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Private

Mortgage loan

Mortgage loan

A loan with flexible conditions secured with real estate

  • Competent advice from a private advisor
  • Complete insurance offer
  • Flexible loan conditions

You can use a mortgage loan for funding housing-related costs, your tuition or health costs, start-up of business and other important activities.

We recommend that you conclude a loan protection coverage when entering into a mortgage loan agreement. This protects you in the event of unemployment, incapacity for work and severe health impairment and the in case of death due to illness or accident.

 
Loan amount

Starting from EUR 7,000.

Sum of loan may amount to 80% of the market value of housing, established as security.

Total monthly payments of financial obligations may amount to 50% of your net income. The maximum amount of loan payments depends on your income, assumed financial obligations and the number of your family members.

Currency

The currency of a mortgage loan is euro.

Interest rate

Interest rate of a mortgage loan is tied to Euribor. Euribor is a European Interbank Offered Rate. You may choose a 3, 6 or 12-month Euribor rate. A client-based interest marginal is added to the Euribor rate.

Upon request, you may fix your mortgage loan interest also for a longer period. A mortgage loan with fixed interest rate provides assurance that the loan payments do not change over the period. You can obtain further information about fixing the interest from your private advisor.

Loan term You can take a mortgage loan for the maximum term of 30 years, provided that the entire loan is repaid by the age of 75.
Collateral

Suitable collateral to a mortgage loan is the housing (apartment or private residence) to be purchased or renovated in Estonia. To obtain a valuation of collateral, use the services of our accepted real estate offices. Collateral valuation usually has a fee depending on the valuator’s price list.

The collateral shall be insured throughout the loan period.

Ask for a favourable and convenient insurance offer from a private advisor.

Loan repayment

You can repay a mortgage loan starting from the month following the loan disbursement either as annuity or in equal principal payments.

For annuity schedule, the loan payment is the same every month. When starting the loan repayment, a major part of the payment is interest. With each subsequent payment, the repayment of the principal part will increase. With annuity schedule, the loan burden is distributed more evenly and in general, the modest monthly payments enable a larger loan amount.

For equal principal payments, we distribute the principal part of loan evenly on all payments, to which interest calculated on loan balance is added (the larger the loan balance, the higher the interest). This means that the amount of monthly loan payment is larger at the beginning and decreasing towards the end of final loan term.

If you can allow yourself larger payments at the beginning of the loan term, it would be more practical to choose the schedule with equal principal payments, as in this way you will pay less interest in the end.

Grace period

Upon repayment of the principal part of loan, you can apply for a grace period for up to 18 months. You only pay interest during the grace period. You only pay interest during the grace period. In this period, loan balance decreases more slowly (compared to a non-grace period) and thus the total interest expense paid on the loan increases.

Annual percentage rate as a typical example

The initial annual percentage rate of charge of a mortgage loan is 5.06% under the following sample conditions:

  • loan amount EUR 10,000 is paid out upon conclusion of the contract;
  • interest rate 4.5% p/a on loan balance (the interest rate consists of 6 month EURIBOR and a margin of 4.5%; as at 3 March 2017, the 6 month EURIBOR rate was –0.237% (when calculating the interest, the negative EURIBOR value is considered equal to zero); the EURIBOR fixed in the contract may change every 6 months, the margin is fixed until the end of the contract);
  • repayment within 10 years in 120 monthly annuity payments;
  • contract fee EUR 150 is paid upon conclusion of the contract;
  • monthly fee of current account EUR 0.30.

The total amount of repayments payable by the client is EUR 12,476,88 and total amount is 12,662,88.
A mortgage shall be established over the real estate to secure the loan and the real estate shall be insured. The costs of establishing and insuring the pledge are not included in the annual percentage rate.

 

Application process

To apply for a loan you must be an adult citizen of the Republic of Estonia or have a long-term residence permit. Your certified and regular monthly net income must amount to at least EUR 600, for a family EUR 800.

 

1. Consultation

Client

Bank

We offer you a free comprehensive advisory service at a branch or via video. At the financial consultation we will go over your finances and assess your financial capability. If you wish to take out a loan, we will introduce you the terms and conditions of the bank.

Process and documents

 

We offer you advisory service at a branch as well as via video. At the financial consultation, we will analyse your financial needs and assess your preparedness to handle upcoming life events. We will review your and your family’s financial capability and compile a financial plan based on your needs.

