laenupakkumise
Laenupakkumine is a formal document issued by a lender to a prospective borrower, outlining the terms of a possible loan. It typically follows an application and an initial credit assessment and serves as a basis for deciding whether to proceed. The offer usually includes the requested loan amount, the interest rate or rate type (fixed or variable), the annual percentage rate including fees, the repayment schedule and term, and any fees such as origination or handling fees. It may also specify conditions for obtaining the loan, such as required documents, income verification, or collateral, as well as information on early repayment options and penalties for late payments. The offer may indicate whether the rate can change over time and the period during which the terms are valid.
The laenupakkumine is often conditional on further verification of the borrower’s financial situation and credit history.
Practically, laenupakkumine enables comparison across lenders and is a key step in the loan process. Borrowers