Navigate to main page content
Become a customer

Home Small loan

Bigger renovations or a new home?

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 security 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.

Fill in an application in 2 min Get personalized offer Sign the agreement via internet bank

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
  • 0
  • 35
  • 0
Calculation is approximate and may differ from your personal small loan offer.
  • 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 €600 – or at least €1000 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

You might be interested in

Compare loans and find the one that is right for you.

Interest for the first two years is 0% + 6 months’ Euribor.

A loan suitable for energy efficient solutions in your house.

Loan that can help you to fulfil your plans!

Swedbank logo

Internet Exploreriga ei saa internetipanka avada.

Palun kasuta Google Chrome’i, Mozilla Firefoxi või Microsoft Edge’i.

Alates 23. märtsist ei ole võimalik Internet Exploreri veebibrauseri kaudu Swedbanki internetipanka avada.

Internet Exploreri kaudu ei saa teha ega kinnitada Swedbanki makseid ka teistel veebilehtedel.

Soovitame kasutada Internet Exploreri asemel Google Chrome’i, Mozilla Firefoxi või Microsoft Edge’i uusimat versiooni. Nende seadistamise juhendid leiad siit.

С 23.03.2021 Интернет-банк Swedbank недоступен в браузере Internet Explorer.

С помощью Internet Explorer невозможно авторизоваться или осуществлять платежи через Swedbank на сторонних веб-страницах.

Вместо браузера Internet Explorer мы рекомендуем использовать браузеры Google Chrome, Mozilla Firefox или Microsoft Edge. Инструкции по установке упомянутых браузеров можно найти здесь.

From 23.03.2021 Swedbank Internet Bank and Banklink is no longer available using Internet Explorer browser.

It is not possible to authorize or make payments from Swedbank on other web pages using Internet Explorer.

Instead, we suggest using Google Chrome, Mozilla Firefox or the newest version of Microsoft Edge. To find out how to install the suggested browsers, please click here.

Klienditugi - Инфо и помощь - Customer service: +372 6 310 310

  • Teie operatsioonsüsteem ja veebilehitseja ei ole kaasaegne ega toetatud Swedbank internetipanga poolt. Palun uuendage oma operatsioonsüsteem ja veebilehitseja või pöörduge vastava IT tehnilise spetsialisti poole.
  • The operating system of your device & your browser are too outdated to be supported by Swedbank Internet Bank. Please, update the operating system & browser or turn to IT specialist for technical help.
  • Ваш браузер или операционная система недостаточно современны для использования в интернет банке Swedbank. Пожалуйста обновите операционную систему и браузер или обратитесь за технической помощью к ИТ специалисту.

You have been logged out from Internet bank

For extra security close the browser window. If you wish to continue using Internet bank, please log in again.