Credit line

• You can view the interest rates, commitment fee and other charges applicable to your existing credit line agreement(s) by logging into your Internet Bank under My agreements.
• Interest is charged on the amount drawn and outstanding. The unused part of the limit is subject to a lower monthly interest rate, known as the commitment fee.
• The fee for changing the terms of the agreement is EUR 30. Changes to the payment date and the acquiring account are free of charge.
• You can also repay part or all of your credit limit early and free of charge, under the terms and conditions set out in the agreement.

For agreements concluded before 10 August 2015, a renewal fee is charged for the renewal of the credit limit, provided that the credit limit is renewed according to the procedure set out in the agreement.

• Monthly instalments are automatically debited from your Swedbank account.
• You can choose and, if necessary, change the day of the month (3, 7, 12, 17, 22 or 27) on which the loan instalments, interest and commitment fee will be debited.
• At the end of the credit limit period (12 months) and if you do not renew it, you will have to repay the amount used in accordance with the terms and conditions set out in your credit line agreement. The repayment period depends on how much of the credit limit has been used at the start of the repayment. Once the full limit has been used, the repayment period is 48 months for credit line agreements concluded after 10 August 2015 and 36 months for older agreements. If you have not used the full limit, the repayment term will be proportionally shorter.
• At the time of repayment, the credit limit is reduced (by the amount of the monthly instalment) and the remaining credit limit is available until the end of the agreement.
• If you are experiencing financial difficulties at the start of repayment (e.g. your monthly payment is too high), please send us a message from your Internet Bank.

Please note that the process of deducting the instalment starts at 17:45 on the payment date specified in the agreement. We recommend that you make sure you have sufficient funds in your bank account in advance to make the payments.

1. You can view the terms and conditions of your agreement by logging in to your Internet Bank account, under My agreements.
2. If you wish to change your agreement terms, please register for an appointment at a bank branch at a time convenient to you and submit a request to change your terms. Register here.
3. To repay the credit early and close the agreement, please pay the used limit by transferring the required amount to your credit line account and send us a message from your Internet Bank on the termination of the agreement.

If you are experiencing financial difficulties when the repayment starts (e.g. your monthly payment is too high), please send us an Internet Bank message.