Home loan

The need for a EIS guarantee will become clear in the course of analysing your application, and our loans specialist will outline the options available to you. If you already know you want to reduce the amount of self-financing you have to provide, you can mark a EIS guarantee as security in addition to your property on the application form. The loans specialist will then guide you on what to do next and what paperwork to provide.

When filling in the loan application form, we recommend saying yes to receiving offers from Coop Kindlustusmaakler. If you do, then they’ll make you a variety of offers from different insurance companies straight away, i.e. in the course of your application. This will save you the time and hassle of having to ask all those insurers for offers yourself. Insurance policies tend to be entered into for a period of one year, at the end of which Coop Kindlustusmaakler then makes you another offer. If you take out a policy elsewhere, you’ll need to make sure yourself that it’s renewed and e-mailed to the bank (kindlustus@cooppank.ee).

Euribor or the Euro Interbank Offered Rate is the pan-European interbank interest rate on the euro with which the leading banks on the European interbank money market offer one another term deposits. The current Euribor rate can be found by clicking on e.g. the https://www.euribor-rates.eu/en/ link on the Eesti Pank website.

You can. Send us a message via the Internet bank or submit a digitally signed application in free form. Indicate the number of your loan contract, the borrower’s ID code and how long you need the grace period to be. Be sure to state, in detail, why you need the grace period. One of our loan specialists will analyse your application and offer you the optimal grace period option given your situation.

Yes, either in part or in full. To do so, submit a signed application or Internet bank message to this effect, indicating your contract number, the amount being repaid and the date of repayment. If there isn’t enough money in your account to cover the amount on the date in question, your application will be annulled. In accordance with the law, the bank has the right to charge a fee for the early repayment of a loan, as set out in its price list.