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You cannot change your username in the Internet Bank, you have to call our client support on 6 or send an e-mail to info lhv. For this, proceed as follows:.

Call our client support helpline on 6 or send an e-mail to info lhv. Using ID-card on Google Chrome 42 is disrupted even for users with previously successful sessions and you need to update your ID-software.

To restore the functionality, do the following:. Read more on id. Read detailed instructions on id. This error may be caused by several circumstances occurring at the same time; it is difficult to identify one specific reason.

Renewing the base software of the ID card usually helps. Read more at installer. Problems may also occur if use of the EstEID plug-in is prohibited.

To allow the plug-in, do as follows:. The fastest way to get a calculator is to stop by one of our branch offices.

If that is not convenient for you, please contact customer support. Mobiil-ID works both in Estonia and abroad. The Mobiil-ID monthly fee is approximately 1 euro.

Enter your username, which leads to the ID code and this is how people are identified. To protect your bank account against unauthorised access and misuse, your means of authentication is blocked temporarily in situations where there have been repeated unsuccessful attempts to use it.

The block is only set to a specific means of authentication, i. The block will be removed automatically after a certain period of time.

First, submit an application to conclude a hire-purchase contract. Once we have reviewed your application, we will assign you a limit up to which you can conclude one or, if you wish, also several hire-purchase contracts.

You may also have the credit transferred to your bank account in the form of a consumer loan. You can let us know about your purchase needs here.

We will get in touch with a representative of that company and, if possible, begin to do business with them, so that you can use the LHV hire-purchase option for purchases also from that merchant.

A company, too, can apply for hire-purchase. For this, an application needs to be completed and submitted along with the balance sheet and the profit report as at the end of the last month.

You only need to submit your account statement if this is requested by LHV Finance customer support. When you submit a six month account statement, you yourself choose the appropriate format:.

E-mail the statement to finance lhv. Once you have submitted an application, we will assign you a limit valid for 90 days. Up to this limit, you can conclude one or several hire-purchase contracts.

You can also use the LHV hire-purchase option to make a purchase from an online shop. In this case, the merchant will provide you with information about the contractual terms and then send you the contract to sign.

Some online shops have the LHV hire-purchase link. It works like a bank url: We will forward the information about the amount of the first instalment and its due date to you by e-mail once a contract has been concluded.

The amount of the instalment and the payment due date are also recorded in the payment schedule attached to your contract. Should you be unable to find the information you need, please call our customer support on or e-mail to finance lhv.

We will send you the invoice by e-mail or post every month, five days before the payment due date. If you have also requested an e-invoice, we will send it to the Internet bank of your choice.

Indicate the number of your hire-purchase contract as the reference number. The most convenient way to make your monthly payments is to use the automatic e-invoice standing order service.

You can conclude a standing order agreement via the Internet bank of the same bank where you would like to make your monthly payments. You do not have to wait for an invoice to arrive to pay an instalment.

If you have not received an invoice, look up the exact amount on the payment schedule of your contract. At the latest, the instalment must be received in the AS LHV Finance account on the payment due date set out in your contract.

We therefore advise you to transfer payment before 4 pm on the business day preceding the payment due date at the latest. This way, you can make sure that the payment will be received by us on time.

For your invoice to be paid automatically, conclude an e-invoice standing order agreement via the Internet bank of the bank where you would like to make your monthly payments.

Going forward, you will no longer need to worry whether your invoice has been paid on time. It is important to just make sure that on the payment due date there are sufficient funds available in your bank account for paying the instalment.

Information that may be needed for requesting an e-invoice and concluding a standing order agreement:. Your hire-purchase contract is easy to amend.

All you have to do is e-mail your request to us at finance lhv. If needed, you can apply for a grace period or change the payment due date or the amount of the monthly instalment.

It costs 10 euros to amend your contract. This amount will be added to your next invoice. If you pay the entire hire-purchase amount early, this will attract no service charge.

It is free of charge to repay the entire hire-purchase amount early. E-mail your request to us at finance lhv. Information is available from our customer support by calling or e-mailing to finance lhv.

Customer support operates from 9 am to 9 pm daily. Yes, companies are also eligible for hire-purchase. Purchases from euros will be financed. It depends on what kind of terminal you wish to have.

In that case, it should first be verified that the transactions were sent successfully. For that, please check if the daily report receipt came out of the terminal.

If not, please send the transactions by following the instructions for your terminal, and the money will arrive in your account by If that does not help either, write us at the e-mail address info lhv.

The sales receipts from payment terminals must be kept for six months from the date of the transaction. The number of points of sale of a business is not limited.

Neither is the number of terminals in one point of sale. We are offering the standard e-commerce solution available in Estonia.

Its integration is similar with that of a bank link. To reduce fraud, we are using 3D-Secure card user authentication.

