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Find the suitable loan

Choose a loan that suits you best and fulfil your plans

  • Especially favourable conditions for purchasing environmentally friendly cars, solar panels and for house energy efficient renovation.
  • Remote process.
  • Quick answer and fast money pay-out.

Please note, that by using financial services you assume financial obligations. Improper execution of financial obligations may adversely affect your credit history and raise the cost of borrowing, cause initiation of enforced recovery, and expose you to the loss of title to mortgaged real estate and leased assets. In order to receive financing, it is necessary to have (to open) an account with Swedbank, AB.

The data provided by the calculator is for information only, however it gives you a picture of what could be the size of your monthly payments for consumer credit.

Small loan

Bigger purchase

Car loan

Used car or other vehicle

Financial lease

Brand new or little-used car or other vehicle

Operating lease

introOperating

Home small loan

Property purchase or home renovation

Mortgage Loan

Real estate purchase, construction, reconstruction

Home equity loan

Remodelling, renovating or buying other properties

Solar loan

Purchase and install solar panels

HEEL

Increase energy efficiency of private house

Credit card

Extra money and purchase insurance for Your purchases

Study loan

Cover study expenses

Monthly payment 0 0 0 0 0 0 0 0 0 0 - 16 -
Term 3 years -
Down payment - - - - - - - -
Residual value - - - - - - - - - -
Collateral - - - - - Residential Real Estate Residential Real Estate - Residential Real Estate - -
Fee 0

(Agreement fee is 1,5% of the amount, min. EUR 30)

0

(Agreement fee is 1% of the loan amount, min. 50 EUR)

0

(Agreement fee is 1% of the price of the car, min. 150 EUR)

0

(Agreement fee is 1% of the price of the car, min. 150 EUR)

0

(Agreement fee is 1% of the loan amount, min. 95 EUR)

0

(Agreement fee is 0,4% of the loan amount, min. 180 EUR)

0

(Agreement fee is 0,4% of the loan amount, min. 180 EUR)

0

(Agreement fee is 1% of the loan amount, min. 95 EUR)

0

(Agreement fee is 0,4% of the loan amount, min. 180 EUR)

Issue fee is 2-5 EUR, monthly fee is 0 - 16 EUR No loan document processing fee
Interest rate From 11.9% From 7.9% From 2.29% + 6m Euribor
Environmentally friendly cars from 1,49% + 6m Euribor
From 2.29% + 6m Euribor
Environmentally friendly cars from 1,49% + 6m Euribor
From 7,9% Determined individually Determined individually 4,9% From 1.99% + 6m Euribor From 12% 2.9% + 6m Euribor

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We would like to note that before deciding to take a loan you should carefully assess your personal and (or) your family’s financial perspectives and possibilities. Insurance premium calculations are tentative and may differ from the final insurance terms and conditions offered to you. Casco Insurance, Loan Payment Protection Insurance and Home Insurance services are provided by Swedbank P&C Insurance AS Lithuanian Branch through the representative Swedbank, AB. Risk Life Insurance services are provided by Swedbank Life Insurance SE Lithuanian Branch through the representative Swedbank, AB.

Example of calculation of the annual percentage rate of charge for small loan. If you applied for a consumer loan amounting to EUR 3 000 with credit agreement duration (and loan repayment term) of 5 years with the annual flat rate of 16 % and the following applicable fees: a minimum daily services fee (EUR 0.70 per month) for natural persons‘ as established by the Bank; agreement administration fee of EUR 45; monthly payments EUR 74 using annuity method, then, the total consumer credit annual percentage rate would be 18.8 %, and the total amount paid by the Consumer Loan receiver would be EUR 4491.

Example of total credit annual percentage rate calculation for car loan. If you applied for a consumer loan amounting to EUR 5 000 with credit agreement duration (and loan repayment term) of 5 years with the annual flat rate of 11 % and the following applicable fees: monthly minimum daily services fee (0.70 EUR per month); agreement administration fee of EUR 50; monthly payments EUR 108.88 using annuity method, then, the total consumer credit annual percentage rate would be 12.58 %, and the total amount paid by the Consumer Loan receiver would be EUR 6 583.32. Calculations of the total consumer credit annual percentage rate and the total amount payable by the borrower are based on the assumptions that the Credit Agreement will be valid for the entire duration of the Agreement, the total Credit amount will be paid by the Bank to the borrowers on the day of signing the Credit Agreement, the parties to the Credit Agreement will fulfil their obligations arising from the Credit Agreement by respecting the terms and conditions set out therein, the rates and other expenses will remain the same as on the day of concluding the Credit Agreement and will continue to be applied until its expiry.

