{"id":45911,"date":"2024-02-24T19:31:44","date_gmt":"2024-02-24T17:31:44","guid":{"rendered":"https:\/\/financer.com\/ee\/?post_type=company_single&#038;p=45911"},"modified":"2024-05-05T16:24:55","modified_gmt":"2024-05-05T13:24:55","slug":"fjord-bank","status":"publish","type":"company_single","link":"https:\/\/financer.com\/ee\/ettevote\/fjord-bank\/","title":{"rendered":"Fjord Bank"},"content":{"rendered":"\n<p>Fjord Bank on Norra juurtega pank, mis on spetsialiseerunud <strong>soodsatele tagatiseta laenudele<\/strong>.<\/p>\n\n\n\n<p>Ettev\u00f5te alustas Eestis laenudega tegutsemist 2022. aastal, kuid enne seda alustati juba Leedu turul. Fjord Bank ongi registreeritud Leedus ning<strong> tegutseb Leedu Panga j\u00e4relevalve all<\/strong>.<\/p>\n\n\n\n<p>Laenupakkuja suurim eelis: <strong>Fjord Bank annab tagatiseta laenu soodsama intressiga<\/strong> kui enamus teisi laenupakkujaid.<\/p>\n\n\n\n<figure class=\"wp-block-table shortcode-no\"><table><thead><tr><th><\/th><th class=\"has-text-align-center\" data-align=\"center\">Fjord Bank laenutingimused<\/th><\/tr><\/thead><tbody><tr><td><strong>Laenuliigid<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">v\u00e4ikelaen, autolaen, remondilaen, refinantseerimislaen<\/td><\/tr><tr><td><strong>Tagatis vajalik<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><img decoding=\"async\" width=\"20\" height=\"27\" class=\"wp-image-29334\" style=\"width: 20px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/7\/2022\/09\/cons.png\" alt=\"\"><\/td><\/tr><tr><td><strong>Min. intressim\u00e4\u00e4r<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">4,5% aastas<\/td><\/tr><tr><td><strong>Laenusumma<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">600 &#8211; 20 000\u20ac<\/td><\/tr><tr><td><strong>Laenuperiood<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">12-84 kuud<\/td><\/tr><tr><td><strong>Lepingutasu<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0\u20ac<\/td><\/tr><tr><td><strong>Maksepuhkus<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><img decoding=\"async\" width=\"20\" height=\"27\" class=\"wp-image-29334\" style=\"width: 20px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/7\/2022\/09\/cons.png\" alt=\"\"><\/td><\/tr><tr><td><strong>V\u00e4ljamaksekiirus<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">1 t\u00f6\u00f6p\u00e4eva jooksul<\/td><\/tr><tr><td><strong>Min. n\u00f5utud sissetulek<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">600\u20ac\/kuus<\/td><\/tr><tr><td><strong>Min. n\u00f5utud vanus<\/strong><br><\/td><td class=\"has-text-align-center\" data-align=\"center\">21 eluaastat<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<div class=\"fn_block block_fn_button buttons is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.com\/ee\/ettevote\/fjord-bank\/redirect\/\" class=\"button is-primary is-inverted is-outlined is-medium is-arrow is-fullwidth\" target=\"_blank\" rel=\"sponsored nofollow\">Taotle Fjord Bank laenu<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Milliseid_laene_Fjord_Bank_pakub\">Milliseid laene Fjord Bank pakub?<\/h2>\n\n\n\n<p>Fjord Bank keskendub 4 tagatiseta laenule:<\/p>\n\n\n\n<ul>\n<li>v\u00e4ikelaen<\/li>\n\n\n\n<li>autolaen<\/li>\n\n\n\n<li>remondilaen<\/li>\n\n\n\n<li>refinantseerimislaen<\/li>\n<\/ul>\n\n\n\n<p>Kuigi nende <a href=\"https:\/\/financer.com\/ee\/laenud\/\" data-type=\"page\" data-id=\"44697\">laenude<\/a> olemus on erinev, siis on tegelikult tingimused alati samad.<\/p>\n\n\n\n<p>Sisult on k\u00f5ik Fjord Bank laenud tagatiseta ning<strong> <\/strong>laenu saab taotleda kiirelt otse internetist. <strong>Kui k\u00f5ik on sinu taotlusega h\u00e4sti, saad laenu k\u00e4tte samal p\u00e4eval<\/strong>.