Housing loan
Price
Contract fee1% of the loan amount, min 190 €
Increasing the loan amount2% of the additional amount, min 100 €
Changing the type of base rate or the type of loan(1)1% of the loan balance, min 100 €
Granting a grace period(2)60 €
Changing the monthly payment date(2)Once a year free of charge
Changing other terms and conditions of the loan contract (incl. changing margin) / Changing collateral1% of the loan balance, min 200 €
Early repayment of the loan either in part or in full(2)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
Changing the current account related to the loan30 €

(1) The current loan must be repaid first and after that a new loan can be granted.
(2) Not applicable to loans with a fixed base rate or loans with a limit on interest rate rises.

Idea Loan
Price
Contract fee1% of the loan amount, min 130 €
Increasing the loan amount2% of the additional amount, min 100 €
Changing the monthly payment date(2)Once a year free of charge
Changing other terms and conditions of the loan contract / Changing collateral1.5% of the loan balance, min 200 €
Early repayment of the loan either in part or in full(2)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
Changing the current account related to the loan30 €

(1) The current loan must be repaid first and after that a new loan can be granted.
(2) Not applicable to loans with a fixed base rate or loans with a limit on interest rate rises.

Consumer loan
Price
Contract fee1.5% of the loan amount, min 60 €
Increasing the loan amount1% of the additional amount, min 30 €
Changing the monthly payment dateOnce a year free of charge
Changing other terms and conditions of the loan contract1% of the loan balance, min 30 €
Early repayment of the loan either in part or in fullThe loan recipient has the right to return the loan in full or in part prematurely by informing the bank of this in writing, by e-mail or Netbank at least 5 business days in advance. In case of 5-day written prior notification, the repayment is free of charge.
Changing other terms 60 €
Changing the collateral100 €
Renovation loan
Price
Contract fee1.5% of the loan amount, min 100 €
Increasing the loan amount2% of the additional amount, min 100 €
Granting a grace period(2)60 €
Changing the monthly payment date(2)Once a year free of charge
Changing other terms and conditions of the loan contract / Changing collateral1% of the loan balance, min 200 €
Early repayment of the loan either in part or in full2Free of charge if notice is given 3 months before; in other cases interest is calculated for up to 3 months on the amount that is repaid early
Changing the current account related to the loan30 €

(2) Not applicable to loans with a fixed base rate or loans with a limit on interest rate rises.

Overdraft
Price
Contract fee20 €
Credit limit fee (yearly)1% of the amount of the limit, min 10 €
Increasing the limit1% of the additional credit limit, min 10 €
Reducing the limitOnce a year free of charge
Changing other terms and conditions of the loan contract1% of the limit, min 10 €
Termination of contractFree
Student loan
Contract feeFree
Amending a contract5 €
Interest rate5% per year
Switching a student loan from another credit institution to Luminor10 €
Other service fees
Price
Penalty for failure to submit the insurance policy of the collateral100 €