For farmers

• Fees

  Loan (investment loan, working capital loan, overdraft (credit on bank account), credit line, guarantee limit, and other loans for corporate customers, except loans mentioned below as well as loans subject to separate fees approved).

  Service or transaction	Fee, EUR
  Fee for concluding (managing) the loan agreement	0.4–1.5 % of the amount of the loan (min EUR 120)
  Fee for increasing the amount of the loan	0.4–1.5 % of the amount of the loan to be increased (min EUR 120)
  Fee for revising interest, extending the loan, revising the schedule of repayment of the loan (not applicable to guarantee limit)	0.4–1.5 % of the amount of the loan (min EUR 120)
  Fee for revising other terms and conditions of the loan	EUR 80
  Commitment fee	0.26–4.71 % of the unused amount of the loan
  Commitment fee (applicable to uncommitted credit line and uncommitted overdraft)	0.2 %
  Issuance of permits / consents	EUR 20

• Fees

  Service or operation name	Fee
  Fee for concluding the agreement
  Fee for concluding a lease/operating lease agreement	From 1 % of the property value, minimum EUR 200 (plus VAT in the case of operating lease)
  Additional fee for concluding/changing a lease/operating lease agreement when a car appraisal report1 is not provided (in that case the property value shall be determined by the Company itself; a car is delivered for examination to the place and at the time specified by the Company (if Company does not specify that car appraisal will be done without car delivery for examination))2	EUR 90 (plus VAT in the case of operating lease)
  Fee for amendment to the agreement
  Fee for amendment to the agreement	EUR 150 (plus VAT in the case of operating lease)
  Fee only for extension of the operating lease agreement for up to 2 months	EUR 75 plus VAT
  Fee for changing the date of payment	EUR 30 (plus VAT in the case of operating lease)
  Unless the agreement provides otherwise, the fee for amendment to the agreement shall not be charged in the case of the following amendments: - adjustment of the property value after import; - deferral/shortening of the term of periodic payments when the seller delays the delivery of the property/delivers the property earlier; - inclusion, change, refusal of the property insurance organisation service; - inclusion of services in the agreements of lease with services; - refusal or inclusion of the service of the organisation of compulsory insurance of civil liability of the property user; - adjustment of the property specification (without changing the price of the property).
  Fee for the authorisation for the sub-rent, sublease, loan-for-use of the property (the fee shall be charged per each agreement separately)	EUR 30 plus VAT
  Fee for the arrangement on the conditional pledge of the property or for a trilateral arrangement on the redemption of the property	EUR 100 plus VAT
  Fee for the issue of a certificate: a certificate for audit purposes and different other certificates	EUR 25 plus VAT
  Fee for the issue of a certificate granting the right to travel abroad (the fee shall not be charged when the certificate is issued to a customer (manager of the customer's company))	EUR 10 plus VAT
  Fee for the issue of documentary copies
  Agreement copy with annexes	EUR 10 plus VAT
  Copies of other documents (a fee for copies of VAT invoices shall be charged only for the invoices issued more than 2 months before)	EUR 3 plus VAT per page
  Duplicates of completion deeds shall be issued free of charge.
  Private customers submitting a written request shall have the right to receive free of charge the relevant schedule of payments. The schedule of payments shall also be posted on the internet bank of Swedbank.
  Fee for resumed validity of agreements upon cancellation of their termination
  When agreements are resumed during the same month in which they were terminated	For one agreement - from EUR 90, for each additional agreement - from EUR 30 (plus VAT in the case of operating lease, and also in the case of lease, without making changes in the schedule)
  When agreements are resumed which were terminated during the previous or earlier month	For one agreement - from EUR 90, for each additional agreement - from EUR 30 (plus VAT in the case of operating lease), also paying the amount of interest unpaid during the termination period according to all agreements being resumed (issuing one single invoice)4
  Operating lease agreement termination fee (is charged when the agreement is terminated on the customer's initiative and consent of the Company, when the property is transferred to the customer for use)5
  When, at the same time, a new lease or operating lease agreement is concluded with the Company	EUR 80 plus VAT
  In all other cases	EUR 160 plus VAT
  Property sale administration fee upon expiry or early termination of the operating lease agreement (when the Company agrees to sell the property)5:
  Property sale to the customer who has leased it	From EUR 450 plus VAT
  Property sale to a third party	From EUR 600 plus VAT
  Additional one-time services (if not included in the agreement): handing of the insured event, performance of technical maintenance and roadworthiness testing, roadside assistance for 24 hr, delivery of a replacement car to another city, car wash, etc.	EUR 40/h plus VAT
  Replacement car (if not included in the agreement)
  A replacement car service shall also cover a short-term car rent service, provided that at least one operating lease agreement or parking maintenance agreement concluded with the customer is valid.

