AS FINORA CAPITAL

Finora Capital is an Estonian capital based company that wishes to offer to its clients flexible and favourable financing opportunities. We are not competing with retail banks and don’t want to be associated with fast credit companies.

Interaction with us is smooth and easy. Based on our combined 75 years experience in international banking, leasing and corporate finance we are able to provide trustworthy and suitable financing opportunities for private persons and companies.

Why to choose us?

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.

Team

Ksenia Korotkova

Loan manager
ksenia.korotkova@finoracapital.eu
+372 658 1301

Liina Mäsak

Client Relationship Manager
liina.masak@finoracapital.eu
+372 658 1300

Anoly Gilden

Business Client Relationship Manager
anoly.gilden@finoracapital.eu
+372 520 6820

Andrus Alber

Co-founder and CEO
andrus.alber@finoracapital.eu
+372 658 1300

Supervisory board

Veikko Maripuu

Chairman of the Supervisory Board

Gerly Lõhmus

Member of the Supervisory Board

Urmas Kaarlep

Member of the Supervisory Board

PRICE LIST

AS Finora Capital price list *
Valid from 28.06.2018

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€
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€
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