1. Where should the immovable property, which can be used as security of mortgage loan, be located? Anywhere on the whole territory of Estonia. 2. What is the annual loan interest rate? Starting from 10% p.a. 3. Which percentage of the immovable property value may the loan amount constitute? Up to 70% of the value of the immovable property. 4. Can I sell the immovable property if the loan has not been repaid yet? Yes, you can sell the immovable property by repaying the loan balance to the lender. 5. Can I repay the loan early? Yes, you can repay your loan early by notifying the company three months in advance; in this case you will not be charged any additional loan expenses. 6. Can I refinance the existing loan? Yes, you can. All your loans can be combined into one if the mortgage value is sufficient. 7. Can I take a mortgage loan on the immovable property that has already been mortgaged? Yes, you can if the residual price of the immovable property is sufficient. 8. Is it necessary to insure the immovable property? Yes, after it has been mortgaged, it needs to be insured. 9. How fast is the loan amount disbursed? The loan amount will be disbursed within three banking days following the establishment of mortgage, payment of notary’s fees and state fee. 10. Is a valuation report necessary and where to get it? The valuation report is not always required; sometimes photos of the object are enough. If necessary, you can order a valuation report from any valuation company, e.g., 1Partner, Domus Kinnisvara, Uusmaa, Pindi Kinnisvara, Ober-Haus Kinnisvara. 11. What are loan expenses? To be issued a loan, a mortgage has to be established on your security and the notary’s fees and the state fee have to be paid. All such expenses can be paid from the loan amount. 12. How promptly will the loan application be reviewed and a decision made? You may receive a preliminary decision within 2 hours. If we need any additional information, e.g., a valuation report, the decision will be given within 2 days. 13. What should be done if there occur any problems with timely repayments of the loan? First of all, you should contact our company by phone or e-mail in order to make a joint decision on how to proceed: either to extend the loan repayment term or take a grace period. 14. If my account has been arrested or there are any outstanding debts, can I receive a loan? Yes, this will not be a problem. If necessary, the loan can be received in cash or transferred to the bank account of your friends or relatives.