Example of total consumer credit annual percentage rate calculation for leasing (for natural persons who have acquired leased assets for personal, family or household purposes, but not for business or professional purposes): Assumptions: Price of the car selected – 20 000 EUR, contract term – 60 months, advance paid by the Client – 10 percent, financed amount – 18 000 EUR, interest rate – 6 months Euribor (at least 0%) + 2.29% (calculated annual interest rate – 2.29%) ., contract fee – 200 EUR (monthly instalment – 318.49 EUR). In order to receive consumer credit, the Client must have (open) an account with Swedbank, AB, with a set minimum daily services fee of 0.70 EUR per month. The client must also, at his/her own expense, buy insurance for the car at an insurance company acceptable by Swedbank under conditions set out in the agreement (insurance cost is not included in the total consumer credit annual percentage rate). Total consumer credit annual percentage rate is then equal to 2.86 percent, and the total Consumer Loan cost payable a receiver would amount to EUR 19 317.28. Calculations of the total consumer credit annual percentage rate and the total amount payable by the borrower are based on the assumptions that the agreement will be valid for the entire duration of the agreement, the total credit amount will be paid out on the day of signing the agreement, the parties to the agreement will fulfil their obligations arising from the agreement by respecting the terms and conditions set out therein, the annual interest rate, the amount of fees and other charges paid by the Client will remain the same as at the time of concluding the agreement and will continue to be applied until its expiry.

Example of calculation of the annual percentage rate of charge for home small loan. If you applied for a home small loan amounting to EUR 10,000 with credit agreement duration (and loan repayment term) of 10 years (the number of instalments – 119) with the fixed annual interest rate of 11 % and the following applicable fees: a minimum daily services fee (EUR 0.70 per month) for natural persons’ as established by the Bank; agreement administration fee of EUR 100; monthly payments of EUR 140 using annuity method, then, the credit annual percentage rate would be 12.2 %, and the total amount paid by the credit receiver would be EUR 16,835. Calculations of the annual percentage rate of charge and the total amount payable by the borrower are based on assumptions that the total credit amount will be disbursed by the Bank to the borrower on the day of signing the Credit agreement, the parties to the Credit agreement will fulfil their obligations arising from the Credit agreement in observance of the terms and conditions established therein, the annual interest rate, the amount of fees and other charges will be the same as at the time of concluding the Credit agreement and will apply until the expiration of Credit agreement.

Example of calculation of the annual percentage rate of charge for mortgage. If the total amount of a home loan being taken out related to real estate is EUR 67,000, when the duration of the credit agreement is 26 years with a 2.3 per cent variable annual interest rate, paying a one-off loan agreement administration fee established by the bank of 0.4 per cent of the credit amount (EUR 268), the minimum daily service fee (EUR 0.70 per month), the mortgage registration fee (EUR 31.28) and annuity mortgage payments, then the annual percentage rate of charge would be 2.4 per cent, and the total amount paid to the borrower would be EUR 89,758. The total number of loan payments would be 312, and the amount of each instalment would be EUR 286. The annual percentage rate of charge, the total amount payable by the borrower, the total number of loan payments and the amount of each instalment are calculated under the assumption that the credit agreement will be valid for a period equal to the duration of the credit agreement, that the entire loan will be paid out on the day that the agreement is signed, that the parties will fulfil all of their obligations properly, and that the variable interest rate, fees and other costs will remain the same as at the time of conclusion of the credit agreement and will continue to apply until the end of the credit agreement. A customer shall also bear the costs of property insurance and appraisal. These costs depend on the individual characteristics of collateral and, therefore, are not included in the total credit price in the example above. The loan must be secured by mortgage of real estate acceptable to the bank.

Example of calculation of the annual percentage rate of charge for mortgage. If the total amount of a home loan being taken out related to real estate is EUR 67,000, when the duration of the credit agreement is 26 years with a 2.3 per cent variable annual interest rate, paying a one-off loan agreement administration fee established by the bank of 0.4 per cent of the credit amount (EUR 268), the minimum daily service fee (EUR 0.70 per month), the mortgage registration fee (EUR 31.28) and annuity mortgage payments, then the annual percentage rate of charge would be 2.4 per cent, and the total amount paid to the borrower would be EUR 89,758. The total number of loan payments would be 312, and the amount of each instalment would be EUR 286. The annual percentage rate of charge, the total amount payable by the borrower, the total number of loan payments and the amount of each instalment are calculated under the assumption that the credit agreement will be valid for a period equal to the duration of the credit agreement, that the entire loan will be paid out on the day that the agreement is signed, that the parties will fulfil all of their obligations properly, and that the variable interest rate, fees and other costs will remain the same as at the time of conclusion of the credit agreement and will continue to apply until the end of the credit agreement. A customer shall also bear the costs of property insurance and appraisal. These costs depend on the individual characteristics of collateral and, therefore, are not included in the total credit price in the example above. The loan must be secured by mortgage of real estate acceptable to the bank.