  Price per day, EUR, plus VAT
  Number of days	Economic	Compact	Medium	Large
  1-7 days	29 EUR	35 EUR	41 EUR	53 EUR
  8-14 days	24 EUR	29 EUR	35 EUR	47 EUR
  15-21 days	21 EUR	24 EUR	29 EUR	41 EUR
  22-29 days	18 EUR	21 EUR	27 EUR	35 EUR
  Price per month, EUR, plus VAT
  1-11 months	377 EUR	435 EUR	522 EUR	638 EUR
  Price per month, EUR, plus VAT, when a replacement car is rented until delivery of the property ordered by the customer
  1-11 months	290 EUR	348 EUR	435 EUR	551 EUR

  Where monthly fees are charged, mileage shall be limited to 3 000 km/month.

  Additional fees
  Fuel supply fee	According to actual costs
  Fuel supply administration fee	EUR 15 plus VAT

  ¹ A car appraisal report issued by the appraiser acceptable to the Company shall be required when the obligations by existing contract are transferring to the new customer or car is purchased from the seller who is not included in the List of Sellers Acceptable to the Company.

  ² This option is available: (1) in the cities of Vilnius, Kaunas and Klaipėda, when the car is delivered for inspection at a place and time specified by the Company; (2) in other cases, the Company may waive the requirement to deliver the car for inspection by specifying a different valuation procedure.

  ³ A separate fee for the issuance of a certificate shall apply for each period of twelve calendar months or for each commitment date specified in the application. A fee of EUR 25 plus VAT shall be charged for a certificate not relating to a time period or commitment date.

  ⁴ Foregone interest shall be calculated by multiplying the amount of interest on the first unbilled invoice in the schedule by the number of unbilled invoices/periods (until reinstatement of the agreement).

  ⁵ This fee may be included in the sale price of the leased property or paid separately.

• Fees

  Loan (investment loan, working capital loan, overdraft (credit on bank account), credit line, guarantee limit, and other loans for corporate customers, except loans mentioned below as well as loans subject to separate fees approved).

  Service or transaction	Fee, EUR
  Fee for concluding (managing) the loan agreement	0.4–1.5 % of the amount of the loan (min EUR 120)
  Fee for increasing the amount of the loan	0.4–1.5 % of the amount of the loan to be increased (min EUR 120)
  Fee for revising interest, extending the loan, revising the schedule of repayment of the loan (not applicable to guarantee limit)	0.4–1.5 % of the amount of the loan (min EUR 120)
  Fee for revising other terms and conditions of the loan	EUR 80
  Commitment fee	0.26–4.71 % of the unused amount of the loan
  Commitment fee (applicable to uncommitted credit line and uncommitted overdraft)	0.2 %
  Issuance of permits / consents	EUR 20

Seasonal farm works – sowing, harvesting or acquisition of fertilisers, seeds and pesticides – require circulating capital to settle with suppliers. However, the seasonal nature of agricultural business gives no guarantee that you will receive income for the sold products exactly when you need it. This loan enables you to settle with your suppliers in advance.

• Fees

  Loan (investment loan, working capital loan, overdraft (credit on bank account), credit line, guarantee limit, and other loans for corporate customers, except loans mentioned below as well as loans subject to separate fees approved).

  Service or transaction	Fee, EUR
  Fee for concluding (managing) the loan agreement	0.4–1.5 % of the amount of the loan (min EUR 120)
  Fee for increasing the amount of the loan	0.4–1.5 % of the amount of the loan to be increased (min EUR 120)
  Fee for revising interest, extending the loan, revising the schedule of repayment of the loan (not applicable to guarantee limit)	0.4–1.5 % of the amount of the loan (min EUR 120)
  Fee for revising other terms and conditions of the loan	EUR 80
  Commitment fee	0.26–4.71 % of the unused amount of the loan
  Commitment fee (applicable to uncommitted credit line and uncommitted overdraft)	0.2 %
  Issuance of permits / consents	EUR 20

Contracts entered into between the European Investment Fund (EIF) and Swedbank enable us to provide loans and leasing services to micro, small and medium-sized enterprises in Estonia, Latvia, and Lithuania. The EIF aims at helping to finance and carry out investments in the European Union and ensuring greater access to capital. The guarantee programmes also help financing necessary investments if an enterprise does not have sufficient collateral.

EaSI guarantee

The objective of this program is to increase access to finance for micro-enterprises by offering additional guarantee from the EIF.

Requirements for using the EaSI guarantee:

• Fixed assets and working capital are financed.
• The maximum amount to be financed is 25 000 EUR.
• The company has up to 9 employees.
• Annual turnover is up to 2 million EUR or the balance sheet total is up to 2 million EUR
• The guarantee is free of charge.

The supported financing benefits from the support of the European Union under the Guarantee Facility established under Regulation (EU) No 1296/2013 of the European Parliament and the Council establishing a Union Programme for Employment and Social Innovation (“EASI”) and the European Fund for Strategic Investment (“EFSI”) set up under the Investment Plan for Europe. The purpose of EFSI is to help support financing and implementing productive investments in the European Union and to ensure increased access to financing. Additional information on EFSI can be found on the information page provided by the European Commission (https://ec.europa.eu/priorities/jobs-growth-and-investment/investment-plan_en) and on Twitter (#investEU).