Riigikogu decision "Making a proposal to the Government of the Republic to develop a legal framework simplifying the refinancing of home loans"

Summary

The bill aims to propose to the government to develop legislative amendments and implementing procedures that would simplify the refinancing of home loans and make it more favorable for borrowers. The rise in interest rates in recent years has significantly increased the cost of home loans for many families. Although loan refinancing could be one solution to reduce the interest burden, its process in Estonia is currently complex, expensive and time-consuming. Borrower protection and increasing competition in the financial market would help to ensure fairer conditions and alleviate the financial difficulties of households.

Machine translation from Estonian. The official text remains authoritative.

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Documents

5 official files

• Seletuskiri

  docx · ET · 3 November 2025

  DownloadOpen at official source

• Eelnõu

  docx · ET · 3 November 2025

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• Seletuskiri pdf

  pdf · ET · 17 September 2025

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• Eelnõu pdf

  pdf · ET · 17 September 2025

  ViewDownloadOpen at official source

• Eelnõu ja seletuskiri docx

  docx · ET · 17 September 2025

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