Home Small loan

It is best to complete your application while logged in, as many fields are previously completed. The application enables us to find the most suitable solution for you and make you a personal loan offer.

Completing an application does not oblige you to sign an agreement. This enables us to find the most suitable solution for you and make you a personal loan offer.

Complete an application

Agreement fee 0 EUR

For renovating or buying a property

No loan agreement fee until 31 October.

Loan from 5000 to 20 000 EUR
No mortgage placed on real estate
No down payment required

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 - 0 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 - 0 %
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.

Home Small loan calculator

Monthly payment

10 years
0
8 years
0
7 years
0
5 years
0
3 years
0

Insurance against borrower's unemployment and incapacity for work helps you to pay the monthly loan payments, if for more than 30 days you:

unexpectedly lose your job
stay on sick leave due to your or your child‘s illness

The insurance agreement can be concluded within a maximum of 30 days after signing the loan agreement.

Monthly payment
0 €
Agreement fee
35 0€
Insurance monthly payment
0€

Basis for the calculation

The data provided by the calculator is for information only, however it gives you a picture of what could be the size of your monthly payments for loan. Fill out the loan application and find out the terms of loan offered specifically to you.

The insurer is Swedbank P&C Insurance AS, which is represented in Latvia by Swedbank P&C Insurance AS Latvian branch and the insurance agent is Swedbank AS.

Regular net monthly income at least €550, with a co-borrower at least €900.

Average income in the last 6 months. If you are applying with a co-borrower, add their monthly income too.

€

Fill in how much on average you spend each month on existing obligations (loans, leases, instalments, etc.). If you are applying with a co-borrower, add their monthly obligations too.

€

Maximum possible loan amount max-amount-tooltip
0 €

The data provided by the calculator is for information only, however it gives you a picture of what could be the amount of your loan. Fill out the loan application and find out the terms of loan offered specifically to you.

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, parking space, garage, an apartment outside Riga 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 loan application on the Internet Banking site or at any branch
We will let you know about the decision made by a text message or a phone call
Find out the offered interest rate and other terms and conditions
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 20 000 EUR
Property valuation not required
Interest rate from 7,9% per year. It is set for each customer individually and depends on the income, 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 550 EUR a month after taxes, with a co-applicant – from 900 EUR
Existing loan obligations are performed without any arrears

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

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 exercise your right of withdrawal 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

Fees

Service		Price, EUR
Receiving
Loan disbursement	Easier via Internet Banking	1% of the amount, min. 100.00
Using
Interest rate		From 7.9% per annum
Change of monthly payment date or the linked account	Best value via Internet Banking	0.00 - 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
Closing
Full early repayment of the credit	Easier via Internet Banking	Free of charge

Effective from 18.04.2017.

Favourable % rate!

A loan suitable for energy efficient solutions in your house.

Offer!

Agreement fee 0 EUR!

Loan that can help you to fulfill your plans!

Insurance that helps you with loan repayments in case of losing your job or capacity for work.

Favourable % rate!

For purchase and installation of solar panels, a heat pump or wind generators.

Suitable solution for purchasing or building a home.

Home Small loan

For renovating or buying a property

Home Small loan calculator

Monthly payment

Fees

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