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Home loan

Examples of the annual percentage rate

Home loan

The initial annual percentage rate is 6,188% on the following (example) conditions:

  • loan of €123 000;
  • total floating interest rate 5,923% per annum, incl margin 1,82% + 6 months' Euribor (as at Oct 16 2023 the 6-month Euribor rate was 4,103%; the rate set out in your agreement may change every 6 months);
  • contract fee of €190;
  • repayment period of 30 years;
  • number of repayments 360;
  • the sum of repayments €265 418,27;
  • the total cost of the credit €142 608,27;
  • the total sum of the credit €265 608,27.

The rate is calculated on the assumption that the amount of credit is being issued immediately and in full and that the basic amount and interest will be repaid as monthly annuity payments. The loan agreement is secured with a mortgage. Upon taking a loan, a home insurance contract must be entered into. The rate does not include costs associated with the establishing or insuring of collateral.

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There’s no place like home!

When purchasing a home through Merko, you will receive priority service, and the home loan agreement fee for you will be 0 € (regular price at least €190). To do so, use the code MERKO on your loan application.

  • Fast application processing
  • Opportunity to pay back earlier and manage your contract via Internet Banking

The offer is valid until December 31, 2025.

Start from application Learn your limits Find a home

What are your needs?

Net income should be at least 900 euros, or 1300 euros if taking out the loan with a co-applicant.
Your current loan liabilities exceed the optimal monthly repayment amount. Mortgage loan is not available to you.
Average net income in the last 6 months.
Small loan, credit card, overdraft, line of credit, study loan and other short-term credits.
  • 0

Results are approximate and may differ from conditions offered to you.
Your total monthly payment cannot exceed %PERCENTAGE%% from your monthly incomes. We recommend You decrease calculated loan amount or consider to change loan term.
Loan sum is too small. Minimum sum is 20 000 euros.
  • Down payment starting from 15%.
  • Down payment starting from 10% with the surety of KredEx.
  • Down payment may not be needed if you collateralize your own property.

Loan

  • 0

Insure your

  • from 0€
  • about 0€
  • from 0€

See the examples of the annual percentage rate

Loan and Insurance payment calculations are approximate and may differ from your personal offers. Home insurance and loan payments protection insurance is provided by Swedbank P&C insurance AS. Life insurance is provided by Swedbank Life Insurance SE.

Home exchange is a suitable solution when you wish to swap your current property for a new home. During transitional period, you’ll only pay the interest but for both loans.

Existing mortgage loan

Transitional period
It is the time intended for you to be able to buy and move to the new property, sell the old property and pay off its loan.

Loan for the new property after the transitional period
Balance of loan
Balance of loan € €
Period
Period 1 year
Monthly principal repayment
Monthly principal repayment 0€ Postponed 0€
Monthly interest payment
Monthly interest payment 0€ 0€ 0€
Total monthly payment
Total monthly payment 0€ 0€ 0€

Results are approximate and may differ from conditions offered to you.

Home loan

  • For buying a new home or purchasing a plot and building a home.
  • For home exchange, if you wish buy new property before selling the old one.
  • Down payment of at least 15% is needed, preferably in cash but additional collateral is also possible. With an additional collateral, the down payment can be 0%.
  • Smaller, 10% down payment is available for energy-efficient housing buyers, young families, families with many children, veterans, young specialists of up to 35 years of age via EIS (previous KredEx) surety. More on EIS homepage and on Swedbank's pre-contractual information sheet, Annex No 1.

Apply Home loan

Home equity loan

  • For other bigger expenses by setting a mortgage on the property.
  • For furnishing, repairing, renovating or buying other properties (e.g. a summer house).
  • Down payment is not necessary if the loan amount market value of the collateral is up to 85% of the market value of the collateral.

Apply for home equity loan

Refinance your loan with Swedbank

Would you like to refinance your home loan or other real estate secured loan with Swedbank?

  • To do this, fill in the Home Loan application form and select ‘other’ as the purpose of the loan.
  • Enter the balance of the existing loan in the loan amount row.
  • We’ll get in touch with you and help make things go smoothly.

Special offer! If your loan balance is more than €100,000, we will pay the notary fees for you.

The offer is valid for applications submitted between 27.03–30.05.2025.

Campaign Terms and Conditions (PDF)

Apply for re-financing
  1. Determine how much you can expect to borrow based on your current salary and financial commitments.
  2. If you are buying a new home through our real estate partner, ask for a discount code and information about the offer from real estate agent.
  3. Fill in the application on the Internet Banking site and get a consultation.
  4. The bank notifies you of its loan decision.
  5. Sign the loan agreement on the Internet Banking site and set up home insurance.
  6. After the notarial transaction, the bank will disburse the loan.

Any property to be bought and mortgaged must be appraised by an independent valuator.

