Solutions in case of payment difficulties

We made it easier to apply for a grace period

Due to the emergency situation, Estonian banks have agreed on uniform rules for granting grace periods to support clients who are experiencing solvency issues during these difficult times. The jointly agreed procedure for granting grace periods will be applicable to agreements concluded before 12 March 2020. Grace period applications may be submitted until 29 September 2020. Read more

  • Submit the grace period application before falling into debt due to overdue loan payments.
  • The grace period does not involve additional fees and your interest rate will not change.
  • If you have lost your job and you have valid loan protection insurance, the loan payments will be covered by the insurance. Submit a claim notice here.

Grace period

  • You can apply for a grace period of up to 6 months or up to 1 year in case of home loans.
  • The length of the loan period will not change.
  • The grace period will be applied to the principal amount of the loan; you will still need to make interest payments every month.
  • The amount of the postponed principal amount will be divided across the remaining loan period.
  • If you have a loan with your partner, he or she must also fill in the same application on the Internet Bank.
  • To terminate the grace period, please send a bank notice.
Fill out application

Grace period and extending the loan period

  • You can apply for a grace period of up to 6 months or up to 1 year in case of home loans.
  • There is also an option to extend the loan period by the grace period.
  • The grace period will be applied to the principal amount of the loan; you will still need to make interest payments every month.
Fill out application