1.
Find out your borrowing capabilities: use a calculator
Check your capabilities to borrow and calculate the approximate loan amount you can receive.
Please remember that this is a preliminary calculation. For a more accurate assessment, please fill in the application form and select purpose "Finding out borrowing opportunities".
2.
Submit your application
Please keep in mind, that if you want to take a loan with co-borrower, you will need to enter their data as well. The co-borrower will also need to sign the application.
3.
We will contact you as soon as possible
As soon as we have reviewed your application, we will contact you to:
- Let you know if we need any additional information, documents or actions from your side to be able to provide you with a home loan;
- Walk you through the next steps and expected timeline;
- Answer any questions you may have.
4.
Consider our loan offer
If your application is approved, we will provide you a loan offer and explain main loan conditions, process in detail.
5.
Sign the loan agreement
If you accept our offer, we will prepare the loan agreement and other documents for you to sign. You can sign it remotely.
6.
Sign documents at the notary
Depending on whether you are buying or building a home, you will need to sign different documents at the notary.
If you're buying a home, you first need to sign a purchase-sale agreement and then you will sign a collateral pledge agreement.
If you're building a home, you need to sign only the collateral pledge agreement at the notary.
7.
Protect yourself and your property with insurance
To protect yourself and your loved ones from unexpected events, get insurance.
Make sure to insure your new home (or the property you are using as a collateral) from various damage. Learn more about our partner proposal on our page.
Ensure that you and your family don't have to worry about repaying the loan in case of illness or accident – read more about SEB loan protection insurance.
8.
Complete the loan agreement conditions and we will transfer the money
Once you have completed all the required steps, we will transfer the loan amount to the seller in accordance with the terms of your loan agreement.
9.
Congratulations on your new home
You have just taken a big step – and we are proud to be a part of it. Remember, you are always welcome to reach out to us. If you have new plans or face any financial challenges in your life, we are here to support you - in good times and in more difficult ones.
In case you want to manage your loan agreement on your own, you can do it easily in our Internet Bank. There you can:
- Change the loan payment day
- Update the repayment account
- Make a partial or full loan prepayment.