Yes, we do; however, since it is a risk product, we are very careful when it comes to selecting the traders to whom we issue such terminals.

It is possible to apply for the loan when the remaining income after paying daily expenses is sufficient to cover the loan payments.

If you have taken a loan from a financial institution before, you should not have had any problems with its repayments.

The loan application is available on the website of LHV. The apartment or house you are planning to purchase can be used as collateral. Self-financing can be replaced with additional collateral, which can be another property belonging to you or another person that is in a good condition.

Real estate in good condition and in Tallinn, Tartu or the vicinity of either city is preferred. It depends on your creditworthiness as the loan applicant.

We analyse the repayments of your earlier loans and home loan collaterals and calculate a loan sum that you would be able to pay back.

You can use the following tool to calculate the biggest possible loan sum you can possibly take. You can choose between an annuity schedule and a schedule with equal payments of the loan principal.

In the case of an annuity schedule, the loan payment for each month remains fixed until the end of the loan period. At the beginning of the loan period, it is mainly comprised of the interest, but with each consecutive instalment, the share of the principal increases.

The interest is calculated on the outstanding loan balance. In case of a schedule with equal payments of the loan principal, the principal is divided into equal parts, to which the interest is added.

As the interest is calculated on the outstanding loan balance, your instalments will decrease with each subsequent month. So, in case of an annuity schedule the payments are equal throughout the whole loan period, resulting in a larger total interest sum.

With a schedule with fixed payments of the loan principal, the instalments are bigger at the beginning of the loan period, but are constantly decreasing and the total interest paid will be smaller.

The self-financing rate depends on the condition of the property to be purchased. The precise sum of the required self-financing depends on the condition and location of the collateral and your solvency.

If you want to, you can replace the self-financing with additional collateral. This can be another property belonging to you or another person that is in good condition.

In case of a construction plan, we will take into account the total cost of the project. The self-financing is always paid first, and then the building must be completed with the help of the home loan.

When you want a loan offer for the construction of a house, please send the construction plan, the construction budget and the construction permit to the address kodulaen lhv.

In addition, please include the valuation report of the house to be built, which establishes both the present as well as the potential future market value.

When planning to take a home loan, please remember that you need to pay the self-financing sum, agreement fee and the fee for the appraisal of the property.

When a collateral agreement is concluded, a notary fee and state fee also apply. These sums depend on the substance of the transaction and the amounts of the loan and mortgage.

The notary fee can be calculated with the following tool: As real estate that is collateral for a loan must be insured for the entire loan period, also take into account the insurance costs.

If you are applying for a home loan and are not yet a client of LHV, you must first conclude a client agreement at our office.

You can choose the date of the loan payments yourself when filing the loan application. On the basis of the loan application we will compile a loan schedule including all the repayment dates and sums.

It is your responsibility to make sure that you have the required sum available on your LHV Pank account on the date of each payments. It is debited from your account automatically without a separate invoice.

Yes, it is possible. If you want to return the whole loan sum or a part of it prematurely, it can be done free of charge at LHV Pank.

To do so, send an e-mail to your loan administrator. In order to end the loan agreement prematurely, you need to transfer, by the agreed date, an amount which covers the interest accumulated to date and the unpaid principal sum to the account at LHV Pank which is linked to the loan.

Just like you, it is also in the interests of us as the bank that should the collateral property be damaged, the insurance would compensate the damages.

When concluding the insurance contract, make sure that all of the most common risks are covered. Coverage of risks related to fire, water, natural disasters and acts of vandalism are required in all cases.

The collateral property must be insured for the duration of the loan period. Please state LHV Pank as the beneficiary. Preferred collateral is an apartment or private residence in Tallinn, Tartu or the vicinity of either city.

The collateral does not need to be your place of residence. The property to be purchased can also be used as the collateral.

The acceptance rate depends on the location of the collateral, the type of the collateral and its condition. For you, a mortgage means that if the loan is not repaid, the bank will be entitled to sell the apartment or house including the land owned by you.

If the borrower is not performing their obligations, the bank will contact you and provide you with an opportunity to perform the obligation.

We provide leasing for passenger cars, vans, motorcycles, boats, commercial vehicles, heavy machinery and other equipment. However, your status as a customer of LHV will make your life much simpler — our Internet bank provides information on the lease, allows you to make payments and to conclude a standing order agreement.

You should look for the most suitable sales advertisement, and request a lease offer on the basis of the advertisement.

Please keep in mind that we cannot provide the same quote for later choices — e. In such a case, you can apply for leasing together with another person, using his or her income or property to provide an additional security and qualify for the leasing together with that person.

When a surety is involved in a lease agreement, the same documents and data as those provided by the applicant must be submitted by the surety.

The verifiable regular net income must be a minimum of euros per month for the two applicants in total.

