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Home Small loan

Agreement fee 0 €!

Bigger renovations or a new home?

Special offer! Save at least €100, because the agreement fee €0*

The loan is suitable for construction, renovation and repairs, as well as purchasing a summer home or a plot of land.

  • Loan from €5000 to €20,000.
  • No collateral or down payment required.
  • If you are using the loan for repairs, the real estate must be in your name.
  • No monthly service fees.
  • Interest from 7.9%

NEW! If you want to buy a heat pump or solar panels, the loan for solar panels may be suitable for you.


* The agreement fee offer is valid for applications that are submitted between 21.03.–30.04.2024.

KredEx reconstruction grant for small residences

Also, find out if you can use the KredEx grant. The Home Small Loan is well suited to cover the costs of reconstruction works.

Read more on the KredEx webpage
Fill in an application in 2 min Get personalized offer Sign the agreement via internet bank

Basis for the calculation

The data provided by the calculator is for information only, however it gives you an idea of what could be the size of your monthly loan payments.

The possible monthly payments for the loan are calculated on the following assumptions:

  • loan amount - 0
  • loan period -  
  • first monthly payment - starting from the second month after agreement conclusion;
  • fixed interest rate - the interest rate varies on case-to-case basis, in the example - 0 %;
  • contract fee -  ;
  • total sum of credit -  ;
  • annual percentage rate (APR*) -   %;

*Krediidi kogukulu, mis on väljendatud aastase protsendimäärana krediidisummast või krediidi ülempiirist.
Määr on arvestatud eeldusel, et põhiosa ja intress makstakse tagasi igakuiste annuiteetmaksetena.

Examples of the annual percentage rate

Home small loan

The annual percentage rate is 9,81% on the following (example) conditions:

  • loan of €11 000;
  • fixed interest rate of 8,9%;
  • contract fee of €110;
  • repayment period of 6 years;
  • number of repayments 72;
  • the sum of repayments €14 295,95;
  • the total cost of the credit €3 405,95;
  • the total sum of the credit €14 405,95.

The rate is calculated on the assumption that the amount of credit is being issued immediately and in full.

Home small loan calculator

Monthly payment:

  • 0
  • 0
  • 0
  • 0
  • 0

Insurance against borrower's unemployment and incapacity for work helps you to pay the monthly loan payments, if for more than 30 days you:

  • unexpectedly lose your job
  • stay on sick leave due to your or your child‘s illness

The insurance agreement can be concluded only 30 days after signing the loan agreement.

  • 0
  • 35
  • 0

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

The insurance service is provided by Swedbank P&C Insurance AS.

Regular net monthly income at least €650, with a co-borrower at least €1100. Average income in the last 6 months. If you are applying with a co-borrower, add their monthly income too. Fill in how much on average you spend each month on existing obligations (loans, leases, instalments, etc.). If you are applying with a co-borrower, add their monthly obligations too.
  • 0

The data provided by the calculator is for information only, however it gives you a picture of what could be the amount of your loan. Fill out the loan application and find out the terms of loan offered specifically to you.

  • Perfect if you are planning major repairs at home, construction works or looking to renovate other immovable property in your name.
  • Suitable for purchasing an apartment, summer house, plot of land, a parking space or garage.

The Home Small Loan has a lower rate of interest rate compared to the regular Swedbank Small Loan.

4 easy steps to apply

  1. Fill out the application in the Internet Bank or the Swedbank app.
  2. We will inform you about the decision by phone or via SMS message.
  3. Sign the agreement.
  4. The money will be transferred to your account after the agreement has been signed.
  • Home small loans from €5,000 to 20,000.
  • Annual interest from 7.9%. This depends on your income, commitments, the amount of loan and consumer’s credit history, etc. Interest is calculated on the loan balance.
  • Contract fee is 1% of the loan amount; minimum €100.
  • No need for a down payment or collateral.
  • Your monthly income must be at least €650 – or at least €1100 with a co-applicant.
  • A 6-month bank statement is required if your income is not deposited in Swedbank.
  • If you are using the loan to perform repairs, construction or renovations, the precondition for receiving a loan is that the immovable property has been entered in the land register in the name of the borrower.
  • If you are buying immovable property or a plot of land, you must register it in the name of the borrower in the land register within 90 days after signing the loan agreement.
  • Repayment of the loan amount will take place on the basis of an annuity schedule, within the agreed upon term, by means of pre-determined monthly payments.
  • The loan term may be from 6 months to 10 years.
  • You can repay the loan prematurely (either in part or in full) without any additional fees.
  • If you would like a grace period or if you have encountered difficulties in repaying your loan, let us know and together we will find a suitable solution for you. Read more about solutions.


Effective as of 01.09.2023
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

document Pre-contractual information of small financing products and leasing

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