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  • Kellele ekspordilaen sobib?

    Ekspordilaen on suunatud ettevõttele, mis soovib rahastada Eestis toodetud kaupade suuremahulisi eksporditehinguid. Ekspordilaen aitab, kui ettevõte soovib pakkuda välisostjale pikaajalist maksetähtaega, tasuda krediidikindlustuse preemiamakset või rahastada välisostjale müüdavate kaupade tootmist. Laenu väljastamise eeltingimuseks on välisostjaga seonduva krediidi- ja poliitilise riski kindlustamine KredEx Krediidikindlustuses.

  • Kellele ekspordilaen sobib?

    Dokumendid Ekspordilaenu taotlusvorm Finantsprognooside tabel Lisamaterjalid Ekspordilaenu tingimused

  • Kuidas ekspordilaenu taotleda?

    Ekspordilaenu taotlemiseks tuleb täita taotlus, millele tuleb lisada: Finantsprognoosid Ülevaade ettevõttest ja tehingu kirjeldus Viimase lõppenud majandusaasta (auditeeritud) aruanne ja jooksva aasta värskeim vahearuanne Ekspordilaenu väljastatakse Euroopa Regionaalarengufondi vahenditest.  

  • Kuidas ekspordilaenu taotleda?

    Ekspordilaenu puudutavates küsimustes pöörduge palun meie kliendihaldurite poole.

  • Kuidas ekspordilaenu taotleda?

    Laenukäendust puudutavates küsimustes pöörduge palun meie kliendihaldurite poole.  

  • Kontaktid

    Palun tutvuge ekspordilaenu tingimustega ja vajadusel konsulteerige meie kliendihalduritega.

  • Kuidas ekspordilaenu taotleda?

    Ekspordilaenu taotlemiseks tuleb täita taotlus, millele tuleb lisada: Finantsprognoosid Ülevaade ettevõttest ja tehingu kirjeldus Viimase lõppenud majandusaasta (auditeeritud) aruanne ja jooksva aasta värskeim vahearuanne  

  • Ekspordilaenu taotlemine

    1 Kindlustuse ja ekspordilaenu taotlus KredExile 2 KredEx teeb otsuse 3 KredEx väljastab laenu ja kindlustuse

  • Meediakajastus

    KredEx pakub tänasest ekspordilaenu. Aktuaalne Kaamera 20.11.2013 KredEx hakkab rahastama eksporditehinguid. Delfi 20.11.2013 Esimese ekspordilaenu saaja läheb Tadžikistani vallutama. Äripäev 20.01.2014  

  • Millised on peamised nõuded taotlejale?

    Ettevõte on kantud Eesti Vabariigi äriregistrisse Ettevõttel puuduvad ületähtajalised ajatamata võlgnevused Ettevõte on jätkusuutlik ning maksejõuline Ettevõtte omakapital vastab äriseadustikus sätestatud nõuetele Ettevõtte juhatuse liikmed ja omanikud on usaldusväärsed ja pädevad Ettevõttel on kogemus sarnaste ekspordiprojektide teostamisel

  • Vajalikud dokumendid ja lisamaterjalid

    Dokumendid Ekspordilaenu taotlusvorm Finantsprognooside tabel Lisamaterjalid Ekspordilaenu tingimused Ekspordilaenu voldik

  • Taotluste vastuvõtt algab 1. novembril

    KredEx avab üürielamute toetuse taotluste vastuvõtu 1. novembril 2017. Taotlusi saab esitada kuni 30. detsembrini käesoleval aastal.

  • Kontakt

    Palun tutvuge kohaliku omavalitsuse üksuse elamufondi arendamiseks juhtumipõhise investeeringutoetuse andmise tingimuste ja korraga ja vajadusel konsulteerige meie kliendihalduritega.

  • Kellele on kohaliku omavalitsuse elamufondi investeeringu toetus mõeldud?

    Toetus on mõeldud kohaliku omavalituse või tema valitseva mõju all olevale üksusele, kelle põhikirjaliseks tegevuseks on elamumajanduse korraldamine kohaliku omavalitsuse territooriumil ja kes haldusakti või halduslepingu alusel täidab vastavaid avalikke ülesandeid. Ka kohaliku omavalitsuse üksusel, kelle ühinemise on Vabariigi Valitsus kinnitanud, on õigus taotlus esitada. Täpsemate tingimustega palume tutvuda siit. Toetuse andmise eesmärgiks on tagada mobiilsele töötajale vajalike üürieluruumide parem kättesaadavus ning soodustada investeeringuid inimestele eluruumide rajamiseks.

  • Toetuse taotlemine

    1 Viige läbi riigihange 2 Esitage toetuse taotlus 3 KredEx teeb toetuse otsuse 6 Esitage peale viimast toetuse väljamakse 30 päeva jooksul KredExile lõpparuanne 5 Väljamakse pärast tööde vastuvõtmist 4 Teostage tööd 30 kuu jooksul pärast otsuse saamist

  • Lisamaterjalid

    Määrus „Kohaliku omavalitsuse üksuse elamufondi arendamiseks juhtumipõhise investeeringutoetuse andmise tingimused ja kord“ Määruse seletuskiri Toetuse taotlemiseks vajalikud vormid: Toetuse taotlus (NB! Eeldatav tekstimaht ei vasta lahtri suurusele) Investeeringu majanduslik analüüs

  • Millised on toetatavad tegevused?

