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.

A surety is a security given by a guarantor. The guarantor is the person responsible for the loan taken by the borrower. If the borrower fails to repay, the guarantor is obliged to pay the debt. In the case of several guarantors, all guarantors are jointly liable. The guarantor can be a citizen of the Republic of Estonia or a person with a permanent residence permit in Estonia at least 18 years of age, who must have a secure income and must not be in arrears.

Yes. The repayment period of Liisi instalments can be 1–60 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 info@holmbank.ee.

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 info@holmbank.ee.

Swedbank

Log in to the Internet Bank from https://www.swedbank.ee/private/d2d/start
Select ‘Daily banking’ from the menu and then ‘Account statement’.
Select the period: ‘Start’ (6 months from today) and ‘End’ (today).
Select ‘Send inquiry’.
Click ‘Save’, select the BDOC file format, and save the account statement in BDOC format to your computer.
Send the saved account statement together with your personal identification code to info@holmbank.ee. 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 info@holmbank.ee. 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 BDOC format to your computer.
Send the saved account statement together with your personal identification code to info@holmbank.ee. 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 info@holmbank.ee. 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 info@holmbank.ee.
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.

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.