Example of the calculation of the annual percentage rate of charge for solar loan. If you take a consumer loan in the amount of EUR 6 000, with the duration of the agreement (and the maturity) being 10 years, the annual fixed interest rate being 4.9%, paying the fixed minimum bank’s fee for everyday services (EUR 0.70/month), an agreement administration fee of EUR 95, and paying monthly payments of EUR 64 by annuity, the annual percentage rate of charge (APRC) would be 5.7%, and the total amount paid by the borrower would be EUR 7 787. The interest rate has been set with a discount that might be cancelled and the annual fixed interest rate of 15% may be set if the loan is not used according to its purpose, which may result in a bigger APRC. The annual percentage rate of charge, the total amount to be paid by the borrower and the payment amount are calculated considering that the loan agreement stays valid for the term equal to the duration of the agreement, the loan is disbursed on the agreement signature date, the parties duly fulfil all their obligations, the interest rate, the fees and other expenses remain the same as agreed when concluding the loan agreement and apply until expiry of the loan agreement.

Example of the calculation of the annual percentage rate of charge for home energy efficiency loan. If the total amount of a home loan being taken out related to real estate is EUR 67,000, when the duration of the credit agreement is 26 years with a 2.3 per cent variable annual interest rate, paying a one-off loan agreement administration fee established by the bank of 0.4 per cent of the credit amount (EUR 268), the minimum daily service fee (EUR 0.70 per month), the mortgage registration fee (EUR 31.28) and annuity mortgage payments, then the annual percentage rate of charge would be 2.4 per cent, and the total amount paid to the borrower would be EUR 89,758. The total number of loan payments would be 312, and the amount of each instalment would be EUR 286. The annual percentage rate of charge, the total amount payable by the borrower, the total number of loan payments and the amount of each instalment are calculated under the assumption that the credit agreement will be valid for a period equal to the duration of the credit agreement, that the entire loan will be paid out on the day that the agreement is signed, that the parties will fulfil all of their obligations properly, and that the variable interest rate, fees and other costs will remain the same as at the time of conclusion of the credit agreement and will continue to apply until the end of the credit agreement. A customer shall also bear the costs of property insurance and appraisal. These costs depend on the individual characteristics of collateral and, therefore, are not included in the total credit price in the example above. The loan must be secured by mortgage of real estate acceptable to the bank.

Example of a standard annual percentage rate calculation for credit cards granted credit limit – 1500 EUR, when credit agreement period is 42 months, monthly amount of the principal of 375 EUR is paid (in case of fixed payment credit card, the following is applicable: credit agreement period of 36 months, credit repayment period of 24 months, monthly amount of the principal of 75 EUR), also fixed annual credit interest rate of 19% is applied, monthly minimum daily banking fee for private persons as established by the Bank is paid, monthly bank account administration fee and one-time card issuing fee is paid, then, the total consumer credit annual percentage rate would be: Fixed payment credit card - 21.7 %, and the total amount paid by the consumer loan receiver would be EUR 1842. Standard credit card – 23 %, and the total amount paid by the consumer loan receiver would be EUR 2552. Gold credit card – 24.9%, and the total amount paid by the consumer loan receiver would be EUR 2627. If you apply for a Mastercard Platinum credit card with granted credit limit – 3000 EUR, when credit agreement period is 42 months, credit repayment period is 4 months, monthly amount of the principal of 750 EUR is paid, also fixed annual credit interest rate of 13% is applied, monthly minimum daily banking fee for private persons as established by the Bank (0,70 EUR per month) is paid, monthly credit card administration fee (16 EUR) and one-time card issuing fee (5 EUR) is paid, then, the total consumer credit annual percentage rate would be 21,14 %, and the total amount paid by the consumer loan receiver would be 4 938,38 Eur. The annual rate of the total consumer credit annual percentage rate and the total amount paid by the consumer loan receiver are calculated assuming that the bank pays the full Loan amount to the receiver on the day of signing the Credit Agreement and this amount is not repaid until the Credit Limit expires. In accordance with the terms and conditions set forth in the Credit Agreement, the credit limit funds will be used for credit card purchases (the most common way of using credit limit funds), the annual interest rate, fees and other expenses will remain the same as at the time of concluding the Credit Agreement and will continue to apply until the end of the Credit Agreement.

Example of the annual percentage rate of charge for student loan. If you were to take out a tuition fee loan of EUR 1,500 for one academic year, when the duration of the credit agreement is 20 years (of which 5 years are a grace period (the 4-year study period plus 12 months after the studies end) and 15 years are the loan repayment term), with an annual interest rate of 2.9%, paying the minimum daily service fee set by the Bank (EUR 0.70 per month), and making monthly instalments according to the linear method (first monthly instalment of EUR 12.75), the annual percentage rate of charge (APRC) would be 3.81%, and the total amount paid by the recipient would be EUR 2215.87. The annual percentage rate of charge and the total amount paid by the recipient are calculated on the assumption that the Credit Agreement will be valid for a period equal to the duration of the Credit Agreement, the Bank will pay out the entire amount of Credit to the Credit recipient on the day that the Credit Agreement is signed, the parties to the Credit Agreement will fulfil all of their obligations arising from the Credit Agreement in accordance with the terms and conditions set forth in the Credit Agreement, and the annual interest rate, fees and other expenses will remain the same as at the time of conclusion of the Credit Agreement and will continue to be applicable until the end of the Credit Agreement.

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