    Toetust saab järgmistele kuludele: Ehitamise ja ümberehitamise, taotluse esitamise järgse projekteerimise ning omanikujärelevalvega seotud kulu; Energiatarbimise vähendamiseks tehtavad ehitustööd; Korteri sisustamine esmase vajaliku köögimööbli ja sanitaartehnikaga; Üürielamu teenindamiseks vajalike ehitiste püstitamise ja tehnosüsteemide rajamise kulud; Ümberehitamisele kuuluva ehitise insenertehniliste mõõdistuse kulu; Ligipääsetavuse tagamiseks vajalike ehitise osade ja nende paigaldamise kulud; Kinnistu haljastamise kulud kuni 10% ulatuses projekti kõigist abikõlblikest kuludest. Mitteabikõlblikud kulud on: kulud, mis ei ole seotud toetatavate tegevustega või on projekti elluviimise seisukohast põhjendamatud ja ebaolulised omandiküsimuste lahendamisega seotud kulu; taotleja projektijuhtimisega seotud kulud; ettevalmistava tegevuse kulud ja riigihanke läbiviimisega seotud kulud; ülemäärased, toreduslikud või vääralt arvestatud kulud; kulud, mille finantseerimisallikaks on mõni muu riigieelarvelisest, Euroopa Liidu või muu välisabi vahenditest rahastatav toetusmeede. Kulud peavad olema põhjendatud, taotluses kirjeldatud ja nende tegemine dokumenteeritud. Abikõlblikke kulusid tuleb tõendada vastava taotleja tasutud arve maksekorralduse või konto- või krediitkaardi väljavõttega. Sularahatehingud ei ole abikõlblikud.  Toetuse määr on kuni 50% projekti abikõlblikest kuludest. Maksimaalne toetussumma kõigi taotlusvoorude peale kokku on kuni 2 500 000 eurot kohaliku omavalitsuse üksuse kohta. 2017. aastal saab toetust taotleda kuni 1 000 000 eurot kohaliku omavalitsuse üksuse kohta. Tallinna linn ja Tartu linn saavad taotleda toetust alates 2018. aasta taotlusvooru avamisest, samuti saab alates 2018. aastast taotleda toetust vähekindlustatud inimeste eluruumide ehitamiseks.

  • Üürielamute toetuse teabepäev Tartus 23.10

    Hea kohaliku omavalitsuse esindaja! Selleks, et saaksite vahetut infot meetme kohta ning aegsasti vastused kõigile võimalikele küsimusele, kutsume teid osalema tasuta teabepäeval Tartusse , mis toimub 23.10.2017 kell 13-15.15 Dorpati konverentsikeskuse (Turu 2, Tasku) Parrot saalis. Osalemiseks on vajalik eelregistreerimine hiljemalt 2. oktoobriks aadressil registreerimine@kredex.ee või telefonil 667 4100.

  • Kuidas taotleda?

    Eluasemelaenu käenduse taotlemiseks tuleb pöörduda panka, kes korraldab käenduse saamise ning hilisema aruandluse. Eluasemelaenu käendust väljastavad pangad: Swedbank ,  Citadele Pank , Danske Bank ,  Krediidipank , Nordea Pank , SEB Pank , Tallinna Äripank ,  Versobank .

  • Millised on peamised nõuded taotlejale?

    Vähemalt üks laenutaotleja, kes soovib kasutada KredExi eluasemelaenu käendust, peab kuuluma ühte alltoodud sihtgruppidest: Noore pere sihtgrupp Noor pere on kuni 15-aastast (kaasa arvatud) last kasvatav vanem või vanemad, kusjuures vanemaks loetakse ka eestkostja. Noore spetsialisti sihtgrupp Noor spetsialist on kõrghariduse, keskerihariduse või kutsekeskhariduse (põhihariduse või keskhariduse baasil) omandanud või kutseõppe põhihariduse baasil või kutseõppe keskhariduse baasil lõpetanud kuni 35-aastane (kaasa arvatud) isik, kes vastab vähemalt ühele alljärgnevatest tingimustest: isikuga on sõlmitud tööleping, teenistusleping või juhatuse liikme leping, kusjuures katseaja rakendamise korral peab katseaeg olema lõppenud; kes on nimetatud ametisse "Avaliku teenistuse seaduse" alusel, kusjuures katseaja rakendamise korral peab see olema lõppenud; isik on äriregistris või maksuametis registreeritud füüsilisest isikust ettevõtjana, kusjuures ta peab olema tegutsenud ettevõtjana vähemalt aasta. Energiatõhusa eluaseme omandaja või eluaseme energiatõhusaks rekonstrueerija sihtgrupp Energiatõhusa eluaseme omandaja, püstitaja või eluaseme energiatõhusaks rekonstrueerija. Energiatõhusale eluasemele esitatavad nõuded: Energiatõhusa eluaseme soetamisel peab ühe korteriga elamu või kahe või mitme korteriga elamu, millesse soetatakse korter, energiatõhususarvu klass olema vähemalt C. Vastav energiamärgis peab olema koostatud alates 03.05.2013. Energiatõhusa elamu püstitamisel või elamu või selle osa rekonstrueerimisel peab saavutatav energiatõhususarvu klass olema vähemalt C. Riikliku tagatisega seotud energiatõhus elamu, sealhulgas selle osa või korter, peab olema laenusaaja alaliseks elukohaks ja omandis.  Tagastatud eluruumis elava üürniku sihtgrupp Tagastatud eluruumis elav üürnik on omandireformi objektiks oleva õigusvastaselt võõrandatud varana tagastatud eluruumides tagastamise hetkel üürilepingut omav järgmine isik: üürnik üürniku abikaasa või isik, kellega krediidisaaja elab faktiliselt koos abielu sõlmimata üürnikuga koos elanud täisealine perekonnaliige, kellega sõlmiti laenuleping seoses üürniku surmaga üürniku täisealine perekonnaliige üürnikuks olemist võib tõendada üürilepingu või rahvastikuregistri tõendiga üürileping peab kehtima krediidi taotlemise hetkel perekonnaliikme koos elamist üürnikuga võib tõendada üürilepingu või rahvastikuregistri tõendiga kui üürilepingu alusel kasutatavat eluruumi ei osteta, siis peavad laenuvõtja ja temaga koos elavad isikud eluruumi vabastama 3 kuu jooksul laenulepingu sõlmimisest Eluruumi omaniku, üürniku ning kõigi üürnikuga koos elavate täisealiste perekonnaliikmete vahel tuleb sõlmida kirjalik kokkulepe üürilepingu lõpetamiseks ja eluruumi vabastamiseks Kaitseväe või Kaitseliidu veterani sihtgrupp Veteranid on Kaitseväe ja Kaitseliidu teenistuses olnud isikud, kes on käinud välismissioonil või saanud vigastada Eestis teenistuses olles.  Veteranide sihtgruppi kuulumise teatisi väljastab Kaitseväe toetuse väejuhatuse toetusteenuste keskus.  

