Valid from 05.04.2025
Loans for private customers
| Conclusion of a loan agreement | up to 2% of the 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 an agreement: amendment of the payment date (the initial amendment of the payment date is free of charge); amendment of the term; all amendments of the loan that are not listed in the price list as separate amendment points. | €30 |
Home and mortgage loan for private customers
| Conclusion and amendment of the loan agreement | 1% of the 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 notice, the early repayment fee does not apply; only the contractual interest for the time during which the loan amount was in use has to be paid. |
Hire purchase
| Fee for drawing up a Liisi hire purchase agreement | according to the fee fixed with the partner |
| Fee for drawing up a Liisi Pluss agreement | €9.90 |
| Drawing up a Liisi3 or Liisi6 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 term; 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
| Renewal upon expiry | free of charge |
| Closure | free of charge |
| Replacement | €10 |
| Monthly fee | free of charge |
| Submitting an unjustified demand for a 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 a transaction made in a foreign currency | 1% of the transaction amount |
| Cash withdrawals in Estonia and Europe | €2 |
| Cash withdrawals outside of Europe | €2 + 2.6% of the amount |
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 |
| Fees for payment in instalments on conclusion of a debt arrangement | The rate fixed in the agreement. Applies to payment schedules with a period longer than 6 months. |
| 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 |
| Fee for concluding a debt arrangement | up to 2% of the loan amount, at least €30 |
| Setting up a grace period | €30 |
| Management fee | The rate fixed in the agreement |
| Drawing up and issuing a certificate / confirmation letter | €10 |
Leasing for private customers
| Conclusion of an agreement | 1% of the purchase price of the property, at least €150 |
| Amendment to the terms and conditions of an agreement (including changes to the term of the agreement, additional collateral, or payment schedule, payment of an additional instalment, grace period, reinstatement of the agreement, etc.). | 1% of the amount of unpaid instalments, at least €150 |
| Premature termination of the agreement and repayment of the credit amount | Free of charge (interest for time used) |
| Purchase of the leased item by a third party | €90 (plus the fee for the premature termination of the agreement) |
| Issuing an unattested written authorisation (including in the e-service of the Transport Administration), 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 customer | €15* |
| Standard issue of a notarised authorisation | €125* |
| Confirmation of the right to sublease the leased item | €50* |
| The processing fee for a claim arising from a violation of parking conditions or other legislation (including the costs of moving the vehicle) | €50* (plus the effective charges) |
| Compensation for delays in returning the leased item on time | €50*/day |
| Processing fee for organising the transfer of possession of the leased item in case of a breach of the agreement | 1.5% of the amount of unpaid instalments, at least €450 (plus the effective charges) |
| Sending a debt notice | €5 |
| Concluding the loan agreement | 1% of the loan amount, at least €150 |
| Handling an insured event | €90 |
| The fees reflected in the price list are standard fees and may differ based on the agreement between the parties. |
Value-added tax (VAT) may be added to the fees set out in the price list in accordance with the Value-Added Tax Act.
Holm Bank AS may make changes to the price list by giving one month’s notice on the website www.holmbank.ee (no notice is required when introducing new services or reducing the price of a service).
The price list of Holm Bank AS is valid from 05.04.2025.
Holm Bank AS
Posti 30, 90504 HaapsaluReg. code 14080830VAT EE101970615
Credit institution license
Customer service
+372 675 5055[email protected]
