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Home loan

Examples of the annual percentage rate

Home loan

The initial annual percentage rate is 6,188% on the following (example) conditions:

  • loan of €123 000;
  • total floating interest rate 5,923% per annum, incl margin 1,82% + 6 months' Euribor (as at Oct 16 2023 the 6-month Euribor rate was 4,103%; the rate set out in your agreement may change every 6 months);
  • contract fee of €190;
  • repayment period of 30 years;
  • number of repayments 360;
  • the sum of repayments €265 418,27;
  • the total cost of the credit €142 608,27;
  • the total sum of the credit €265 608,27.

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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There’s no place like home!

Refinance your loan with Swedbank! If your loan balance is more than €100,000, we will pay the notary fees for you and the contract fee is 0 €.*

Read more

  • We will make the home purchase simple for you.
  • Fast application processing
  • Opportunity to pay back earlier and manage your contract via Internet Banking
  • Option to choose between variable or fix interest rate

*The refinance offer is valid for applications submitted between 27.03–31.12.2025.

Start from application Learn your limits Find a home

What are your needs?

Net income should be at least 1000 euros, 1300 euros if taking out the loan with a co-applicant or 1500 euros when having 2 or more dependents. Your current loan liabilities exceed the optimal monthly repayment amount. Mortgage loan is not available to you. Average net income in the last 6 months. €
Small loan, credit card, overdraft, line of credit, study loan and other short-term credits.
  • 0

Results are approximate and may differ from conditions offered to you.

 Your total monthly payment cannot exceed %PERCENTAGE%% from your monthly incomes. We recommend You decrease calculated loan amount or consider to change loan term. Loan sum is too small. Minimum sum is 20 000 euros. €
  • Down payment starting from 15%.
  • Down payment starting from 10% with the surety of KredEx.
  • Down payment may not be needed if you collateralize your own property.
 % € %

Loan

  • €

Insure your

  • from €
  • about €
  • from €

See the examples of the annual percentage rate

Loan and Insurance payment calculations are approximate and may differ from your personal offers. Home insurance and loan payments protection insurance is provided by Swedbank P&C insurance AS. Life insurance is provided by Swedbank Life Insurance SE.

Home exchange is a suitable solution when you wish to swap your current property for a new home. During transitional period, you’ll only pay the interest but for both loans.

€

Loan example

Existing mortgage loan

Transitional period It is the time intended for you to be able to buy and move to the new property, sell the old property and pay off its loan.

Loan for the new property after the transitional period
Balance of loan € €
Period 1 year
Monthly principal repayment 0€ Postponed 0€
Monthly interest payment 0€ 0€ 0€
Total monthly payment 0€ 0€ 0€
​

Results are approximate and may differ from conditions offered to you.
  • For buying a new home or purchasing a plot and building a home.
  • For home exchange, if you wish buy new property before selling the old one.
  • Down payment of at least 15% is needed, preferably in cash but additional collateral is also possible. With an additional collateral, the down payment can be 0%.
  • Smaller, 10% down payment is available for energy-efficient housing buyers, young families, families with many children, veterans, young specialists of up to 35 years of age via EIS (previous KredEx) surety. More on EIS homepage and on Swedbank's pre-contractual information sheet, Annex No 1.

Apply Home loan

  • For other bigger expenses by setting a mortgage on the property.
  • For furnishing, repairing, renovating or buying other properties (e.g. a summer house).
  • Down payment is not necessary if the loan amount market value of the collateral is up to 85% of the market value of the collateral.

Apply for home equity loan

Would you like to refinance your home loan or other real estate secured loan with Swedbank?

  • To do this, fill in the Home Loan application form and select ‘other’ as the purpose of the loan.
  • Enter the balance of the existing loan in the loan amount row.
  • We’ll get in touch with you and help make things go smoothly.

Special offer! If your loan balance is more than €100,000, we will pay the notary fees for you and the contract fee is €0.

The offer is valid for applications submitted between 27.03–31.12.2025.

Campaign Terms and Conditions (PDF)

Apply for re-financing
  1. Determine how much you can expect to borrow based on your current salary and financial commitments.
  2. If you are buying a new home through our real estate partner, ask for a discount code and information about the offer from real estate agent.
  3. Fill in the application on the Internet Banking site and get a consultation.
  4. The bank notifies you of its loan decision.
  5. Sign the loan agreement on the Internet Banking site and set up home insurance.
  6. After the notarial transaction, the bank will disburse the loan.

