For renovating own property or buying new one
- Loan from 5000 to 30 000 EUR
- No down payment and no pledge on property
- Fixed interest rate from 7.9% throughout the agreement period*
Fill out the application
Agreement fee in October – 0 EUR if our response takes longer than 1
business day.
* Example of the loan expenses: when a loan of 15 000 EUR is taken out for a
period of 10 years (120 months), the applied interest rate – 7.9%, the
monthly payment – 182 EUR, the agreement fee – 150 EUR. Annual percentage
rate (APR) – 8.4%. Total amount repayable – 21 808 EUR.
Fill out application in few minutes
Sign the agreement remotely
Get money in your account immediately
The data provided by the calculator is only indicative, however it gives you a fairly good idea of what could be the size of your monthly payments for the consumer credit for home.
Consumer credit for home - the indicative monthly payment is calculated assuming that:
- loan amount - EUR
- repayment period -
- first monthly payment - starting from the second month after agreement conclusion
- the interest rate is set on case-on-case basis; the one in the example is -
- loan disbursement fee - €
- total amount payable - EUR
- annual percentage rate (APR*) - %
*APR (annual percentage rate) - the total cost of the credit, as expressed in percentage, including interest on the loan, the contract fee and other expenses associated with setting up the loan.
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- For home renovation or repairs – carry out major repairs, remodelling, construction of a garden house or general improvement work to a property you own
- For buying real estate – a land plot for a garden or building, parking space, garage, an apartment etc. Take into account that the property must be registered in your name with the Land Register within 90 days after signing the loan agreement
- Fill out the application
- We will let you know about the decision made by a text message or a phone call
- Find out the interest rate and other terms and conditions offered in the agreement
-
Sign the agreement remotely. New lending transactions may be concluded via Internet Banking between 07.00 AM and 10.00 PM
Automated aggregation and registration of data on transactions concluded during the day takes place after 10 PM and, pursuant to the Consumer Rights Protection Law, it is prohibited to enter into consumer lending contracts during night time until 7 AM.
- The money will be credited to your Swedbank current account immediately after signing the agreement
- You can check your applications and agreements in the “My obligations” section
- Loan from 5000 to 30 000 EUR
- Property valuation not required
- Interest rate from 7.9% per year. It is set for each customer individually and depends on your credit history, current obligations and loan amount
- Loan processing fee – 1% of the amount, min. 100 EUR
- You must be at least 18 years of age
- Income – from 600 EUR a month after taxes, with a co-applicant – from 1100 EUR
- Existing loan obligations are performed without any arrears
- Loan repayment period from 6 months to 10 years
- Monthly payments for the loan will be debited automatically from your Swedbank account
- You can set and change the payment date, as well as keep track of the repayment schedule
-
The loan may be repaid early (in part or in full) without any extra charge via Internet Banking
If you perform your obligations in full early, you can apply for a proportional reduction of the total cost of credit. After full early performance of your obligations, you can apply for a reduction of the total cost of credit by sending an Internet Banking message to the bank.
- If you exercise your right of withdrawal and notify the bank of your wish to cancel the agreement within 14 days of receiving the loan amount, you will have to repay the loan received plus interest on the actual use of the loan amount
- If you wish to take out the loan for renovation of property, then it must be registered with the Land Register in your or co-borrower’s name before applying for the loan
- If the loan is taken out for purchasing a property, then the purchased property must be registered in own name within 90 days after signing the loan agreement. In case of failure to do so, an interest rate of 19% per year will be applied to the loan
Fees
| Service |
|
Price, EUR |
|
| Receiving |
| Loan disbursement |
Easier via Internet Banking |
1% of the amount, min. 100.00 |
The fee is withheld from the amount of loan granted. |
| Using |
| Interest rate |
|
From 7.9% per annum |
The interest rate is set for each customer individually and interest accrues on the outstanding amount of the loan. |
| Change of monthly payment date or the linked account |
Best value via Internet Banking |
0.00 - 7.00 Via Internet Banking - 0.00
At branches - 7.00" |
|
| Other changes in the loan agreement |
Easier via Internet Banking |
25.00 |
|
| Early partial repayment of the credit |
Easier via Internet Banking |
Free of charge |
No fee will be charged if no other changes are made in the consumer credit agreement. |
| Closing |
| Full early repayment of the credit |
Easier via Internet Banking |
Free of charge |
|
Effective from 18.04.2017.
Agreement fee 0 EUR
Loan that can help you to fulfill your plans!
Favourable % rate!
A loan suitable for energy efficient solutions in your house.
Insurance that helps you with loan repayments in case of losing your job or capacity for work.
Special offer!
Suitable solution for purchasing or building a home.
