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The Home Furnishing Loan helps to make your home cosier

We believe that you know exactly what a space needs to be like for you to feel good in it. Design a home and garden that are just right for you, with new furniture and furnishings. You can also use the loan to freshen up your summer home.

  • Until 21 July, the contract fee is €0 – that means up to €500 more for bringing your plans to life.
  • Interest from 7.9%
  • Loan amount up to 25,000 €
  • No collateral required
  • Money to your account immediately
  • Loan insurance options
  • Free premature repayment

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

Calculate the monthly instalment

€
%

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

Loan amount

Up to 25,000 €

Interest

From 7.9% 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 2% of the loan sum, from 29.9 €

Service fee

3.99 € per month

Length of the agreement

Credit amount up to 7,500 € – 6 months to 6 years
Credit amount from 7,500 € – 6 months to 10 years

Amendment of agreement

The fee for amending the agreement is 25 €. 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: 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/furnishingloan and consult our expert. Annual rate of charge is 16.69% on the following sample terms and conditions: loan amount 7,700 €, annual interest rate of 13.9% on the on the outstanding balance (fixed), contract fee 154 €, monthly service fee 3.99 €, repayment period of 82 months, with monthly annuity payments, with the total sum of the monthly payments being 12,449.90 € and the total repaid sum of 12,295.90 €.

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 rate of charge is 19.81% on the following sample terms and conditions: loan amount 7,700 €, annual interest rate of 13.9% on the on the outstanding balance (fixed), contract fee 154 €, monthly service fee 3.99 €, repayment period of 82 months, with monthly annuity payments, with the total sum of the monthly payments being 13,403.12 € and the total repaid sum of 13,249.12 €.

  • 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.

  • Offer
    Once we receive your application, we will make you a loan offer that is valid for up to 180 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.

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;
  • absence of work capacity, i.e. the borrower has been issued a work capacity assessment decision;
  • 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.

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  • Loan amount from EUR 200 to EUR 25,000
  • No need to submit tenders and cost documents
  • No collateral required
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  • Protection in the case of equipment failure
  • In the event of the building’s destruction, we will reimburse, upon restoration, interior decoration services of up to EUR 3,000
  • We will compensate you for damage caused during the execution of construction works
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  • Initial loan offer within 24 hours
  • Premature repayment of the loan is free
  • Special offer for buying a new Energy Class A and B home
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Have you considered equipment insurance?

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  • Unlimited number of repair cases
  • Free transport to and from the service centre for devices weighing more than 10 kg
  • If the device cannot be repaired, we will replace it with an equivalent one
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Have you considered extended warranty insurance for equipment?

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  • Production defect protection for two extra years
  • Unlimited number of repair cases
  • Free transport to and from the service centre for devices weighing more than 10 kg
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Customer support

Call 699 9119 Mon-Fri 9–17 or write to finance@lhv.ee