Loans starting from
€5,000
Interest rate linked to
EURIBOR
Contract fee
1% (min. €150)
Management fee
€0
Contract term
up to 30 years
A personal approach
Setting yourself up in your own home is a big step in anyone’s life. Holm’s home loan is a targeted loan aimed at private borrowers and secured with collateral. It’s designed for either buying, building, extending, reconstructing or renovating a home. The loan can cover up to 85% of the value of the property. If you have additional collateral to offer, no self-financing is needed. You can also apply for a loan with a co-applicant. In cooperation with KredEx (which is now known as the Estonian Business and Innovation Agency), we can offer you a loan to buy a home with up to 10% self-financing. For the full terms and conditions, click here.
You can apply for a home loan on Holm’s self-service site. You don’t need a valuation report when applying, but you will need to submit one before signing your contract. Once you’ve submitted your application, one of our specialists will get in touch with you.
In order to comply with the due diligence obligation assigned to us as a bank, we ask you to identify yourself by video in the Veriff OÜ environment before signing the agreement.. In order to identify yourself, you need an internet-connected device with a working camera. Have your identity document at hand and follow the step-by-step instructions on the screen. We’ll send the personal link for verification of your identity to your email address.
Why choose Holm Bank?
Extensive experience thanks to 350,000 people who have trusted us
Why choose Holm Bank?
A bank based entirely on Estonian capital
Why choose Holm Bank?
We want to support with expert advice and suitable solutions
Why choose Holm Bank?
We offer hire purchase in Estonia in both regular and online stores
Why choose Holm Bank?
The services are accessible online contactlessly, customer support can be contacted via email and telephone
Why choose Holm Bank?
We develop Holm products with people’s needs in mind
Why choose Holm Bank?
We follow the principles of responsible lending
Why choose Holm Bank?
We offer both credit products and fixed-term deposits
The financial services provider is Holm Bank AS. Before entering into a contract, review the terms and conditions and, if necessary, consult a specialist.
The annual percentage rate is 8.68% on the following sample terms and conditions: the loan amount to be used in full after entry into the contract is 100 000 euros; repayments are made as monthly annuity payments; the contract fee is 1 000 euros; the term of the contract is 30 years; and the variable interest rate is 6 months’ EURIBOR + 4% per annum (as of 03.10.2023, 6 months’ EURIBOR is 4.128%). Based on this example, the total amount to be repaid is €270 450.26, the amount of repayments is €269 450.26 and the number of repayments is 360. For collateral, a mortgage is set on a property and we require ensurable property to have a valid insurance agreement in place. This example does not take into account the costs of the valuation of the property used as collateral, the notary and state fees related to establishing the collateral or the cost of insuring the collateral.
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