Any property to be bought and mortgaged must be appraised by an independent valuator.
  • Loan amount from 20,000 €.
  • Loan up to 85% of collateral value (in most cases, the collateral is the property being bought).
  • All loans (including Credit cards and hire purchases) may take up to 50% of your income.
  • Loan term up to 30 years.
  • Income at least 1000 € per month, at least 1300 € per month with a co-borrower.
  • When taking out a loan alone, in the case of more than one dependents, regular income must be at least 1500 € per month.

You can choose between two interest rates.

  • A floating interest rate, where the annual interest rate consists of an individual margin and the 6-month Euribor. The 6-month Euribor changes every 6 months.
  • A fixed interest rate for the first 5 years, where the annual interest rate consists of the 5-year euro interest rate (euro interest rate swap) and an individual margin. After the end of the fixation period, the annual interest rate changes into the floating interest rate agreed in the loan agreement.

You can find base interest rates here

  • The loan must be repaid within the agreed term and on the date of your choice, in monthly instalments on either an annuity schedule, a fixed annuity schedule or a fixed principal instalment schedule.
  • Additional expenses of buying a real estate with a loan (notary fees, state fee, real estate valuation) and contract fee.

Historical base rate

Fees

Effective as of 01.09.2023
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
Interest rate revision 0,5% of the loan balance, no less than 190 €
Additional loan amount 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 0.031% a day, 11.15% a year) ECB interest rate + 8% a year (currently 0.028% a day, 10.15% 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.
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

In the Internet Bank, you can make amendments to your agreement yourself, for example:

  • change the payment date, free of charge;
  • change the payment account from which loan repayments are made, free of charge;
  • make early partial repayments;
  • apply for a grace period;
  • apply for a reduction or extension of the loan term;
  • apply for the release of a supplementary collateral.

Fill in the new loan application if you want to:

  • buy new property before selling old one;
  • apply for an additional loan.

Please note that some changes in the loan agreement are subject to fees.
  • Where to start when applying for a home loan?

    Fill in an online form regardless of whether you are just exploring your options or have found a suitable property. A mortgage adviser will then call you to agree on the next steps. Please note that submitting a loan application does not oblige you to sign a loan agreement but gives the adviser the opportunity to focus more specifically on your loan. Read more about buying a home in this blog post.

  • Where can I get advice on borrowing?

    If you have any questions about the loan or would like to discuss your plans with a mortgage adviser, call 613 1324 on weekdays from 09:00 to 17:00.

    Alternatively, you can fill in a loan application form to specify your wishes. After completing your application, a mortgage adviser will call you to discuss your options and questions.

    The information you provide in your loan application will help the adviser prepare for the call and focus on providing you solutions.

  • What is the maximum home loan amount I can get?

    When reviewing your loan application, we will pay attention to your solvency, collateral and down payment. All three are equally important. You can estimate your solvency with the maximum loan amount calculator, but above all, it is important that you can afford the monthly repayment of the obligation you are taking on.

    Please note that the monthly payments of all loans (including credit card and hire purchase) can form a total of 50% of your income. The loan amount can be up to 85% of the value of the collateral (in most cases, the collateral is the property to be bought). The loan amount can be up to 90% of the value of the collateral if you belong to the EIS (former KredEx) guarantee target group.

  • What can be used as a collateral for a home loan?

    A home loan is a loan secured on real estate and is usually secured by the residential property that is to be bought. If you take out a loan for renovation, the property you are renovating is usually suitable as collateral. In the case of a construction project, the collateral can be the land on which you will build your house and, if necessary, the additional collateral can be a residential property.

    The EIS guarantee is used as additional collateral in cases where you want to take out a loan with a 10% down payment, you meet the conditions of the EIS guarantee and the property is also eligible.

  • How much should the down payment be when applying for a loan?

    To apply for a loan, you need a down payment of at least 15%.

    You can use a 10% down payment if you meet the conditions of the ElS (former KredEx) guarantee.

    A 0% down payment is possible if you use additional collateral, such as a residential property.

  • How to buy a new home if I purchased my current home with a loan?

