| 1. 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 € |
| loan principal repayment holiday |
free of charge |
| amendment of the payment date (in branch or in Internet Bank) |
free of charge |
| 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 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 Internet Bank
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.
|
| 2. Student loan |
| first application (in the 2020/2021 academic year) |
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)
|
7 € |
| 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 |
compensation for prepayment of the loan amount or a part thereof
If the collateral is property, the amount of the compensation may not be bigger than the amount the
borrower would have paid as interest in the period between the prepayment date and the loan maturity
date.
Applies to the agreements concluded since 01.07.2011.
|
1% of the prepaid loan amount or the part thereof if the period between the prepayment date and the loan
maturity date is longer than one year
|
compensation for prepayment of the loan amount or a part thereof
If the collateral is property, the amount of the compensation may not be bigger than the amount the
borrower would have paid as interest in the period between the prepayment date and the loan maturity
date.
Applies to the agreements concluded since 01.07.2011.
|
0.5% of the prepaid loan amount or the part thereof if the period between the prepayment date and the
loan maturity date does not exceed one year
|
| 3. 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 (i.e. there is an offer) |
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 |
| 4. 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 (i.e loan agreement concluded based on an offer) |
1,5% of the loan amount, no less than 35 € |
| formalisation of an additional amount in a branch |
1,5% of the additional amount, no less than 50 € |
| formalisation 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 |
| 5. 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 point 4
|
| 6. Home small loan |
| annual interest rate |
7,90-14,90% |
| agreement fee |
1% of the loan amount, no less than 100 € |
| formalisation of an additional amount |
1% of the additional amount, no less than 100 € |
| amendment of the interest rate |
50 € |
| other fees |
according to point 4
|
