COVID-19

How to apply for a loan break?

In response to doubts over the impact of Covid-19 on the economic situation of households, we are offering the option of delaying base loan repayments.

Offer does not apply to minimum credit card payments.

Loan breaks apply for:

  • job loss (as of March 8th);
  • unpaid leave linked with temporary reduction in a business’ income (requires a statement or confirmation from employer);
  • reduced income by more than 20%.

How to receive a loan break?

  • Call 77 000 00, visit the Citadele online bank, or visit a branch. To apply for a leasing repayment break, please write to liising@citadele.ee;
  • Submit a free-form application through the online bank or at a branch describing the situation and indicating the time period (up to 3 months) for base loan repayments to be delayed.

Application for consumer and mortgage loans:

"Please delay the payment of my base repayment sum for my loan, agreement no. ________ for ___ months. By signing this application, I agree to the changes in the repayment timetable which would delay base sum repayments until a specific date. I recognise the bank’s new repayment timetable as binding and I commit to the timetable even if repayments have been delayed for a shorter period of time than stated in my application,”;

Text of leasing application:

"Please delay the payment of my base repayment sum for my leasing / rent transaction, agreement no. ............................. for .......... months. By signing this application, I agree to the changes in the repayment timetable which would delay or reduce base sum repayments until a specific date. I recognise LTD “Citadele līzings un faktorings” new repayment timetable as binding and I commit to the timetable even if repayments have been delayed or reduced for a shorter period of time than stated in my application."

  • Attach/submit a State Social Insurance Agency statement (information on social insurance payments and insurance periods) from emta.ee for at least the past 6 months and/or a notice/confirmation from your employer (if you are on unpaid leave);
  • Pärast taotluse läbivaatamist saabub internetipanka teade kinnitatud muudatuste ja muudetud maksegraafiku kohta.

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