Questions

It is important for us that you can find as many answers to your questions as possible at our website. We have summarized questions that are most often asked by people during consultations. If you cannot find answer to your question, please contact us by calling our free phone 8 0000 330 or e-mailing to birojs@westkredit.lv.

General questions

Saskaņā ar apdrošināšanas līguma noslēgšanas brīdī spēkā esošajiem Vispārējiem apdrošināšanas noteikumiem un šiem noteikumiem AAS „BTA Baltic Insurance Company”, turpmāk tekstā – BTA, ar Apdrošinājuma ņēmējiem slēdz apdrošināšanas līgumus par nekustamā īpašuma, kustamās mantas un nekustamā īpašuma īpašnieka civiltiesiskās atbildības apdrošināšanu. Papildu informācija.

There are a number of ways to apply for a credit:
By filling in an online application, that our credit specialist will evaluate and will contact the customer, informing about documents necessary for credit issue that can also be submitted electronically. Further, credit specialist agrees with the customer on convenient time to come and sign the contract. Before signing the contract, customer can receive the contract project (electronically or personally), in order to acquaint himself with it and express objections before signing the contract. After signing the contract, customer receives money.
By calling our free phone 80 000 330 and applying for a consultation with credit specialist. Credit specialist informs the customer by phone about all documents necessary for receiving the credit that can be also submitted electronically before meeting. Further, credit specialist agrees with the customer on convenient time to come and sign the contract. Before signing the contract, customer can receive the contract project (electronically or personally), in order to acquaint himself with it and express objections before signing the contract. After signing the contract, customer receives money.

AS West Kredit only issues credits on the security of immovable property. Borrower must be at least 18 years old, in order to receive credit.

Interest rate in each case is defined individually. Credit type, amount, term and objective is evaluated. AS West Kredit regularly organizes promotions, in which credits can be received with decreased interest rates.

AS West Kredit is Latvian leader in non-banking mortgage crediting, and company is active in financial industry already since 1994, in crediting – since 2000. By choosing AS West Kredit, you will choose stability and contracts that are developed and comply with valid normative acts of the Republic of Latvia. Company participates in various workgroups solving questions on general arrangement and development of the industry. Thus, company is the first one that can offer its customers various innovations and be always one step ahead competitors in offering customers friendly provisions.

During the credit contract validity, borrower still has title to his immovable property. Therefore, after obtaining creditor’s consent, it is possible to lease, rent, donate or sell the property.

Credit repayment

You must contact AS West Kredit Payment Department as soon as possible, because with timely detection, the most suitable solution of the problem can be found.

Monthly credit payments are performed in accordance with the payment schedule. If customer wants to terminate his contractual obligations before the established term, it is necessary to write application for credit repayment, in order to find out the amount paid into the lender’s account. Having received this certificate, borrower performs final settlement and receives submitted documents and a document for clearing the mortgage.

Credit receipt

AS West Kredit also issues credits to entrepreneurs for development of existing business or starting a new business. These credits are different from credits for consumers, since legal entity and not consumer is evaluated in credit paperwork.

Passport or electronic identification card (abbreviated eID), original or copy of immovable property title document (originals of documents must not be submitted at the time of contract conclusion). List of other documents is defined by the credit specialist, evaluating amount, type and objective of the credit.

First, it is important to choose the company having the Consumer Rights Protection Centre’s issued license for crediting consumers in the Republic of Latvia. This guarantees that company’s provided services and provisions are consumer-friendly.
Second, it is important to choose the company that is open in communication with the customer and gives customer opportunity to see contractual provisions and, if necessary, to show them to his lawyer even before concluding the contract.
Third, credit is a responsibility, therefore, its necessity must be evaluated very carefully.

If borrower can present all documents requested by the credit specialist maximally quickly, credit paperwork takes maximum two working days.

In case of standard mortgage credit paperwork no funds are necessary, since all costs related to the credit are added to the total loan. You must only take your part of funding into consideration for a credit for purchasing immovable property (first instalment) and a credit for purchasing immovable property at auction.

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