Depending on whether you wish to use the leasing option for buying out the vehicle or merely using it, you can choose between financial lease or operational lease.

A financial lease allows you to pay the full price of the vehicle together with the interest over the lease period, and to become the owner of the vehicle upon expiry of the agreement.

An operational lease should be your choice, if you wish to use the vehicle, but have yet to decide whether or not you wish to become its owner.

You will not be required to pay the full price of the vehicle in the case of an operational lease. Rather, we will agree, upon the conclusion of the lease agreement, on the residual value of the vehicle at the end of the lease period.

The residual value is thus the price of the vehicle that we do not expect you to cover with the lease payments. At the end of the lease period, you have the option of buying out the vehicle at its residual value.

Should you not choose this option, the vehicle is returned to the bank. We also provide the option of establishing a residual value for the property leased under financial lease.

In this case, however, you have to pay the residual value together with the last monthly instalment, or apply for amendment of the agreement to defer the payment over a longer period of time.

Vehicle hire-purchase is a form of financial lease used for cases where VAT is not added to the price of the vehicle — i.

Lease payments will be made on a monthly basis, on the date specified in the agreement. Ten days before the payment due date, the bank will provide you with an invoice based on which you can effect a transfer.

If you wish, you can also request your leasing invoice as an e-invoice and arrange for a standing payment order, through the internet bank of your home bank, for its automatic payment.

To persons not liable to value added tax, the bank will disburse the price of the vehicle together with VAT. As VAT is to be refunded to persons liable to value added tax, we have established the general rule of providing funding in the amount which does not include VAT.

VAT will be refunded by the state within one or two months. In the meantime, we offer the option of deferring payment of VAT for up to three months.

Should you wish to change the date of payment for some reason, the agreement will need to be amended. For this purpose, please fill out the corresponding form , sign it digitally, and send it to info lhv.

A service fee will be charged for the amendment in accordance with the price list. Should you wish to change the lease payment, the agreement will need to be amended.

The amendment requires a new credit decision. This will take days. Should you wish to shorten the lease period, the agreement will need to be amended.

Should you wish to extend the lease period, the agreement will need to be amended. To apply for a grace period, please fill out the corresponding form , sign it digitally, and send it to info lhv.

Private customers are requested to provide an account statement, business customers are asked to submit the financial statements.

The decision regarding the grace period will be made on the basis of the documents submitted. The insurer needs to be informed of all insured events.

Please bear in mind that payments must still be continued, even if the vehicle cannot be used. Where the damage is extensive enough for the vehicle to be written off, the payment obligation will expire upon transfer of the compensation by the insurer to the bank.

This will effectively terminate the lease agreement. The same in cases of theft. As a rule, the lease agreement may be prematurely terminated only when you buy out the vehicle yourself, or find another buyer for the vehicle.

The amount to be received for the vehicle must cover or exceed the contractual residual value. For premature termination of the lease agreement, please fill out the corresponding form , sign it digitally, and send it to info lhv.

The final calculations will be prepared on the basis of the application. Once the invoice has been paid, we will issue the documents on the termination of the agreement.

To all intents and purposes, such a disposal still constitutes the conclusion of a new lease agreement with a new lessee.

For this purpose, the buyer e. Where the credit decision passed on the basis of the transferee's application is positive, the transferor only needs to submit an application for termination of the lease agreement.

A change of cars requires termination of the existing agreement and conclusion of a new agreement. You thus first need to sell your existing car.

The existing car can also be purchased by the seller of the new car. You need to fill out a new lease application for the new car, and submit the accompanying documents.

You can also lease a new car by maintaining the existing lease agreement and putting the existing car up for sale. Please bear in mind that you still need to make lease payments while the car is for sale.

Should you face payment difficulties, you can apply for a grace period. You can also apply for an exemption from the motor own damage insurance payments, but only if the car is being sold by a partner of LHV with the appropriate insurance cover.

No exemption can be provided, if the car is being sold anywhere else. No exemption can be provided from motor third party liability insurance.

Users entered in the registration certificate of the vehicle do not require an authorisation document for travel within Europe.

An authorisation document in unattested written form is required where the vehicle is taken to another European country by a person who has not been and is not intended to be entered in the registration certificate.

The authorisation document will be issued, if you have no payables to the bank under the lease agreement or any other agreement and if the vehicle has valid insurance cover in the country of destination.

Please bear in mind that an authorisation document from LHV is required for any operation in the traffic register of the Estonian Road Administration change of users in the registration certificate, making copies of the registration certificate or licence plate.

You thus need to submit the corresponding application to LHV to obtain an authorisation document. The corresponding application must be submitted to LHV in order to obtain the authorisation document.

The authorisation document will, as a rule, be issued only if you have no debts to the bank under the corresponding agreement or any other agreement exceptional cases need to be coordinated with the lease manager.