 

If you are interested in acquiring real estate, we will talk about your potential financial possibilities for choosing an object. If you have already chosen the property you like, we will discuss your options for procuring it. At the consultation, we will also introduce you the terms and conditions of the bank.

 


  • A valid identification document

2. Submitting a loan application

Client

Bank

Submit a loan application: write down your loan request and your (and the person’s you are applying for a loan with) personal information and financial obligations. Remember that the bank analyses the loan project based on the information provided in the application.

Process and documents

 

Fill in a loan application at the Internet Bank, on the website of the bank, or at a bank branch. The information given in the loan application forms one base for analysing the loan project and making a decision.

 

The information provided in the application is not always sufficient. In this case, we will pose questions and ask that you submit additional documents. For example, if your income is received by another bank, you will need to submit a bank statement from that bank. The more specific information you provide us with, the faster the loan application process will be.

 


  • a bank statement of the last 12 months along with the bank’s digital approval, if your wages are received by another bank
  • documents accompanying the construction project (building permit, project, estimate of works or price proposal, agreement with the builder, etc.), if you are applying for a loan for building or renovating your home
  • if necessary, an expert assessment of the property to be acquired, as well as of the property established as collateral (specify the necessity at the bank)
  • other necessary documents (e.g. a document that proves you are in the KredEx target group etc.)

3. Ordering an expert assessment of property

Client

Property agency

Order an expert assessment for the real estate object you wish to purchase, as well as for the one established as collateral. This assessment will ascertain the market value of the object, as well as other important information about the property.

Process and documents

 

The expert assessment of property will ascertain the market value of the object. It will also include other information that should be taken notice of (e.g. information about permits and limits related to the object).

 

Before you order an expert assessment, check with the bank if it is necessary. If you do need an assessment:


  • to be specified by the property agency conducting the expert assessment

4. Completing the loan project and compiling an offer from the bank

Client

Bank

If you have provided us with all the necessary information, we will decide about the loan and make you an offer. To accept the offer, please give us feedback during the term indicated in the offer.

Process and documents

 

After receiving all the necessary information and discussing the terms and conditions of the loan, we will decide about the loan and make you an offer. The bank’s offer includes information about the main terms and conditions of the loan (issued loan amount, interest margin, collaterals, amount of the agreement fee, etc.).

 

Together with the offer, we will provide you with the borrower’s checklist, which will help you in making an informed loan decision.

 

To accept the offer, please respond to the bank during the term indicated in the offer.

 


5. Concluding a loan agreement

Client

Bank

If you accept the offer, you will sign a loan agreement.

Process and documents

 

If you accept the offer, we will send you a loan agreement project and the European standard information sheet that will include a summary of the information about the terms and conditions of the agreement.

 

Carefully read all loan documents (agreement, information sheet, etc.) before signing. If you have any questions, contact the bank or your private advisor.

 

If you are taking a loan with another person, both of you will need to sign the agreement and the information sheet either digitally or at a bank office.

 


  • A valid identification document

6. Notarial transaction

Client

Notary

Bank

Seller

After signing a loan agreement, you and other parties will formalise a mortgage agreement before a notary, and in the case of purchasing the property, a sales agreement.

Process and documents

 

The notarial transaction takes place after signing the loan agreement. An appointment time for the meeting is booked by one of the parties to the transaction (usually the bank). If the collateral is a joint asset of the spouses, both of their consent is necessary for establishing a mortgage.

 

Before approving the transaction, the notary will clarify to the parties the terms and conditions of the transaction established in the notary agreement and the ones agreed on.

 

A notary fee must be paid for the notarial transaction. The amount is established by law. A property transaction is usually accompanied by a change in the land register, for which a state fee must be paid.

 


  • a valid identification document
  • additional documents (e.g. an older document issued abroad, which is not available in the electronic register; a power of attorney of the representative or a plan annexed to the agreement; documents related to inheritance). If additional documents are needed, the notary’s office will inform the parties thereof prior to the transaction

7. Disbursement of the loan

Bank

Client

After the notarial transaction, the bank will disburse the loan.

Process and documents

 

Unless otherwise agreed in the loan agreement, we generally disburse the loan within three workdays after the notarial transaction has taken place. If the loan agreement includes additional prerequisites for the disbursement (e.g. submission of additional documents), they must also be met before the disbursement of the loan.

