refinancing loan

* The interest rate depends on the loan amount and your creditworthiness.


1+1+1=1 Indeed, mathematics can be like that too! You can combine your different loans and hire purchase into one Holm bank refinancing loan - one loan and one monthly payment. There is no more worry that you will forget the payment of some loan, because you only need to remember one payment. Holm bank's refinancing loan is not affected by the change in Euribor, the monthly payment remains the same for the entire contract period. You pay only one monthly payment instead of several different ones. This allows a better overview of your finances, which in turn reduces the risk of forgetting a payment.

Consider your decision thoroughly 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 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?

More than 25 years of experience

Extensive experience thanks to 350,000 people who have trusted us

Frequently asked questions

Planning for tomorrow


Become a customer

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 15.89% on the following sample conditions – loan amount: €3,600.00; contractual fee: €36.00; repayment period: 44 months; fixed interest rate: 7.78% of loan amount per annum; total amount payable: €4,652.73; net repayments: €4,616.73 ; number of repayments: 44.

You are on the website of the financial service provider Holm Bank AS.
© 2023. Holm Bank AS