With no debts and valid insurance cover, the authorisation document will be issued within 24 hours. Should you have debts or insufficient insurance cover, the issue of the authorisation document will be delayed.

A fee will be charged for the authorisation document in accordance with the price list. We are as interested as you are in ensuring compensation for any damage that may occur to the vehicle.

In addition to motor third party liability insurance, any vehicle leased must also be covered with motor own damage insurance for protection against damage not compensated through motor third party liability insurance.

For example, motor own damage insurance provides compensation for damage caused to the vehicle even if you alone are responsible for the accident.

Should you have no insurance cover, you will be asked to compensate any damage yourself. To make sure that insurance cover is uninterrupted by, for instance, forgetting to make an insurance payment , the vehicle must be insured for a period of 12 months at a time, with full payment for the entire period.

We do understand that full payment for an entire year is a major cost. We therefore offer our customers the option of insuring the leased vehicle conveniently and favourably via LHV, paying the insurance in instalments together with the lease payments.

You can pick your own insurance company — our insurance broker will provide you with an offer, comparing the prices and conditions of several insurers.

Should you wish to modify your car in any way, please contact LHV and ask for our consent. No consent is required if you wish to fix something or replace a spare part or if you wish to add an element that can be removed, without damaging the vehicle, upon expiry of the leasing agreement.

By contrast, the installation of a gas device entails the alteration of the car, which requires the approval of the bank. As the lessee, you will be responsible for the technical maintenance of the vehicle.

You will also be obliged to maintain all technical and warranty documents. In addition, you will need to ensure preservation of the warranty.

Should you have any questions, please do not hesitate to contact LHV or the car dealer. At the end of the lease period, the vehicle must be returned to LHV in the same condition it was in at the moment of delivery.

Naturally, we do take normal wear and tear into account. Nonetheless, broken parts need to be replaced prior to returning the vehicle. Under the general conditions of the lease agreement, a fee of 16 cents must be paid upon termination of the agreement for each kilometre exceeded.

First, we advise you to carefully consider your options before you make this decision. It is important to realise that although through the rental agreement you can transfer all the obligations under your leasing agreement to the person renting your car, it is you who will remain liable before LHV.

For this, you have to submit a relevant request including the name and personal identification code or registry code of the sublessee.

Furthermore, allow for the fact that, in order to provide its consent for a sublease, LHV may wish to modify the terms of your agreement, since the risk profile of the transaction will change.

We prefer this, since this way we can be certain that insurance cover will not lapse because the payment of an instalment is forgotten or not made.

A policy is also paid for in one instalment when insurance is taken out through LHV, since the bank pays the insurance company the full cost of the insurance policy when property is insured.

If you wish, however, we will provide you with financing for an insurance policy, in which case we will divide its cost into 12 portions and add these payments to your monthly invoice.

In this respect, it is important to note that, if policies are financed, the monthly insurance payments will also include interest charges.

Information about the interest rate applicable to insurance policies is available in our price list and in the insurance offer forwarded to you.

Choose a valuer suitable for you from the following selection. Indeed, we have this requirement. We would like the traffic register to verify, for its part, the due transfer of the ownership of the property, so that we may be convinced that there will be no impediments to the registration of the property.

In addition, national regulations, too, require a relevant entry to be made in the traffic register within 5 business days after a vehicle is first used in Estonia or when its ownership is transferred.

Kindly submit your micro loan application and annual report along with your balance sheet and profit and loss account, up to 6 months old, via e-mail to mikrolaen lhv.

We will e-mail you a pre-completed loan contract. The authorised representative is requested to sign the contract digitally and return it to us.

Yes, a micro loan can be repaid before its term. If you wish, you can e-mail a free-form application to mikrolaen lhv. Yes, the period of a micro loan can be extended.

EURIBOR changes every 6 months, as a result of which the interest on the micro loan and, accordingly, the loan repayment change as well.

This loan is designed for all kinds of development activities related to a company. First, a loan repayment schedule will be prepared for the company.

Monthly loan repayments have to be made by the client on the dates and in the amounts indicated on the schedule. For this, no separate invoice will be sent.

Typically, the guarantor is the owner s of the company or a member of its management board. Another company is also acceptable is a guarantor.

It is important for the guarantor to not have been in arrears in the past 2 years. A micro loan can be applied for on multiple occasions if the outstanding loan balance does not exceed EUR 25, Yes, the repayment term can be modified.

If you wish, you can e-mail a free-form application for this to mikrolaen lhv. The contract amendment fee is EUR Where a loan repayment is not made by the payment date, a reminder will be sent in the form of a letter.

Given that a fine for delay will also have to be paid in the event of delayed payment, it is advisable to notify us about any payment difficulties immediately.

Together, we will be able to identify the best solution. Information about our business client services is available on our website at lhv.

