A Holm mortgage loan is a loan with flexible terms secured by real estate. We accept agricultural land, incl. arable land, in addition to residential property. A mortgage loan is suitable for major investments. It is a long-term loan, repayable over a period of up to 30 years. You can apply for the loan on our self-service site. One of our specialists will personally review your application and get in touch with you.
Think carefully about your financing needs, because every loan is a commitment that must be honoured. Make sure the loan will not leave you in a difficult financial position.
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.
The financial services provider is Holm Bank AS. Review the terms and conditions of the contract and consult an expert. The annual percentage rate is 10.91% on the following model terms and conditions: the loan amount to be used in full after entry into the contract is €80 000, repayments are made as monthly annuity payments, the contract fee is €800, the contract term is 25 years and the variable interest rate is 6-month EURIBOR + 6% per year (as of 03.10.2023, 6 months’ EURIBOR is 4.128%). As a result, the total amount of payments is €222 629.70 and the amount of repayments €221 829.70. The number of repayments is 300. For collateral, a mortgage is set on a property and we require ensurable property to have a valid insurance agreement in place. The example does not take into account the costs of valuation of the property used as collateral, the notary fees related to the provision of collateral and state fees and the cost of insuring the collateral.
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