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Private loans

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					Private loans
from January 1, 2009
for private individuals It is an opportunity for private individuals to borrow funds for various needs upon real estate collateral.
Amount of loan LVL 2 000 - LVL 150 000 Maturity for credit line - up to 2 years for loan with payment schedule to 20 years

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Services and list of conditions
Private loan to individuals Loan application consideration sercice fee Real estate collateral inspection flat private house Loan servicing and execution service fee (up-front fee) - if the loan is executed subject to payment schedule - if the loan is executed as a credit line Repeated consideration of credit file in case of other liabilities Credit line extension service fee Execution of amendments to the loan agreement - if the loan is executed as a credit line Extension of the credit line -if the loan is executed subject to payment schedule Execution of the amendments to the loan repayment schedule Execution of amendments to the loan due date Service fee for preparation of documents in case the composition of the collateral has changed (early release of the collateral) Service fee for execution of the Bank’s consent to operations with the pledged property 1 Service fee for loan currency exchange Fee for extraordinary disbursement of loan or any portion thereof on the current or subsequent business day 2 Private loan Plus service fees Loan disbursement through account crediting - from the loan account to borrower current account or escrow - other payments from the loan account or current account If the loan is disbursed in cash - if the loan is executed as a credit line - LVL - foreign currency -if the loan is executed subject to payment schedule Services - LVL - foreign currency Service fee for preparation and/or consideration of loan refunding documentation - if the liabilities are being refunded by another bank - if the liabilities are being refunded by another bank in case of sale of the property Service fee for check-up of pledge registration with the Nationwide Land Book database in case of amendments to the loan agreement.
1 2

Pursuant to the interest rates imposed by the Bank free of charge LVL 20 LVL 50 1.5% of the loan amount, min LVL 50 2% of the loan amount, min LVL 50 LVL 50 to 0.5% of the outstanding loan 1% of the loan amount, min LVL 50 LVL 60 1% of the loan amoun, min LVL 50 LVL 60 LVL 20 LVL 60 Ls 25 Outstanding loan 1 % 0.1% of the requested amount, LVL 50 As agreed min.

Free of charge Pursuant to the effective payment rates

0.1% of the disbursed amount, min LVL 1 0.5% of the disbursed amount, min USD, EUR 1,50 Rate 0.1% of the disbursed amount, min LVL 1 0.2% of the disbursed amount, min USD, EUR 1,50

1% of the outstanding loan amount, min LVL 600 100 LVL LVL 5

If the document notarization is required, the customer shall pay for the notary services separately

Extraordinary loan disbursement the Bank performs on the current and subsequent business day subject to meeting all disbursement prerequisites under the agreement and submission of documents that are acceptable by the Bank in form and fact by 1 p.m.


				
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