Rental home move-in fees financing
Loan up to €25,000
Interest from 5.99%*
Contractual fee €0
Management fee €0
Fixed monthly repayments until the loan is paid off
Contract length 6-120 months
* The interest rate depends on the loan amount and your creditworthiness.
Renting a new home is a significant step in life. However, the initial expenses associated with renting a living space can add up, especially when you need to pay both a security deposit, first month's rent, and sometimes even a broker's fee all at once. In collaboration with Kinnisvara24, Holm Bank offers a solution for financing the initial costs associated with renting a home.
With Holm home consumer loan, you can spread out rental home move-in fees, which allows you to make smaller monthly payments over a longer period, instead of a large one-time fee. If you wish to make your new rental home cozier with new furnishings or need new household items, you can also use home consumer loan to finance these expenses.
Holm home consumer loan requires no collateral and has a fixed interest rate that is not tied to Euribor. This allows you to pay a fixed monthly payment throughout the entire contract period. Holm consumer loan has no additional contract or management fees.
Consider your decision carefully and familiarize yourself with the terms of the contract. If you have any questions or need advice, please don't hesitate to 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 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.
Frequently asked questions
With home consumer loan, no additional documents are required regarding the intended use of the loan, which means that you can use the loan amount flexibly in a way that suits you.
As we follow the principles of responsible lending, we may require additional information, such as your bank statement or digital identification in some cases. If this is the case, we will contact you and provide all relevant instructions.
After receiving a positive loan decision, familiarize yourself with our loan offer, choose a suitable payment schedule, carefully read the terms and conditions and sign the loan agreement.
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.
Select “e-Signature”, as a result of which you can save the document in ASICE format to the computer with the confirmation of the bank, or send it to info@holmbank.ee 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 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 ASICE 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.
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 20,81% on the following sample conditions – loan amount: €2000; contractual fee: €0; repayment period: 36 months; fixed interest rate: 10,49% of loan amount per annum; total amount payable: €2621,35; net repayments: €2621,35; number of repayments: 36.
Holm Bank AS
Posti 30, 90504 Haapsalu
Commercial Register code
14080830