Conditions

  • Loan amount from 20,000 €.
  • Loan up to 85% of collateral value (in most cases, the collateral is the property being bought).
  • All loans (including Credit cards and hire purchases) may take up to 50% of your income.
  • Loan term up to 30 years.
  • Income at least 900 € per month, at least 1300 € per month with a co-borrower.
  • When taking out a loan alone, in the case of more than one dependents, regular income must be at least 1300 € per month.

Interest and payments

You can choose between two interest rates.

  • A floating interest rate, where the annual interest rate consists of an individual margin and the 6-month Euribor. The 6-month Euribor changes every 6 months.
  • A fixed interest rate for the first 5 years, where the annual interest rate consists of the 5-year euro interest rate (euro interest rate swap) and an individual margin. After the end of the fixation period, the annual interest rate changes into the floating interest rate agreed in the loan agreement.

You can find base interest rates here

  • The loan must be repaid within the agreed term and on the date of your choice, in monthly instalments on either an annuity schedule, a fixed annuity schedule or a fixed principal instalment schedule.
  • Additional expenses of buying a real estate with a loan (notary fees, state fee, real estate valuation) and contract fee.

Historical base rate

Fees

 

Effective as of 01.09.2023
Housing loan and Home equity loan
Agreement fee 1% of the loan amount, no less than 190 €
(no less than 400 € when financing construction)
KredEx collateral fee 3 % of the surety amount
Amendment of the agreement 190 €
excl. loan principal repayment holiday 95 €
excl. amendment of the payment date (in branch or in Internet Bank) free of charge
excl. amendment of the servicing account (in branch or in Internet Bank) free of charge
Interest rate revision 0,5% of the loan balance, no less than 190 €
Additional loan amount 1% of the loan amount, no less than 190 €
Early repayment fee (including partial repayment)
in a branch

Euro interest loans concluded before 2022
In the event of early repayment of a fixed-interest euro loan in the course of the period of fixation of the loan interest rate, an early repayment fee is charged as a difference between the contractual fixed interest rate of the euro and the fixed interest rate of the euro in the period from the early repayment until the end of the interest rate fixation. The early repayment fee is calculated on the respective period as from the date of early repayment until the contractual date of expiry of the fixation.

Euro interest loans concluded since July 2022
The early repayment fee is 1% of the loan amount to be repaid if the period between the early repayment and the fixation period repayment date is longer than one year and 0.5% if the period does not exceed one year. More detailed conditions for determining the fee are provided in the loan agreement.

the amount of 3 months' interest (not applied in case of 3 months' advance notice)
in digital channels (not fixed interest rate loans) the amount of 1 month interest
Fee for processing arrears 3,20 €
Penalty ECB interest rate + 8% a year (currently 0.034% a day, 12.25% a year) ECB interest rate + 8% a year (currently 0.031% a day, 11.15% a year)
The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
Home small loan
Annual interest rate starting from 7,90%
Agreement fee 1% of the loan amount, no less than 100 €
Formalization of an additional amount 1% of the additional amount, no less than 100 €
Amendment of the interest rate 50 €
Other fees according to small loan price list

Contract changes

In the Internet Bank, you can make amendments to your agreement yourself, for example:

  • change the payment date, free of charge;
  • change the payment account from which loan repayments are made, free of charge;
  • make early partial repayments;
  • apply for a grace period;
  • apply for a reduction or extension of the loan term;
  • apply for the release of a supplementary collateral.

Home exchange and other opportunities

Fill in the new loan application if you want to:

  • buy new property before selling old one;
  • apply for an additional loan.

Please note that some changes in the loan agreement are subject to fees.

Why consider home loan from Swedbank?

  • You don‘t have to know how to buy a home – our experts will guide you through it every step of the way.
  • Get the benefits of a Gold Client – if your income is at least €1,500, you will become our Gold Client when you take out a home loan.
  • Flexible loan agreement – you can change your repayment date, make early repayments, etc. in the Internet bank.
  • Home exchange opportunity – you can buy a new home while selling the previous one calmly.
  • Digitally irresistable bank – you can also find insurances, investments and other options in the Internet bank and app.
  • Loads of benefits – ask developers and brokers for our discounts, plus explore the offers of Golden customers.
  • Buying a home is just the beginning – we will help with insurance, furnishing, renovation, all the next steps.

Want to know how much you can lend?

  • Even when exploring possibilities, start with the application and we will call you back!
  • Just need a consultation? (+372) 613 1324 (Mon-Fri 09:00-17:00).

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Home Small loan

Now the agreement fee 0 €!

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Real estate offers

On the KV.EE portal, you'll find thousands of exciting offers in the city and countryside, in new and historic buildings.