    If your existing property has been bought with a loan and you want to buy a new one, we offer a home exchange solution. This gives you the opportunity to move to a new home and sell your existing property within a year. This means you temporarily have two loans and two properties. Once the property has been sold, you can use the proceeds to pay off part of the loan on the new property. To make the two loans affordable, you can ask for a payment holiday.

    You can use home exchange even if you do not have a loan on your existing assets.

    Read more about home swaps in this blog post.

  • How does the bank finance building a house?

    When financing a construction project, we finance the entire project until the building is fully completed and we generally issue loans in stages so that the loan amount is clear at the start of the project. This gives the borrower the certainty that the construction will not stop and that they can move in on schedule.

    Read our blog post on house building.

  • What are the extra costs of buying a home, e.g. agreement and notary fees?

    A loan comes with a number of costs, such as an agreement fee, a state fee and notary fees. Transaction costs depend on the amount of the loan, the purchase price and the amount of the mortgage. You can use our notary fee calculator to get a cost estimate.

    In addition to the monthly loan payments, there is compulsory property insurance, but you can also take out life and loan payment insurance if you wish.

  • How can I amend my loan agreement?

    You can easily make many changes to your agreement yourself, for example:

    • change the payment date free of charge;
    • change the current account from which loan payments are made free of charge;
    • repay part of the loan before the due date.

    To make changes, find the 'Edit' button under your loan agreement.

    In addition, you can send a bank message to make an amendment, for example to:

    • request a payment holiday;
    • apply for a reduction or extension of the maturity of the loan;
    • request the release of the additional collateral.

  • How can I change my loan payment date?

    You can change the payment date of your loan free of charge. To do this, log in to the Internet Bank and find the 'Edit' button under your agreement. Note that you cannot change the payment date on the day of payment.

  • How can I repay my loan before the due date?

    The loan can be repaid in full or in part before the due date. You can make payments yourself, either online or on the basis of an application.

    The most convenient way to repay a part or all of your loan is via the Internet Bank, but this requires you to have money in your Swedbank account.

    To make a partial repayment, find the 'Repayment' button under your loan agreement and select the desired repayment amount. If you are unable to make partial repayments yourself in the Internet Bank (for example, on the payment date or if an annuity schedule is fixed in your agreement), you can request an amendment.

    If you want to repay the loan in full after the sale of the property, send us a bank message stating the time and place of the sales transaction. The loan is written off against the proceeds of the sale.

    Please note that early repayment terms and conditions and fees are agreed in the loan agreement. Once you have sent us your loan repayment application in the form of a bank message, we will send you an overview of the calculation of the early repayment fee.

  • How can I sell a property securing a loan?

    If you wish to sell the property securing your loan, please let us know your wish and the date and time of the notary appointment in good time so that the bank's representative can take it into account and mark it in their schedule. In addition, we will inform you of the early repayment fee and how it is calculated.

  • What happens to a loan if people who have taken it out together break up?

    Borrowers are jointly and severally liable for their obligations. In the event of separation, there are two options:

    • borrowers sell the property, repay the loan and, if there is any money left over, split it among themselves;
    • if they both agree to it, one borrower can take over the loan and release the other borrower from the loan agreement. In this case, the borrower taking over the obligation must be solvent enough to pay the full amount of the loan. Usually, both borrowers are also the owners of the property, and in this case the ownership of the property is also changed.

  • How to release or replace a borrower in a loan agreement?

    To do this, send us an application. We will analyse the amendment with the remaining and/or new borrower and sign an annex to the loan agreement. Read our blog article on this.

  • How to apply for a home loan with a co-borrower?

    To do this, one loan applicant must click on 'Fill in application' andthe co-borrower must select 'Apply as co-applicant'. We need the details of both of you and your monthly income. Each loan applicant adds their own details to the application.

    See also: Home loan – Swedbank.

  • How can I declare more than one income on my loan application?

    If you receive a salary from several employers, you can add them together and add a comment that you have multiple sources of income. Alternatively, you can select 'other income' on the application and comment on it.

  • How can I include dividends from my company as income on a loan application?

    Include dividends paid by your company in the income section of the application. If dividends are paid once a year, you can divide your income by 12 when you declare it.

    Dividends can be taken into account as regular income if the company is profitable and has a prospect of a future. We may ask you for company documents, such as an annual report.

  • Can I refinance my loan with Swedbank?

