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
Service | Fee |
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Revision of the application | Free of charge |
Processing of the loan, increasing (% of the granted amount)1 | 1,5%, min 75.00 EUR |
Repayment of the loan before maturity | Free of charge |
Other changes on the customer's initiative (% of the loan balance) | 0,9%, min 70.00 EUR |
Preparation, drawing up or approval of documents if the loan is refinanced to another credit institution | 700.00 EUR |
Preparation, drawing up or approval of documents if the pledged immovable property is being sold and if the transaction is financed by another credit institution | 700.00 EUR |
Uninsured collateral fee2 | 10.00 EUR per month |
Additional services | |
Valuation of collateral | By agreement |
Preparation, processing and approval of bank's consent upon the customer’s request | By agreement, min 70.00 EUR |
1 The commission fee must be paid on the day the agreement or amendments are signed.
2 The fee is charged if the collateral is not insured for more than 30 days.
Term for Repayment of the Loan |
Up to 30 Years The period of the loan is determined individually, by evaluating each case separately. |
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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. |
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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. |
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Early loan repayment | Early repayment of the home loan is possible without additional fee. | ||
Additional Information |
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The amount of the monthly instalment |
The sum of the monthly instalments depends on several factors:
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.
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:
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Related costs |
One-off costs:Bank-related expenses:
Non-bank-related expenses:
Repeated costs:
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Important to know
Which loan type is the most suitable for you?
Select the goal you wish to achieve and compare the available financing solutions.
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