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Renovation

Give yourself a freedom for larger and smaller purchases

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40 000 Eur

maximum amount

Starting from

7,9%

Interest rate

Up to

5 years

Term of credit

No collateral and no down payment

 

Calculate the deal

Example of calculating the annual percentage rate of charge

If you received a EUR 3,000 consumer loan in euros for 5 years, the total amount payable by the consumer would be EUR 4,093.67, monthly payment will be EUR 66.65. The amount includes the consumer loan interest paid over the loan maturity (12 per cent interest rate was applied) the administration fee EUR 50 and the account maintenance fee EUR 0.70. In this case the annual percentage rate of charge would be 14.25 per cent. The annual percentage rate of charge is provided to help you compare different offers. Annual interest from 7.9 to 15 per cent. Loan maturity from 4 to 60 months.

Which credit suits you

Select your goal and we will help you to choose the right solution

Home renovation and furnishing

 

Buying a car

 

Daily needs and larger purchases

 

Travelling

 

Home purchase or construction

 

Studying

 

More about consumer loan

Services Prices
Annual interest rate according to the individual agreement
Loan documents drafting and administration (related to issuance of a loan or amendment of terms and conditions of a loan agreement) 1,5 % of a relevant loan amount, min EUR 50
Loan prepayment fee free of charge
Basic lending conditions

Requirements for the borrower

Loans are available to adult nationals of the Republic of Lithuania and individuals with a permit of permanent residence in Lithuania who are receiving permanent income, in particular:

  • wages
  • other regular income received under author's agreements, from business activity, lease and otherwise supported by relevant documentation

Amount and maturity

The amount of the loan depends on the family's financial ability to repay the loan and may be as follows:

  • from EUR 300 to 20,000 (if one person’s income is assessed)
  • from EUR 300 to 40,000 (if the family income is assessed)

Loan maturity may range from 4 months to 5 years.
Upon taking a decision to issue a loan, we transfer money to your indicated account with SEB Bank immediately. i.e. on the contract conclusion date.

Collateral

To obtain a consumer loan, no property pledge is required.

Grace period

If you are facing an emergency, you can file us a request to postpone payment o instalments without changing the final loan maturity date. During the grace period only interest is payable.

Emergency: Grace period:
you lose job up to 3 months
your income drops up to 3 months
family loses breadwinner (spouse) up to 3 months
you become ill or have an accident which has kept you off work for more than 2 months up to 3 months
divorce up to 3 months
in case of compulsory initial military service within the entire period of compulsory military service

Example of calculating the annual percentage rate of charge

If you received a EUR 3,000  consumer loan in euros for 5 years, the total amount payable by the consumer would be EUR 4,093.67, monthly payment will be EUR 66.65.

The amount includes the consumer loan interest paid over the loan maturity (12 per cent interest rate was applied) the administration fee EUR 50 and the account maintenance fee EUR 0.70.

In this case the annual percentage rate of charge would be 14.25 per cent. The annual percentage rate of charge is provided to help you compare different offers.

For more information about a loan, lending terms and fees please contact us at  +370 5 268 2800.


The total amount of monthly instalments paid to various credit institutions should not exceed 40 per cent of your total monthly net income.

Borrowing is always associated with the risk of being unable to fulfil your assumed obligations properly and in due time, so based on our long-term lending practices, we analyse the situation of every applicant with care and responsibly assess their capacity to repay the loan.

Before you decide to apply for a loan, consider the borrowing-related risks. Use the consumer loan calculator to calculate a loan installment that you could pay the bank every month without difficulty and read the list of documentation required to obtain a loan.

The bank has the right to refuse awarding you a loan after it has analysed the available information about you.

We recommend that before you sign any financial service agreement you read the service terms carefully and consult the staff of the bank if you need to.

What SEB offers

  • No collateral required
  • Money to your account immediately
  • SEB Loan Protection keeps you safe from the unexpected
  • No fee for early repayment

Simple to apply

  • Send us the filled application
  • We will contact you with proposal or additional questions
  • After a positive decision, sign the agreement in the internet bank

Increases your sense of security when taking a loan

  • Increases your sense of security in performing your loan obligations
  • Will protect yourself in case of unexpected events