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Home Equity Loan


Choosing SEB provides you various benefits

Loan repayment schedule of up to 30 years

Possibility to defer principal payments, if necessary

Remote application and agreement signing, without the need to visit the bank

Calculate loan monthly payment

Annual interest rate (AIR) is the calculated total cost of the loan to the borrower, expressed as the annual rate of the loan. The calculations made using the calculator are of an informative nature. To find out more accurate information, please apply for a consultation with the loan officer of SEB bank. Borrow responsibly, having regard to your ability to repay the loan.

More information

Услуга Цена
Рассмотрение заявки Бесплатно
Оформление, увеличение кредита (% от выделенной суммы)1 1,5%, мин. 75.00 EUR
Досрочный возврат кредита Бесплатно
Другие изменения по инициативе клиента (% от остатка кредита)1 0,9%, мин. 70.00 EUR
Изменение счета возврата кредита1 15.00 EUR
Составление, оформление или согласование документов, если кредит рефинансируется в другой кредитное учреждение 700.00 EUR
Подготовка, оформление или согласование документов, если заложенное недвижимое имущество продается, а сделка финансируется в другом кредитном учреждении 700.00 EUR
Комиссия за незастрахованный залог2 10.00 EUR в месяц

Дополнительные услуги

Оценка обеспечения По договоренности
Подготовка, оформление и согласование согласия банка по запросу клиента По договоренности, мин. 70.00 EUR


1 Внесение комиссионной платы осуществляется в день заключения договора или внесения поправок.

2 Комиссия взимается, если залог остается незастрахованным дольше 30 дней.

Term for Repayment of the Loan

Up to 30 Years

The period of the loan is determined individually, by evaluating each case separately.

Monthly Instalment of the Loan

May not Exceed 40% of Your Net Income together with your other loan and leasing payments

On the date specified by you, loan repayment takes place automatically from your current account in SEB bank.

Preconditions for the Receipt of a Loan

Stable, Regular and Sufficient Income for the Performance of Loan Liabilities

Bank evaluates your declared income: salary, income from the economic activity, rent, etc.

Positive Borrowing History

Prior to granting the loan, your previous financial liabilities will be evaluated. Positive borrowing history consists from prompt performance of liabilities.

Collateral on the Loan

Bank evaluates the condition and market value of the property.

Early loan repayment Early repayment of the home loan is possible without additional fee.
Additional Information

Terms and conditions of the loan may differ for each transaction.

Amount of the loan, repayment term and other terms and conditions are evaluated according to the purpose of the loan, value of the collateral, and paying capacity of the customer.

The amount of the monthly instalment

The sum of the monthly instalments depends on several factors:

  • The amount of the interest rate and fluctuations thereof - the lower the interest rate, the lower the monthly instalment;
  • Period of the loan — the longer the term, the lower the monthly instalment.

Schedules of loan repayment

Schedules of loan repayment


Annuity payments: during the validity term of the loan agreement payments of the principal sum and interest are separated into as equal payments as possible. Amount of the monthly instalment will be constant in the respective period of the interest rate change.

Linear payments: payment of the principal sum remains constant during the validity term of the loan, but interest is calculated from the unpaid part of the loan.

The interest rate of the loan

Variable interest rate will be applied to your loan, consisting of:

1) Base rate - variable part of the interest rate. You will be able to choose either a short-term or a long-term interest rate.

  • Short-term interest rate is determined for 3, 6, 12 months. It is usually lower than the long-term interest rate, but it fluctuates depending on the market situation (every 3, 6 or 12 months respectively), thus it will be more difficult for you to plan your expenses, but in the case of a favourable market situation you might be the winner.
  • Long-term interest rate is determined for a period of 2 to 5 years; usually it is higher than the variable rate, but remains constant for a longer period of time. Thus, you can reduce your risk, because the interest rate cannot change frequently.

Information on inter-bank rates (money value in the market)!

2) Margin rate - fixed part of the loan interest rate, and main criteria for the determination of the amount of the interest rate are:

  • Stability of income and the capacity to prove it;
  • Previous cooperation with SEB bank, performance of liabilities;
  • Total amount of liabilities;
  • Amount of the first instalment;
  • Collateral on the loan — market value of the property.

Related costs

One-off costs:

Bank-related expenses:

  • Commission fee for the processing of the loan (documents) in accordance with the SEB bank price list.

Non-bank-related expenses:

  • Real estate evaluation;
  • Notarial services (drawing up requests for corroboration in order to change the ownership rights and registration of mortgage, etc.);
  • State fees and stamp duties for registration of the ownership rights and mortgage in the Land Register.

Repeated costs:

  • Real estate insurance;
  • Loan payment insurance (if the service is used).

Which loan type is the most suitable for you?

Select the goal you wish to achieve and compare the available financing solutions.

Home purchase or construction


Buying a car


Home renovation and furnishing


Daily needs and larger purchases






Loan payment insurance

  • Financial support to the borrower and family members in the event of serious health problems, as well as in case of loss of life or forced unemployment
  • Security as the family is protected from the loss of property in unexpected life situations
  • Insurance can be purchased conveniently in the internet bank, and the premium is deducted automatically together with the loan payment