Financial Supervision Agency licenced credit provider that operates in Estonia and Lithuania

Mortgage loan
Hire purchase

Amount

Period

Monthly annuity payment	€
The gross amount of the credit	€
Cost of credit	%

Apply for a loan

Amount

Period

Monthly annuity payment	€
The gross amount of the credit	€
Cost of credit	%

Apply for a loan

Amount

Period

Monthly annuity payment	€
The gross amount of the credit	€
Cost of credit	%

Apply for a loan

The results of current calculator are approximate and illustrative. More precise information about borrowing related costs can be found here.

Mortgage loan

Real estate abroad? New car? Family business? School tuitition?

Hire purchase

Self-financing from 0%

E-shop credit

A convenient and fast way to make purchases in e-shops

Factoring

Helps enterprise to manage trade credit

News

Finora Capital is now in Lithuania!
19. August 2019
Finora has new credit facility to expand factoring business
3. April 2018
Successful refinancing of Finora bonds
19. March 2018
A new price list in Finora Capital will start to apply
16. February 2018

Read all news

Why to choose us?

We are the first credit provider in Estonia who obtained respective license from the Financial Supervision Authority.

Borrowing and putting your home as a collateral to a loan should be considerate decision. That is why we also do not promise a loan decision in 15 minutes. What we do promise is that our interest rates are never above 25% and we will find a solution that is most suitable for you. Be it for home renovation, establishment of a family business, paying for foreign college studies or something else.

Please contact us and let’s make your dreams come true. The team of Finora Capital has combined over 75 years of experience in international banking, leasing and corporate finance business.

PRICE LIST

AS Finora Capital price list *
Valid from 15.08.2019

LOAN AGREEMENTS RELATED FEES:

Agreement fee	Mortgage loan: starting from 1,5% of the loan amount, no less than 100€ Hire purchase: 25€ Small loan: digital signing 10€, signing in Finora Capital office 25€ Microloan: loan amount up to 5 000 €: 50€, loan amount from 5 000 €: 100€ Overdraft: 15€
Amendment of the agreement	Mortgage loan: 1% of the loan amount, no less than 50€ Hire purchase and Small loan: 1% of the loan amount, no less than 25€ Microloan: extending the term of a loan 50 € Overdraft: extension of loan term 5€ , increase of credit limit 15€
Early repayment fee	Mortgage loan, Hire purchase and Small loan: 1% of early repaid credit amount if the period between the end of the credit contract and early repayment is more than 1 year and 0,5% of early repaid credit is respective period is less than 1 year.

FEES RELATED TO THE BREACH OF AGREEMENT BY THE BORROWER:

Reminder e-mail (first two)	Free of charge
Third reminder (regular mail)	5€
Fine level for delayed payment	Fixed in agreement, as a rule 2 times of the interest rate set in agreement
Delayes in insuring the collateral, delayes in loan repayments or other breaches of client obligations	The interest rate will automatically go up for 3 months by 4%
Initiation of proceeding for debt recovery if more than 3 payments are overdue or overdue period is more than 2 months	30€, if the claim amount is up to 500 € 40€, if the claim amount is 500-1000 € 50€, if the claim amount is over 1000 €

CONVENIENCE SERVICES:

Participation in notary proceedings outside of Tallinn	125€
Insurance of the collateral (insurance payment will be added to the service fee)	25€

OTHER AGREEMENT RELATED COSTS:

In addition to borrowing costs also costs related to insurance and mortgage setting will occur. The size of those costs depend on fees of respective service providers and government set duties. AS Finora Capital has no influnce on the level of those costs.

* fees of services that are taxable with VAT already include VAT

LEASING AGREEMENTS RELATED FEES:

Entry into Full Service Leasing Contract	1,5% of the price of the object of lease, min 79€+ VAT
Contract amendment fee (incl. amendment of contact period, setting up of a grace period, contract reinstatement, release of additional collateral, etc.)	1% of outstanding balance, min 50€+ VAT
Entry into debt contract	1% of outstanding balance, min 50€+ VAT
Monthly contract maintenance fee (included in monthly payment)	1,50€+ VAT
Issue of invoice electronically (to internet bank)	free of charge
Issue of invoice on paper	10€+ VAT
Unattested power of attorney, incl. power of attorney for the Road Administration for amendment of register entry**	10€+ VAT
Notarised power of attorney	100€+ VAT
Reminder about delayed full service leasing payments	10€+ VAT
Fee for sending notice of cancellation by e-mail or post (in the case of debt)	25€+ VAT, plus any expenses incurred
Contractual penalty for violation of obligations set out in contract	up to 20% of the acquisition cost of the Object of Lease plus VAT
Processing a claim arising from a violation of parking rules, traffic regulations or other law	25€+ VAT, plus any expenses incurred
Consent for sublease of the property	35€+ VAT
Confirmation of balance notice submitted by a client	free of charge
Preparation of balance notice on client’s request	15€+ VAT
Issue of a certificate, consent, contract copy or duplicate invoice (older than one month) on client's request	10€+ VAT
Processing claims regarding vehicle towing costs	50€+ VAT, plus any expenses incurred
Early termination of the leasing contract	According to the general terms and conditions of the leasing contract
Default interest	0,25% a day
Contractual penalty for untimely return of Property	1% of the price of the object of lease, min 50€+ VAT for each day of delay
Cancellation/amendment of Property buy-out invoice on client's request	10€+ VAT

* *The first power of attorney upon the expiry/early termination of the leasing contract is free of charge

Financial Supervision Agency licenced credit provider that operates in Estonia and Lithuania

Mortgage loan

Hire purchase

E-shop credit

Factoring

News

Why to choose us?

Consumer Information

Laenu taotlemine

About us

For Investors

Consumer Information

Laenu taotlemine

About us

For Investors