Loan restructuring
Consumer Credit, Credit Line, Fixed Payment Card, Charge Card, Revolving Credit Card, Solution loan
| Interest rates | |
|---|---|
| Interest rate on outstanding amount a month | 1,17 - 2,42% 1 |
| Fees | |
| For processing of restructuring applications | free of charge |
| For restructuring | 15 LVL / 22 EUR |
| For change in terms of loan | 10 LVL / 15 EUR |
| For early repayment of whole loan | free of charge |
Effective from 22.02.2010.
Mortgage Loan / Opportunity loan
| Interest rates | |
|---|---|
| Variable interest rate | Interest rate is set individually |
| Fixed interest rate | Interest rate is set individually |
| Fees2 | |
| For disbursement of additional amount | Up to 1.0% of the loan amount (min. 75 LVL) |
| For change of loan currency | Up to 1.0% of the loan amount (min. 75 LVL) 3 |
| For change of interest rate on loan | 50 LVL 4 |
| For change of loan repayment schedule | 40 LVL |
| For change of monthly loan repayment and interest payment date | 10 LVL |
| For change of other terms of loan | 20 LVL for preparation of every document required for formalizing the change |
Effective from 12.10.2009.
1 Interest rate is applied on case-by-case basis.
2 If several Mortgage loan or Opportunity loan conditions are changed at the same time, the biggest fee is applied (fees are not summed up).
3 Up to 0,6% of the loan amount (min LVL 75, max LVL 300) if the loan currency is changed from LVL to EUR.
4 if credit insurance is purchased, the change of loan interest rate is free of charge.
 
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