Mortgage loan

There's no place like home!

Start with a consultation about the home loan if you’re thinking about new home or serious renovation and you need a loan.

Mortgage loan at Swedbank:

  • 4 bargains on home purchase;
  • Repayable within up to 30 years.

Borrow responsibly by assessing your loan repayment capabilities!

If you want to buy or build a home, opt for the home purchase loan.

Purchase amount
Term
Monthly payment
0EUR
Downpayment
0EUR
Amount financed
0EUR
Guarantor's / co-borrower's application

The data provided by the calculator is for information only, however it gives you an idea of what could be the size of your monthly payments for the mortgage loan. Basis for the calculation

Terms of the loan:

  • Regular monthly income
  • Extent - up to 85% of the property's market value
  • Repayment period - up to 30 years
  • Collateral - real estate
  • Loan disbursement fee - up to 1.5% of the loan amount (min. 71 EUR)
  • Requirements for a home construction loan: an estimate and a building permission. The loan is issued in installments. Before each part of the loan is issued a Swedbank representative examines the construction object.

Steps towards receiving the loan

  1. Fill out the application and submit the documents
  2. The bank decides on granting the loan
  3. Sign the loan agreement
  4. Sign the documents before a notary and register the property with the Land Registry
  5. Deliver the documents to the bank and receive the loan

If you have at least one minor child who lives with you and you're planning to buy or build a home, apply for a loan with state support.

Purchase amount
Term
Monthly payment
0EUR
Downpayment
0EUR
Amount financed
0EUR
Guarantor's / co-borrower's application

The data provided by the calculator is for information only, however it gives you an idea of what could be the size of your monthly payments for the mortgage loan. Basis for the calculation

The size of the guarantee depends on the number of children in the family.

  1. If there is 1 minor child in the family, the guarantee is 10% but not more than 10,000 EUR
  2. If there is 2 minor children in the family, the guarantee is 15% but not more than 15,000 EUR
  3. If there is 3 or more minor children in the family, the guarantee is 20% but not more than 20,000 EUR

Terms of the loan

  • Regular monthly income from
  • Positive credit history
  • Extent - up to 95% of the property's market value
  • Repayment period - up to 30 years
  • Collateral - the real estate being purchased
  • ALTUM fee for granting guarantee - 2.5% of the size of the guarantee (1% in case of amendments to agreement)
  • Requirements for a home construction loan: an estimate and a building permission. The loan is issued in installments. Before each part of the loan is issued a Swedbank representative examines the construction object.

Steps towards receiving the loan

  1. Fill out the application and submit the required documents
  2. The bank decides on granting the loan and notifies ALTUM
  3. ALTUM decides on granting the guarantee
  4. Pay ALTUM fee of 2.5% of the amount of the guarantee
  5. Sign agreement with the bank
  6. ALTUM prepares guarantee agreement for the bank

If you have ambitious plans - studies abroad, refurbishment or any other goal, we can help you materialize them through the home equity loan. Ownership of a real estate is the main precondition to receiving this loan.

Amount
Term
Monthly payment
0EUR
Downpayment
0EUR
Amount financed
0EUR
Guarantor's / co-borrower's application

The data provided by the calculator is for information only, however it gives you an idea of what could be the size of your monthly payments for the mortgage loan. Basis for the calculation

Terms of the loan:

  • Regular monthly income
  • Extent - up to 85% of the property's market value
  • Repayment period - up to 20 years
  • Collateral - real estate
  • Loan disbursement fee - up to 1.5% of the loan amount (min. 71 EUR)
  • Repayment period - up to 20 years (if the purpose of the loan is real estate purchase, then the repayment period is up to 30 years)

Steps towards receiving the loan

  1. Fill out the application and submit the documents
  2. The bank decides on granting the loan
  3. Sign the loan agreement
  4. Sign the documents before a notary and register the property with the Land Registry
  5. Deliver the documents to the bank and receive the loan

Service Price, EUR
Receiving
Loan application processing Apply for via Internet Banking Free of charge
Setting up and disbursement of credit Best value via Internet Banking 1% - 1.5%
(min. 71.00)
Setting up and issuing the loan if secured by a term deposit 0.5%
Determining the market value of the property 75.00 - 190.00
Assessing and approving a property's reconstruction or construction cost estimate 55.00
Assessing and approving a property's refurbishment cost estimate 35.00
Approval of the determined market value of residential property 30.00
Courier service for delivery of documents to Riga City or Riga District Land Register for mortgage registration 35.00
Using
Interest rate Set on case-to-case basis
Interest rate for a loan secured by term deposit 2%
Change of date of monthly payments Best value via Internet Banking 14.00 - 21.00
"Standard changes in loan agreements(disbursement of additional amount, change in currency, change in interest rate, change in repayment schedule, extension/shortening of repayment period) Best value via Internet Banking 0.75% - 1%
Other changes in the loan agreement Best value via Internet Banking 14.00 - 21.00
Inspection of the real estate 50.00 - 75.00
Standard bank certificate (balance of the loan, interest and principal paid, overdues, loan collateral, consents, purpose of the loan) Easier via Internet Banking See Bank certificates, document requests, etc.
Other type of certificates upon request Easier via Internet Banking See Bank certificates, document requests, etc.
Early partial repayment of credit Easier via Internet Banking Free of charge
Closing
Full early repayment of the loan Easier via Internet Banking Free of charge
Document processing fee in case of re-financing the loan to other credit institution 426.00

Effective from 17.01.2017

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