 


  • if necessary, the additional documents agreed upon in the loan agreement

8. Full insurance cover

Client

Bank

In order to diminish the risks that arise from sudden and unexpected events, conclude a collateral insurance and SEB loan protection coverage.

Process and documents

 

Please make sure that the building or apartment established as collateral for the loan agreement is insured against risks, and that a copy of a valid insurance policy has been forwarded to the bank.

 

The asset established as collateral must be insured at least against the risk of fire, water, vandalism, and natural disasters. The insurance must be in accordance with other terms and conditions established by the bank.

 

We recommend concluding an insurance agreement at one of our approved insurance companies. If you wish, we can send you a home insurance offer from one of our collaborating partners, PZU Kindlustus*.

 

Together with the home loan, you can conclude an SEB loan protection coverage. This will ensure a sense of security for you and your loved ones should anything happen to you to make you unable to repay the loan. In the case of unemployment, incapacity for work, severe health impairment, or death due to illness or accident, the insurance company will help you in making loan payments or will repay the whole loan amount to the bank.

 


  • A valid identification document

9. Repaying the loan

Client

Bank

You will repay the loan in accordance with a repayment schedule established in the loan agreement.

Process and documents

 

Loan payments will be automatically withdrawn from your bank account in accordance with the agreed payment schedule. The payment schedule is available to you at the Internet Bank. Please make sure that on the day of the payment, the required amount is available for withdrawal on your bank account.

 

If you learn that your income will be decreasing or disappearing, contact us immediately to find the best solution.

 

You have the right to ask us for information about our loan conditions and to receive clarifications even during the term of the loan agreement. If you have any questions, contact your private advisor.

 


10. New consultation

Client

Bank

After a year, come to another consultation where we will once again review the financial plan based on your needs.

Process and documents

 

We recommend coming to a financial consultation even after taking a loan. This will give us a chance to go over and, if necessary, adjust the financial plan based on your needs.

 


  • A valid identification document

 

* PZU is the trademark of AB “Lietuvos draudimas” Estonian branch. AB “Lietuvos draudimas” is a Lithuanian non-life insurance company, belonging to the international PZU Group.

AS SEB Pank acts as the insurance agent of the Estonian branch of AB “Lietuvos draudimas”, and is entered in the list of insurance intermediaries published on the website of Financial Supervision Authority. The list is available at www.fi.ee.

 

Simple loan annuity calculator

The conventional method of repayment for consumer loans is based on an annuity schedule. An annuity is a fixed-amount payment, consisting of both the loan principal and the interest calculated on the loan balance. When you make your first loan payments, interest represents a greater share of the annuity, but as the loan term approaches, the principal becomes proportionally greater.

Enter the initial loan sum, the term of the loan and the interest rate (percentage of the loan balance per year). An annuity consumer loan repayment schedule will be generated for the entire repayment period by each month. You will see the size of the annuity payment and be able to keep track of the decrease in the principal and size of the interest payments over time.

Notary and state fee calculator

   
1. Agreement fee  
private individual  

   consumer loan

1,5% of the loan, min EUR 35

   home loan

1% of the loan amount, min EUR 250

   overdraft

1,5% of the credit limit, min EUR 20

   student loan

free of charge

   mortgage loan

1% of the loan limit, min EUR 150
legal entity (incl. sole proprietor, farmer)  

   overdraft

1% of the credit limit, min EUR 175

   working capital loan

1% of the loan amount, min. EUR 175

   investment loan

1% of the loan amount, min. EUR 175
   start-up loan 1% of the loan amount, min. EUR 175

  apartment building renovation loan

1% of the loan amount, min. EUR 175
2. Fee for changing of contractual terms  
private individual  

   consumer loan (1)

EUR 35

   home loan, endowment loan (1)

up to 1% of the remaining loan, min EUR 150

   overdraft (1)

