You can use the consumer loan for many purposes – renovate your home, buy household appliances, cover your medical expenses, go travelling, pay your tuition fees, or buy a car. Formalisation of the loan agreement is quick and simple. We usually grant the consumer loan without requesting any collateral.
Terms and conditions | |
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Loan amount |
1,000–15,000 euros The maximum loan amount depends on your income and existing obligations. If your desired loan amount is under 1,000 euros, you can use credit card with fixed payment . |
Interest rate |
Minimum interest rate 7% You can also influence the interest rate yourself. We charge you less interest on your consumer loan if you get SEB loan protection coverage together with the loan. |
Agreement fee | 1.5% of the loan amount, min 35 euros |
Term | 6 months to 5 years |
Grace period | Up to 6 months |
Annual percentage rate as a typical example |
The annual percentage rate of charge of a consumer loan is 16.07% under the following sample conditions:
The total amount of repayments payable by the client is EUR 7,010.55 and total amount is EUR 7,103.55. |
How to apply
The easiest and quickest way is to fill in a consumer loan application in SEB Internet Bank.
You can also submit a paper copy of your consumer loan application to your nearest SEB branch.
If you are not an SEB client or your salary is not paid to an SEB account, you will also need to submit your bank statement for the last six months.
Requirements for applicant
You can apply for a consumer loan if
You can also apply for a consumer loan with a co-applicant.
Private person | |
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1. Home loan, mortgage loan | |
- agreement conclusion | 1% of the loan amount, min. EUR 250 |
- agreement amendment (1) | up to 1% of the remaining loan, min. EUR 250 |
- changing the payment date once in a year | free of charge |
- changing the payment date as of the second change of payment date in one year | EUR 20 |
- change of the current account(s) related to the loan | EUR 20 |
- extending the loan disbursement period | EUR 50 |
- grace period for the principle amount of the loan | EUR 50 |
2. Consumer loan | |
- agreement conclusion | 1,5% of the loan, min. EUR 35 |
- agreement amendment (1) | EUR 35 |
- changing the payment date once in a year | free of charge |
- changing the payment date as of the second change of payment date in one year | EUR 20 |
- change of the current account(s) related to the loan | EUR 20 |
- grace period for the principle amount of the loan | EUR 20 |
3. Overdraft | |
- agreement amendment (1) | EUR 15 |
- changing the payment date once in a year | free of charge |
- changing the payment date as of the second change of payment date in one year | EUR 20 |
4. Student loan | |
- agreement conclusion | free of charge |
- 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 once in a year | free of charge |
- changing the payment date as of the second change of payment date in one year | EUR 20 |
- 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 once in a year | free of charge |
- changing the payment date as of the second change of payment date in one year | EUR 20 |
7. Other loan-related services | |
-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 |
- 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 |
Legal entity | |
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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 |
(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).
A small loan contract permits you to conclude SEB Loan Protection coverage. Loan protection offered by SEB Elu- ja Pensionikindlustus and PZU* Kindlustus* involves insurance solutions that help the policyholder to ensure that in the events of unemployment, severe health impairment, incapacity for work or death the loan or part of it will be repaid to the bank.
Loan protection coverage for a small loan includes
SEB Loan protection coverage can be concluded for a small loan if
- cardiovascular diseases (for example, ischaemic heart disease, heart attack, angina pectoris/stenocardia, heart failure, arrhythmia, stroke or similar);
- malignant tumour, leukaemia, lymphoma or other malignant disease, including brain tumour (either benign or malignant);
- mental or nervous system disorders (diagnosed by a psychiatrist);
- chronic or recurring disease (for example kidney, liver, respiratory tract, pancreas, digestive system or neurological disorders, epilepsy, diabetes or similar).
The insurance period of life insurance cover shall commence upon concluding the insurance contract and shall last until the end of the loan period. The insurance period of severe disability cover, temporary disability cover and unemployment cover shall be one year and it shall be extended automatically, unless the bank is informed of a wish to terminate the insurance contract.
Insurance premiums shall be paid together with loan repayments every month until the end of the loan period. The amount of the insurance premium depends on the actual loan repayment amount and/or loan balance.
Loan protection coverage can be concluded simply and conveniently in SEB Internet Bank or at a branch together with a small loan contract.
In case of an insured event you should inform SEB Elu- ja Pensionikindlus of the event at the first opportunity by calling 665 8020 or emailing . Further information on loss adjustment can be found here.
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 your homework:
You may ask information about our loan conditions and get explanations both before concluding the loan agreement and during its term. In case of questions, contact us via our general contact channels.
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