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Home purchase
without commission fee

We are removing commission fees on mortgage loan for home purchase,
construction and repair

* Offer is valid until 31.12.2023.



interest rate

Up to

30 years




down payment

Choosing SEB provides you various benefits

Loan consultations for home purchase and construction

Remote application and signing of the agreement

Responsible home purchase through Green Home loan

Our homes have a big impact on the environment. Therefore, we would like to encourage the construction and purchase of energy-efficient homes.

  • Beneficial and individually determined loan conditions
  • Lower monthly bills 
  • Environmentally friendly 
  • Healthier home environment 
  • Long-term property value advantage 

Home loan calculator

Calculation example: real estate price 80 000 EUR, customer down payment 12 000 EUR, loan amount 68 000 EUR, interest rate is 6%, the interest rate is variable and consists of the total sum of margin and base rate, loan repayment term 30 years, monthly payment 410 EUR (360 payments in total), calculated according to annuity method. Commission fee for processing the loan is - 0.5% from loan amount min. 100 EUR, commission fee for servicing the current account - 1 EUR per month*. Annual percentage rate of charge (APRC) 6.36%, total amount to be paid 148 840  EUR. The loan is secured by a real estate mortgage, the mentioned real estate must be insured for the entire duration of the loan agreement.

*Until 31.12.2023. all services related to processing or changing the loan agreement are free of charge, except for "Uninsured collateral maintenance".

New home in just 10 steps




  1. Consultation

    Apply for a free consultation about the home loan either remotely online or in person. Please indicate information about the house you wish to buy and your financial possibilities in the application form so that we can discuss your needs and financing solutions more thoroughly during the consultation.
  2. Property evaluation

    Acquire property evaluation. When purchasing property in the new projects (LAT) of our partners, the evaluation might already be prepared. However, in most cases a certified real estate valuer needs to prepare the evaluation.
  3. Loan application

    Submit the loan application.
    Please provide accurate and complete information in the application so we can evaluate your ability to repay the loan and make a decision on granting the loan. If necessary, your customer executive might ask you for documents that relate to your income or are needed to evaluate the granting of the loan. 

Learn more

What SEB offers

  • Individual application’s evaluation and interest rate
  • Down payment starting from 15% (from 5% with ALTUM guarantee)
  • Loan repayment term of up to 30 years
  • Possibility to defer principal payments
  • You can make a full or partial loan early repayment in the internet bank, as well as conveniently change monthly payment date and account

ALTUM support

Support for purchasing or constructing a home is available in cooperation with the state development finance institution ALTUM. You can learn more about the terms and conditions, as well as the available support programmes on the ALTUM website.

More information about the home loan

Until 31.12.2023. all services related to processing or changing the loan agreement are free of charge, except for "Uninsured collateral maintenance".

Service Fee
Revision of the application Free of charge
Processing of the loan, increasing (% of the granted amount)1 0,5%, min 100.00 EUR
Repayment of the loan before maturity Free of charge
Reserving resources (% of the unused amount of the granted loan if loan disbursement term is prolonged and loan purpose is construction) 0,5% per year
Other changes on the customer's initiative (% of the loan balance)1 0,5%, min 100.00 EUR
Change of the monthly loan repayment date in the internet bank Free of charge
Change of the account used for monthly repayment in the internet bank Free of charge
Preparation, drawing up or approval of documents if the loan is refinanced to another credit institution 400.00 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 400.00 EUR
Uninsured collateral maintenance2 20.00 EUR per month
Additional services3  
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 Commission fee is applied if the collateral is not insured (insurance policy is not provided to the bank) more than 30 days since expiration of the previous insurance policy.

3 The fee for issuing of references (per document) is set in “Processing of Customer's documents“ section.

Amount of financing

Classical loan - up to 85% of the real estate market value

Financing for purchase, renovation, construction or improvement of a home. Your current home or one you will purchase will be used as a collateral.

Each application for a loan will be evaluated individually. 

Loan with state pledge - up to 95% of the real estate market value

Who can apply for a state guarantee:

  • families with dependent children under the age of 23
  • young specialists with a higher or vocational education under the age of 35

Each application for a loan will be evaluated individually. 

Term for repayment of the loan

Up to 30 Years.

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 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.

For home purchase, repair or refurbishment:

  • Identity documents
  • Income documents (if not received at SEB account)
  • Real estate valuation prepared by a certified appraiser
  • Evidence of your participation - a deposit or purchase agreement and proof of payment or an extract from the account/li>
  • In the case of repair or refurbishment, the description of the work to be carried out or an estimate
  • Other documents at the request of a bank specialist, if any

For housing construction:

  • Identity documents
  • Income documents (if not received at SEB account)
  • Real estate valuation made by a certified appraiser
  • Your certificates of participation (invoices, checks, etc.), a deposit or purchase contract (in case of purchase of land or new building) and proof of payment or statement of account
  • Total construction cost estimate
  • Approved construction project
  • Valid construction permit
  • Other documents at the request of a bank specialist, if any

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).

The most convenient way to purchase a home insurance which meets banks requirements is in the Insurance section of the internet bank
If you wish, you may also submit a valid insurance policy issued by another insurer, in this case please make sure that the policy meets the following criteria:

  1. The sum insured for the real estate and equipment is equal to the replacement value (insurance sum for apartments at least 1000.00 EUR/m2; for houses and other living premises - 1200.00 EUR/m2) or the actual value if the property is depreciated;
  2. The real estate is insured, including the supporting structures with finishing;
  3. Insured risks: Fire, natural disasters, technical communication, theft, and robbery, or coverage of all construction risks, if the construction or reconstruction works on the object are carried out by a construction company;
  4. Under the loan agreement, AS “SEB banka”, reg. No. 40003151743 must be specified as the Beneficiary of the insurance indemnity for which the payment of insurance indemnity is due in the amount of outstanding loan liabilities at the occurrence of the insured event;
  5. Deductibles are not bigger then 10% of insurance sum.

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

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


Larger purchases and travelling




Improving home energy efficiency