Effective March 1, 2021, LHV will no longer support the use of Internet Explorer on our website. Newer browsers protect you better against viruses, scams and other threats. You can still use our website using Internet Explorer, however some features and banking operations might no longer work as expected. Please download one of these up-to-date, free browsers: Chrome, Firefox, Edge.

Home furnishing loan

Home Furnishing Loan helps to make your home more comfy

  • From 5000 euros with fixed interest 9,9%

  • The contract fee is 0 €

  • There is no monthly administration fee

  • You will receive a response to your application within a few minutes

  • Money to your account immediately

  • Loan amounts up to 20,000 €

  • Interest from 9.9% on the loan balance

  • No collateral required

  • Early repayment free of charge

You do not need to have an account with LHV to apply.

Furnishing and appliances for your home

For furnishing

Home Furnishing Loan is suitable for financing the furnishings of your home as well as summer house. You can use it to purchase new furniture or the necessary household appliances.

For purchasing appliances

Home Furnishing Loan can be used for example to buy garden equipment or household or kitchen appliances.

No collateral required

When taking the Home Furnishing Loan, there is no need to set your home as collateral or pay the state fee and notary fee. The entire loan can be conveniently repaid in the form of monthly instalments.

Calculate the monthly instalment

%

The results are estimated and may differ from the terms and conditions offered to you.

Application steps

  • Complete an application
    Fill in the loan application. There is no charge for submitting an application, and doing so does not obligate you to conclude an agreement. If a statement of account must also be submitted, we will inform you of this separately.

  • Limit offer
    Then we will calculate your Home Furnishing Loan limit that will be available to you for the next 90 days.

  • Conclude the agreement
    You can sign the agreement in our self-service environment. If you cannot sign it digitally, please visit our partner Euronics store. There, you can sign a printed contract.

  • Money to your account
    Within a few minutes, the loan amount minus the agreement fee will arrive in your bank account.

Terms and conditions

Loan amount

Up to 20,000 €

Interest

From 9.9% per year on the outstanding loan balance. LHV calculates the interest on the outstanding loan balance, not the whole loan sum. This means that the interest payments will decrease monthly as your loan balance decreases.

Agreement fee

up to 1% of the loan sum, from 29.9 €

Repayment term

6 months to 6 years

Amendment of agreement

If you need to, you can take a grace period or change the date or amount of monthly payment. The fee for amending the agreement is 10 €. To amend the agreement, please write to finance@lhv.ee.

Free early repayment

Early repayment of the whole credit sum is free of charge.

Repayment

Monthly payments are to be paid to the account EE707700771001062897; with the beneficiary being: AS LHV Finance: reference number: your agreement number.

The Home Furnishing Loan is offered by AS LHV Finance. Review the terms and conditions at lhv.ee/en/furnishingloan and consult our expert. Annual percentage rate of charge is 17.64% on the following sample terms and conditions: loan sum 6000 €, annual interest rate of 15.9% on the outstanding balance (fixed), agreement fee 60 €, repayment period of 60 months, with monthly annuity payments, in the total sum of 8798.05 € and the sum of repayments of 8738.05 €.

Loan insurance is offered by AS LHV Kindlustus. Review the terms and conditions of insurance, along with the limitations and exemptions, and ask for advice from our specialist. Annual percentage rate of charge of a consumer loan with insurance is 21.84% on the following sample terms and conditions: loan sum 6000 €, annual interest rate of 15.9% on the outstanding balance (fixed), agreement fee 60 €, repayment period of 60 months, with monthly annuity payments, in the total sum of 9491.97 € and the total sum of monthly payments being 9431.97 €.

Loan insurance

You can make your loan more secure by adding insurance to your contract. Loan insurance ensures that you will not find yourself in trouble with loan instalments in the event of unforeseen circumstances. Read the terms and conditions of loan insurance.

  • becoming unemployed for reasons beyond the insured person’s control;
  • temporary incapacity for work, i.e., a certificate of incapacity for work valid for over 30 days;
  • permanent incapacity for work, i.e., a certificate of incapacity for work valid for over 30 days;
  • death, i.e., any loan liability does not have to be met by your successors.

In case of an insured event, notify client support at LHV Finance as soon as possible. Client support will notify the loss adjuster, who will contact you with further instructions.

In the case of a contract with insurance, an additional monthly fee will be added, which is 8% of your loan instalment (principal + interest). For example, if you take out a loan in the amount of EUR 500 for two years, only about EUR 2 will be added to your monthly instalment.

Cookies

LHV website uses cookies to provide you with the best user experience. By clicking "I accept", you consent to the use of all cookies. Read more about the principles of using cookies.

pirukas_icon