Home-secured loan consolidation
Use your home as collateral to combine your loans into one more affordable monthly payment
Pay less by combining your loans
181,44 €
Potential total savings
€
€
years
months
181,44 €
Potential total savings
New monthly payment
418,56 €/mēn.
Processing fee
330,00 €
Estimated interest rate
2,49 % gadā
APR (including Euribor)
4,61 %
Kalkulatora aprēķinam ir informatīva nozīme. Katra klienta situācija tiek izvērtēta individuāli un gala piedāvājuma procentu likme var mainīties.
Kalkulatora aprēķinam ir informatīva nozīme. Katra klienta situācija tiek izvērtēta individuāli un gala piedāvājuma procentu likme var mainīties.
Choose INDEXO
Lower interest rate
More affordable than a consumer loan
One payment
All your loans combined into one monthly payment
Everything in the INDEXO Bank app
From application to loan management
Which loans can you combine?
If you have several loans, you can combine them into one loan by using your home as collateral.
Consumer loans
Quick loans
Leasing
Other loans
How to consolidate your loans
Apply in the INDEXO Bank app
Download the app, register and fill in the application.
Submit your property valuation and sign the agreement
Provide the documents needed for the property valuation.
Complete the paperwork and receive your loan
Get a positive decision and wait for the money to reach your account.
Questions and answers
Does receiving a loan affect property ownership?
No, your ownership rights do not change. The loan is secured by the value of the property, but you continue to use it for your own needs.
What type of property can be used as security?
An apartment, house, or other residential real estate that is fully paid off and without an active mortgage loan.
What is home-secured loan consolidation?
Home-secured loan consolidation means combining several existing loans into one single loan secured by your home. Your property serves as security, allowing a lower interest rate compared to most consumer loans.
What is the loan application process?
The loan application process takes place in several steps:
- submitting the application;
- assessment of you and your application;
- property valuation, useful: list of valuators (LAT);
- final decision;
- signing the agreements;
- notarisation and registration in the Land Register;
- loan disbursement.
