* The interest rate depends on the loan amount, the length of the contract, and your creditworthiness.
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. Everything – applying, amending your repayment schedule, paying off your loan early and more besides – can be done digitally.
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.
In order to fulfil the due diligence obligation set for us as a bank, we ask you to identify yourself by video in the Veriff OÜ environment if the total amount of your loans is 15,000 euros or more. If you are not a citizen of the Republic of Estonia, we might also ask you to identify yourself. A device with an Internet connection and a working camera is required for verification. Have your ID ready and follow the step-by-step instructions on screen. We will send you an email with a personal link to verify your identity.
Why choose Holm Bank?
Extensive experience thanks to 350,000 people who have trusted us
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 16.79% on the following sample conditions – loan amount: €4000; contractual fee: €0; repayment period: 45 months; fixed interest rate: 7.55% of loan amount per annum; total amount payable: €5128,57; net repayments: €5128,57 ; number of repayments: 45.