You may apply for a loan colsultation to learn more about the available loan amount, down payment and other information related to the home loan.
To discuss loan related issues with a bank specialist please use video consultation in internet bank or visit SEB branch.
Use Home loan calculator to learn approximate amount of monthly loan payment.
To receive an indicative loan offer please fill in a loan application in internet bank.
Borrow deliberately, assessing your capacity to repay the loan.
Amount of financing |
Classical loan - up to 85% of the real estate market value |
Loan with state pledge - up to 95% of the real estate market value |
Loan with “keys back” option - up to 60% of the real estate market value |
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Financing for purchase, renovation, construction or improvement of a home. Your current home or one you will purchase will be used as a collateral. |
Who can apply for a state guarantee:
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“Keys back” option provides that if the customer can no longer fulfil the obligations, after the sale of the real estate (pledge of the loan), the customer will be released from the remaining obligations of the loan. | ||
Each application for a loan will be evaluated individually. |
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Term for repayment of the loan |
Up to 30 Years. |
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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 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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Required documents | ||||
Early loan repayment | Early repayment of the home loan is possible without additional fee. | |||
Ten steps for receipt of the loan |
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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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Loan payment insurance |
In order to avoid unplanned financial losses and protect the relatives from taking over of loan liabilities in situations when unexpected difficulties with loan repayment arise, we offer loan payment insurance. The monthly insurance payment, starting from 5 EUR, provides an opportunity to receive insurance indemnity in situations involving your involuntary unemployment or temporary disability, as well as allows you to save your property because the insurer will cover the loan balance in the event of your permanent disability or death. |
Property insurance |
For your convenience, we offer to insure your property at our partner If P&C Insurance AS Latvijas filiāle. To find out more about the insurance options and special offers, call +371 26668777. Insuring your home results in you gaining security as well as an opportunity to avoid unexpected financial losses that might arise from theft, fire, a water-supply system accident or other accidents. Please, make sure that the prepared property insurance policy meets the following criteria:
Please send the renewed insurance policy to e-mail address or deliver it to any SEB bank branch by the expiry date of the current insurance policy. Benefits of insuring property at If:
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You may apply for a loan or consultation in any SEB bank branch or by calling +371 26668777, or by using Skype: SEB_Latvija.
A consultation with a private advisor of SEB bank may prove useful to you in order to find out the amount of the loan that you could receive, to discuss the most appropriate types of payment, as well as to receive answers to your questions in relation to the loan.
Services | Fees |
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Revision of the application | Free of charge |
Processing of the loan, increasing (% of the loan amount)1 | up to 1,5%, min 75.00 EUR |
Repayment of the loan before maturity | Free of charge |
Reserving resources (% of the unused amount of the granted loan) | 0,5% per year |
Other changes on the customer's initiative (% of the loan balance)1 | 0,9%, min 70.00 EUR |
Changing of the loan repayment account1 | 15.00 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 |
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Valuation of collateral | By agreement |
Preparation, processing and approval of bank's consent upon the customer’s request | 20.00 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.
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