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Printed by customer 2010.07.29

Mortgage Loans

All prices are in Lats of Latvia (LVL), if it is not specified in particular position otherwise.

14. Mortgage Loans
14.1 Registration and cancellation of collateral (courier service) min. LVL 30.-
14.1.1 Requesting of the real estate's full extract from the Land book (available only if the extract is requested as condition precedent under the loan and escrow agreements) LVL 10.-
14.2 Fee for loan disbursement
  14.2.1 For Standard and Bronze customers 2.50% of loan amount, min. LVL 120; EUR 180
  14.2.2 For Silver and Youth programme (Check-in) customers 1.75%of loan amount, min. LVL 90; EUR 140
  14.2.3 For Gold customers 1.0% of loan amount, min. LVL 60; EUR 90,
14.3 Monthly reminder letters about mortgage loan repayment and notification about change of interest rate by post/ fax LVL 2.-; EUR 3.-; USD 4.-; CHF 4.5

14.4 Fee for amendments in loan and mortgage agreement except amendment 14.5

0.5%* from outstanding loan amount min  LVL 80, EUR 120, USD 160, CHF 170.
14.5 Change of payment period in loan agreement:  
14.5.1 Change of loan repayment monthly date LVL 20.-
14.5.2 Cancellation agreement LVL 60.-
14.6 Fee for review of refinancing agreement, if client refinances commitments to other bank:  
14.6.1 Fee for reviewing standard refinancing agreement 1% from outstanding loan amount (min. LVL 500)
14.6.2 Fee for reviewing refinance agreement between other institutions (not banks) As agreed (min. LVL 750)
14.7  Fee for loan or part of loan disbursement out of turn (Cut-off time is 13:00 at Loan Repayment Day) 0.25% from loan amount disbursed, min. LVL 100.-; EUR 140.-
14.8 Loan confirmation letter for mortgage customers LVL 40.-
14.9 Fee for cancellation insurance made in Nordea office LVL 40.(incl.VAT)
14.10 Fee for issuing the Bank’s consent for operations with pledged real estate:  
 14.10.1 for registering Nordea real-estate or
building in the Land Book, or
for registering a new construction in the Land Book, or
making a detailed plan, or
construction or reconstruction plan approval, or
communications construction and registering in the Land Book, or elimination of mortage, or
allianation of real-estate property
LVL 20.-
 14.10.2 Charge for another consents approval LVL 80.-
14.11 Fee for loan disbursement for Home Flex  
14.11.1 For Standard and Bronze customers 2.5% of loan amount, min. LVL 250.-
14.11.2 For Silver and Youth programme (Check-in) customers 1,5% of loan amount, min. LVL 175.-
14.11.3 For Gold customers 1.25% of loan amount, min. LVL 125.-
14.12 Fee for reviewing warrant. 50.(incl.VAT)

*If all borrowers at least for last 3 months transfer their income of the same or larger amount than indicated when applying for loan into Nordea bank, the cost for agreement changes will be 0,2% from outstanding loan amount, min. 80 LVL, EUR 120, USD 160, CHF 170, max. LVL 250, EUR 350, USD 500, CHF 530.