EUR 15
   mortgage loan up to 1% of the remaining loan, min. EUR 150

   limit loan (1)

up to 1% of the loan limit, min EUR 35

   amending the student loan repayment schedule starting from second amendment

EUR 7 (2)

service fees applicable to all the loan products for private individuals except student loan

 
   change of the current account(s) related to the loan EUR 20
  change or replacement of the co-borrower of home loan, mortgage loan, endowment loan EUR 130
   change of the paying day once a year free of charge
   change of the paying day starting from the second change of the paying day within one year EUR 20
   grace period for the principle amount of the loan

home loan and mortgage loan EUR 50;
consumer loan EUR 20

increasing the loan amount  
- consumer loan 1,5% of the loan limit, min. EUR 35
- home loan 1% of the loan limit, min. EUR 250
- mortgage loan 1% of the loan limit, min. EUR 150
- overdraft 1,5% additional credit limit, min EUR 20
legal entity  (incl. sole proprietor, farmer)  
- increasing the loan amount/limit 1% additional loan amount/limit, min EUR 175
- changing of contractual terms 1% of the remaining loan /limit, min EUR 175
3. Contractual penalties  
private individual  
- contractual penalty for the violation of the notification obligation stipulated in the agreement, incl. for not submitting the insurance policy of collateral EUR 32
- 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
legal entity  
- contractual penalty for the violation of an obligation stipulated in the loan agreement up to 5% of the loan amount outstanding at the moment of violation
4. Re-registration of a pledge established on a building into a mortgage free of charge
5. Notice of debt to borrower  
   reminder of debt free of charge
   debt claim letter EUR 5

(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) Amendment of student loan schedule due to a grace period (for the time the borrower is engaged in military services or for three years after the birth of a child) - free of charge.

 

Borrower's checklist and additional information for the applicant of private loan secured with real estate

Taking a loan is an important decision, involving risks. We would like to help you in preparing an informed decision.

When applying for a loan you should do a proper homework:

  • consider for what and how much loan you need and what would be your sources for repayment;
  • submit us true and adequate information;
  • make it clear for yourself which costs are involved in borrowing;
  • consider with the possibility that your financial situation may deteriorate and you must be able to repay the loan also when it happens;
  • examine carefully all loan documents (agreement, information sheet, etc,) before signing;
  • there are no unsolvable problems and situations, but there are different options – we are your partner, who you should contact well in advance even if you encounter problems with repaying the loan.

You may ask information about our loan conditions and get explanations both, before concluding loan agreement as well as during its term. In case of questions, contact us on the general information lines of SEB Pank.
 

When examining the loan conditions and agreement please pay special attention to the following:


1. Standard European Credit Information

Before conclusion of a loan agreement we deliver to you for your information a personal Standard European Credit Information sheet, on which we give brief information on the more important conditions of the agreement. Please examine carefully the information presented on the information sheet.

2. Solidary liability of several borrowers

If there is more than one borrower, they shall bear solidary liability upon performance of the agreement: each borrower is responsible for the repayment of loan and fulfilment of other obligations assumed under the agreement to the full extent.

3. Loan currency

We issue the loan in the currency of your residence in Estonia, i.e. in euros.

4. Loan disbursement term and conditions

Generally we disburse the loan to your current account at SEB Pank after all preconditions to loan disbursement have been met (e.g. an additional agreement, certificate, invoice, etc., has been submitted, collateral established and the withdrawal period after conclusion of the loan agreement expired). Depending on the financing project we disburse the loan either in one or several parts.

Collateral and the extent of establishing the same (amount of pledge, limit of liability of the provider of surety, etc.) are specified in the loan agreement. Generally, the amount of mortgage established over the pledged real estate is 1.3 times the loan amount.

If we request a valuation report certifying the value of real estate provided as security, you will be obliged to select the appraiser from among our accepted professionals.

5. Right to withdraw from the agreement

You may withdraw from the loan agreement within seven days after signing it, on conditions set out in the agreement. If by the date of submitting the withdrawal application we have already disbursed you the loan, you will have to return the loan amount and the accrued interest within 30 days as of submitting the withdrawal application. If you do not repay the loan within 30 days, it means that you have not withdrawn from the loan agreement.

6. Rate of self-financing

If you take a loan for buying real estate, you must provide your own financial contribution, the minimum amount of which we shall specify also into the loan agreement. As a rule, the bank shall not disburse the loan before you have paid the self-financed part.

Financial contribution may be replaced with additional collateral that suits the bank.

7. Additional obligations related to collateral

The real estate provided as collateral must be insured on conditions set out in the loan agreement. In order for us to establish that the insurance obligation has been met, you will have to send us the insurance policy.

In case you:

  • do not provide us with the insurance policy in a timely manner or
  • do not insure the property established as collateral on conditions of the loan agreement,

we shall present you a claim for contractual penalty.

If you wish to lease or rent the property provided as collateral:

  • you as a borrower or
  • the owner of the collateral

will first have to ask for our consent. Whereas we may ask you to show us the conditions of the lease or rental contract (draft contract). If our consent is not asked, we may demand contractual penalty from the borrower.

