Lending

Effective since 01.09.2024

Credit, Credit Line, Overdraft
Service	Fee
Application Fee and Processing of a new credit, credit line, overdraft	shall be determined by mutual agreement of the parties
Processing of amendments⁵	shall be determined by mutual agreement of the parties
changes of repayment schedule with term extension and/ or interest payment conditions amendments without changing of credit maturity term (except change of payment date), change of currency set in credit, credit line or overdraft change of interest rate type, change of transaction type, int.al. transfer of credit line to credit or vice versa	shall be determined by mutual agreement of the parties
changes of loan collateral registered in public registers, int. al. change of pledgor, change of one collateral to another and others	shall be determined by mutual agreement of the parties
Full or partial premature repayment of credit/ reduction of credit line limit or overdraft limit, int .al. in instances of refinancing⁵	shall be determined by mutual agreement of the parties
Fee for credit resources reservation	shall be determined by mutual agreement of the parties
Preparation of other documents at the request of the customer	shall be determined by mutual agreement of the parties
Other commissions	shall be determined by mutual agreement of the parties
Microloan for legal entities without pledge
Fees and charges related to lending services shall be determined by mutual agreement of the parties.	Fee
New Microcredit Processing, incl. granting an additional limit and transaction term extension¹	2% of amount (maks. 150 EUR)
Full or partial premature repayment of credit/ reduction of credit line limit² and fee for credit resources reservation, int. al. undrawn limit of credit line	1% of unpaid credit amount (min. 100 EUR)

¹ Additional commission fee can be added in case of Altum Guarantee.
² Commission fee can be increased in specific or non-standard instances.
³ In cases when the application fee is charged and the key terms of the Bank's offer to the Customer differ from the key terms mentioned in the initial indicative Bank's offer (loan amount, interest rate, final repayment term, loan repayment procedure, collateral), resulting in situation that no credit or credit line agreements are concluded, the Bank will pay back Application Fee to the Customer.
⁴ If a document must be notarized, customer pays actual expenses of notary service additionally
⁵ The Bank has the right to additionally charge a commission fee for drawing up an agreement* or an escrow account agreement for an escrow account with another bank of 0.5% of the transaction amount (min. EUR 500 but not more than EUR 1,000). (* agreement is a set of documents prepared on mutual settlement procedures and registration of pledge rights in case of re-crediting of client liabilities or sale of property, including in accordance with the Cooperation Agreement Par kredītiestāžu sadarbību standarta pārkreditēšanas gadījumā or Cooperation Agreement Par kredītiestāžu sadarbību ieķīlāta īpašuma pirkuma gadījumā). or Cooperation Agreement Par kredītiestāžu sadarbību ieķīlāta īpašuma pirkuma gadījumā).