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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.

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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.

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Agreement fee 0 EUR

For renovating own property or buying new one

No loan agreement fee until 30 April.

  • Loan from 5000 to 20 000 EUR
  • No down payment and no pledge on property
  • Fixed interest rate from 7.9% throughout the agreement period*

* 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 – 183.54 EUR, the agreement fee – 0 EUR. Annual percentage rate (APR) – 8. 31%. Total amount repayable – 21 841.08 EUR.

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The bank will never call you and ask you to fill out loan applications if fraudulent transactions have been detected on your account. If you've experienced a fraud attempt or your data has been divulged, call 67 444 444 immediately.
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.

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Home Small loan calculator

Monthly payment

  • 0
  • 0
  • 0
  • 0
  • 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.
  • 0 €
  • 35  0€
  • 0€

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 €1000. 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.
  • 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 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 20 000 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 550 EUR a month after taxes, with a co-applicant – from 1000 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
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!

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.

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

Special offer!

Suitable solution for purchasing or building a home.
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Time for a new home?

Special offer:

  • For first year – 0% rate + 6-mon. Euribor for homes with energy-efficiency class A*
  • When buying a home in one of the new projects developed by our partners – 0 EUR agreement fee.

* For new loan applications submitted from March 1 till 31 December 2024. A representative example of mortgage loan expenses: the customer takes out a loan of 85,000 EUR, the loan period is 30 years, the applied interest rate is 1,69% + 6 month EURIBOR (3,86% on 11.04.2024.), the monthly payment is 489,60 EUR, the disbursement fee – up to 1020 EUR. The APR calculated for the customer is 5,9% and the total amount payable is 177 265,15 EUR. Changes in the EURIBOR value will affect the amount of monthly payments, APR and the total amount repayable.