  • Millised on eluasemelaenu käenduse tingimused?

    omafinantseering minimaalselt 10% laenu tagatisvara väärtusest laenukäenduse suurus on kuni 24% laenu tagatisvara väärtusest, kuid mitte rohkem kui 20 000 eurot. Energiatõhusa eluaseme omandaja või eluaseme energiatõhusaks rekonstrueerija sihtgrupis kuni 50 000 eurot. laenusummal piirmäära ei ole pikema kui 30-aastase laenu tagasimaksmise graafiku tingimused: laenusaajate vanus laenu lõpptähtajal ei ole üle 70 aasta ning tagatisvara on valminud või täielikult renoveeritud viimase 10 aasta jooksul käendustasu 3% käenduse summalt tasutakse lepingu sõlmimisel ühekordse maksena lapse sünni puhul laenupuhkus kuni lapse 2 aastaseks saamiseni või olemasoleva lapse puhul mitte kauem kui lapse 2 aastaseks saamiseni KredExi laenukäenduse abil soetatav eluase ei pea olema esimene ostetav eluase, aga korraga võib olla kasutusel vaid üks KredExi eluasemelaenu käendus. Soetatava või renoveeritava eluaseme omanikuks ja kasutajaks peab olema laenusaaja. Lubatud on eluase soetada ka kaasomandisse abikaasa või kaaslaenusaajaga. Aktsepteeritav ruutmeetri hinna ülemmäär uue arendatava kinnisvara esmamüügil/ostul hindamisakti nõudmata: Regioon m² hinna ülempiir eurodes Tallinna Kesklinna ja Pirita linnaosades 2400 Eelpool nimetamata Tallinna linnaosades, Tallinnaga piirnevates valdades, Tartu ja Pärnu linnas 1800 Teised piirkonnad 1200  

  • Kontakt

    Palun tutvuge eluasemelaenu käenduse tingimustega ja vajadusel konsulteerige meie kliendihalduritega.

  • Kellele eluasemelaenu käendus sobib?

    Eluasemelaenu käendus on mõeldud inimestele, kes soovivad võtta laenu uue eluaseme ostmiseks või olemasoleva renoveerimiseks ning vähendada oma esmase sissemakse kohustust. Eluasemelaenu käendusega on võimalik osta korter, elumaja, krunt või suvila. Krundi ostu eesmärgiks peab sellisel juhul olema elamu ehitamine ning suvila puhul suvila ümberehitus aastaringseks elamiseks. KredExi eluaseme laenukäenduse taotlemiseks palume pöörduda panga poole, kogu laenu ja ka käenduse taotlemine käib läbi panga. Täiendavalt KredExi poole pöörduda pole vaja.

  • Vajalikud dokumendid ja lisamaterjalid

    Eluasemelaenu käenduse kalkulaator Eluasemelaenu käenduse sihtgrupid Taotluse vorm (täitmiseks pangale) Näide

  • Eluasemelaenu käenduse taotlemine

    1 Laenutaotlus pangale 2 Pank väljastab laenu 3 Aruandlus

  • Kuidas kindlustust taotleda?

    Kindlustuslepingu sõlmimiseks tuleb enne investeeringu teostamist täita lepingutaotlus ja saata see meie kliendihaldurile. Kindlustusandja analüüsib investeeringu asukoha riiki ning projekti, ja teeb pakkumuse, mis vormistatakse sobivusel kindlustuslepinguks.

  • Millised on olulisemad tingimused?

    Kindlustusvõtja: Eesti Äriregistrisse kantud ettevõtja Kindlustatav risk: investeeringu teostamisega seonduv poliitiline risk Tehingupõhine teenus Investeeringu asukohariik: ei ole piiratud, väljaarvatud Eesti Riskiperiood 3 kuni 15 aastat Kindlustuskate kuni 100%

  • Kellele investeeringu kindlustus sobib?

    Investeeringu kindlustus sobib eksportivatele ettevõtetele ja neid finantseerivatele pankadele, mis soovivad kaitsta välisriikidesse tehtavaid otseinvesteeringuid poliitiliste riskide eest. Kindlustusega saab kindlustada tehtavaid otseinvesteeringuid uude ettevõttesse või läbi osaluse omandamise juba olemasolevas ettevõttes. Lisaks on võimalik kindlustada poliitilise riski vastu kesk- ja pikaajalisi omanikelaene, pangalaene ja laenugarantiisid.

  • Lisainfo

    Krediidikindlustuse mõisted

  • Kontakt

    Palun tutvuge investeeringu kindlustuse tingimustega ja vajadusel konsulteerige meie kliendihalduritega.

  • Vajalikud dokumendid ja lisamaterjal

    Krediidikindlustuse voldik 

  • Investeeringu kindlustuse taotlemine

    1 Taotlus KredEx Krediidikindlustusele 2 KredEx Krediidikindlustus pakub lahenduse 3 KredEx Krediidikindlustus sõlmib kliendiga lepingu

  • Videod

      Mis on krediidikindlustus?     Miks on krediidikindlustust vaja?   Palju krediidikindlustus maksab?     Kuidas makseriske hinnata?     Millised on peamised probleemid makseriskide hindamisel?      

