Liisi hire purchase
With the Liisi hire purchase, you can pay for your purchases in flexible instalments over a longer period.
Hire purchase
up to €25,000
Period up to
120 months
Contractual and management fee
from €0
Down payment
from €0
Apply for hire purchase limit
Liisi hire purchase helps you spread the cost of your purchases over time. It is available in many stores and online shops across Estonia.
You can check your personal hire purchase limit by applying in Holm self-service. Once your limit is approved, you can choose Liisi hire purchase at checkout when shopping online, sign the agreement, and complete your purchase. In-store, the salesperson will submit the application for you. You can sign the agreement either on paper or digitally, whichever suits you best.
For greater flexibility, you can choose Liisi Pluss hire purchase. This allows you to shop not only in Estonia, but also in stores and online shops worldwide. Simply apply in Holm self-service and use hire purchase wherever it suits your needs.
Liisi hire purchase campaigns
ON24
Liisi 3 - pay in three parts with no extra costs
Interest rate 0%
Contract fee €0
Down payment €0
Liisi Plus for shopping anywhere!
Do you want hire purchase where Liisi hire purchase is not offered? Or to make an application and contract conveniently at a time that suits you directly on your smart device?
With Liisi Plus, you can use hire purchase everywhere - both in Estonia and abroad, at any store or service provider. You can use Liisi Pluss hire purchase for both new purchases and financing already paid invoices. You can conveniently submit the application in our self-service, and the desired purchase amount will be transferred directly to your account.
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Frequently asked questions
All citizens of the Republic of Estonia or people with a permanent residence permit in Estonia at least 20 years of age can use Liisi hire purchase. Your income must be at least 385 euros a month and you must not be in arrears.
You can sign a Liisi hire purchase contract in the store on paper or digitally with an ID-card, Mobile-ID, or Smart-ID.
A credit limit is a monetary limit within which you can purchase goods or services. With Liisi hire purchase, it is possible to apply for a maximum of 25 000 euros. Your possible hire purchase limit will be determined after you submit the application. Ask for an offer from a store suitable for you or before the purchase from us.
The contract fee is from 0 euros. The amount of the contract fee depends on the store and the ongoing campaigns.
Liisi instalments and small loans are paid on the basis of a payment schedule (annex to the contract). Holm does not send a monthly invoice. Make sure that the payment reaches our account no later than the payment deadline (for example, on holidays and public holidays, the transfer of interbank payments may be delayed). In order not to forget the payment, you can enter into a standing order in your Internet bank. You can also follow the payment schedule in our self-service environment.
With Liisi hire purchase contracts, the reference number is the contract number, which you can find in the header of the contract.
Yes. The repayment period of Liisi instalments can be 1–120 months. The exact payment schedule will become clear after assessing your solvency.
Yes – the amount overpaid will be an advance on the next instalment(s).
Yes, you can repay the loan or part of it received under the Liisi hire purchase contract ahead of time. If you want to do so, notify Holm in writing on paper or by e-mail at [email protected].
Yes, it is usually possible to make the Liisi hire purchase payment schedule longer or shorter and to change the payment date. If you want to do so, notify Holm in writing on paper or by e-mail at [email protected].
Swedbank
Log in to the Internet bank of swedbank.ee.
Select ‘Everyday banking’ and ‘Account statement’.
Mark the period ‘Start’ (6 months ago from today) and ‘End’ (today).
Select ‘Send inquiry’.
Then click "Download" at the top right of the displayed statement.
You can save the document in ASICE format to the computer with the confirmation of the bank, or send it to [email protected] together with the personal identification code. You can also upload your account statement in our self-service environment.
SEB
Log in to the Internet Bank from https://www.seb.ee/eng?c=1
Select ‘Transactions’ from the menu and then ‘Account statement’.
Select the period: ‘From’ (6 months from today) and ‘Until’ (yesterday).
Select ‘Digitally signed’ and then save the account statement to your computer.
Send the saved account statement together with your personal identification code to [email protected]. You can also upload your account statement in our self-service environment.
LHV
Log in to the Internet Bank from https://www.lhv.ee/en
Select ‘Assets and liabilities’ from the menu and then ‘Account Statement’.
Select the period: start date (6 months ago from today) and end date (today).
Then, click the ‘Save’ button at the top right and save the account statement in ASICE format to your computer.
Send the saved account statement together with your personal identification code to [email protected]. You can also upload your account statement in our self-service environment.
Coop Pank
Log in to the Internet Bank from https://www.cooppank.ee/en
Select ‘Statement’.
Select the period: ‘From’ (6 months from today) and ‘Until’ (today).
Select ‘Account statement’.
Click ‘Save’, select the ASICE file format, and save the account statement to your computer.
Send the saved account statement together with your personal identification code to [email protected]. You can also upload your account statement in our self-service environment.
Luminor
Log in to the Internet Bank from https://www.luminor.ee/en/private
Select ‘Post’, select the subject ‘Account’, and enter the content of the message: ‘Please send a digitally signed statement for my account No. xxx for the last 6 months to the e-mail address.’
Please note! Luminor only sends encrypted (CDOC format) statements by e-mail, which you can only open with your ID-card and PIN 1 (decrypt with an ID-card). Then, save the file in ASICE format (as a digitally signed file) to your computer. Send the saved statement together with your personal identification code to [email protected].
You can also upload your account statement in our self-service environment.
Log in to the Internet bank of swedbank.ee.
Select ‘Everyday banking’ and ‘Account statement’.
