Consumer loan, Car loan
Agreement fee1.5% of loan amount, min. €60
Change of loan monthly payment date or loan repayment account€20
Early loan repaymentFree
Partial loan repayment prior to agreement maturity dateFree

You need a payment account in Luminor to conclude a loan agreement. Information on charges and commission fees related to the opening and use of the payment account is available here.

More information about Consumer loan can be found here and about Car loan here.

Housing loan, Idea loan (Private loan)
Agreement fee1% of loan amount or additionally disbursable amount, min. €100
Agreement amendment fee (1)€200
Changes in credit agreement in case of restructuring€100
Change of loan monthly repayment date or change of loan repayment account or extension of loan issuance€20
Payment holidays according to credit agreement Free
Early loan repaymentFree
Partial loan repayment prior to agreement maturity date (2)Free
Loan execution by refunding obligations from another bankFree
Refinancing the loan liabilities at another creditor or in case of sale of the pledged property if the transaction is financed by other creditor€400
Other fees
Housing loan Plus services (e.g. real estate assessment)To be agreed individually
Additional services (e.g. real estate assessment)To be agreed individually
Consideration and coordination of renovation works and the construction cost estimate (the fee is payable prior to the provision of service)In the case of repairs, evaluation estimates are free of charge. In the case on construction it is subject to an individual agreement
Extramural assessment of the property pledged to the Bank - an apartment in a multi-apartment house€50
Preparation of standard documents (E.g. bank's approvals to state institutions and consents related to the property)€35

(1) For example, changes in payment schedule (excluding change of loan monthly repayment date), collateral composition, loan issuance conditions, loan currency etc.
(2) If the early repayment of the loan takes place at the same time as the reduction of the repayment term, resulting in no increase in the monthly payment, no commission fee is charged.

More information about Housing loan can be found here and about Idea loan here.

Overdraft (new overdrafts are not issued)
Annual overdraft interest rate21%
Annual limit excess interest36%
Agreement amendment fee€30
Student loan (new loans are not issued)
Loan agreement amendment fee€25
A fine for a delayed provision of a certificate from an educational institution€25
A delay fine0.1% per day