LHV home loan is the most flexible home loan in Estonia, which is suitable for an informed client acquiring a home.
- Collateral is property located in Tallinn, Tartu or their immediate vicinity
- Interest from 2.1% + Euribor
- Minimum net income 900 euros per month
- Self-financing from 30%
Calculate the monthly payment
This is an estimate and may differ from the actual terms and conditions offered.
Maximum limit offered
Fill in a home loan application.
E-mail to email@example.com,
- last 6 months’ account statement verified digitally by the bank (bdoc)
- a valuation report of the property to be purchased or a link to the listing.
We will let you know of our loan decision within 3 business days after receiving the documents.
Sign the loan agreement digitally.
We will book an appointment at a notary, at a time that suits all the parties, to set the mortgage.
We will transfer the loan to your account within 3 days after the visit to the notary.
Terms and conditions and price list
From EUR 20,000, up to 70% of the market value of the collateral
The total sum of all loan and leasing payments may be up to 50% of the net income. The actual maximum share of loan payments depends on the income and number of members in the family.
|Loan period||Up to 30 years|
|Interest||From 2.1% + Euribor|
|Amendment of the agreement||Amendment of the agreement: EUR 100|
|Termination of agreement||Free of charge|
|Agreement fee||0.5–0.9% of the loan amount|
|Grace period||Up to 12 months.|
|Self-financing||At least 30% or with an additional collateral|
|Collateral||Property that is in good condition andliquid, and is located in Tallinn, Tartu or their near vicinity. We finance up to 70% of the market value of the collateral. Acceptance of collateral and its percentage rate depend on the location and condition of the collateral|
|Requirements for an applicant|
Before making a loan decision, we will analyse your creditworthiness, credit history and suitability of the collateral.
|Real estate appraisers||1Partner Kinnisvara OÜ, Arco Vara, Colliers International Advisors, Domus Kinnisvara, Kaanon Kinnisvara, DTZ Kinnisvaraekspert, Eri Kinnisvara, LVM Kinnisvara, Newsec Valuation EE OÜ, Ober Haus, Pindi Kinnisvara, Tõnisson Kinnisvara, UusMaa Kinnisvarabüroo, RE Kinnisvara, Ühinenud kinnisva rakonsultandid, Seven Kinnisvarakonsultandid|
AS LHV Pank does not provide counselling service in the sense of Section 7 of the Creditors and Credit Intermediaries Act in the provision of loans. The loan applicant makes the decision to take out a loan.
The home loan is offered by AS LHV Pank. Always think through your loan decision carefully. Review the terms and conditions at lhv.ee/kodulaen and ask for advice from our specialist. The annual percentage rate of charge for a home loan is 2.503% on the following sample conditions: loan amount of EUR 70,000; self-financing of 20%; interest rate of 2.4% per year (floating, based on 6 months’ Euribor); agreement fee of EUR 700; period of 360 months; with EUR 98,224 as the sum and 360 as the number of repayments; and the total amount paid back being EUR 98,924, with payment in the form of monthly annuity payments. An insurance contract needs to be concluded and a mortgage set for the collateral in order to receive the loan. The rate does not include the expenses related to establishing and insuring the collateral.