Home consumer loan
You can use a home consumer loan to refresh and furnish your home, but also for things like smaller building projects.
Loan amount
Interest rate
Contract fee
Contract length
Optional
Administration fee
A home consumer loan is a loan that requires no collateral which you can use to buy new appliances for your kitchen, furnish your home from top to bottom, build a bike shed or sauna for your garden and much more. No mortgage is established on the property, which means no need to get a notary or the Land Register involved. There’s no downpayment or monthly administration fees either. The interest rate on home consumer loans isn’t linked to Euribor, and you can choose a repayment amount at the outset that will then remain the same until the loan is paid off.
We make you a personal offer that depends on the amount you’re looking to borrow, the length of your contract and your creditworthiness. You can lodge your application on our self-service site, where it’s also easy to keep an eye on your contracts. Weigh everything up and review the terms and conditions of the contract before making your decision. If you have any questions or need advice, get in touch with us.
Loan payment protection insurance
Loan payment protection insurance provides financial security in unexpected situations that may affect your ability to make loan payments. If you face challenging circumstances, such as incapacity for work or job-loss, the insurance can help cover your loan payments.
The insurance can be conveniently added through our self-service platform before signing the loan agreement. For more detailed information about loan payment protection insurance, please refer to our loan payment protection insurance page or click the loan insurance information tooltip in self-service before signing the loan agreement.
The provider of loan payment protection insurance is If P&C Insurance AS. Please familiarize yourself with the terms and conditions In the event of a claim, please call +372 777 1211 or submit your claim at if.ee.
Insure your home against the unexpected
Your home is the safest place. To keep your peace of mind even in the event of the unexpected, we recommend considering insuring your home. In partnership with If Kindlustus we offer home insurance to protect your house, apartment, summer home and other property.
Home insurance can cover both your home and its contents. Compare the different insurance packages along with their terms and conditions, and find the one that is right for you.
To fulfil the due diligence obligations placed on us as a bank, we may ask you to verify your identity via video in Veriff’s environment. To verify your identity, you will need a device with an internet connection and a working camera. Please have your identity document ready and follow the step-by-step instructions shown on the screen. We will send you a personal link for identity verification to your email address.
Frequently asked questions
If you need more time to think things through before you sign the contract, the offer will be pending in our self-service environment.
We follow the principles of responsible lending. Therefore, in some cases, we need your bank statement or digital identification. We will always keep you up to date with the application process.
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 19.79% on the following sample conditions – loan amount: €4,500; contract fee: €67.50; administration fee: 0.99€; repayment period: 44 months; fixed interest rate: 9.99% of loan amount per annum; total amount payable: €6,289.64; net repayments: €6,222.14 ; number of repayments: 48.