Loan conditions

Loan sum: 2.000 – 700.000€.
Repayment period: 2 months – 10 years.
Fee for concluding the contract: 1.5% of the loan sum (but not less than 32€). The fee is withheld when the loan sum is paid.
Interest rates start from 10% per annum.
The loan sum and the interest rate depend on the appraised value of the collateral and the financial capacity of the applicant.
Up to 70% of the value of the collateral can be financed (with additional security, up to 100% of the value of the security).
Our expert will appraise the security free of charge. Generally, there is no need to order a separate appraisal certificate.
Payment is possible on the basis of flexible, annuity or discounted schedules (more information and sample schedules are available here).
It is possible to prepare custom payment schedules and apply for a payment standstill.

A loan applicant shall be at least 20 years old (there is no maximum age limit) – an Estonian citizen or a citizen of a foreign country with a valid Estonian residence permit or right of residence.
An applicant shall have sufficient financial resources or a business plan for repaying the loan in accordance with an agreed schedule.
The security need not necessarily be the property of the applicant, but the owner of the security shall provide approval for pledging it.
Our expert will appraise the security free of charge. Generally, there is no need to order a separate appraisal certificate.
Residential premises (apartments, houses), commercial premises (industrial buildings, warehouses, barns) as well as land without buildings can be used as security.