If you have any questions, do not hesitate to contact us by calling or emailing to mikrolaen lhv. Find a solution that suits you with the help of the debit card comparison table.

Find a solution that suits you with the help of the credit card comparison table. The application for a bank card can be submitted via the LHV homepage, Internet bank or in a customer office.

The additional Partner Bank Card, which is offered in cooperation with Tallinna Kaubamaja Group, can be applied for at the information desks in the Tallinn and Tartu Kaubamaja stores and Selver supermarkets.

You can pick up the card from the information desk in Tallinn or Tartu Kaubamaja stores, or from an LHV office; whichever suits you best. The card will arrive at the customer office in about five banking days.

Sending the card by post may take a little longer depending on the services of Eesti Post , but will be delivered to your home within a week.

As a private customer you can get an overview of possible expenses from the comparison table of private customer bank cards , and as a business customer you should look at the comparison table of business customer bank cards.

All LHV bank cards allow Internet payments. The security code required for Internet purchases is the 3-digit number on the back of your card next to the signature line.

You can set daily and monthly limits for transactions that you perform with your bank card i. In the interest of security, we advise you to keep the card use limits as low as possible.

Keep in mind your actual money needs. As an option, you can restrict any user rights that you do not need yourself. When you use a bank card, situations may arise where your transaction on-site or online does not produce the desired result.

Such instances, and tips on how to deal with them, are outlined below. In such instances, you are advised to always phone our customer support at 6 , so that a customer service attendant can help you to decide how to proceed.

If you notice transactions on your account statement that have not been completed by you, also ask for your card to be closed immediately. If operations with your account have been completed incorrectly, you are entitled to contest the card transaction.

You are entitled to contest a card transaction with the bank within 13 months from when the transaction is completed, if the transaction was not completed by you or a person authorised by you.

In other instances, contact the merchant or service provider directly if a problem occurs. If you are unable to solve the issue in this manner, contest the card transaction with the bank within 1 month from the date of the problematic transaction.

Our customer representative will e-mail you a form for contesting the transaction, although you can also complete one at the nearest LHV customer office.

A contactless payment is a payment made using a bank card that you only need to wave above a payment terminal, without entering the PIN code.

Contactless payments are made using contactless technology near-field communication, NFC , which has already found wide-spread use around the world.

Card terminals supporting contactless payments can be identified by the sign. To make a contactless payment, you simply need to wave the card near the terminal and the transaction has been concluded.

The payment terminal will also display instructions and information about whether the payment was successful.

Estonian banks and vendors will adopt the contactless payment option gradually: These can be identified by the sign. There is also a maximum limit set for contactless transactions in the payment terminals.

Each country where contactless payments can be used has set their own limit for transactions, which differs by country.

International contactless payment limits can be found here. In case the purchase amount exceeds the transaction limit, you must enter your PIN-code.

Depending on the payment terminal, you may also need to insert your card in the terminal. Yes, all the operations can be carried out like before.

The only difference is that the contactless payment option has been added to the card to make paying for smaller purchases faster and more convenient.

Each contactless payment transaction is protected with a unique cryptogram. This ensures that a transaction is concluded only when the vendor has initiated it and the card is in the immediate vicinity of the terminal up to 2 cm.

Contactless payment limits can be set and, if desired, disabled in the Internet or Mobile Bank. You can also disable the contactless payment capability in the Mobile and Internet Bank or set small limits for both the daily and monthly payments.

We also advise you to keep the limits as small as possible. To apply for the card, go to: How can I become a holder of an LHV bank card? For larger amounts from EUR see the pricelist.

You can apply for the credit limit in the Internet bank, by phone or in a customer office. Interest must be paid for the used credit limit in accordance with the interest rate set forth in the agreement amount of interest as a percentage per year.

Interest shall be calculated on the basis of the actual number of days in a month and a day year. Interest starts running when the interest-free period ends.

The payment date is the 10th day of each month. On that day, all the interest that has accumulated for the credit limit used until the end of the preceding month will be debited from your LHV current account.

Examples of annual percentage rate of charge for cards. The automatic repayment of the credit limit is the amount that you have chosen for the repayment of credit to the bank per month.

For an LHV bank card that has a credit limit e. In case there is not enough money for the automatic repayment on your current account on the 10th day of the month, the existing amount on the account will be deducted.

If you wish, you can transfer the missing amount to your credit account on your own. The missing part of the repayment will start to collect interest on the credit account.

The annual percentage rate of a Credit Card is The annual percentage rate of a Private Customer Card is The annual percentage rate of a Partner Credit Card is The annual percentage rate of a Partner Bank Card is The annual percentage rate of a Gold Card is Should your bank card be lost or stolen, block it immediately in the Internet Bank or Mobile Bank.

