Consumer loan, Car loan
Agreement fee1.5% of loan amount, min 60 €
Change of loan monthly payment date or loan repayment account50 €

To sign a loan agreement you need to have a payment account in Luminor Bank AS. Information on charges and commission fees related to the opening and use of the payment account is available here.

Housing loan, Idea loan
Agreement fee1% of loan amount or additionally disbursable amount, min. 300 €
Agreement amendment fee* 200 €
Change of loan monthly repayment date or loan repayment account50 €
Bank’s consent related to the property pledged to the Bank35 €
Early repayment of the loan either in part or in full**Free of charge if notice is given 3 months in advance; in other cases interest is calculated for up to 3 months on the amount that is repaid early
Penalty for failure to submit the insurance policy of the collateral100 €

*For example, changes in payment schedule, collateral composition, loan issuance conditions, loan currency etc.
**Not applicable to loan with a fixed base rate or loan with a limit on interest rate increases.

Overdraft (new overdrafts are not issued)
Annual credit limit fee1% of the amount of the limit, min 30 €
Increasing the limit1% of the additional credit limit, min 30 €
Reducing the limitOnce a year free of charge
Changing other terms and conditions of the credit contract1% of the limit, min 30 €
Termination of contractFree
Student loan (new loans are not issued)
Agreement amendment fee5 €
Interest rate5% per year