Kalēju iela 18/20 750 EUR / months

Rīga, Vecrīga / For rent apartment

ID: 69857 Edited: 20.03.2018.

For rent wide and bright 3 room apartment in Old Town. Apartment partly furnished (grey, cozy sofa , journal table , in one bedroom - double bed with night cupboards) 750EUR+ utilities, but CAN ALSO FURSNIHED FULLY than rent price will be 850EUR/per month, if rent for 1 year . If rent less than 1 year 1000eur/per month.

Additional payments: VAT (for companies only), property tax for land, utilities, security deposit equal to one month rent.

There are 2 isolated bedrooms, 2 bathrooms, spacious living room with kitchen and many exits to small french balcony(with wonderful view to Old Town roofs and both side of apartment, but in the middle of building - that's why apartment is very quiet). Kitchen equipped with all household appliances (dishwasher,oven, fridge,refrigerator, cooker hood, electric stove top,etc.). For apartment are 2 bathrooms with bath and shower, individual wardrobes in the bedrooms and 3 wardrobes near to the entrance. Wooden parquet floors.
Master bedroom with individual wardrobe room, exit to french balcony and individual bathroom with bath, shower, dryer , washing machine, toilet.
Second bedroom with individual wardrobe too, exit to small french balcony . Second bathroom near to second bedroom, which can use also like guest bathroom.
Apartment is partly furnished,with built-in kitchen and all appliances for kitchen and bathrooms.
Utilities has to be paid separately.
Building with elevator, security guy 24/hours, place for bicycles in the basement.
Parking possibilities near to the building for extra cost.
Good infrastructure, restaurants, museums, entertainment options and shopping centre "Galleria Centre" 1 minute by walking near by.

Transaction type: For rent
Property type: Apartment
Area (m2): 117
Rooms: 3
Floor / Floor amount: 2 / 4
- Elevator
- Domophone
- Internet
- Fiber optic
- Shower
- Bath
- Toilet and bathroom separate
- Parquet
- Closed staircase
- Life guard 24h
- Alarm
- On the sunny side
Daiga Bondare
Certified Real Estate Agent Mobile: +371 2839 8853
Phone: +371 6707 9216
E-mail: daiga.bondare@arcoreal.lv View profile >
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  1. How big a credit can I receive?

    As a loan for repairing your flat, you can receive up to 85% of the cost of your flat (without additional money investments). If you have decided to build a house, you can receive a loan in the amount up to 85% of the market value of the future real estate, i.e. the cost of the real estate upon completion of construction works. In this case, the loan will be paid in instalments in accordance with the construction process.


    Minimum loan sum – 1 000 LVL.


    Answers prepared by  Nordea

  2. What will the interest rate be in my case?

    The interest rate depends on many factors: chosen currency, term of inter-bank rate, loan sum, your income, loan term and whether it is flexible or fixed.


    Answers prepared by  Nordea

  3. What is the loan term?

    The loan term is from 1 up to 40 years.


    Answers prepared by  Nordea

  4. What bank and additional charges shall I take into account arranging a mortgage loan?

    The bank charges only a single payment for preparation of monetary funds (price list). This payment can be executed from the loan sum. However, it is necessary to take into account additional non-bank related payments.


    • Evaluation of real estate – 40-170 LVL
    • 11 LVL – clerical fee; 0.1% of the loan sum – state fee for loan registration. These are payments for registration at Land Registration Book. Payments related to State land authority are set by the Ministry of Law and have a tendency to change regularly.
    • Notary fee – from 12 LVL
    • Insurance – policy price depends on the property insured.


    Answers prepared by  Nordea

  5. How fast will a loan application be considered? How long takes arrangement and allocation of a loan?

    Decision on loan allocation is usually taken within 1-4 working days. Upon approval of a loan with the customer, agreements are approved and singed. Changing of proprietary rights at Land Registration Book can take up to 4 weeks, mortgage registration – 1 week (usually these procedures are done at the same time). After the mortgage registration and arrangement of insurance (the bank offers IF Latvija insurance that can be arranged at your consultant), money, as a rule, is transferred to a customer's bank account within 1 working day.


    Answers prepared by  Nordea

  6. What income do I need to receive a loan?

    The monthly loan payment should not exceed 35% of the monthly income of a loan-subscriber. Income of other family members as well as income of guarantors is taken into account.


    Answers prepared by  Nordea

  7. Is there a possibility to repay a loan ahead of schedule?

    Yes! It is possible to repay the whole or a part of a loan ahead of schedule any time without any charges.


    Answers prepared by  Nordea

  8. What is the best currency for the loan?

    It is advisable that a currency of a loan should be the same as a currency of your income. A loan in the other currency is related to currency risk – in case of currency exchange rate fluctuations, it is possible that the sum of your loan at conversion into lats in future can increase significantly. For example, 100 years experience of Finland and Sweden shows that many loan-subscribers, at the increase of the rate of a dollar as to the local currency, were not in a position to repay their loans and lost their property. Moreover, you lose money monthly for conversion.


    Answers prepared by  Nordea

  9. What are RIGIBOR, LIBOR and EURIBOR?

    RIGIBOR is an inter-bank rate – an arithmetic average that is calculated from the quotations of interest rates of the largest Latvian banks. Inter-bank rates are calculated daily for the certain period, for example, for 1 week, 1 month, 3 months, etc. LIBOR and EURIBOR are also inter-bank interest rates calculated by London Bank Association and Central European Bank. These inter-bank rates reflect the objective money value on the market.


    Inter-bank rates are the same for all the customers in Latvia.


    Answers prepared by  Nordea

  10. What do you need to do in case the decline in household income creates a danger to timely repayment of a credit?

    No matter what are the reasons for decline of your household income, you need to inform the bank promptly, especially when you might experience problems with making the monthly payments. The bank will offer the best solution to avoid the critical situation. There are several options allowing postponing or reduction of the monthly payments. It is important that you state your real financial situation, so we could together find the most appropriate option. The bank is interested in helping its clients, because it creates successful partnership and helps to avoid losses. Credit debts hurt both – the client and the bank!


    Answers prepared by  Nordea

  11. What are the solutions offered by the bank in case the credit payments are delayed?

    In case of payment delays the bank will offer several options to ease the financial burden on the household. The choice is wide – capitalization of debt, extension of the credit loan term, delay or reduction of the payments of the principal, lower interest payments. Each option will lower the ongoing monthly payments; however, keep in mind that paying less today means paying more in the future.


    Each case is special, therefore, every option must be considered together with the bank.


    Answers prepared by  Nordea

  12. What happens when the clients experiencing difficulties repaying the credit do not inform the bank?

    If the bank does not know about the difficulties you are experiencing, be ready for the late payment penalties instead of the bank's forthcoming. Moreover, the situation can result with legal suit against your property in a period from two to six months. You will also have to cover the legal costs and the difference between cost of your property and your credit obligations. The information about the late payments will be sent to the Credit Registry of the Republic of Latvia. Lack of cooperation with the bank will bring the financial losses to you and will complicate the financial transaction in future.


    Answers prepared by  Nordea

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