 400 € when financing construction)
|
| KredEx collateral fee |
3 % of the surety amount |
| Amendment of the agreement |
190 € |
| excl. loan principal repayment holiday |
95 € |
| excl. amendment of the payment date (in branch or in Internet Bank) |
free of charge |
| excl. amendment of the servicing account (in branch or in Internet Bank) |
free of charge |
| Lowering the interest rate, formalisation of an additional sum |
1% of the loan amount, no less than 190 €
|
| Early repayment fee (including partial repayment) |
|
in a branch
Euro interest loans concluded before 2022
In the event of early repayment of a fixed-interest euro loan in the course of the period of fixation of the
loan interest rate, an early repayment fee is charged as a difference between the contractual fixed interest
rate of the euro and the fixed interest rate of the euro in the period from the early repayment until the end of
the interest rate fixation. The early repayment fee is calculated on the respective period as from the date of
early repayment until the contractual date of expiry of the fixation.
Euro interest loans concluded since July 2022
The early repayment fee is 1% of the loan amount to be repaid if the period between the early repayment and the
fixation period repayment date is longer than one year and 0.5% if the period does not exceed one year. More
detailed conditions for determining the fee are provided in the loan agreement.
|
the amount of 3 months' interest (not applied in case of 3 months' advance notice)
|
|
in digital channels (not fixed interest rate loans)
|
the amount of 1 month interest |
| Fee for processing arrears |
3,20 € |
| Penalty |
ECB interest rate + 8% a year (currently 0.029% a day, 10.50% a year)
The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest
rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice
a year (on January 1 and July 1) if the ECB interest rate has changed.
|
| Student loan |
| First application |
free of charge |
| First application via the Internet Bank |
free of charge |
| Refinancing |
7 € |
|
Amendment of the repayment schedule (frequency of repayment and amendment of the due date of the
schedule)
|
free of charge |
| Preparation of a special schedule |
16 € |
| Penalty |
ECB interest rate + 8% a year (currently 0.029% a day, 10.50% a year)
The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest
rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice
a year (on January 1 and July 1) if the ECB interest rate has changed.
|
|
Default interest after the due date of the loan (i.e. after termination of the agreement by the bank)
|
annual interest rate under the agreement |
|
Early repayment fee (including partial repayment)
|
free of charge |
| Credit line |
| Annual interest rate |
13-22% |
| Agreement fee |
1,5% of the credit limit, no less than 35 € |
| Commitment fee |
1,2% of the unused credit limit (annual rate) |
| Automatic credit limit extension fee |
free of charge |
| Increasing the credit limit |
1% of the additional credit limit, no less than 35 € |
| Credit limit reduction fee |
free of charge |
| Amendment of the payment date |
free of charge |
| Amendment of the servicing account |
free of charge |
| Early termination of the agreement |
free of charge |
| Penalty |
ECB interest rate + 8% a year (currently 0.029% a day, 10.50% a year)
The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest
rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice
a year (on January 1 and July 1) if the ECB interest rate has changed.
|
|
Default interest after the end term of the agreement (i.e. after termination of the agreement by the
bank)
|
annual interest rate under the agreement |
| Small loan |
| Annual interest rate |
starting from 9,90% |
| Agreement fee |
1,5% of the loan amount, no less than 35 € |
| Formalization of an additional amount |
1,5% of the additional amount, no less than 35 € |
| Amendment of the agreement |
25 € |
| Amendment of the payment date |
free of charge |
| Amendment of the servicing account |
free of charge |
| Re-registration of loan products into a small loan |
1,5% of the loan amount, no less than 35 € |
| Repayment of the loan (including partial repayment) |
free of charge |
| Penalty |
ECB interest rate + 8% a year (currently 0.029% a day, 10.50% a year)
The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest
rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice
a year (on January 1 and July 1) if the ECB interest rate has changed.
|
|
Default interest after the due date of the loan (i.e. after termination of the agreement by the bank)
|
annual interest rate under the agreement |
| Car loan |
| Annual interest rate |
starting from 7,90% |
| Agreement fee |
1,5% of the loan amount, no less than 100 € |
| Amendment of the interest rate |
50 € |
| Other fees |
according to small loan price list
|
| Home small loan |
| Annual interest rate |
starting from 7,90% |
| Agreement fee |
1% of the loan amount, no less than 100 € |
| Formalization of an additional amount |
1% of the additional amount, no less than 100 € |
| Amendment of the interest rate |
50 € |
| Other fees |
according to small loan price list
|