  • Kapitalilaenu väljastatakse Euroopa Regionaalarengufondi vahenditest.

  • Vajalikud dokumendid ja lisamaterjal

    Dokumendid Kapitalilaenu taotlusvorm (e-teenuste keskkonda sisenemiseks vajalik ID-kaart või Mobiil-ID) Finantsprognooside tabel Lisamaterjal Kapitalilaenu üldtingimused Ettevõtluse valdkonna teenuste voldik  

  • Millised on peamised nõuded taotlejale?

    Ettevõte on kantud Eesti Vabariigi äriregistrisse Ettevõtte omakapital on vähemalt 100 000 eurot ja vastab äriseadustikus sätestatud nõuetele Ettevõttel puuduvad ületähtajalised ajatamata võlgnevused Ettevõte on jätkusuutlik ning maksejõuline Ettevõtte juhatuse liikmed ja omanikud on usaldusväärsed ja pädevad  

  • Kellele kapitalilaen sobib?

    Kapitalilaen on suunatud ärimudeli toimimist tõestanud ettevõttele, mis kavandab investeeringuid arengusse ning tegevusmahtude kasvu. Kapitalilaen on allutatud laen, mis aitab, kui ettevõtte kiiret kasvu soovitakse finantseerida laenuga, kuid pangalaenu saamiseks on omafinantseeringu tase liialt madal või puuduvad piisavad tagatised. Sarnaselt omanikule annab KredEx ettevõtja kasutusse kapitali, mis tulenevalt allutatusest suurendab teiste finantseerijate silmis omafinantseeringu taset. See omakorda võimaldab kaasata täiendavat finantseerimist näiteks pangalaenu näol.

  • Kuidas kapitalilaenu taotleda?

    Kapitalilaenu taotlemiseks tuleb täita taotlus  (e-teenuste keskkonda sisenemiseks vajalik ID-kaart või Mobiil-ID), millele tuleb lisada: finantsprognoosid KredExi vormil äriplaan viimase lõppenud majandusaasta aruanne jooksva majandusaasta bilanss ja kasumiaruanne, mille aruandeperioodi lõppemisest ei ole taotluse esitamise hetkel möödunud rohkem kui kaks kuud ettevõtte võtmeisikute elulookirjeldused Kui äriplaani teostamiseks soovitakse võtta lisaks kapitalilaenule ka pangalaenu, on soovitav samaaegselt pöörduda nii panka kui KredExisse, et need saaksid omavahel laenutingimused kooskõlastada. NB! KredExi poolt pakutavad teenused võivad sisaldada riigiabi sh vähese tähtsusega abi. Ettevõtja on kohustatud informeerima toetustest, mida sama projekti rahastamiseks on saadud või taotletakse. Normal 0 21 false false false ET X-NONE X-NONE MicrosoftInternetExplorer4 /* Style Definitions */ table.MsoNormalTable {mso-style-name:Normaaltabel; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin-top:0cm; mso-para-margin-right:0cm; mso-para-margin-bottom:10.0pt; mso-para-margin-left:0cm; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi;} Kapitalilaenu väljastatakse Euroopa Regionaalarengufondi vahenditest.

  • Kontakt

    Palun tutvuge kapitalilaenu tingimustega ja vajadusel konsulteerige meie kliendihalduritega.

  • Kapitalilaenu taotlemine

    1 Laenutaotlus KredExile 2 KredEx teeb otsuse 3 Kredex väljastab laenu

  • Kapitalilaenu taotlemine

    eluaseme püstitamine, rekonstrueerimine või laiendamine, samuti eluaseme tehnosüsteemide – või võrkude rajamine, muutmine või asendamine eluaseme renoveerimine ehitusprojekti koostamisega, omanikujärelevalvega ja ehitusloa või ehitamiseks kohaliku omavalitsuse kirjaliku nõusoleku taotlemisega seotud kulude katmine eluaseme soetamine leibkonnale eluasemelaenu põhiosa tagasimakse toetamine  

  • Kontakt

    Normal 0 21 false false false ET X-NONE X-NONE MicrosoftInternetExplorer4 /* Style Definitions */ table.MsoNormalTable {mso-style-name:Normaaltabel; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin-top:0cm; mso-para-margin-right:0cm; mso-para-margin-bottom:10.0pt; mso-para-margin-left:0cm; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi;} Lasterikaste perede toetust puudutavates küsimustes pöörduge palun meie spetsialistide poole. 

  • Kontakt

    Taotlusvorm koos lisade ja lisadokumentidega esitatakse KredExile kas digitaalselt allkirjastatuna e-posti aadressile toetused@kredex.ee või paberkandjal Eesti Posti kaudu tähitud kirjana, aadressil KredEx, Hobujaama 4, 10151 Tallinn. Ümbrikul peab olema taotleja täisnimi, aadress ja märge „Kodutoetus“. Taotluse postitamise kuupäev ei tohi olla varasem kui vooru avamise alguskuupäeva ega hilisem kui vooru lõpptähtpäev. Dokumentide elektroonilisel edastamisel on viimane saatmise aeg taotlusvooru lõpptähtpäeval kell 23:59.

  • Kontakt

    Juhend "Kodutoetus lasterikastele peredele"(kinnitatud 21.03.2014)   

  • Kellele sobib lasterikaste perede toetus?

