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

Kristel Varem

Loan manager
kristel.varem@finoracapital.eu
+372 5648 8917

Anoly Gilden

Head of Credit in Estonia
anoly.gilden@finoracapital.eu
+372 520 6820

Cäty Õunloo

Business Client relationship manager
caty.ounloo@finoracapital.eu
+372 513 3083

Ruth Pallo

Loan manager
ruth.pallo@finoracapital.eu
+372 658 1301

Triin Tšeprassov

Loan manager
triin.tseprassov@finoracapital.eu
+372 658 1300

Merle Saks

Credit Manager
merle.saks@finoracapital.eu
+372 658 1380

Kaili Penu

Bookkeeper
kaili.penu@finoracapital.eu
+372 658 1300

Kristi Hõrrak

Financial Director/CFO
kristi.horrak@finoracapital.eu
+372 658 1300

Andrus Alber

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

Alar Tõru

Leasing manager
alar.toru@finoracapital.eu
+372 658 1300

Aurelijus Šveikauskas

CEO of UAB „Finora kreditas” and country manager of Finora Capital
aurelijus.sveikauskas@finoracapital.eu
+370 686 69362

Supervisory board

Veikko Maripuu

Chairman of the Supervisory Board

Vahur Kraft

Member of the Supervisory Board

Rein Ojavere

Member of the Supervisory Board

Indrek Randveer

Member of the Supervisory Board

PRICE LIST

AS Finora Capital price list *
Valid from 01.04.2021

LOAN AGREEMENTS RELATED FEES:

Agreement fee	Mortgage loan, microloan, creative loan: starting from 1,5% of the loan amount, no less than 125€ Leasing: starting from 1,5% of the cost of the leased object no less than 150€ Personal small loan, overdraft, Hire purchase: 25 €
Amendment of the agreement	Mortgage loan, microloan, creative loan 1% of the loan amount, no less than 100€ Hire purchase and Small loan: 1% of the loan amount, no less than 25€ Leasing 1% of the residual value of the leased object at the time of amending the contract, not less than 100€
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. Leasing: 2% of early repaid credit amount if the period between the end of the credit contract and early repayment is more than 1 year and 1% of early repaid credit is respective period is less than 1 year.
Changing the payment date	First time it is free of charge

FEES RELATED TO THE BREACH OF AGREEMENT BY THE BORROWER:

Reminder e-mail (first two)

Free of charge

Fine level for delayed payment

Fixed in agreement, as a rule 2 times of the interest rate set in agreement

Debt collection costs

To a private customer:

Sending a notice of termination of the contract 5€
Sending a notice of ending the contract 5€

To a juridical person:

Sending a notice of termination of the contract 25€
Sending a notice of ending the contract 50€

CONVENIENCE SERVICES (do not valid for the leasing contracts, there will be valid only the provisions of the contract apply):

Participation in notary proceedings outside of Tallinn	It depends on how far it is from Tallinn, minimum fee is from 150€
Insurance of the collateral (insurance payment will be added to the service fee)	25€
Physical inspection of collateral (if the loan amount exceeds 100,000 €)	Minimum fee is 150€

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

AS FINORA CAPITAL

Why to choose us?

Team

Kristel Varem

Anoly Gilden

Cäty Õunloo

Ruth Pallo

Triin Tšeprassov

Merle Saks

Kaili Penu

Kristi Hõrrak

Andrus Alber

Alar Tõru

Aurelijus Šveikauskas

Supervisory board

Veikko Maripuu

Vahur Kraft

Rein Ojavere

Indrek Randveer

Consumer Information

Laenu taotlemine

About us

For Investors

Consumer Information

Laenu taotlemine

About us

For Investors