8. Purpose of the Loan

We grant the loan for a specific purpose, which shall be stated in the loan agreement. If you do not use the loan for its intended purpose, we may

  • demand contractual penalty or
  • extraordinarily cancel the agreement, demanding immediate repayment of the entire loan.

9. Interest and changes in interest

Interest is a fee, which is paid for using the loan. Interest rate is specified in the loan agreement.

Interest rate may be unfixed (floating) or fixed for a specific period.

Unfixed interest rate consists of

  • floating base interest rate i.e. euribor and
  • individual interest margin, which generally does not change over the loan term.

The interval after which euribor may change depends on your chosen euribor period upon conclusion of the agreement. E.g. the new value of 6-month euribor is fixed after every six months. This interest rate could either increase or decrease every half-year.

If the interest rate changes, also the loan repayment will either increase or decrease. This may mean higher cost of repaying the loan.

Our experience shows that loans taken during the low period of base interest rate (euribor) most likely appreciate in the future, since the interest rate will rise. Our loan agreement does not contain a provision, which would stop the rise of interest rate in case the base interest rate increases.

Please consider whether you are still able to make the loan payments should the interest rate rise 2-3%. Please find here a housing loan calculator to assist you, which enables to try out different interest change scenarios.

Negative value of base rate is deemed to equal zero.

In order to mitigate the risk of raising euribor, we suggest fixing the interest rate for an agreed period. Fixed interest rate comprises

  • individual interest margin and
  • fixed base interest rate, which we calculate based on the interest rate quoted for loans granted in euros at the international financial markets.

If your wish during the fixed interest period to

  • repay part of the loan or the entire loan not considering the repayment schedule,
  • change the fixed interest rate into floating interest or
  • shorten the loan term

and the market interest rate is lower at the moment of making the said changes than the fixed interest rate agreed in the loan agreement, the bank will be entitled to request interest difference charge.

Market rate is the interest rate fixed for loans granted in euros at the international financial markets, which is in force until the end of the validity of the fixed base interest rate.

10. Loan repayment

We debit the payments to be made under the loan agreement from your current account. If you have taken the loan together with a co-borrower, we will have the right to debit the loan payments also from their current account.

To repay the loan and pay interest we shall agree on a payment schedule.

Based on an annuity schedule, you will make equal payments (annuity payments) in each month, consisting of

  • repayment of principal part and
  • interest.

For annuity schedule, the loan payment is smaller and interest payment bigger at the beginning of the loan term. At the end of the loan term, the division is the opposite. If the interest rate changes or the loan repayment date is changed or if you repay the loan in bigger extraordinary payments, then also the amount of annuity payment will change.


For a schedule with equal principal parts, you will pay equal principal amounts, to which interest shall be added, throughout the loan term. Accordingly, the amount payable to the bank is different each month.


During a grace period, agreed with us, you will pay only interest. In this period the loan balance will decrease at a slower pace (compared to the period without grace period) and accordingly, the total cost of interest paid on the loan will increase.

Upon request, we will forward you a sample repayment schedule at the conclusion of the agreement, which shows the principal and interest payments.

11. Early repayment

You may prepay the loan in full or in part, if you inform us of your wish 10 days in advance and pay a contractual fee. The amount of contractual fee depends on the collateral and interest rate.

If you prepay a loan secured with mortgage

  • during the floating interest rate period, the maximum contractual fee will equal three-month interest, which is calculated on the part of loan to be prepaid on the repayment date based on the effective interest rate. Contractual fee is not applied if the term for advance notice is at least three months;
  • during the fixed base interest rate period, if on the loan repayment date the valid market rate is lower than the fixed interest rate, the contractual fee shall equal the interest difference charge. We calculate the respective interest difference charge on the amount repaid pre term, based on the rate of interest difference charge, effective until the end of validity of the fixed base interest rate. The rate of interest difference is the difference between the fixed base interest rate and the market interest rate as a percentage per year. Market rate is the interest rate fixed for loans granted in euros at the international financial markets, which is in force until the end of the validity of the fixed base interest rate. We calculate the interest difference charge based on the market interest rate effective on the repayment date.

12. Amendment of conditions of your loan agreement

Generally, the conditions of the agreement (incl. interest rate) are amended upon agreement of both parties and this shall be recorded in the annexes to the agreement. As a rule, a fee is charged for amending the conditions of a loan agreement.

