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Private

Overdraft

Overdraft

Loan for unexpected outgoings

  • Flexible repayment schedule
  • Interest paid only on the limit used

We do not accept new overdraft applications starting from 25.11.2019.
As an alternative, you can apply for a credit card.

Terms and conditions
Interest rate 19% of used loan limit per year.
You only pay interest for the days when you used the overdraft limit.
The overdraft interest rate is lower for people whose SEB Plan contains the relevant discount.  
Limit fee 1% of total loan limit per year
Agreement fee As shown in price list
Term One year. Extends automatically, unless you or the bank have requested termination of the overdraft agreement.
Annual percentage rate as a typical example

The annual percentage rate of charge of an overdraft is 22.97% under the following example conditions:

  • the credit limit of €1,000 is taken into use immediately and fully;
  • fixed interest rate of 17% per annum on the used credit amount as a monthly payment;
  • limit fee of 1% per annum on the total limit;
  • the term of the agreement is 1 year;
  • credit repayment in one instalment after 12 months from taking the credit into use;
  • contract fee of €20 is paid upon the conclusion of the agreement;
  • monthly fee of the current account is €0.30.

The total amount of repayments payable by the client is €1,172.83 and total amount is €1,206.75. If the agreement includes a clause about the automatic extension of the term of the agreement, the amount of repayments and the total sum may be larger.

 

Private person  
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  
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).

 

Base rates

Valid as 14.04.2021
1-month EURIBOR® -0,5500
3-month EURIBOR® -0,5380
6-month EURIBOR® -0,5090
12-month EURIBOR® -0,4820
EONIA® -0,4780
€STR -0,5600
Bank's base interest 0,0000
EURIBOR® historical data
EONIA® historical data
€STR historical data

 

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