Holm mortgage loan

Holm mortgage loan is a loan with flexible terms secured by real estate. We also accept agricultural land, incl arable land. A mortgage loan is suitable for major investments. It is a long-term loan, repayable over up to 15 years. You can apply for the loan in self-service. Our specialist will personally review your application and contact you. The application process requires the possibility to encrypt and decrypt with an ID card. Think carefully about your financing needs, because every loan is a commitment that must be honored. Make sure the loan doesn’t put you in a difficult financial position.

If you have any questions, please contact Holm's loan manager by writing to laenuhaldur@holmbank.ee or by calling +372 612 0323.

Intended purpose
for bigger investments
Loan amount
from €7,000 up to €250,000
Self-financing
not required
Length of loan contract
1 to 15 years
Payment schedule
annuity schedule and schedule with equal principal
Annual interest rate
from 3% + 6 month Euribor*
Contract fee
1% of loan sum, minimum 150€
Suitable collateral
real estate
Requirements for borrower
a citizen of the Republic of Estonia or a natural person residing in the Republic of Estonia on the basis of the right of residence and work permit, who is an adult and has the full active capacity and who would like to obtain credit secured by real estate. The person has regular income that the bank considers adequate to service the loan.
Loan exclusion
the bank does not provide mortgage loans for financing the purchase of residential property or the construction, renovation and reconstruction of residential property on the basis of a design.
* EURIBOR data are based on the EURIBOR rate published by the European Money Markets Institute (emmi-benchmarks.eu). A negative EURIBOR is set to zero.

Information before signing the contract

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.

Frequently asked questions

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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 is 5.35% on the following model terms and conditions: the loan amount to be used in full after entry into the contract is €100 000, repayments are made as monthly annuity payments, the contract fee is €1000, the contract term is 15 years and the variable interest rate is 6-month EURIBOR + 5% per year. As a result, the total amount of payments is €144 197,18 and the amount of repayments €143 197,18. The number of repayments is 180. 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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