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AS LHV Group
LEI kood
529900JG015JC10LED24
Emitendi suuruskategooria
Suur kontsern
Majandustegevusalad
Finants- ja kindlustustegevus
Sektor(id)
Krediidiasutus
Emitendi registreeritud asukoht
Eesti
Üldandmed
Kategooriad
Muu oluline informatsioon
Teate ID
5721
Esitamise kuupäev ja aeg
17.10.2016 08:00:00
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Pealkiri
LHV hakkab pakkuma kodulaenu
Teade
AS-i LHV Group tütarettevõte AS LHV Pank toob alates tänasest turule
erakliendile mõeldud kodulaenu.
Seni on LHV pakkunud eraisikutele küll laenu kinnisvara tagatisel, kuid nüüd
plaanib pank alustada kodulaenu laiemat pakkumist ühe põhitootena.
LHV Panga juhatuse esimehe Erki Kilu sõnul võimaldab kodulaenu lisandumine
pakkuda klientidele terviklikku pangateenust. „Kodulaen on klientide jaoks väga
oluline krediiditoode ja üks põhilisi teenuseid, mida inimesed pangalt vajavad.
Soovime seda oma klientidele pakkuda,“ ütles LHV Panga juhatuse esimees Erki
Kilu. „Meil on täna rohkem kui 80 000 eraisikust klienti ja loodame, et tänane
samm võimaldab suuremal hulgal klientidel valida LHV enda kodupangaks,“ lisas
Kilu.
„Kuna keskendume oma pangateenustega aktiivsetele ja ettevõtlikele inimestele,
siis erineb LHV kodulaen teistest turul pakutavatest paindlikkuse poolest.
Pakume oma klientidele võimalust kodulaenu tasuta ennetähtaegselt tagasi maksta
ja vajadusel võtta maksepuhkust. Hakkame laenu väljastama turutingimustel ja
teeme hea krediidivõimega klientidele hea hinnaga pakkumise,“ lisas Kilu.
Uus laenuportfell on LHV Pangal plaanis rahastada kogutud hoiuste arvelt. Pank
on ehitanud üles sisemise võimekuse seda toodet headel tingimustel pakkuda ja
seda toetab ka kogutud hoiuste hind. Panga jaoks võimaldab kvaliteetne
kodulaenu portfell teenida investorite poolt loodetud pikaajalist stabiilset
intressitulu.
Poolaasta seisuga ületasid klientide hoiused LHV Pangas laenuportfelli suurust
218 miljoni euro võrra. Klientide hoiuste kogumaht oli 683 miljonit eurot.
Laenuportfelli suurus oli aga 465 miljonit eurot, millest jaelaenude maht oli
108 miljonit eurot. Erki Kilu hinnangul on kodulaenu portfellil potentsiaali
kasvada üheks peamiseks krediidi alamportfelliks.
LHV pakub kodulaenu alates tänasest. Tingimused laenu taotlemiseks ja
täiendav info on leitav aadressil lhv.ee/kodulaen. Oma soovi saab jätta
internetis ning kodulaenu taotlemiseks ei pea olema LHV klient.
LHV Group on suurim kodumaine finantskontsern ja kapitali pakkuja Eestis. LHV
Groupi peamised tütarettevõtted on LHV Pank ja LHV Varahaldus. LHV-s töötab üle
250 inimese ja LHV pangateenuseid kasutab üle 100 000 kliendi. LHV hallatavatel
pensionifondidel on rohkem kui 170 000 klienti.
Priit Rum
LHV kommunikatsioonijuht
Telefon: 502 0786
E-post: [email protected]
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Pealkiri
LHV starts offering home loans
Teade
Today AS LHV Pank, a subsidiary of AS LHV Group, will begin offering home loans
to private clients.
Previously LHV has been offering customers loans against the collateral of real
estate but now the bank intends to offer home loan more broadly and as one of
the main loan products.
According to Erki Kilu, CEO of LHV Pank, introducing the home loan will enable
to provide clients with a comprehensive banking service. “For our clients home
loan is a very important credit product that people really need from a bank. We
are eager to make them an offer,” Kilu said. “We have more than 80,000 private
clients and we hope that this step will enable more clients to choose LHV as
their home bank,” Kilu added.
“As our banking services are focused more towards active and enterprising
people, we have made our home loan product stand out as the most flexible in
the market. We offer the opportunity to repay the loan prematurely without any
additional fees and allow best terms for a grace period. Our offer will be on
market terms and for customers with good creditworthiness we will make an offer
at a good price,” Kilu added.
LHV will finance the new loan portfolio at the expense of accumulated deposits.
The Bank has built up an internal capability to provide the product with good
conditions, and this is also favored by the cost rate of deposits. A
high-quality home loan portfolio will allow the bank to earn stable long-term
interest income.
As of end of the first half year customer deposits in LHV Bank exceeded the
loan portfolio by 218 million euros. Customer deposits totaled 683 million
euros. The loan portfolio amounted to 465 million euros, of which retail loans’
volume was 108 million euros. Erki Kilu estimated that the home loan portfolio
has the potential to grow into one of the main credit sub-portfolios.
LHV offers home loan as of today. Conditions for obtaining a loan and
additional information are available at lhv.ee/kodulaen. Applications can be
filled in on the Internet, and one does not have to be an existing client of
LHV bank to apply.
LHV Group is the largest domestic financial group and capital provider in
Estonia. LHV Group's key subsidiaries are AS LHV Pank and AS LHV Varahaldus.
LHV employs over 250 people and over 100,000 customers use LHV’s banking
services. Pension funds managed by LHV have over 170,000 customers.
Priit Rum
Communication Manager
Phone: +372 502 0786
Email: [email protected]