If you happen to find your card, and are convinced that no one else has had access to it in the meantime, you can reactivate the card via the Internet Bank or Mobile Bank.

If you discover transactions on your bank card statement which you have not, to your knowledge, made, immediately contact LHV Bank.

We will check the transactions and contest wrong transactions, if necessary. If your PIN has been locked, please contact our customer support at info lhv.

As of 1 January , the general basic exemption of EUR per year or EUR per month is applied to all income and consequently, the additional basic exemption on pensions and incapacity for work allowances are not calculated.

Additional information on taxation can be found on the Estonian Tax and Customs Board website. Namely, the lower tax rate is another solid reason why it pays to accumulate pension savings in the III pillar.

If the annual income falls between EUR 14 and 25 , it should be considered upon taking money out of the III pillar, whether to do it in several years or all at once.

The latter depends on whether the annual income changes with time and how. The disbursements should be distributed in a way that the basic exemption minimum rate does not decrease as a result.

The average life expectancy in Estonia is Pension age begins at 63 for men and In reality, people sometimes retire earlier; the average retirement age being Most people who retire before the official retirement age are unemployed, who then receive a proportionally smaller pension.

While people are now working because they want to, in the future it will be inevitable as the retirement age will be pushed to an even later time.

Starting in , both women and men will be able to retire at 63 and from , at According to the estimates of researchers, the retirement age should rise to 69 by , to ensure the functioning of the pension system.

Contributions to the second pension pillar are calculated on the income taxable in Estonia. It is not possible to make contributions to the second pillar at your own initiative.

Pension collection is a long process that may cover several decades, depending on the age of the individual. Contributing towards your pension is just like a marathon: With your pension, it is important to follow the long-term rate of return figures, for instance, over a period of 10 years or from the time the pension system was set up.

Brief, temporary concessions in yields do not affect the end result much. As of 1 August , pension contributions can be directed to a new pension fund on an ongoing basis and the money already accumulated can be moved from one fund to another three times each year.

When the application to transfer the accumulated funds, i. In previous years, gifts were handed out for enrolment with a pension fund; however, the law now plainly states in black and white that the choice of a pension fund may not be influenced by any benefits.

Likewise, the bank must not make loan interest dependable on the choice of the pension fund subsection 14 of the Funded Pensions Act.

If this happens, you should stand up for your rights and notify the Financial Supervision Authority about the situation.

The right to use second pillar funds arises when you reach retirement age. Pursuant to law, this money cannot be withdrawn earlier.

You can find more information on the retirement age and acquiring the right to receive disbursements from the II pillar on the Pensionikeskus website.

You can select and switch the funds similarly to the II pillar pension funds. If you do not yet have the II pillar, you need to first submit a choice application to start saving up for III pillar funds.

In this application, you specify the III pillar fund s in which you wish to start making contributions. Unlike the II pillar choice application that directs monthly contributions to just one fund , several funds can be specified in the III pillar choice application.

To make contributions to the III pillar, you can set up a standing order in the internet bank or make one-off contributions.

You can invest at any suitable moment and just the amount you want to. You can make a single payment or a standing order, which you can cancel if desired.

The state refunds the income tax on the money invested in a III pillar pension fund in March next year. To receive an income tax refund, you must mark down the III pillar investment in your income tax declaration.

Similarly to the II pillar, the use of the III pillar pension fund services are not limited to one particular bank; the service is provided by account managers who have a relevant status: If a III pillar choice application exists, the funds transfer payment order does not need to include the ISIN code of the requested pension fund.

The choice application could also include several III pillar funds. In such a case, the amount paid shall be distributed between the selected funds according to the ratios marked on the choice application.

You should make a bank transfer payment order to buy III pillar units. If you want to make regular purchases, it is reasonable to add a standing payment order in the internet bank.

You can also transfer money to several funds with one payment order if you have submitted the III pillar choice application. There are several options to execute a payment order depending on whether you want to identify yourself with your personal identification code or pension account number and whether you want to use the choice application or not.

If you are using your personal identification code to identify yourself, then leave the reference number field blank and write the following information into the explanation field: Your personal identification code.

If you use your pension account number for the identification process, then add it into the reference number field and include the following in the details: Money could be returned for several reasons.

Firstly, the amount paid into the fund was smaller than the established minimum amount, which can be found in the fund prospectus.

You should be extra careful when using a choice application when making the payment, as this distributes the transferred amount proportionally among the selected funds.

Another reason could be that you have just started collecting in the III pillar and have not yet submitted the III pillar choice application.

It is compulsory to submit a choice application when you start collecting in the III pillar. You can exchange fund units from one III pillar fund to several target funds.

If you want to exchange units between the funds of different fund management companies, you need to take into account that the management company shall be entitled to apply a unit redemption fee and issue fee in the amount established in the pension fund terms and conditions.

