Price list
Loans for private clients
| Conclusion of a loan agreement | up to 2% of loan amount, at least €30 |
| Premature repayment of the loan in part or in full | 0.5% of the loan amount to be repaid or 1% of the loan amount to be repaid if the period between the day of premature repayment and the term of the agreement is longer than one year |
| Amendment of the terms and conditions of the agreement: – amendment of the payment date (the initial amendment of the payment date is free of charge); – amendment of the period; – all amendments of the loan that are not listed in the price list as separate amendment points. | €30 |
Home and mortgage loan for a private client
| Conclusion and amendment of the loan agreement | 1% of loan amount, at least €150 |
| Premature repayment of the loan in part or in full | three-month interest amount. In the case of a three-month’s notice, the early repayment fee does not apply; only the agreement interest for the time during which the loan amount was in use has to be paid. |
Hire purchase
| Fee for drawing up Liisi instalment agreement | According to the fee fixed at the instalment partner |
| Fee for drawing up Liisi Pluss instalment agreement | €9,90 |
| Drawing up Liisi3 or Liisi6 instalment agreement | Free of charge |
| Amendment of the terms and conditions of the agreement: – amendment of the payment date (the initial amendment of the payment date is free of charge); – amendment of the period; – all amendments of the loan that are not listed in the price list as separate amendment points. | €30 |
| Premature repayment of the loan in part or in full | 0.5% of the loan amount to be repaid or 1% of the loan amount to be repaid if the period between the day of premature repayment and the term of the agreement is longer than one year |
Credit card
| Renewing upon expiry | Free of charge |
| Closure | Free of charge |
| Replacement | €10 |
| Monthly fee | Free of charge |
| Submitting an unjustified demand for refund | €20 per transaction |
| Checking the account balance in all ATMs | €0.47 per operation |
| Amendment of the terms and conditions of the agreement | €30 |
| Other operations in ATMs | €0.47 per operation |
| Fee for transactions in foreign currency (from 1 May 2024) | 1% of the transaction amount |
| Cash withdrawal in Estonia and rest of Europe | €2 |
| Cash withdrawal outside of Europe | €2 + 2.6% of the amount |
Leasing for private clients
| Concluding the agreement | from 1% of the purchase price of the property, at least €150 |
| Amendment of the terms and conditions of the agreement | from 1% of the amount of unpaid instalments, at least €150 |
| Premature termination of the agreement and repayment of the credit amount | Free (interest for time used) |
| Purchase of the leased item by a third party | €90 |
| Issue of an unattested proxy, a copy of the agreement, a repeat invoice, a certificate, a balance confirmation, and another document related to the agreement, upon the request of the client | €12* |
| Issue of a paper-based invoice | €2.4* |
| A standard Issue of a notarised authorisation document | €120* |
| Drawing up a transaction in the e-service of the Transport Administration | €48* (plus the state fee) |
| Confirmation of the right to sublease the leased item | €48* |
| Notice of breach of the agreement | €6* |
| The processing fee for a claim arising from a violation of parking conditions or other legislation (including the costs of moving the vehicle) | €48* (plus the effective charges) |
| Compensation for delay in returning the leased item on time (per day) | €50/day |
| Processing fee for organising the transfer of possession of the leased item in case of breach of the agreement | 1.5% of the amount of unpaid instalments, at least €450 (plus the effective charges) |
| Concluding the loan agreement | 1% of loan amount, at least €150 |
| Handling of an insured event | €90 |
*Total with VAT.
The fees reflected in the price list are standard fees and may differ based on the agreement between the parties.
Other fees
| Late payment interest rate | The rate fixed in the agreement |
| Reminder upon delays in payment | Free of charge |
| Sending a debt notice | €5 |
| Sending a notice of cancellation of the agreement to a business client | €20 |
| Debt notices after the due date of the loan | If the claim of the bank is up to €500: – fee for the first debt notice €15 – fee for the second and third debt notice €5 If the claim of the bank is €501–€1,000: – fee for the first debt notice €20 – fee for the second and third debt notice €5 If the claim of the bank is more than €1,000: – fee for the first debt notice €25 – fee for the second and third debt notice €5 |
| Preparation and issue of a certificate / confirmation letter (from 1 January 2023) | €8 |
| Fee for concluding a debt arrangement | up to 2% of the loan amount, at least €30 |
| Drawing up a grace period | €30 |
The service charges specified in the price list may be subject to value added tax pursuant to the Value Added tax Act.
Holm Bank AS may change the price list by notifying thereof one month in advance on the website www.holmbank.ee (it is not necessary to notify of adding a new service or reducing the price of a service).
The price list of Holm Bank AS is valid as of 4 May 2023.
Holm Bank AS
Posti 30, 90504 Haapsalu
Commercial Register code
14080830
