Home loan application

In order to apply for a limit and sign the contract you must autheticate yourself first. You do not have to be an LHV customer to enter.

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Home loan can only be applied by a private person.

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Loan

Intended purpose

Type of property

Before applying, please make sure you meet the requirements for financing construction of the house and that you have all of the documents.

Before we can make you a loan offer, we will need the following documents:

Construction budget (compiled by stages of construction, activities to be funded with the loan capital and self-financing listed separately).
Valuation report for the registered immovable along with the current and future market value of the registered immovable (provided that the home to be built is finished).
Building permit if one exists. The planned date for receiving authorisation for use for the home and planned completion date.
Name of the builder and licensed owner’s supervision service provider.

Terms and conditions for financing construction of the house:

Self-financing requirement is at least 30% of the project cost (land + construction)
Self-financing must be paid first
We are prepared to finance 50% of the value with the land as collateral, and up to 75% if secured by the market value of the finished house
The easiest way to finance home construction is with additional collateral

Before applying, please make sure you meet the requirements for financing construction of the house and that you have all of the documents.

Before we can make you a loan offer, we will need the following documents:

Construction budget (compiled by stages of construction, activities to be funded with the loan capital and self-financing listed separately).
Valuation report for the registered immovable along with the current and future market value of the registered immovable (provided that the home to be built is finished).
Building permit if one exists. The planned date for receiving authorisation for use for the home and planned completion date.
Name of the builder and licensed owner’s supervision service provider.

Terms and conditions for financing construction of the house:

Self-financing requirement is at least 30% of the project cost (land + construction)
Self-financing must be paid first
We are prepared to finance 50% of the value with the land as collateral, and up to 75% if secured by the market value of the finished house
The easiest way to finance home construction is with additional collateral

Before applying, please make sure you meet the requirements for financing construction of the house and that you have all of the documents.

Before we can make you a loan offer, we will need the following documents:

Construction budget (compiled by stages of construction, activities to be funded with the loan capital and self-financing listed separately).
Valuation report for the registered immovable along with the current and future market value of the registered immovable (provided that the home to be built is finished).
Building permit if one exists. The planned date for receiving authorisation for use for the home and planned completion date.
Name of the builder and licensed owner’s supervision service provider.

Terms and conditions for financing construction of the house:

Self-financing requirement is at least 30% of the project cost (land + construction)
Self-financing must be paid first
We are prepared to finance 50% of the value with the land as collateral, and up to 75% if secured by the market value of the finished house
The easiest way to finance home construction is with additional collateral

Purchase price of the real estate

Loan amount

Loan period

Payment day

New building

The address of the property to be purchased is known

Search for property address

Link to the real estate listing

I want to use

Self-financing only

Additional real estate collateral

KredEx home loan surety

Only the property under construction/renovation as collateral

Collateral real estate

Type

Owner

Estimated value

Search for property address

KredEx target group

Self-financing

Origin of self-financing

Applicant

First name

Last name

Personal identification code

Personal identification code issuer

Citizenship

Residency

Address of current residence

E-mail

Phone number

Marital status

Number of dependents

Level of education

Field of activity

Occupation

Employer

Employer’s field of activity

Time worked at current job

Co-applicant

First name

Last name

Language

E-mail

Co-applicant's monthly income and liabilities

Income

Financial obligations

Income and liabilities

Your monthly income

Income type

Monthly income

Add

Your monthly liabilities

Liability type

Financer

Other financer

Balance

Monthly payment

End date

Add

Your current credit limits

Type of credit limit

Financier

Other financier

Limit

Add

Additional information

Which real estate agent recommended LHV to you?

Additional information

0/1000

I confirm that all of the information provided in the application is correct and I agree to the processing of my personal data by AS LHV Pank (LHV) in accordance with the Principles of Processing Customer Data at LHV. I am aware that LHV may make an automated decision for issuing credit to me and I may object to the decision in order to protect my legitimate interests.

I hereby confirm that the third parties whose data I am disclosing have granted their consent to the forwarding of their data to LHV, and have agreed and are aware that LHV has the right to contact them and to process the disclosed data, for the purposes of concluding an agreement, in accordance with the Principles of Processing Customer Data at LHV.

I confirm and also agree that LHV may forward the information presented in the application to insurers or brokers* in order to make insurance offers regarding assets serving as collateral for the performance of the loan agreement, and to conclude insurance contracts. I am aware that if I am not interested in receiving any insurance offers, I can give notice of this at kodulaen@lhv.ee.

*AS LHV Pank acts as the insurance agent of AS LHV Kindlustus and is entered in the list of insurance intermediaries published on the website of the Financial Supervision Authority.

LHV informs you that if you fail to submit the information or evidence necessary to assess creditworthiness, and accordingly, LHV is not able to assess your creditworthiness, it will not be possible to conclude a credit agreement with you.

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