The fees shall not apply if you exchange from one fund of the management company to another. You can detail the sales of several different funds on one application.

If you sell units of several pension funds at once, take into account that the amount shall be transferred to you if all the sales detailed on the application have been executed and the income tax has been deducted.

Disbursements shall not be taxed, if the amount of money accumulated in the voluntary pension fund is used to conclude a lifetime regularly paid pension agreement annuity with an assurance undertaking.

Transfers of assets from insurance to fund or from fund to insurance should be started with an insurance company. Only Estonian tax residents born in and after can join the II pillar.

Non-residents and those born before cannot join the II pillar. Passively managed pension funds invest in certain index-following funds irrespective of the market situation, and there is no active management of assets in these funds.

The composition of assets in a passively managed fund is stable, meaning that such funds do not adapt to changes unlike funds that have a fund manager.

Figuratively speaking, passively managed funds always operate at full throttle. There are bound to be periods where the yield of such funds is highly negative.

When the market falls, the fund manager cannot do anything to reduce the risks. The client has a much bigger role when evaluating fund compatibility, whereby such funds are suitable for clients with previous investment experience who can assess the fund risks.

As the passive funds do not have active management, i. You can use the home furnishing loan to furnish your home or summer cottage, for instance, to buy home appliances or new furniture.

It can also be used to buy garden equipment or electronic products. A home furnishing loan is an unsecured small loan with more favourable conditions due to its intended use.

If you have applied for a home furnishing loan, you will sign a small loan contract, which has already been prepared by using the home repair loan conditions.

You can apply for a home furnishing loan, if- your monthly income is at least EUR ,- you are between 18 and 75 years old,- you are a citizen of the Republic of Estonia, a citizen of the Russian Federation or holder of a grey passport, who holds a residence permit and resides in Estonia.

You do not have to have a bank account at LHV to apply for a home furnishing loan. You only need to submit your bank statement if this is requested by LHV Finance customer support.

When submitting a six-month bank statement, choose the appropriate format: We will send you an e-mail with the limit decision.

Up to this limit, you may enter into a loan contract, which can be signed conveniently without leaving your home in our self-service environment.

If you are unable to sign a contract digitally, you may also enter into a contract at any Euronics shop. We will forward the information about the amount of the first instalment and its payment due date to you by e-mail once a contract has been concluded.

The amount of the instalment and the payment due date are also recorded on the payment schedule attached to your contract.

Should you be unable to find the information you need, please call our customer support at or send an e-mail to finance lhv. Indicate the number of your loan contract as the reference number.

We therefore advise you to transfer payment before Your home furnishing loan contract is easy to amend. It costs EUR 10 to amend your contract.

If you repay the entire loan amount early, there will be no service charge. There is no charge for repaying the entire loan amount early.

Information is available from our customer support by calling or e-mailing finance lhv. Customer support operates from You can use the health and beauty loan to pay for various medical services such as dental treatment, laser eye surgery, or aesthetic surgery.

The loan may also be used to buy health and beauty products. The health and beauty loan is an unsecured small loan with more favourable conditions due to its intended use.

If you have applied for a health and beauty loan, you will sign a small loan contract, which has already been prepared by using the health and beauty loan conditions.

When submitting a six-month bank statement, choose the appropriate format:. Your health and beauty loan contract is easy to amend.

This amount may decrease later without the need to close the account. US stock exchanges have established day trader rules for accounts where the value of suitable collateral is less than USD 25, Leverage can no longer be used if the value of the assets in the account drops below USD 2, Real-time market data can be ordered via Trader platform by right clicking at relevant ticker in the trading window and selecting Launch Market Data Subscription Manager.

There it is possible to select market and price information sets. LHV Trader market data prices are displayed at the price list page.

Please read a thorough article in Estonian about market data in Financial portal. If a client concludes 4 or more transactions within the same day purchase and sale of the same stock, option, bond or single stock future SSF within the same trading day , then they qualify as a day trader and in order to continue trading, they must have at least USD 25, worth of assets in their account, and a breach of this rule results in transactions being blocked on the account for 90 days.

Purchases and sales of the same security within the same day are the only transactions that count, as buying one security and selling another does not qualify as day trading.

This restriction does not apply to futures, but does apply to options and short selling. You have to start by checking for the simplest errors.

Check that your Internet connection is working and that you can access other pages. After that, you could reboot your computer and the modem.

The next step you could try is to log on from another computer all necessary software may not be installed when you buy a new computer.

The version of Java installed on your computer may not be compatible with the Trader software. You can enter orders for money transfer at any time, but transfers are made from 9 am to 5 pm on business days.

Check the LHV website for information about the exact times when money is transferred on public holidays when foreign markets are open.

You can restore the LHV Trader settings that have been deleted or lost for any other reason. You have to change the settings of your order to trade on the primary and secondary market.

