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Home Small loan

A new home or refurbishment – now it’s a breeze!

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

  • Loan amount 5000-20 000 €.
  • No mortgage placed on real estate.
  • No down payment required.
  • No monthly service fees.
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Fill in an application in 2 min Get personalized offer Sign the agreement via internet bank

Find a suitable monthly payment

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Apply as co-applicantFill in a loan application
  • Suitable for purchasing a flat, summer house, land plot for garden, parking lot or garage (except for a garage owned by the members of a building association).
  • Perfect for a major repair, much-needed remodel or general home improvements in your owned real estate.
  • Home small loans from 5000 to 20 000 EUR.
  • Register the purchased real estate in your name in the land register within 90 days after signing the loan agreement.
  • Lower interest rate compared to the regular Swedbank small loan.
  • Loan period up to 10 years, so monthly payments may be lower.
  • No collateral required.
  • Choose your preferred payment date.
  • Possibility to apply for a repayment holiday.
  • Money transferred immediately after signing the contract.
  • Property valuation not required.

Land with buildings to be improved has to be registered in your name in the land register and before applying for a loan for repairing, renovating or building purposes.

  1. Fill out the application on the Internet Bank or at any Swedbank branch.
  2. We will inform you about the decision by phone or via SMS message.
  3. If the conditions are acceptable to you, sign the agreement in the Internet bank or Swedbank branch.
  4. We will transfer money to your account immediately after signing the agreement.

Register the purchased real estate in your name in the land register within 90 days after signing the loan agreement. Otherwise, standard consumer credit rate will be applied to your loan.

Income

  • If you take a loan by yourself, your income must be at least 500 EUR per month after tax.
  • If you take a loan with co-borrower, total income of a family (co-borrower) must be at least 950 EUR per month after tax.
  • You must be earning a steady income for at least 6 consecutive months and your probation period must be over.

Obligations

  • Monthly expenses for covering your credits must not exceed 40% of your monthly income.
  • No outstanding credits in Swedbank or other creditors or outstanding bills.
  • Be ready to submit the the official documents evidencing the receipt of the income if the expected source of repayment is not a salary/wages.
  • Interest rate start from 7,9% depending on the sum of the loan, consumer’s credit history, etc.
  • Interest is paid from the total outstanding amount of the loan granted.
  • Contract fee 1% of loan amount; at least 100 EUR.
  • Loan must be repaid on the basis of annuity schedule within the agreed term by means of pre-determined monthly payments on your determined payment date.
  • Loan term from 6 months to 10 years.
  • Possibility to make early repayments.

If you encounter any difficulties in repaying your loan, it is essential that you contact us immediately so that your payment history remains positive. See the possibilities and together we will find a suitable solution for you.

Acquaint yourself with different solutions

 

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
Pre-contractual information of small financing products and leasing

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