    Riiklik tagastamatu toetus eluasemetingimuste parandamiseks ja kaasajastamiseks on mõeldud lasterikastele peredele, kus kasvab vähemalt kolm kuni 19-aastast (kaasa arvatud) last, kes elavad rahvastikuregistri kande alusel projekti objektiks olevas eluruumis (v.a uue eluaseme soetamise, elamiskõlbmatu eluaseme ümberehitamise või püstitamise korral). Toetusskeemi sihtgrupiks on madala sissetulekuga leibkonnad, kellel puudub kas leibkonna vajadustele vastav eluase või olemasolev eluase ei vasta elementaarsetele elamistingimustele, sealjuures puudub vee- ja kanalisatsioonisüsteem või pesemisvõimalus, katus ei ole vettpidav või küttekolded ei taga eluaseme optimaalset siseõhu temperatuuri. Toetust saavad taotleda ka varasemalt toetust saanud pered, kellele on kodutoetust eraldatud mitte enam kui ühe korra. Korduva toetuse taotlemise hetkeks peab eelmine toetus olema kasutatud sihtotstarbeliselt, projekt tähtaegselt lõpetatud ja KredExile esitatud toetuse kasutamise lõpparuanne. Taotleja, kes on eelnevalt käesoleva meetme raames saanud toetust enam kui ühe korra, rohkem toetust taotleda ei saa.  

  • Toetuse tingimused

    2017. aasta juhend 2016. aasta juhend 2014. aasta juhend

  • Lasterikaste perede kodutoetuse taotlemine

    1 Esitage KredExile toetuse taotlus 2 KredEx menetleb taotlused 3 Kohalik omavalitsus annab hinnangu 6 KredEx teeb otsuse 5 Hindamiskomisjon vaatab taotlused läbi 4 KredEx teostab paikvaatluse 7 Otsused edastatakse taotlejale 8 KredEx maksab toetuse välja 9 Aruandlus

  • Info lõppenud taotlusvoorude kohta

    2016. aasta taotlusvoor 2015. aasta taotlusvoor 2014. aasta taotlusvoor

  • Info lõppenud taotlusvoorude kohta

    taotlus e-teeninduse kaudu taotlus (pdf) taotlus (word) taotlus (word docx) taotluse täitmise NÄIDIS taotleja(te) isikut tõendava dokumendi koopia ülalpeetavate puhul tõend, mis kinnitab ülalpeetava vastavust juhendi punktis 1.2.5 toodud nõuetele puudega lapse puhul koopia arstliku ekspertiisi otsusest raske või sügava puude määramise kohta koopia lapsendaja, kasuvanema või eestkostja määramise otsusest taotleja kõigi täisealiste leibkonna liikmete 2015 aasta tuludeklaratsiooni koopia (pdf formaat), täisealiste leibkonna liikmete töötamisel välisriigis tuludeklaratsioonide koopiad kohase välisriigi maksuametist juhul, kui tuludeklaratsioone ei ole esitatud ja/või tulu saadud, siis Maksu- ja Tolliameti tõend 2015 aastal saadud maksustatava tulu või selle puudumise kohta Juhul, kui toetuse taotleja (üks või mõlemad vanemad) on tegutsenud füüsilisest isikust ettevõtjana (FIE-na), esitatakse KredExile tervikdeklaratsioon – A ja E vormid. Laste sünnitunnistused, abielutunnistused või abielutõendeid ei ole vaja esitada ja esitatakse vaid juhul, kui KredEx neid Teie käest küsib. Järgnevad dokumendid esitatakse vastavalt toetuse kasutamise sihtotstarbele: Ehitise püstitamine, rekonstrueerimine, laiendamine, renoveerimine, tehnosüsteemide või - võrkude rajamine, muutmine, asendamine: ehitustööde eelarve ehitustööde eelarve täitmise NÄIDIS hinnapakkumised vähemalt kahelt tööde teostajalt, kui projektis sisalduvate tööde teostamiseks kasutatakse teiste isikute teenuseid hinnapakkumine vähemalt ühelt ehitusmaterjalide müüjalt, kui projektis sisalduvad tööd tehakse ise Eluaseme soetamine: soovitava eluaseme kirjeldus , kuhu märgitakse kinnisasja tüüp, asukoht, suurus, seisukord, sissekolimisvalmidus, remondivajadus ja selle hinnanguline maksumus. Fotosid soovitavast eluasemest ei ole vaja juurde lisada. Eluasemelaenu põhiosa tagasimakse taotlemine: krediidiasutuse tõend eluasemelaenu kohta, milles on näidatud laenulepingu number, laenulepingu sõlmimise kuupäev, laenu saaja(d), laenu sihtotstarve, laenu summa, laenuobjekti aadress, laenu põhiosa jäägi summa, igakuise tagasimakse kuupäev ja võimalike laenuvõlgnevuste olemasolu.    

  • Toetuse rahastamistingimused ja piirmäär

    Riik toetab taotleja elamistingimuste parandamisele suunatud projektide teostamist kuni 100% ulatuses projekti maksumusest, kuid mitte rohkem kui maksimaalne toetussumma. Ühe projekti maksimaalseks toetussummaks on 8 000 eurot. Taotleja, kellele on varasemalt kodutoetust eraldatud mitte rohkem kui ühe korra, võib toetust taotleda kuni 5 000 eurot. Pered, kellele on varasemalt kodutoetust eraldatud rohkem kui ühel korral, sellel aastal kodutoetust uuesti taotleda ei saa. Eraldatav toetus on maksustatav tulu tulumaksuseaduse tähenduses. KredEx tasub toetuse summalt toetuse saaja eest tulumaksu. Toetust lasterikastele peredele rahastatakse riigieelarvest.

