For Investors

Bond terms

Nominal	1000€
Interest rate	9 %
Redemption date	22.04.2022
Payment interval	quarterly
Collateral	Claims pledge, pledge over mortgages, pledge over bank account, pledge over claims acquired under factoring agreement, pledge over credit claims against subsidiaries
Volume of issue	6 000 000€

If you wish to receive more information about the bonds then contact andrus.alber@finoracapital.eu or +372658 1300

Reports

Interim report 6 months 2018 (PDF)

Interim Report 6 months 2017 (PDF)
Annual Report 2016 (PDF)
Interim Report 6 months 2016 (PDF)
Annual Report 2015 (PDF)

Contact

Finora Capital plans to issue Bonds to professional investors also in the future. In the case of investment interest or for any investor relations related questions, please contact andrus.alber@finoracapital.eu or +372 658 1300

Please look the owners introduction of Finora Capital!

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

For Investors

Bond terms

Reports

Half-year review 2019 (PDF)

Annual Report 2018

Interim report 6 months 2018 (PDF)

Annual Report 2017 (PDF)

Interim Report 6 months 2017 (PDF)
Annual Report 2016 (PDF)
Interim Report 6 months 2016 (PDF)
Annual Report 2015 (PDF)

Contact

Consumer Information

Laenu taotlemine

About us

For Investors

Consumer Information

Laenu taotlemine

About us

For Investors

For Investors

Bond terms

Reports

Interim report 6 months 2018 (PDF)

Annual Report 2017 (PDF)

Interim Report 6 months 2017 (PDF) Annual Report 2016 (PDF) Interim Report 6 months 2016 (PDF) Annual Report 2015 (PDF)

Contact

Interim Report 6 months 2017 (PDF)
Annual Report 2016 (PDF)
Interim Report 6 months 2016 (PDF)
Annual Report 2015 (PDF)