13. Special conditions of the loan agreement

If the loan agreement contains mandatory special conditions, you will have to follow these with utmost care. Only this way you may be sure that the agreement will remain in effect.

14. Consequences and costs of violating the loan agreement

If you do not make the contractual payments in due time, we may demand penalty for late payment. We calculate the amount on the delayed payments proceeding from the rate of penalty for late payment specified in the agreement. If you violate a non-monetary obligation, we will be entitled to charge contractual penalty in the rate as set out in the agreement.

Should you remain in arrears, we will first send you a reminder. If the debt is still not settled, we shall send you a debt notice, for which you will be charged and we also inform the persons, securing the agreement, of the debt.

If the payments are overdue for more than 45 days, we shall forward the debt information to a payment default registry (AS Krediidiinfo).

15. Cancellation of the agreement and the consequences thereof

We are entitled to extraordinarily cancel the loan agreement for example if you have partly or fully delayed at least three successive payments.

If you do not repay the loan upon cancellation of the loan agreement, we shall request repayment of loan and fulfilment of other monetary obligations from the provider of surety or settle from the sales proceeds of collateral. All costs related to debt collection shall be borne by you.

16. Non-recurrent charges related to conclusion of the agreement

When signing the agreement you will pay a contract fee in the amount and on conditions set out in the agreement. Please read also the price list of loans.

If you secure the performance of the agreement with a pledge, you may incur as single charges:

  • state fee;
  • notary fee;
  • fee for the valuation of collateral;
  • insurance premium;
  • security contract fee (in case of KredEx guarantee).

17. Fixed costs of loan period

The following fixed costs related to the performance of the loan agreement are added to loan and interest payments:

  • monthly fee of current account;
  • costs of insuring the collateral assets;
  • costs related to ordering an expert opinion of the collateral assets, if an additional expert opinion of necessary;
  • loan protection coverage, if you have chosen this cover;
  • currency conversion cost: if on the payment date the funds in the account determined for servicing the loan are insufficient in the loan currency, we may debit the payment in the funds of the account available in other currency, converting them into the loan currency based on the exchange rate effective at SEB at the moment of transfer.

18. Obligation to open an account and transfer the earnings

You (and your co-borrower) will have to open a current account with SEB Pank by the date of signing the loan agreement for the entire loan term. Your regular earnings transferred to the account determined for servicing the loan must be sufficient to cover at least the monthly loan payment.

19. Risk of possible decrease in solvency of the borrower

Please consider how you will cope with the repayment of loan, should

  • the overall economic environment deteriorate
  • your salary or other income decrease and/or
  • your other expenditures increase.

Analyse the actual financial situation of your family and consider taking out a suitable insurance contract (such as SEB Loan Protection).

Contact us immediately if you encounter solvency problems. Call us right away also if your employment is terminated or an execution proceeding is commenced against you or your bank account has been seized. Together we shall find the most suitable solution to the situation. One possible solution could be for example amendment of the payment date or granting a grace period.

Grace period means that we shall suspend the repayment of principal part of loan for a certain period. Whereas you may also apply for postponement of the final repayment date by a grace period.

20. Complaints and disputes

If you have any complaints concerning our activity, then first try to resolve the issue by negotiating with us. You can read about the general procedure of settling the disputes on our website at http://www.seb.ee/eng/legal/how-complain, however you may always contact also your private client executive.

If you feel that our answer is not the one you expected from us and you still think that we have violated your rights when granting the loan, you will have the right to turn to the Consumer Protection Board (Pronksi 12, 10117 Tallinn; www.tarbijakaitseamet.ee) or the Financial Supervision Authority (Sakala 4, 15030 Tallinn; www.fi.ee), for advice and explanations.

Furthermore, in order to resolve a dispute you may contact the Consumer Disputes Committee operating at the Consumer Protection Board or turn to court. A complaint to the Consumer Dispute Committee can be submitted also digitally via Online Dispute Resolution website at https://webgate.ec.europa.eu/odr/main/index.cfm?event=main.home.show&lng=ET.

Base rates

Valid as 14.12.2017
1-month EURIBOR® -0,3710
3-month EURIBOR® -0,3310
6-month EURIBOR® -0,2710
12-month EURIBOR® -0,1920
EONIA® -0,3620
Bank's base interest 0,0000
EURIBOR® historical data
EONIA® historical data

Contact

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