Home loan
Home loan calculator
Setting up your own home is easy with a home loan from Coop Pank. Whether you need money to build a house, buy an apartment or renovate your existing home, you’ll get what you need from us.
We accept MES co-loans as self-financing for home loans, and we also work with EIS (former KredEx).
If you’d like to consult one of our loan administrators before you fill in your application form, sign up for a consultation and we’ll find the answers to any questions you have.
Receive your initial offer in a matter of minutes
Make use of an MES co-loan
Energy class A interest rate 1,49%
Applying for a loan
1
Fill in the loan application form. We’ll then make you an initial offer on the loan amount and interest rate in just 60 seconds!
2
Our loan administrator will go over any details with you.
3
The loan administrator will then e-mail you a binding offer.
4
Submit an expert appraisal of the property you’re setting as collateral.
5
Sign the loan agreement and take out home insurance.
For your convenience, Coop Kindlustusmaakler can make you a home insurance offer.
6
We’ll then arrange a time with you for the purchase to be notarised.
7
Finally, we’ll transfer the loan amount to your account.
1
Commission your project, seek quotes for the construction cost and draw up your calculations. Consult one of our loan administrators.
2
Submit to the loan administrator an expert appraisal of the home being constructed which reflects both its current and market value.
3
Fill in the loan application form. We’ll then make you an initial offer on the loan amount and interest rate in just 60 seconds!
4
Our loan administrator will go over any details with you and then e-mail you a binding offer.
5
Sign the agreement.
6
We’ll then arrange a time with you for the mortgage to be notarised.
7
Finally, we’ll transfer the loan amount to your account in parts. You’ll need to submit home insurance for the home being built when construction is almost complete.
1
Fill in the loan application form. We’ll then make you an initial offer on the loan amount and interest rate in just 60 seconds!
2
Our loan administrator will go over any details with you and then e-mail you a binding offer.
3
Submit an expert appraisal of the property you’re setting as collateral. Also submit an application for the repayment of the loan to your current bank.
4
Sign the loan agreement and take out home insurance. (lisatekst, väiksem badding) For your convenience, Coop Kindlustusmaakler can make you a home insurance offer.
5
We’ll arrange a time with you for the transaction to be notarised. Your current bank will then assign the mortgage to Coop Pank.
6
Finally, we’ll transfer the loan to your account and from there to the other bank.
Personalised solutions for you
Home loan – good to know
The provisional annual percentage rate on a home loan is 4,260% on the following sample terms: credit amount €100 000, repayment over 30 years in 360 monthly annuity payments, agreement fee €100,00, interest not fixed 6 months’ EURIBOR + margin 1,600% per annum (as at 1 December 2024, the 6 months’ EURIBOR is 2,5625% per annum; the negative value of EURIBOR is equated to zero when interest is calculated; EURIBOR may change every 6 months), account management fee €0, total credit amount €175 448,66 and total of repayments €175 548,66.
The rate is calculated on the assumption that the credit amount is used in full immediately and that its principal and interest will be repaid in monthly annuity payments. The rate does not include any expenses related to providing or the collateral. Before you conclude an agreement, we advise you to review the terms and conditions of the financial service and, if necessary, consult a specialist.
- Before entering into an agreement
