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If you need funds for home purchase, building or reconstruction, Swedbank’s mortgage loan will be the most suitable solution for you. You can be sure – we will find a solution most suitable for you, and we will remain cooperative throughout the duration of the loan so that you always feel confident.
How to take out the loan with Swedbank?
It’s easy! Tell us what you wish, and together we will find the solution that best meets your needs. To arrange a meeting with financial advisor:
To make receiving the loan as easy as possible, follow the steps towards getting a mortgage loan.
Favourable terms during entire repayment period – 10, 20 or even 40 years.
Swedbank’s mortgage loan will be favourable not only at the time you take out the loan, but will remain such throughout the period of the loan. Together with Swedbank you can feel confident, because we are cooperative and ready to change your terms of loan whenever it is indeed necessary.
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Monthly payments suitable for you:
- As small as possible
The longer the period of loan, the smaller the monthly payments. Select a repayment period that suits you as Swedbank lets you borrow for as long as 40 years.
- Matching your income
Presumably, you wish your loan payments not to impact your usual course of life substantially. Experience shows that, optimally, monthly payments should account for a maximum of 45% of your income. Use the loan calculator to calculate monthly payments.
- Mechanics of calculating total rate of interest on mortgage loan
Jums piedāvātā kredīta procentu likme būs atkarīga gan no iepriekšējās sadarbības ar banku un jūsu ienākumiem, gan piedāvātās ķīlas. Jūs varat izvēlēties fiksēto procentu likmi vai mainīgo. Fiksētā likme dod stabilitāti un ļauj plānot budžetu ilgtermiņā. Mainīgā procentu likme parasti ir nedaudz zemāka par fiksēto, tomēr jārēķinās, ka tā ir svārstīga. Noskaidrot savu procetu likmi jūs varat izmantojot % likmes kalkulatoru.
- An easy way of making payments
If you use your account with Swedbank for day-to-day payments, loan repayment will be very simple or even go unnoticed. On a date of your choice, the bank will debit the appropriate amount of cash from your account, thus saving your time. You will be able to keep track of loan repayment easily via Internet Banking, or through mobile phone by receiving a payment confirmation text message from the bank.
Stability throughout the loan period
- A chance to change the terms of loan
We are well aware of the fact that foreseeing everything is impossible, therefore you can rest assured – we will always be cooperative. You can request a change in the loan period, currency, payment schedule, security or even get a grace period at any time. We will always be open to your wishes.
- To pay even less – grace period
Furnishing of a new home invariably incurs different expenses, therefore a grace period might be useful during first two years. It is a chance to pay just interest on loan, with the repayment of principal amount postponed for some time. Think about it and you may find it an attractive option! If not now, maybe later – Swedbank offers grace period of up to one year.
- Credit Life Insurance
When you take out a mortgage loan, you will certainly want to take care of the financial welfare of your family. This makes credit life insurance the best addition for a loan agreement. Credit life insurance is a simple way to safeguard your dear ones against loan repayment should anything happen to you. In such situation the loan will be repaid by insurance company instead of your family.
- A chance to get additional funds
You have a chance to receive extra cash for refurbishing apartment in a new project. Additional funds can also be obtained by mortgaging another property, and in cases when you have repaid a part of the principal amount of the existing mortgage loan or the value of the property has risen.
- If you with to change the home once again
There is no rule that says that you have live at the home you selected for the entire period of the loan. You might want to sell it after some time to buy other– maybe much more spacious - home. Therefore we offer favourable terms of lending so that you, when changing home, could change the loan collateral as simply.
Extra benefits
- There are many things that the bank can do for you
It is simpler and a better value to allow the bank to take care of property valuation and insurance. Our courier will also help you settle formalities with the Land Registry.
- Property insurance
Swedbank Home Insurance provides cover for your home and lets you feel protected against various unexpected accidents. Your property will be protected against a range of ordinary hazards and somewhat greater losses.
- Property valuation
To save time and money, use the valuation services offered by the bank. For the possibilities of obtaining real estate valuation from Swedbank, consult your financial advisor. Alternatively, you can choose to use valuation services of any of the real estate companies approved by Swedbank.
- Useful tips on selection of home
Swedbank has vast experience in financing new housing projects and good cooperation with developers. To make your selection of home well-considered, we will be happy to share our knowledge about the project selected by you. Call 67 444444 or use Swedbank’s Residential Property Offers
- House Building Assistant
To make the dream of having your own house come true, you have to start organizing the construction works. It is a major project that requires a lot of knowledge. We are ready to share our knowledge base so that this process is as clear and simple as possible for you. Visit the House Building Assistant section!
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