Price List Updated: 11/06/2020
| Account management fee | - |
| Portal Operator’s service fee⁷ | 1€ |
| LHV Bank Link Service fee¹ | According to service provider pricing |
| Making an investment | - |
| Contract fee | - |
| Service fee for seller | 2% of the transaction amount |
| Buyer fee | - |
| Intermediation fee² | 2.5%-4% |
| Administration fee (annual)³ | 0-2% |
| Notary fees from establishing the mortgage⁴ | According to notary services pricelist |
| Establishing the mortgage by EstateGuru Security Agent | 250 + VAT |
| Releasing the mortgage by EstateGuru Security Agent | 100 + VAT |
| Extending loan Period up to 6 months | Up to 1% from the loan amount, min €250 |
| Formal notice fee | According to local service provider pricing |
| EstateGuru Security Realisation Fee | 5% of principal loan amount |
| Security agent fee | According to local service provider pricing |
| Bailiff fee⁵ | According to local service provider pricing |
| Overdue payment notice⁶ | 20€ (according to EC directive 2011/7/EU) |
¹ – LHV Bank Link service fee – it is a fee in the amount of up to 10 euros for administrating transactions on the platform. The precise fee amount is indicated in the deposit/withdrawal section of the platform.
² – The platform reserves the right to propose a specific fee amount considering the loan amount, loan term, repayment schedule, liquidity of the asset and borrower’s background. Fx, for a loan amount of €1 000 000 with an LTV 50%, a loan term of 12 months and monthly interest payment with the principal paid at the end and strong financial background of the borrower, the intermediation fee can be proposed 2.5% from the loan amount. For a loan amount of €50 000, LTV 69%, collateral situated in the secondary city, full bullet payment schedule, the intermediation fee could be prosed 4% of the loan amount.
³ – Fx. The platform reserves the right to propose a specific administration fee amount considering the loan amount, loan term, repayment schedule, liquidity of the asset and borrower’s background. Fx, for a loan amount of €1 000 000 with an LTV 50%, a loan term of 12 months and monthly interest payment with the principal paid at the end and strong financial background of the borrower, the administration fee can be proposed 0.5% annually, paid according to the interest payment schedule. For a loan amount of €50 000, LTV 69%, collateral situated in the secondary city, full bullet payment schedule, the annual administration fee could be prosed 0%, due to specifics of the loan repayment (full bullet) and proposed intermediation fee.
⁴ – Read more about Estonian Notary Fees Act https://www.riigiteataja.ee/akt/114032011047
⁵ – Estonia: https://www.riigiteataja.ee/en/eli/517012019001/consolide; Latvia: http://likumi.lv/doc.php?id=250209; Lithuania: https://www.antstoliurumai.lt/index.php?id=1989
⁶ – We charge up to 40€ (2*20€) reminder fees in accordance of EC directive 2011/7/EU article 6 and local legislation where the mentioned EC directive has been implemented into.
⁷ – Portal Operator’s service fee is calculated and charged every time money is withdrawn from the virtual account by the investor