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Estonia · Bill · SE

864

The Law on Amendments to the Law on Property Law and the Law on Implementation of the Law on Property Law

i lugemine lopetatudEstonia· Riigikogu· ET

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6 April 2026

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I_LUGEMINE_LOPETATUD

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6 April 2026

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Summary

The purpose of the bill is to make housing loan refinancing easier, faster and cheaper and to increase competition on the loan market. For this purpose, the Property Law Act and its implementation law are amended so that when transferring a housing loan from one bank to another, notarization is no longer required, if the borrower and collateral remain the same and the conditions do not become more unfavorable for the client. Necessary agreements can be concluded digitally in the future. The change is related to the government's aim to reduce red tape and borrowing costs, and also stems from a coalition agreement to increase competition in the housing loan market. Easier refinancing motivates banks to offer better conditions to attract customers and gives people more opportunities to choose a cheaper loan. For borrowers, the change primarily means financial and time savings. The notary fee disappears and the need to match the schedules of different parties is reduced. At the same time, the land registry operation and the related state fee remain.

Machine translation from Estonian. The official text remains authoritative.

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12 official files

Seletuskirja lisa (kooskõlastustabel) pdf

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