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Fjord_Bank_laenude_phitingimused\">Fjord Bank laenude p\u00f5hitingimused<\/h3><ul>\n<li>lepingutasu puudub;<\/li>\n<li>laenuintress alates 4,5% aastas;<\/li>\n<li>laenusumma kuni 20 000\u20ac, laenuperiood kuni 84 kuud;<\/li>\n<li>minimaalne n\u00f5utud sissetulek on 600\u20ac kuus;<\/li>\n<li>minimaalne vanus: 21 eluaastat;<\/li>\n<li>laenu taotlemine k\u00e4ib internetis ID-kaardi, Mobiil-ID v\u00f5i Smart-ID&#8217;ga.<\/li>\n<\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Fjord_Banki_autolaenu_tingimused\">Fjord Banki autolaenu tingimused<\/h3>\n\n\n\n<p>Kui panid t\u00e4hele, siis n\u00e4gid, et Fjord Bank annab ka <a href=\"https:\/\/financer.com\/ee\/laenud\/autolaen\/\" data-type=\"page\" data-id=\"131\">autolaenu<\/a>.<\/p>\n\n\n\n<p>K\u00fcll aga v\u00f5ib sind \u00fcllatada see, et <strong>autolaenu tingimused on t\u00e4pselt samad nagu v\u00e4ikelaenul<\/strong>.<\/p>\n\n\n\n<p>See t\u00e4hendab, et <strong>Fjord Banki autolaenul pole sissemakset, kaskokindlustuse kohustust ning auto omanikuks saad sina<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Fjord_Bank_laenude_hinnakiri\">Fjord Bank laenude hinnakiri<\/h2>\n\n\n\n<p>See, kui soodne laen olla v\u00f5ib, s\u00f5ltub mitmest faktorist. <\/p>\n\n\n\n<p>Lisaks laenupakkuja enda hinnakirjale tuleb arvestada ka seda, et sulle tehakse <strong>personaalne laenupakkumine<\/strong>, seega v\u00f5ib tegelik laenukulukus olla teistsugune isegi Fjord Banki kodulehel olevast.<\/p>\n\n\n\n<p>Toome siinkohal aga esile <strong>Fjord Bank laenude hinnakirja k\u00f5ige olulisemad punktid<\/strong>, mida v\u00f5iksid teada:<\/p>\n\n\n\n<figure class=\"wp-block-table shortcode-no\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Kirjeldus<\/th><th class=\"has-text-align-left\" data-align=\"left\">Hind\/kulukus<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Laenuintress<\/td><td class=\"has-text-align-left\" data-align=\"left\">4,5%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Krediidi kulukuse m\u00e4\u00e4r<\/td><td class=\"has-text-align-left\" data-align=\"left\">7,4% &#8211; 36,15%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Lepingu muutmise tasu<\/td><td class=\"has-text-align-left\" data-align=\"left\">3% laenuj\u00e4\u00e4gilt (min. 30\u20ac)<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Laenu ennet\u00e4htaegse tagastamise tasu<\/td><td class=\"has-text-align-left\" data-align=\"left\">kuni 1% tagastatavast summast<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Meeldetuletused<\/td><td class=\"has-text-align-left\" data-align=\"left\">5\u20ac\/tk<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Lepingutasu<\/td><td class=\"has-text-align-left\" data-align=\"left\">pole<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><p><strong>Krediidi kulukuse m\u00e4\u00e4ra n\u00e4ide:<\/strong><\/p>\n<p>N\u00e4iteks 5000\u20ac laenamisel 48 kuuks, 5% intressiga, igakuise haldustasuga 0,4% laenusummalt (min. 7\u20ac), 135,15\u20ac kuumaksega, tarbijakrediidi maksete kogusummaga 6487,03\u20ac, krediidi kulukuse m\u00e4\u00e4r 14,26%.<\/p><\/div>\n\n\n\t\t<div id=\"genericloan_0_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg1\"><h3>V\u00f5rdle 37 laenupakkuja laene<\/h3><p>Leia soodsaim laen \u00fche klikiga<\/p><div class=\"step amount\"> <div class=\"slider_cont step__value\">\n <span class=\"fl_l_m_15 amount_display\"><\/span>\n <\/div>\n <div class=\"step__slider\">\n <input type=\"range\" data-default-value=\"4000\" data-name=\"param_amount\" \/>\n <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financer.com\/ee\/tulemused?query=1&non_affiliate=true&param_amount=4000&param_period=360&\" data-slider-url=\"https:\/\/financer.com\/ee\/tulemused?query=1&non_affiliate=true&param_amount=4000&param_period=360&\" data-required=\"tulemused?query=1non_affiliate=true&param_amount=4000&param_period=360&\" class=\"get_results compare button is-primary is-medium is-rounded\">V\u00f5rdle pakkumisi<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"Fjord_Banki_plussid_ja_miinused\">Fjord Banki plussid ja miinused<\/h2>\n\n\n\n<p>Kui oled otsinud <a href=\"https:\/\/financer.com\/ee\/opetused\/kuidas-leida-soodsaim-vaikelaen\/\">soodsat v\u00e4ikelaenu<\/a> v\u00f5i lihtsalt tagatiseta laenu, v\u00f5ib Fjord Bank oma tingimuste poolest t\u00f5esti sobida h\u00e4sti &#8211; eriti v\u00f5rreldes teiste laenuandjatega.<\/p>\n\n\n\n<p>Siin on m\u00f5ned plussid ja miinused, mida v\u00f5iksid Fjord Banki puhul arvestada enne laenu taotlemist.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3>Plussid<\/h3><li><p>M\u00f5istlik intressim\u00e4\u00e4r &#8211; \u00fcks Eesti madalaim<\/p>\n<\/li><li><p>Tagatist pole vaja (isegi autolaenu jaoks)<\/p>\n<\/li><li><p>Lepingutasu pole<\/p>\n<\/li><li><p>Raha saab k\u00e4tte samal p\u00e4eval<\/p>\n<\/li><li><p>Kiire taotlemine otse internetist<\/p>\n<\/li><\/ul><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3>Miinused<\/h3><li><p>Maksepuhkust ei saa<\/p>\n<\/li><li><p>Kui tahad laenu tagastada varem ning t\u00e4htaja l\u00f5puni on \u00fcle 1 aasta, v\u00f5ib pank k\u00fcsida kuni 1% h\u00fcvitist tagastatavast summast<\/p>\n<\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Fjord_Bank_vs_teised_Eesti_laenupakkujad\">Fjord Bank vs teised Eesti laenupakkujad<\/h2>\n\n\n\n<p>Soodne laenuintress on ilmselgelt oluline: pakutava intressi poolest on Fjord Bank laenud \u00fched Eesti soodsaimad.<\/p>\n\n\n\n<p>Ehkki iga pank ja laenupakkuja teeb sulle personaalse pakkumise, on siiski Fjord Banki madalaim laenuintress soodsam isegi <a href=\"https:\/\/financer.com\/ee\/ettevote\/bigbank\/\" data-type=\"company_single\" data-id=\"171\">Bigbankist<\/a> v\u00f5i <a href=\"https:\/\/financer.com\/ee\/ettevote\/tf-bank\/\" data-type=\"company_single\" data-id=\"1113\">TF Bankist<\/a>.<\/p>\n\n\n\n<p>Ka laenusumma ja -periood on v\u00f5rdv\u00e4\u00e4rsed teistele Eesti laenuandjatele, seega suuremas plaanis pakub Fjord Bank teistele laenupakkujatele k\u00f5va konkurentsi.<\/p>\n\n\n\n<figure class=\"wp-block-table shortcode-no\"><table><thead><tr><th><\/th><th class=\"has-text-align-center\" data-align=\"center\">Fjord Bank<\/th><th class=\"has-text-align-center\" data-align=\"center\">Bigbank<\/th><th class=\"has-text-align-center\" data-align=\"center\">TF Bank<\/th><th class=\"has-text-align-center\" data-align=\"center\">Credit24<\/th><\/tr><\/thead><tbody><tr><td><strong>Laenuintress<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">4,5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">7,9%<\/td><td class=\"has-text-align-center\" data-align=\"center\">7,9%<\/td><td class=\"has-text-align-center\" data-align=\"center\">24%<\/td><\/tr><tr><td><strong>Laenusumma<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">600-20 000\u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">500-30 000\u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">1000-20 000\u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">100-5000\u20ac<\/td><\/tr><tr><td><strong>Laenuperiood<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">12-84 kuud<\/td><td class=\"has-text-align-center\" data-align=\"center\">6-120 kuud<\/td><td class=\"has-text-align-center\" data-align=\"center\">12-120 kuud<\/td><td class=\"has-text-align-center\" data-align=\"center\">kuni 60 kuud<\/td><\/tr><tr><td><strong>Lepingutasu<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0\u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">2% summast<\/td><td class=\"has-text-align-center\" data-align=\"center\">5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0\u20ac<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Kui sa pole kindel selles, kas Fjord Bank laenupakkumine sobib sulle, uuri ka teisi Eesti v\u00e4ikelaene, kl\u00f5psates allolevale nupule.