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Property appraisers

Real Estate Evaluators accepted by Swedbank to value commercial and residential properties

Real estate company Address Phone
Real estate company

  • 1Partner Kinnisvara

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.1partner.ee
Address
Phone
  • 66 84 700
  • 50 46 190
  • 73 66 006
Real estate company

Arco Vara Kinnisvarabüroo OÜ offices

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.arcovara.ee
Address
Phone
614 4600
Real estate company
Address
Phone
744 2218
Real estate company
Address
Phone
447 1430
Real estate company
Address
Phone
435 9969
Real estate company
Address
Phone
324 0888
Real estate company
Address
Phone
357 7227
Real estate company
Address
Phone
337 0400
Real estate company

Arco Vara Kinnisvarabüroo OÜ representatives
Address
Phone
514 1045
Real estate company
Address
Phone
514 1045
Real estate company
Address
Phone
555 222 55
Real estate company
Address
Phone
565 076 37
Real estate company
Address
Phone
565 076 37
Real estate company
Address
Phone
565 076 37
Real estate company
Address
Phone
565 076 37
Real estate company
Address
Phone
565 076 37
Real estate company
Address
Phone
512 4236
Real estate company

Colliers International Advisors OÜ
Address
Phone
616 0777
Real estate company

Domus Kinnisvara Vahendus OÜ
Address
Phone
646 4035
Real estate company
Address
Phone
742 3100
Real estate company
Address
Phone
443 1154
Real estate company
Address
Phone
356 6411
Real estate company
Address
Phone
433 4411
Real estate company
Address
Phone
453 6433
Real estate company

Eri Kinnisvara OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.eri.ee
Address
Phone
606 0077
Real estate company

Kaanon Kinnisvarabüroo OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.kaanon.ee
Address
Phone
665 9585
Real estate company
Address
Phone
735 0850
Real estate company

Kinnisvaraekspert OÜ

Kinnisvaraekspert Pärnu OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
Address
Phone
626 4250
Real estate company
Address
Phone
442 0700
Real estate company

Lahe Kinnisvara
Address
Phone
608 0530
Real estate company
Address
Phone
5622 2313
Real estate company
Address
Phone
512 4565
Real estate company
Address
Phone
5645 8687
Real estate company

LVM Kinnisvara OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.lvm.ee
Address
Phone
  • 4 477 000
  • 56 56 8000
Real estate company
Address
Phone
452 6044
Real estate company
Address
Phone
  • 68 43 700
  • 5694 1700
Real estate company
Address
Phone
710 2000
Real estate company

Newsec Valuations EE OÜ

  • Area: whole Estonia
  • Property type: commercial property
  • www.newsec.ee
Address
Phone
5346 8308
Real estate company

Ober-Haus Hindamisteenuste OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.ober-haus.ee
Address
Phone
6 659 700
Real estate company
Address
Phone
7446 500
Real estate company
Address
Phone
33 70 768
Real estate company

Pindi Kinnisvara OÜ offices

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.pindi.ee
Address
Phone
  • 610 3900
  • 512 0280
Real estate company
Address
Phone
482 1408
Real estate company
Address
Phone
744 1116
Real estate company
Address
Phone
  • 447 1075
  • 521 4985
Real estate company
Address
Phone
357 5115
Real estate company
Address
Phone
327 7100
Real estate company
Address
Phone
452 9500
Real estate company
Address
Phone
384 6015
Real estate company
Address
Phone
610 3903
Real estate company
Address
Phone
433 0111
Real estate company
Address
Phone
472 0830
Real estate company
Address
Phone
332 7676
Real estate company
Address
Phone
786 0936
Real estate company

Pindi Kinnisvara OÜ representatives
Address
Phone
514 9289
Real estate company
Address
Phone
5667 9221
Real estate company
Address
Phone
504 2164
Real estate company
Address
Phone
501 3658
Real estate company
Address
Phone
5551 5382
Real estate company

RE Kinnisvara AS

  • Area: Harju- ja Raplamaa
  • Property type: residential and commercial property
  • www.re.ee
Address
Phone
6 688 666
Real estate company

Uus Maa Kinnisvarabüroo OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.uusmaa.ee
Address
Phone
627 2600
Real estate company
Address
Phone
744 1144
Real estate company
Address
Phone
442 0380
Real estate company
Address
Phone
322 3601
Real estate company
Address
Phone
337 9750
Real estate company
Address
Phone
520 4955
Real estate company
Address
Phone
435 1361
Real estate company
Address
Phone
58 14 5068
Real estate company
Address
Phone
56 241 810
Real estate company
Address
Phone
53 73 0096

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This is a website of companies offering financial services – Swedbank AS, Swedbank Liising AS, Swedbank P&C Insurance AS, Swedbank Life Insurance SE, and Swedbank Investeerimisfondid AS. Before entering into any agreement read the terms and conditions of the respective service. Consult a specialist, where necessary. Swedbank AS does not provide a credit advisory service for the purposes of the Creditors and Credit Intermediaries Act. The borrower makes the decision of taking out a loan, who assesses the suitability of the loan product and contractual terms to his/her personal loan interest, need and financial situation on the basis of the information and warnings presented by the bank and is responsible for the consequences related to concluding the agreement.

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