    If you wish to refinance your home loan or another loan secured by real estate in Swedbank, fill in the home loan application, select 'other' as the purpose of the loan, and enter the balance of the existing loan in the loan amount line. We will get in touch with you and help you make things run smoothly.
  • You don‘t have to know how to buy a home – our experts will guide you through it every step of the way.
  • Get the benefits of a Gold Client – if your income is at least €1,500, you will become our Gold Client when you take out a home loan.
  • Flexible loan agreement – you can change your repayment date, make early repayments, etc. in the Internet bank.
  • Home exchange opportunity – you can buy a new home while selling the previous one calmly.
  • Digitally irresistable bank – you can also find insurances, investments and other options in the Internet bank and app.
  • Loads of benefits – ask developers and brokers for our discounts, plus explore the offers of Golden customers.
  • Buying a home is just the beginning – we will help with insurance, furnishing, renovation, all the next steps.

Want to know how much you can lend?

  • Even when exploring possibilities, start with the application and we will call you back!
  • Just need a consultation? (+372) 613 1324 (Mon-Fri 09:00-17:00).
Offers are available in Estonian language.
Offer

Home Small loan

For property purchases or bigger renovations up to €20 000.

Special offer! The agreement fee is €0!

Read more

Partner offers

See also offers on household goods and electronics from our partners. Read more

Real estate offers

On the KV.EE portal, you'll find thousands of exciting offers in the city and countryside, in new and historic buildings. Read more

Property appraisers

Real Estate Evaluators accepted by Swedbank to value commercial and residential properties

Real estate company Address Phone

  • 1Partner Kinnisvara

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.1partner.ee
  • 66 84 700
  • 50 46 190
  • 73 66 006

Arco Vara Kinnisvarabüroo OÜ offices

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.arcovara.ee
614 4600
744 2218
447 1430
435 9969
324 0888
357 7227
337 0400

Arco Vara Kinnisvarabüroo OÜ representatives

 514 1045
514 1045
555 222 55
565 076 37
565 076 37
565 076 37
565 076 37
565 076 37
512 4236

Colliers International Advisors OÜ

 616 0777

Domus Kinnisvara Vahendus OÜ

 646 4035
742 3100
443 1154
356 6411
433 4411
453 6433

Eri Kinnisvara OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.eri.ee
606 0077

Kaanon Kinnisvarabüroo OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.kaanon.ee
665 9585
735 0850

Kinnisvaraekspert OÜ

Kinnisvaraekspert Pärnu OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
 626 4250
442 0700

Lahe Kinnisvara

 608 0530
5622 2313
512 4565
5645 8687

LVM Kinnisvara OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.lvm.ee
  • 4 477 000
  • 56 56 8000
452 6044
  • 68 43 700
  • 5694 1700
710 2000

Newsec Valuations EE OÜ

  • Area: whole Estonia
  • Property type: commercial property
  • www.newsec.ee
5346 8308

Ober-Haus Hindamisteenuste OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.ober-haus.ee
6 659 700
7446 500
33 70 768

Pindi Kinnisvara OÜ offices

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.pindi.ee
  • 610 3900
  • 512 0280
482 1408
744 1116
  • 447 1075
  • 521 4985
357 5115
327 7100
452 9500
384 6015
610 3903
433 0111
472 0830
332 7676
786 0936

Pindi Kinnisvara OÜ representatives

 514 9289
5667 9221
504 2164
501 3658
5551 5382

RE Kinnisvara AS

  • Area: Harju- ja Raplamaa
  • Property type: residential and commercial property
  • www.re.ee
6 688 666

Uus Maa Kinnisvarabüroo OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.uusmaa.ee
627 2600
744 1144
442 0380
322 3601
337 9750
520 4955
435 1361
58 14 5068
56 241 810
53 73 0096

Home loan

Do you want an individual or joint Mortgage loan?
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This is a website of companies offering financial services – Swedbank AS, Swedbank Liising AS, Swedbank P&C Insurance AS, Swedbank Life Insurance SE, and Swedbank Investeerimisfondid AS. Before entering into any agreement read the terms and conditions of the respective service. Consult a specialist, where necessary. Swedbank AS does not provide a credit advisory service for the purposes of the Creditors and Credit Intermediaries Act. The borrower makes the decision of taking out a loan, who assesses the suitability of the loan product and contractual terms to his/her personal loan interest, need and financial situation on the basis of the information and warnings presented by the bank and is responsible for the consequences related to concluding the agreement.