Home loans

Come to consultation! We will contact you within a single business day.

I'd like a personal offer.

Which loan to choose?

Loan amount
Purpose
Term

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

 

Home loan

Home equity loan

Home Small loan

Monthly payment      
Purpose Buying or building a home Buying or building a home;
furnishing or renovation
Buying or building a home;
furnishing or renovation
Interest rate interest rate + floating base rate interest rate + floating base rate Fixed
Term Up to 30 years Up to 20 years Up to 10 years
Loan amount Starting from 10 000 euros Starting from 10 000 euros 5000 - 20 000 euros
Self-financing With an additional collateral 0%, without an additional collateral at least 10% Not required Not required
Collateral Collateral needed Collateral needed Collateral is not needed
Net income At least €600 per month. Aalong with a co-applicant together at least €800 a month. At least €600 per month. Along with a co-applicant together at least €800 a month. At least €600 per month. Along with a co-applicant together at least €800 a month.
Insurance Mandatory Mandatory Recommended
  Fill in application Fill in application Fill in application

Why get a home loan from Swedbank?

  • We provide assistance during the entire process of buying a new home. From selecting a suitable loan sum to the transaction itself.
  • We provide consultations over the phone and at bank branches.
  • You can also sign a loan contract electronically
  • Self-service on the internet bank, where you can conveniently: see the signed contract and make changes to it, make early loan repayments, partially or in full.

Insurance that suits you best

Home insurance
Insure your home from virtually all threats with one contract. In case of damage, we will compensate the cost of restoring your home in the extent of an unlimited sum. Excess is a mere € 90 and no excess applies when changing locks.

Loan insurance and loan payment protection
Loan insurance helps you or your close ones meet home loan payments in unexpected situations.

Life insurance
Depending on the insurance sum, an if you lead a healthy life, the monthly payment of insurance may be up to 25% cheaper. You can also get trauma protection, which can be very beneficial, with your life insurance.

Read more about insurance

Frequently asked questions

  • What must I do to receive a loan?

    To receive a loan, you must submit a loan application. You can do that in the Internet Bank or in any other office of Swedbank. We will review your application within two-three working days.

  • How to buy real property with a loan?

    At first you should ask the bank in which amount you can take a loan and what the reasonable amount of the loan is. This requires an assessment of both the repayment possibilities as well as the part of self-financing. Then it is a good time to start looking for suitable real estate. When it has been found, you should submit a specific loan application. If the terms and conditions are suitable for both parties, a loan agreement will be made and an agreement of purchase and sales of real estate and establishment of mortgage will be formalised.

  • How to replace my current home with the help of a loan?

    • If your current home has been bought with a loan, it is possible at first to buy a new home and then sell the old one. For the period when you have taken a loan for both properties, we offer you a grace period, if necessary, in order for the loan payments to be more affordable. In the case of this solution it is important that you could sell your current property within a reasonable period of time.
    • If your current home is not tied to a loan, you can buy a new home using both your current as well as new property as collateral and then start selling the current one. The amount received from the sales is used to pay either the entire amount of the loan or a part of it, depending on the amount.
  • How does the bank finance building a house?

    We finance a construction project according to the cost of the whole project and generally we grant a loan for building by stages so that the amount of the loan is known at the beginning of the project. This will provide you with assurance that the construction will be completed and you can move in to your house at the planned time.

  • Can I receive a loan at all and in which amount?

    The amount of loan must, above all, be affordable for you. Generally, the percentage to be spent on loan payments may be 30-45% of your income.

  • How big are the transaction costs when buying a home?

    When taking a loan, you should take into account both the self-financing as well as the fact that the agreement fee, notary fee and state fee must also be paid immediately upon entry into the agreement. Transaction costs depend on the purchase price and the amount of loan and mortgage. A bank employee will inform you of the exact amount of the costs. In addition, you should be ready to insure your collateral immediately after the establishment of mortgage.