Loan and leasing

For the private client
For the business client

Home loan

LHV home loan is the most flexible home loan in Estonia for an informed client acquiring a home. Build yourself a new home or renovate a property that you already own.

Private loan

LHV Private Loan is a flexible resource when you wish to renovate your home, purchase real estate or finance any other important activities. Loans from 30,000 € are offered against the collateral of real estate.

Consumer loan

With LHV consumer loan you are the one to decide what to use your spare money for – paying for travel, business and education, organising special events or just covering major expenses.

Refinancing Loan

A refinancing loan helps transform existing loans to a new one on more favourable terms or merge multiple older loans into one. It is easy to move loans and hire-purchase agreements over to us.

Home repair loan

LHV Home Repair Loan can be used for fixing up your home or summer house. It can also be used to purchase real estate, such as an apartment, summer cottage or even a plot of land. There is no collateral required and loan amount up to 25,000 €.

Furnishing loan

With the LHV Home Furnishing Loan, you can 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.

Health and beauty loan

The health and beauty loan can be used to pay for treatments and beauty services. For example, dental treatment, laser eye surgery, aesthetic surgery or other medical services.

Car loan

With LHV car loan you can purchase exactly the kind of motor vehicle you need – from a passenger car to a motor boat. Casco insurance is not required and the vehicle can be registered in your name right from the start.

Student loan

With an LHV student loan you can cover the costs that arise during your studies.

Margin loan

LHV Leveraged Loan is a flexible loan against listed securities to the extent of your entire portfolio. The interest rate on a loan depends on the interest rates of the central banks.

Leasing

LHV leasing can be used to purchase a passenger car or a van, as well as a motorbike or a recreational craft.

Hire-purchase

LHV hire-purchase is affordable. You can pay for the goods or services in installments, both in e-shops and on-site stores.

Micro loan

LHV micro loan is an unsecured loan offered to Estonian micro enterprises. It is intended for the development of business, as well as acquiring equipment and machinery, obtaining working capital or making other small investments. Loan amounts range from 5,000 € to 50,000 €.

Overdraft facility

LHV overdraft facility is intended for satisfying a short-term need for liquidity or covering unexpected costs.

Working capital loan

LHV working capital loan enables one to make smaller investments into non-current assets, starting from 25,000 €.

Investment loan

LHV investment loan against the collateral of real estate enables a company to finance long-term investments, initiate new projects and expand their operations.

Financing the acquisition of a company

We finance the acquisition of holdings in companies with the following credit products: mezzanine loans, management buy-outs (MBO) and leveraged buy-outs (LBO).

Apartment association loan

The apartment association loan for investments to your residential building with most flexible repayment period in Estonia

Leasing

LHV leasing can be used to purchase a passenger car or a van, as well as a motorbike or a recreational craft.

Guarantees

A bank guarantee helps a company to secure various loans and payment obligations. LHV offers guarantee letters for all types of transactions.

Letters of credit

Letters of credit help hedge the risks related to foreign trade. Use letters of credit as flexible means of financing.

Documentary collection

Documentary collection is mainly used in international trade. With documentary collection, the seller of the goods sends the trade documents to their bank with the instructions to forward them to the buyer’s bank.

Factoring

Is a large portion of your company’s current assets comprised of invoices received from buyers? If this is the case, we can provide you with help via factoring. The factoring service means that we finance the invoices submitted to buyers and collect the receipt thereof.