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Printed by customer 2012.02.04

Mortgage Loans

All prices are in Latvian Lats (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 computerized Land book (available only if the extract is requested as condition precedent under the loan and escrow agreements) LVL 10.-
14.2 Loan arrangement fee
14.2.1 For Standard and Bronze clients 2.5% of loan amount, min. LVL 120; EUR 180
14.2.2 For Silver and Check-in clients 1.75% of loan amount, min. LVL 90; EUR 140
14.2.3 For Gold clients 1% of loan amount, min. LVL 60; EUR 90,
14.2.4 Loan arrangement fee in case of refinancing free of charge
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 4.50

14.4 Fee for amendments in loan and mortgage agreement except amendment 14.5 and 14.6

0.5%1 from outstanding loan amount min  LVL 80, EUR 120, USD 160, CHF 170
14.5 Fee for the following amendments:
14.5.1 Change of loan repayment monthly date LVL 20.-
14.5.2 Cancellation agreement LVL 60.-
14.5.3 Conversion of loan’s currency once per calendar year. Every next in accordance with 14.4 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 LVL 500.-
14.6.2 Fee for reviewing refinance agreement between other institutions (not banks) LVL 750.-
14.7 Fee for urgent loan or part of loan disbursement (Cut-off time is at 13:00 on Loan Repayment Day) 0.25 % from loan amount disbursed, min. LVL 100.-; EUR 140.-
14.8 Loan confirmation letter for mortgage clients LVL 40.-
14.9 Fee for cancellation of insurance agreement concluded in the bank LVL 40.- (incl. VAT)
14.10 Fee for issuing the Bank’s consent for operations with pledged real estate:
14.10.1 for registering of next current Nordea mortgage or of the
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 cancellation of mortage, or
alienation of real-estate property
LVL 20.-
14.10.2 Charge for issue of other consents LVL 80.-
14.11 Fee for loan disbursement for Home Flex
14.11.1 For Standard and Bronze clients 2.5% of loan amount, min. LVL 250.-
14.11.2 For Silver and Check-in clients 1.5% of loan amount, min.  LVL 175.-
14.11.3 For Gold clients 1.25% of loan amount, min. LVL 125.-
14.12. Fee for reviewing Power of Attorney 50.- (incl.VAT)

1 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 amendments 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.