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Home loan

There’s no place like home!

Home loan will be a perfect solution if you need a loan for a new home, serious renovation or construction.

  • Remote process for loan consultation and granting
  • Fast application processing
  • Opportunity to pay back earlier and manage your contract via Internet Banking

New! Planning energy efficient repairs at your house? Learn more about the new financing offer.

Find out your possibilities

Maximum loan amount calculator

Your total monthly payment cannot exceed 50% from your monthly incomes. We recommend You decrease calculated loan amount or consider to change loan term. Dependants are deemed to be children of up to 18 years of age and family members who have no regular income (e.g. a spouse who is on parental leave and does not receive the parental benefit). The income means the wages or other proven remuneration received on the current account. If you take out a loan with a co-applicant, please add your total income to the calculator.
  • 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.
Down payment starting from 15%, with the surety of KredEx from 10%. Down payment may not be needed if you collateralize your own property.
Small loan, credit card, overdraft, line of credit, study loan and other short-term credits

Insure your

  • From  0
  • About   0
  • From  0

Loan

  • 0
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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.

  • For buying new home.
  • For purchasing land plot and building a home.
  • If you wish buy new property before selling the old one.
  • Down payment starting from 15%, down payment is needed.

Apply Home loan

  • For other bigger expenses by collateralizing your own property.
  • For furnishing, remodelling, renovating or buying other properties (e.g. a summer house).
  • Down payment may not be needed if you collateralize your own property.

Apply for home equity loan

  • With the surety of KredEx you can buy property with a smaller down-payment.
  • Minimum down-payment 10%.
  • The surety can be used by young families, veterans, and young specialists of up to 35 years of age.
  • Read more about KredEx from Annex 1 to the pre-contractual information sheet.

Apply Home loan

  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 10,000 €.
  • Loan up to 85% of collateral value.
  • Loan term up to 30 years.
  • Income at least 700 € per month after taxes, at least 950 € per month with a co-borrower.
  • Interest rate consists of individual interest margin and 6-month Euribor.
  • Negative Euribor equals 0.
  • Additional expenses (notary, real estate valuation) and bank fees will apply to your loan.
  • Loan is repayable on the basis of annuity or amortization schedule within the agreed term by pre-determined monthly payments on your chosen payment date.

Calculate notary and state fees

Historical base rate

Fees

 

Effective as of 01.07.2021
Housing loan and Home equity loan
Agreement fee 1% of the loan amount, no less than 190 €
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 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. the amount of 3 months' interest (not applied in case of 3 months' advance notice)
in digital channels 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. the amount of 1 month interest
Fee for processing arrears 3,20 €
Penalty ECB interest rate + 8% a year (currently 0.022% a day, 8.00% 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 0.022% a day, 8.00% 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 in a branch 1,5% of the credit limit, no less than 45 €
Agreement fee in Internet Bank 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 0.022% a day, 8.00% 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 12,90-22,90%
Agreement fee in a branch 1,5% of the loan amount, no less than 50 €
Agreement fee in Internet Bank and Mobile Bank 1,5% of the loan amount, no less than 35 €
Formalization of an additional amount in a branch 1,5% of the additional amount, no less than 50 €
Formalization of an additional amount in Internet Bank 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 0.022% a day, 8.00% 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 7,90-16,90%
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 7,90-14,90%
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

With the self-service feature, you can:

  • change free of charge payment date after the monthly payment has been made;
  • change free of charge payment account;
  • make early partial repayments.

In other cases (applying for a grace period, prolonging the payment term, change or release of additional collateral), fill in the loan agreement application.

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.

A loan suitable for energy efficient solutions in your house.

Life insurance protects your loved ones against difficulties.

Insurance that helps you with loan repayments in case of losing your job or capacity for work.

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

If you have any questions, please contact us at

  • phone(+372) 613 1324 (Mon-Fri 09:00-17:00)

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 56 800
4 526 700
68 43 700
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
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