Cancelling and amendment of orders is usually free of charge. Option and future orders are exceptions, as stock exchanges have often established charges for these.

All of the most common currencies can be converted in the LHV Trader system. The transaction is completed similarly to securities transactions.

LHV Trader allows clients to use leverage or to borrow money with equities as collateral, which can be used to buy new equities.

You can borrow another 10, euros if you have 10, euros in your account. You must keep in mind that options and equities of low liquidity are not considered as part of collateral.

You must already have collateral in your account when you trade in futures, which reduces the maximum amount you can borrow.

The scale of leverage can be viewed at the Leverage section of the account page. There are given the leverage multiplier: Short selling securities allows you to benefit from decreases in security prices.

You can short sell equities by concluding a sale transaction for selling equities you don't actually have by borrowing them from your broker.

Short selling is extremely risky, as potential losses are unlimited. Not all equities can be shorted; the best indicator is to add the shortable column in LHV Trader settings.

A Green colour indicates that an equity is shortable Dark Green indicates that the equity is shortable if a counterparty is found and Dark Red indicates that the equity is not shortable at the moment The column can be added to the trading window: The goal of the 2-factor authentication is to avoid possibility that third person may access Trader account using username and password.

By activating 2-factor authentication it is not possible to access Trader account by using simply username and password.

Instead, it is necessary to use authentication via Handy Trader phone app. The usage of the 2-factor authentication is for free.

We can answer this question best if you visit LHV Bank for a free consultation either in our Tallinn office Tartu mnt.

We will find the best way to make your money grow if we work together. We have created a database of all the shares traded by LHV.

If you cannot find the share you are looking for in the database then please contact our brokers by calling 6 or sending an e-mail to info lhv.

Search for traded shares. You can short a limited number of US stocks. The list is constantly changing and even during one day it might happen that a share found in the list cannot actually be sold short Shortable stocks search.

Pre-market trading begins with LHV 5h30m earlier than regular trading generally US pre-market starts at You can use only day limit orders on the pre-market.

Pre-market orders will be active until the end of regular trading and after that they will be cancelled. Those orders will not participate in after-market trading.

Pre-market trading involves a higher risk than regular trading. Please read about additional risks. An exchange-traded fund ETF is an investment fund traded on stock exchanges, much like stocks.

To trade it, you must go to the Securities buy-sell section. Fund Manager will calculate the price for your fund trade on the evening of your trade date therefore the exact trade price will be inserted into your Internet Bank on the next banking day.

The second way to end an option is to exercise it. Market orders are used when certainty of execution is a priority over price of execution.

This order type does not allow any control over the price received and your order will receive a price once it is executed.

The order will be executed in full and you can access it under Pending transactions. An order which is submitted less than one hour before the market close may be executed on the next trading day.

Once the order is executed, it is visible under Securities transactions. The execution of a market order differs slightly on Baltic exchanges.

The remaining part of the order will be cancelled regardless of the fact that it would have been possible to continue the execution with a less favorable price.

Stop Loss maximum loss is designed to limit an investor's loss on a security position, once the set level is reached, the security will be sold.

When the specified stop price is reached, the stop order is entered as a market order. This means the trade will be executed, but not necessarily at or near the stop price.

A stop loss order can be used when trading US shares and options. Limit orders are used when you wish to buy a security for less, or sell for more, than the market price.

The order might, however, never be fully executed, if the market price does not match the limit order price. A buy limit order can only be below the market price and a sell limit order above the market price, otherwise the orders are executed at market price.

If it has not been possible to execute the order during the set timeframe, the order will be automatically cancelled and the money will be transferred back to your account in the currency the order was supposed to be settled in.

An Baltic securities account is an account opened with the Estonian Central Securities Depository for holding Baltic securities. You can trade during regular trading hours.

If exchanges are closed your order will be processed at the beginning of the next trading session. You can check trading hours here: In the beginning of each quarter all orders which have not been filled and are older than one quarter will be cancelled.

Currency is converted automatically at the moment a limit order is entered and when it expires or is cancelled, the money is repaid in the currency in which the order was entered, as it is not automatically converted back to the initial currency.

The money settles in the account in one to six days after you have sold the securities, depending on the exact fund or the market the securities are traded on.

Detailed information can be found here. After the stated time has passed, the money can be transferred from the account. Before the settlement the money can only be used to buy new securities.

Account position and balance are different views of the account. Account position is the default view of a portfolio. You can sell the shares that are in your position, but you have to wait until the actual transaction is completed before you can transfer money from the account.

Click on account balance in the Portfolio overview and you will see all of your assets that have been settled, i.

Account balance is particularly important when you want to transfer money, as you can see when the money or securities was received in the account.

Pending orders can also be cancelled there by pressing the cancel button next to the corresponding order.

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