Cover unexpected expenses and increase cash flow
Collateral
- Pledged property which you purchase or renew with the loan.
- Immovable and movable property, surety and securities as additional guarantee.
- It is possible to apply for a guarantee up to 80% of the credit limit from Estonian Business and Innovation Agency (EIS) and up to 80% in rural areas from the Rural Development Foundation (RDF).
- It is possible to use EIF’s portfolio guarantee
Required documents
- Filled loan application.
- Latest annual report and interim report on current financial year.
- Financial projections.
- A valuation report if a property is offered as collateral.
- If you are not a customer of SEB, account opening is needed.
Service fees
Private person |
|
| 1. Home loan, mortgage loan | |
| - agreement conclusion | 0.4% of the loan amount, min. EUR 190 |
| - agreement amendment (1) | up to 0.4% of the remaining loan, min. EUR 190 |
| - changing the payment date | free of charge |
| - change of the current account(s) related to the loan | free of charge |
| - grace period for the principal amount of the loan | free of charge |
| 2. Consumer loan | |
| - agreement conclusion for car purchase | 1.5% of the loan, min. EUR 75 |
| - agreement conclusion for real estate purchase | 1% of the loan, min. EUR 75 |
| - agreement conclusion for solar panel purchase | 1% of the loan, min. EUR 75 |
| - agreement conclusion for improving home energy efficiency | 1% of the loan, min. EUR 50 |
| - agreement conclusion for other purposes | 1.5% of the loan, min. EUR 35 |
| - agreement amendment (1) | free of charge |
| - changing the payment date | free of charge |
| - change of the current account(s) related to the loan | free of charge |
| - grace period for the principal amount of the loan | free of charge |
| 3. Overdraft | |
| - agreement amendment (1) | EUR 15 |
| - changing the payment date | free of charge |
| 4. Student loan | |
| - agreement amendment (1) | free of charge |
| - amending the student loan repayment schedule | free of charge |
| 5. Endowment loan | |
| - agreement amendment (1) | up to 1% of the remaining loan, min. EUR 250 |
| - changing the payment date | free of charge |
| - change of the current account(s) related to the loan | EUR 20 |
| 6. Limit loan | |
| - agreement amendment (1) | up to 1% of the loan limit, min. EUR 35 |
| - changing the payment date | free of charge |
| 7. Other loan-related services | |
| - re-registration of a pledge established on a building into a mortgage | free of charge |
| - reminder of debt | free of charge |
| - debt claim letter | EUR 5 |
| - certificate on paid interests (2) | EUR 4 |
(1) All amendments to the loan, which have not been indicated under separate clauses in the price list (incl. amendment of collateral in a notarised or other form).
(2) Commission fee applies to certificates issued at a bank office. A certificate issued automatically in the internet bank is free for the client (for enclosing electronically to income tax return).
Legal entity |
|
| 1. Investment loan | |
| - agreement conclusion | 1% of the loan amount, min. EUR 200 |
| - agreement amendment | 1% of the remaining loan /limit, min EUR 200 |
| 2. Working capital loan | |
| - agreement conclusion | 1% of the loan amount, min. EUR 200 |
| - agreement amendment | 1% of the remaining loan /limit, min EUR 200 |
| 3. Overdraft | |
| - agreement conclusion | 1% of the loan amount, min. EUR 200 |
| - agreement amendment | 1% of the remaining loan /limit, min EUR 200 |
| - increasing the loan amount/limit | 1% additional loan amount/limit, min EUR 200 |
| 4. Start-up loan | |
| - agreement conclusion | 1,5% of the loan amount |
| - agreement amendment | 1% of the remaining loan /limit, min EUR 200 |
| 5. Apartment building renovation loan | |
| - agreement conclusion | 1% of the loan amount, min. EUR 200 |
| - agreement amendment | 1% of the remaining loan /limit, min EUR 200 |
| 6. Other loan-related services | |
| - contractual penalty for the violation of any other non-monetary obligation stipulated in the loan agreement | up to 5% of the loan amount outstanding at the moment of violation |
| - re-registration of a pledge established on a building into a mortgage | free of charge |
| - reminder of debt | free of charge |
| - debt claim letter | EUR 5 |
Simple to apply
Send us the filled application
We will contact you with proposal or additional questions
After a positive decision, sign the agreement
Cooperation with the European Investment Fund (EIF)
Contracts entered into between the European Investment Fund (EIF) and SEB enable us to provide loans and leasing services to micro, small and medium-sized enterprises in Estonia, Latvia, and Lithuania. The Guarantee is provided with the ultimate purpose of enhancing access to finance in line with defined policy objectives.
To get the EIF-supported financing, fill in application.
Cooperation with EIS
In cooperation with EIS we offer the option to get additional collateral (guarantee) to companies that need to increase the access to financing solutions.
In addition we offer entrepreneurs of the processing industry an industry loan in cooperation with EIS.
Options to finance your business’ purchases
Working capital loan
For covering temporary shortage of working capital or expenses.
Factoring
Change your invoices into cash flow. Offer extended payment terms to your clients, without reducing your working capital or sales volume.
Financing investments
Financing to support your business growth and bigger projects.
Want to make sure you find a suitable solution?
- Our client executives will help you find the most suitable financing solution for your business
- We have a dedicated team of professionals you can trust