  • Toetuse rahastamistingimused ja piirmäär

    Ehitustööde eelarve Soovitava eluaseme kirjeldus Väljamakse taotluse vorm (eluaseme soetamine) Väljamakse taotluse vorm (eluasemelaenu põhiosa tagasimaksmine) Väljamakse taotluse vorm (eluaseme renoveerimine) Aruande vorm (eluaseme renoveerimine) Aruande vorm (eluaseme soetamine) Avaldus sihtotstarbe muutmise kohta  

  • Toetuse rahastamistingimused ja piirmäär

    Taotleja on seaduslik(ud) vanem(ad), lapsendaja(d), kasuvanem(ad), eestkostja(d) või võõrasvanem(ad), kelle leibkonda kuuluvad vähemalt neli kuni 19-aastast (kaasa arvatud) last. Leibkonda kuuluvad vanemad esitavad taotluse ühiselt. Taotleja on koos laste ja täiendavate ülalpeetavatega registreeritud rahvastikuregistris toetuse aluseks olevasse eluruumi. Eluaseme soetamise, ehitise püstitamise või elamiskõlbmatu elamispinna rekonstrueerimise korral on taotleja koos lastega registreeritud rahvastikuregistris samale aadressile. Taotleja või tema kuni 19-aastane laps on toetuse aluseks oleva eluruumi omanik, kaasomanik või saab selle omanikuks või kaasomanikuks enne toetuse väljamaksmist. Taotleja omandis ei ole rohkem kui üks eluruumina kvalifitseeruv kinnisomand v.a kõrvuti või üksteise peal paiknevad korteriomandid või majaosad, mis on omavahel ühendatud. Taotleja leibkonna kahe viimase aasta keskmine maksustatav tulu leibkonna ühe liikme kohta ei ole suurem kui 355 eurot kuus va eelnevalt eraldatud toetus. Taotlejaks ei või olla isik, kelle suhtes on jõustunud kohtuotsus füüsilise isiku pankrotimenetluse algatamiseks ja/või pankroti väljakuulutamiseks või kelle vastu on algatatud täitemenetlusi võlgade katteks ja/või kelle kinnisvara on arestitud.    

  • Taotluste vastuvõtt on lõppenud

    Taotluste esitamise tähtaeg oli 30.06.2017. Kodutoetuse taotlemine, menetlemine ja eraldamine toimub vastavalt ettevõtlus- ja infotehnoloogiaministri ministri poolt kinnitatud  juhendile . Kõik taotlusvoorus laekunud taotlused menetletakse vastavalt 2017. a juhendile. Täpsemat infot menetlemise ja otsuste tegemise kohta leiate siit . 

  • Kontakt

    Palun tutvuge korterelamu laenukäenduse tingimustega ja vajadusel konsulteerige meie kliendihalduritega.

  • Kellele korterelamulaenu käendus sobib?

    Laenukäendus sobib korterelamutele, kes soovivad võtta pangast renoveerimiseks ja elanike elukvaliteedi tõstmisega seotud tööde finantseerimiseks laenu, kuid kelle riski hindab pank tavapärasest kõrgemaks (nt kõrge võlgnike osakaal, korterelamu asub piirkonnas, kus korterite turuväärtus on madal või monofunktsionaalses asulas, investeering m² kohta on märkimisväärselt kõrgem kui tavapäraselt) või kes soovib kasutada KredExi käendust makseraskuste riski kindlustamiseks.

  • Vajalikud dokumendid ja lisainfo

    Dokumendid Taotluse vorm Lisamaterjalid Laenukäenduse üldtingimused Nõuded valitsejale (korteriomanike ühisuse puhul)    

  • Kuidas laenukäendust taotleda?

    Laenukäenduse taotlemiseks tuleb pöörduda panka. Täpsemat infot korterelamulaenu käenduse kohta saab KredExi kliendihaldurilt. Laenukäendust korterelamutele väljastavad pangad: Danske Bank , Krediidipank , Nordea Pank , SEB Pank , Swedbank , Tallinna Äripank ,  Versobank .

  • Millised on peamised nõuded taotlejale?

    Laenusaajaks on korteriühistu või hooneühistu või korteriomanike ühisuses osalevad korteriomanikud. Korteriomanike ühisuse puhul võib laenusaajaid esindada lihtkirjaliku volituse alusel valitseja. Ühistu või ühisus peab olema krediidivõimeline. Laenusaajal peab olemapädev üldkoosoleku otsus renoveerimistööde teostamise, laenuvõtmise ja käenduslepingu sõlmimise kohta. Renoveerimistööd on ettenähtud korterelamu majanduskavas. Korterelamuks loetakse vähemalt 2 korteriga elamuid.

  • Käenduse tingimused

    Kuni 75% laenusummast Käendussumma väheneb proportsionaalselt laenusummaga Käendustasu 1,2-1,7% käenduse jäägilt aastas Makseraskuse tekkimisel võib laenusaaja taotleda KredExilt, et KredEx maksaks ajutiselt krediidilepingu maksegraafiku järgseid makseid tema eest. KredExi maksed pangale laenusaaja asemel ei ole käenduse ettemaks, maksete tegemisest tekkivad laenusaaja kohustused sihtasutuse ees reguleeritakse nende vahel eraldi kokkuleppega. Ühisuste puhul kaasatakse valitseja tagasimaksete kogumiseks korteriomanikelt sihtasutusele ja vajadusel ka nõuete esitamiseks korteriomanike vastu.

  • Korterelamulaenu käenduse taotlemine

    1 Laenu- ja käenduse taotlus pangale 2 Käenduse menetlemine 3 Pank väljastab laenu

  • Kellele laenukäendus sobib?

    Laenukäendus on suunatud ettevõttele, mis vajab oma tegevuseks finantseerimist pangalt või liisinguettevõttelt. Laenukäendus aitab, kui ettevõte soovib kasutada pangalaenu, liisingut või pangagarantiid, kuid selle väljastamiseks puuduvad piisavad tagatised või tegutsemisajalugu.

  • Millised on peamised nõuded taotlejale?