<\/em><\/p>\n\n\n<div class=\"fn_block block_fn_button buttons is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.com\/ee\/laenud\/vaikelaen\/\" class=\"button is-light is-primary is-medium is-arrow is-fullwidth\" target=\"_blank\" >V\u00f5rdle v\u00e4ikelaene<\/a><\/div>\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"Fjord_Bank_laenude_korduma_kippuvad_ksimused\">Fjord Bank laenude korduma kippuvad k\u00fcsimused<\/h3><h4>Kas Fjord Bank on turvaline laenupakkuja?<\/h4><div class=\"faq_inner\"><p>Jah, Fjord Bank on esialgu Norrast p\u00e4rit ettev\u00f5te, mis alustas esmalt tegevust Leedus, kuid otsustas laieneda ka Eestisse. Eesti laenusoovijatele antaksegi laenu Leedus registreeritud firma kaudu. Fjord Bank on <a href=\"https:\/\/www.fi.ee\/et\/pangandus-ja-krediit-0\/pangandus-ja-krediit\/krediidiasutused\/ulepiirilised-pangateenuste-pakkujad\/ab-fjord-bank\">registreeritud<\/a> ka Finantsinspektsioonis \u00fclepiirilise pangateenuse pakkuja kategoorias.<\/p><\/div><h4>Kui kiiresti Fjord Bankist laenu saab?<\/h4><div class=\"faq_inner\"><p>T\u00f6\u00f6p\u00e4eva jooksul annab Fjord Bank vastuse paari tunni jooksul ning kui sinu laenutaotlusega on k\u00f5ik korras, saad t\u00f5en\u00e4oliselt laenu k\u00e4tte samal p\u00e4eval. K\u00f5ik oleneb seega sellest, kas taotled laenu t\u00f6\u00f6p\u00e4eva jooksul ning kas Fjord Bank vajab veel lisadokumente.<\/p><\/div><h4>Kes saab Fjord Bankist laenu?<\/h4><div class=\"faq_inner\"><p>Fjord Bankist saad laenu siis, kui sul on igakuine sissetulek v\u00e4hemalt 600\u20ac jagu, oled v\u00e4hemalt 21-aastane ning sa pole enam katseajal (oled t\u00f6\u00f6tanud v\u00e4hemalt 4 kuud).<\/p><\/div><h4>Kas Fjord Banki laenu jaoks on vaja tagatist?<\/h4><div class=\"faq_inner\"><p>Ei, Fjord Bank laenud on tagatiseta. Ka autolaen on tagatiseta, seega saad laenu lihtsalt oma taotluse alusel.<\/p><\/div><h4>Kuidas Fjord Bankiga kontakteeruda?<\/h4><div class=\"faq_inner\"><p>Fjord Banki klienditeenindus tegutseb igal t\u00f6\u00f6p\u00e4eval kell 9 kuni 18, kuid iseteenindust saad kasutada 24\/7.<\/p><\/div><\/div>","protected":false},"author":28,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","categories":[1],"company_type":[3],"overall_rating":"0.00000000","_links":{"self":[{"href":"https:\/\/financer.com\/ee\/wp-json\/wp\/v2\/company_single\/45911"}],"collection":[{"href":"https:\/\/financer.com\/ee\/wp-json\/wp\/v2\/company_single"}],"about":[{"href":"https:\/\/financer.com\/ee\/wp-json\/wp\/v2\/types\/company_single"}],"author":[{"embeddable":true,"href":"https:\/\/financer.com\/ee\/wp-json\/wp\/v2\/users\/28"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.com\/ee\/wp-json\/wp\/v2\/comments?post=45911"}],"version-history":[{"count":22,"href":"https:\/\/financer.com\/ee\/wp-json\/wp\/v2\/company_single\/45911\/revisions"}],"predecessor-version":[{"id":77764,"href":"https:\/\/financer.com\/ee\/wp-json\/wp\/v2\/company_single\/45911\/revisions\/77764"}],"wp:attachment":[{"href":"https:\/\/financer.com\/ee\/wp-json\/wp\/v2\/media?parent=45911"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.com\/ee\/wp-json\/wp\/v2\/categories?post=45911"},{"taxonomy":"company_type","embeddable":true,"href":"https:\/\/financer.com\/ee\/wp-json\/wp\/v2\/company_type?post=45911"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}