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Printed by user 2012.02.07

Loans

Loans
Overdraft EUR EEK***
Arrangement fee € 19,17** 300 EEK**
Annual limit fee 1% of the amount of the limit, min € 6,39 1% of the amount of the limit, min 100 EEK
Increasing the limit 1% of the additional credit, min € 6,39 1% of the additional credit, min 100 EEK
Amending other terms of the loan agreement To be agreed, min € 6,39 To be agreed, min 100 EEK
Terminating the loan agreement free of charge free of charge
Consumer Loan EUR EEK***
Arrangement fee 1,5% of the loan amount, min € 63,91 1,5% of the loan amount, min 1000 EEK
Increasing the loan amount 1% of the additional amount, min € 31,96 1% of the additional amount, min 500 EEK
Changing the monthly repayment date once a year free of charge once a year free of charge
Amending other terms of the loan agreement              To be agreed, min € 31,96 To be agreed, min 500 EEK
Partial14 or full premature repayment of the loan
 - Repayment of a loan with collateral Upon 3-months prior notice free of charge, in all other cases interest calculated on the prepaid amount for a period up to 3 months Upon 3-months prior notice free of charge, in all other cases interest calculated on the prepaid amount for a period up to 3 months
 - Repayment of  a loan without collateral Free of charge Free of charge
Home Flex EUR EEK***

Interest rate

 Nordea EUR Prime + margin Nordea EUR Prime + margin
Margin (annual)
  • Ordinary and Bronze customers
  • Silver and Check-in customers
  • Gold customers

 

  • 4%
  • 3%
  • 2%

 

  • 4%
  • 3%
  • 2%
Premature termination of the agreement upon 3-months prior notice free of charge, in all other cases 0.50 % of the loan amount upon 3-months prior notice free of charge, in all other cases 0.50 % of the loan amount
Housing loan EUR EEK***
Arrangement fee 1%* of the loan amount, min € 191,73 1%* of the loan amount, min 3000 EEK
Increasing the loan amount 2%* of the additional amount, min € 63,91 2%* of the additional amount, min 1000 EEK
Changing the margin 1%* of the loan balance, min € 63,91 1%* of the loan balance, min 1000 EEK
Fixing or capping the base interest rate (if made
after concluding the loan agreement)		 € 63,91 1000 EEK

Changing the loan currency, type of base interest or type of loan15

 prepayment fee of the existing loan according
to the loan agreement + 1000 EEK		 prepayment fee of the existing loan according
to the loan agreement + 1000 EEK
Granting grace period in case of childbirth € 31,96 500 EEK
Granting grace period in other cases € 63,91 1000 EEK
Changing the monthly repayment date16 once a year free of charge once a year free of charge
Amending other terms of the loan agreement

To be agreed, min € 63,91

To be agreed, min 1000 EEK
Partial17 or full premature repayment of the loan upon 3-months prior notice free of charge, in all other cases interest calculated on the prepaid amount for a period up to 3 months upon 3-months prior notice free of charge, in all other cases interest calculated on the prepaid amount for a period up to 3 months
Renovation loan EUR EEK***
Arrangement fee 2%* of the loan amount, min

€ 63,91

 2%* of the loan amount, min

1000 EEK
Increasing the loan amount 2%* of the additional amount, min

€ 63,91

 2%* of the additional amount, min

1000 EEK
Granting grace period in case of childbirth € 31,96 500 EEK
Granting grace period in other cases

€ 63,91

1000 EEK
Changing the monthly repayment date19 once a year free of charge once a year free of charge
Amending other terms of the loan agreement

To be agreed, min € 63,91

To be agreed, min 1000 EEK
Fixing or capping the base interest rate (if made after concluding the loan agreement)

€ 63,91

1000 EEK
Partial20 or full premature repayment of the loan upon 3-months prior notice free of charge, in all other cases interest calculated on the prepaid amount for a period up to 3 months upon 3-months prior notice free of charge, in all other cases interest calculated on the prepaid amount for a period up to 3 months
Education Loan EUR EEK***
Arrangement fee

€ 15,98

250 EEK
Amendment fee

€ 31,96

500 EEK
Interest rate 9,5% per year 9,5% per year
Student loan Price Price
Arrangement fee tasuta tasuta
Amendment fee

€ 6,39

100 EEK
Interest rate 5% per year 5% per year
Transfer of a student loan from another credit institution

€ 15,98

250 EEK
Valuationl21 Price Price
Valuation of apartment as loan collateral

€ 44,74

700 EEK

 

17The fee for amending the loan agreement shall also be payable upon partial premature repayment.

18Shall be performed by way of repaying the existing loan and issuing a new loan.

19Not applicable for loans with fixed or capped base interest rate.

20The fee for amending the loan agreement shall also be payable upon partial premature repayment.

21Valuation fee includes VAT.

 
* 25% discount for Silver customers and 50% for Gold customers

** 25% discount for Silver and Check-in customers, 50% for Gold customers

*** The prices expressed in EEK are for informational meaning