    Ettevõtja on krediidivõimeline Ettevõtja omakapital vastab äriseadustikus sätestatud nõuetele Ettevõtjal puuduvad ületähtajalised ajatamata võlgnevused  

  • Vajalikud dokumendid ja lisamaterjalid

    Lisamaterjalid Laenukäenduse tingimused (infoks ettevõtjale) Ettevõtluse valdkonna teenuste voldik Dokumendid Laenukäenduse taotlusvorm (täitmiseks pangale, vajalik ID-kaart või Mobiil-ID)  

  • Kuidas laenukäendust taotleda?

    Laenukäenduse kasutamiseks tuleb pöörduda panka. Käenduse saamiseks esitab pank või liisingfirma vastava taotluse KredExile. Kuni 400 000 eurose käenduse menetlemiseks kulub tavaliselt 1 nädal, 400 000 – 800 000 eurose käenduse menetlemiseks 2 nädalat ja üle selle 4 nädalat. NB!  KredExi poolt pakutavad teenused võivad sisaldada riigiabi sh vähese tähtsusega abi. Ettevõtja on kohustatud informeerima toetustest, mida sama projekti rahastamiseks on saadud või taotletakse. Käenduse taotlemisel käibelaenule, arvelduskrediidile ja pangagarantiile, samuti varasemate investeerimislaenude refinantseerimisel, esitab laenutaotleja tulenevalt riigiabi reeglitest teatise saadud vähese tähtsusega abi ja piiratud summas antava abi kohta. Suurettevõtja esitab nimetatud teatise sõltumata laenuliigist. Täpsema info saamiseks soovitame ühendust võtta KredExi kliendihalduritega.

  • Kuidas laenukäendust taotleda?

     

  • Kontakt

    Palun tutvuge laenukäenduse tingimustega ja vajadusel konsulteerige meie kliendihalduritega.

  • Kuidas laenukäendust taotleda?

    Laenukäenduse kasutamiseks tuleb pöörduda panka või liisinguettevõttesse. Käenduse saamiseks esitavad need vastava taotluse KredExile. Sõltuvalt käendussumma suurusest ja projekti keerukusest võtab käendusotsuse tegemine aega kuni neli nädalat. NB! KredExi poolt pakutavad teenused võivad sisaldada riigiabi sh vähese tähtsusega abi. Laenukäendust väljastatakse Euroopa Regionaalarengufondi vahenditest. Pankade ja liisinguettevõtete poolt väljastatavaid laene ja liisinguid käendab KredEx osaliselt Euroopa Liidu konkurentsivõime ja uuendustegevuse raamprogrammi ja Euroopa Investeerimisfondiga Euroopa väikese ja keskmise suurusega ettevõtjate programmi (COSME) toel.

  • Laenukäenduse taotlemine

    1 Laenu/ liisingu/ pangagarantiitaotlus pangale 2 Käenduse taotlus KredExile 3 KredEx teeb otsuse 4 Pank väljastab laenu

  • Meediakajastus

    Reval Shipbuilding alustab Prangli parvlaeva ehitamist.  Äripäev 27.11.2012 Võhmas rajatakse koostootmisjaama.  Sakala 16.11.2012 Air Maintenance Estonia uus lennukiangaar maksis 10 mln . Äripäev 05.09.2012 Soome mööblifirma kolis tootmise Tartusse.  Tartu Postimees 16.08.2012 Gastronoomiatalu avas Kredexi toel Raplamaal tootmisköögi.  Postimees Online 15.03.2012  Kergu firma ehitas allveelaeva ümber käigusilla d. Pärnu Postimees 23.02.2012 Defendeci juht: riigi käendus on high-tech-firma ainus võimalus . Postimees 28.07.2012 Eesti idufirma loob kiirdiagnostikaseadet. Postimees 20.01.2014  

  • Meediakajastus

    Ehitusekspertiiside, ehitusprojektide ja energiaauditite toetuste saajate nimekirjad      

  • Meediakajastus

    Toetust taotleva korterelamu kohta peab olema teostatud kas: 1. aastatel 2003-2006 koostatud tehnilise ülevaatuse akt, ehitise ekspertiis, energiaaudit või ehitusprojekt või 2. alates 2007. aastast koostatud ehitise ekspertiis, energiaaudit või ehitusprojekt. 3. rekonstrueerimistööde puhul peab olemas olema ehitusluba või kohaliku omavalitsuse kirjalik nõusolek.   Taotlus Rekonstrueerimistööde väljamakse taotlus

  • Meediakajastus

    Renoveerimistoetust eraldatakse 20% alates 01.01.2007 aastast teostatud piirde- ja kandekonstruktsioonide, elektri-, kütte- ja ventilatsioonisüsteemide ning gaasipaigaldiste rekonstrueerimis- ja renoveerimistööde ning taastuvenergia tootmise seadmete soetamise ja paigaldamisega seotud tööde maksumusest. Üldkasutatavate ruumide viimistlustöid toetatakse ainult rekonstrueerimis- ja renoveerimistööde osana.  

  • Meediakajastus

    Toetust saavad taotleda omandireformi käigus õigusjärgsele subjektile tagastatud korterelamute füüsilistest isikutest omanikud, nimetatud elamutes moodustatud korteriühistud või neis asuvad korteriomanike ühisused.