Mark the period ‘Start’ (6 months ago from today) and ‘End’ (today).
Select ‘Send inquiry’.
Then click "Download" at the top right of the displayed statement.
You can save the document in ASICE format to the computer with the confirmation of the bank, or send it to [email protected] together with the personal identification code. You can also upload your account statement in our self-service environment.
SEB
Log in to the Internet Bank from https://www.seb.ee/eng?c=1
Select ‘Transactions’ from the menu and then ‘Account statement’.
Select the period: ‘From’ (6 months from today) and ‘Until’ (yesterday).
Select ‘Digitally signed’ and then save the account statement to your computer.
Send the saved account statement together with your personal identification code to [email protected]. You can also upload your account statement in our self-service environment.
LHV
Log in to the Internet Bank from https://www.lhv.ee/en
Select ‘Assets and liabilities’ from the menu and then ‘Account Statement’.
Select the period: start date (6 months ago from today) and end date (today).
Then, click the ‘Save’ button at the top right and save the account statement in ASICE format to your computer.
Send the saved account statement together with your personal identification code to [email protected]. You can also upload your account statement in our self-service environment.
Coop Pank
Log in to the Internet Bank from https://www.cooppank.ee/en
Select ‘Statement’.
Select the period: ‘From’ (6 months from today) and ‘Until’ (today).
Select ‘Account statement’.
Click ‘Save’, select the ASICE file format, and save the account statement to your computer.
Send the saved account statement together with your personal identification code to [email protected]. You can also upload your account statement in our self-service environment.
Luminor
Log in to the Internet Bank from https://www.luminor.ee/en/private
Select ‘Post’, select the subject ‘Account’, and enter the content of the message: ‘Please send a digitally signed statement for my account No. xxx for the last 6 months to the e-mail address.’
Please note! Luminor only sends encrypted (CDOC format) statements by e-mail, which you can only open with your ID-card and PIN 1 (decrypt with an ID-card). Then, save the file in ASICE format (as a digitally signed file) to your computer. Send the saved statement together with your personal identification code to [email protected].
You can also upload your account statement in our self-service environment.
In case of payment difficulties, contact Holm Bank as soon as possible, you can find the necessary guidelines here.
A politically exposed person is a natural person who performs or has performed important functions of public authority and who continues to be exposed to the risks associated with it. The performers of important functions of public authority are:
• the head of state or government;
• a minister and deputy or assistant minister;
• a member of Parliament or a member of a legislative body similar to Parliament;
• member of the governing body of a party;
• a judge of the supreme judicial body of the State or member of the Supreme Court;
• the Auditor General and a member of the supervisory board or management board of the central bank,
• an ambassador, an envoy, or chargé d’Affaires;
• a senior officer of the Defence Forces;
• a member of the management board and administrative or supervisory body of a company controlled by the state;
• the head, deputy head, and member of the governing body of an international organisation. A politically exposed person is also considered to be a family member of such a person (spouse or person considered to be equivalent to the spouse, parent, child, spouse of the child, or person considered to be equivalent to the spouse). A close associate of a politically exposed person is a natural person who:
• is the beneficial owner of a legal person or trust with a politically exposed person;
• has a close business relationship with a politically exposed person;
• is the beneficial owner of a legal person or trust established for the benefit of a politically exposed person.
• the head of state or government;
• a minister and deputy or assistant minister;
• a member of Parliament or a member of a legislative body similar to Parliament;
• member of the governing body of a party;
• a judge of the supreme judicial body of the State or member of the Supreme Court;
• the Auditor General and a member of the supervisory board or management board of the central bank,
• an ambassador, an envoy, or chargé d’Affaires;
• a senior officer of the Defence Forces;
• a member of the management board and administrative or supervisory body of a company controlled by the state;
• the head, deputy head, and member of the governing body of an international organisation. A politically exposed person is also considered to be a family member of such a person (spouse or person considered to be equivalent to the spouse, parent, child, spouse of the child, or person considered to be equivalent to the spouse). A close associate of a politically exposed person is a natural person who:
• is the beneficial owner of a legal person or trust with a politically exposed person;
• has a close business relationship with a politically exposed person;
• is the beneficial owner of a legal person or trust established for the benefit of a politically exposed person.
Giving permission to submit an inquiry to the Pension Centre and the Tax and Customs Board and for these authorities to provide us with information about you will speed up the analysis of your application and the making of a credit decision. We use the data received from the Pension Centre to calculate your gross salary. The Tax and Customs Board provides Holm Bank with the following information: declared income (excluding income from the transfer of property); wages and other payments by employers (based on TSD); incapacity for work, unemployment insurance, and redundancy benefits, pensions, contributions to the third pension pillar, funded pension payments (based on TSD); entries made in the employment register (information on the employer and employment relationship); dividends and distributions from equity capital; tax debt from 100 euros. The corresponding data are for up to 12 months prior to the inquiry. We use the obtained data to assess creditworthiness.
The annual percentage rate of charge shows the percentage of the actual cost of the loan to the borrower per year, taking into account all known costs that the customer has to pay.
You can see your contracts from our self-service. Enter self-service here.
Additional information
The financial services provider is Holm Bank AS. Review the terms and conditions of the contract and consult an expert. The annual percentage rate of charge is 33.74% on the following sample conditions – cost of goods/loan amount: €500; contractual fee: €15.00; repayment period: 36 months; fixed interest rate: 15.9% of loan amount per annum; total amount payable: €750.19; net repayments: €750.19; number of repayments: 36.