  • Meediakajastus

    Lõppenud toetusmeetmeid puudutavates küsimustes pöörduge palun meie spetsialisti poole:

  • Meediakajastus

    Tagastatud korterelamute renoveerimistoetuse saajate nimekiri

  • Meediakajastus

    1 Teostage vajalikud eeltööd 2 Hankige ehitusluba 3 Valige ehitajad, sõlmige lepingud 6 Esitage toetuse väljamakse taotlus 5 KredEx teeb otsuse 4 Esitage KredExile toetuse taotlus 7 KredEx maksab toetuse välja

  • Energiaauditi ja ehitusprojekti toetus

    Energiaauditi ja ehitusprojekti toetuse taotlusvoor on suletud alates 1. septembrist 2013 rahaliste vahendite lõppemise tõttu Aruandlus Kõikidel korterelamutel, kes on saanud energiaauditi, ehitusprojekti või ehitise ekspertiisi toetust on kohustus esitada kord aastas korterelamu energiakulu aruanne eelneva kalendriaasta kohta. Aruande esitamise kohustus algab toetuse saamisele järgnevast aastast, aruande esitamise periood on 3 aastat. Aruanne tuleb esitada iga järgneva aasta 20. jaanuariks. Aruande esitamiseks logige sisse KredExi e-teenindusse. Peale sisse logimist suunatakse Teid energiakulu aruande vormile. Energiakulu aruande esitamine. NB! E-teeninduse kasutamiseks on vajalik ID-kaart või Mobiil-ID. Energiaauditi, ehitusprojektide ja ehitusekspertiiside toetuste saajad Ehitusekspertiiside, ehitusprojektide ja energiaauditite toetuste saajate nimekirjad

  • Energiaauditi ja ehitusprojekti toetus

    Omandireformi käig us tagastatud korterelamute taotlusvoor on suletud alates 15.01.2014 seoses „Eesti eluasemevaldkonna arengukava 2008-2013“ rakendusperioodi lõppemisega.  Tagastatud korterelamute renoveerimistoetuse saajate nimekiri

  • Energiaauditi ja ehitusprojekti toetus

    Kõikidel korterelamutel, kes on saanud energiaauditi, ehitusprojekti või ehitise ekspertiisi toetust on kohustus esitada kord aastas korterelamu energiakulu aruanne eelneva kalendriaasta kohta. Aruande esitamise kohustus algab toetuse saamisele järgnevast aastast, aruande esitamise periood on 3 aastat. Aruanne tuleb esitada iga järgneva aasta 20. jaanuariks. Aruande esitamiseks logige sisse KredExi e-teenindusse. Peale sisse logimist suunatakse Teid energiakulu aruande vormile. Energiakulu aruande esitamine. NB! E-teeninduse kasutamiseks on vajalik ID-kaart või Mobiil-ID. 

  • Rekonstrueerimistoetus 2010-2014

    2016. aasta tarbeandmete esitamine Kõigil, kes on aastatel 2010-2014 saanud rekonstrueerimistoetust, tuleb esitada 2017. aasta 20. jaanuariks energiatarbe aruanne 2016. aasta kohta. Aruande esitamiseks logige sisse KredExi e-teenindusse. Peale sisse logimist suunatakse Teid energiakulu aruande vormile. Energiakulu aruande esitamine. NB! E-teeninduse kasutamiseks on vajalik ID-kaart või Mobiil-ID. Rekonstrueerimistoetuse otsuse saanud korterelamud

  • Renoveerimislaen

    2016. aasta tarbeandmete esitamine Kõigil, kes on kasutanud korterelamu rekonstrueerimiseks renoveerimislaenu, tuleb esitada 2017. aasta 15. veebruariks energiatarbe aruanne 2016. aasta kohta. Aruande esitamiseks logige sisse KredExi e-teenindusse. Peale sisse logimist suunatakse Teid energiakulu aruande vormile . Energiakulu aruande esitamine. NB! E-teeninduse kasutamiseks on vajalik ID-kaart või Mobiil-ID. Kohustused Laenusaaja kohustused pärast lepingu sõlmimist: Esitada kogu krediidiperioodi kestel, kuid mitte vähem kui 10 aastat, kord aastas 15. veebruariks eelmise kalendriaasta energiakulu aruanne vastaval vormil lubada KredExil kontrollida laenulepingu täitmist kohapeal säilitada laenuga seotud dokumentatsiooni Krediidilepingu kehtivuse lõppemiseni, kuid mitte vähem kui kuni 31.12.2025 esitlema korterelamu üldkasutataval pinnal infot ERDFi osalusest rekonstrueerimistööde toetamisel hoidma hoone kindlustuslepingu kehtivana (sh tasuma kindlustusmakse osamaksed tähtaegselt) kuni Krediidilepingu kehtivuse lõppemiseni. Korterelamute renoveerimislaenu programm on rahastatav Euroopa Regionaalarengu Fondist.

  • Väikeelamute rekonstrueerimise toetus

    Väikeelamute rekonstrueerimise toetus on suletud alates september 2012 rahaliste vahendite lõppemise tõttu. Aruandlus Toetuse saaja, kes sai toetust väikeelamu rekonstrueerimiseks, on kohustatud aruandena esitama KredExile rekonstrueerimisele järgneva aasta tarbimisandmete baasil koostatud väikeelamu energiamärgise 12 kuni 18 kuu jooksul pärast projekti elluviimist. Toetuse saaja esitab energiamärgise KredExile või tema poolt volitatud isikule elektrooniliselt digitaalallkirjaga allkirjastatult või paberkandjal omakäeliselt allkirjastatult. Kui taotleja paigaldas väikeelamus ainult taastuvenergia tootmisseadmed, peab toetuse saaja esitama KredExile mõõdetud taastuvenergia seadmete energiatootmise andmed kord aastas viis aastat pärast toetuse väljamakse tegemist. Aruande esitamise kohustus algab toetuse saamisele järgnevast aastast. Aruanne tuleb esitada iga järgneva aasta 01. märtsiks. Toetuse saaja esitab taastuvenergia seadmete energiatootmise andmed KredExile või tema poolt volitatud isikule elektrooniliselt digitaalallkirjaga allkirjastatult või paberkandjal omakäeliselt allkirjastatult. Kohustused Toetuse saaja on kohustatud: tagama meetme eesmärgile vastava vara säilimise ja sihtotstarbelise kasutamise vähemalt viie aasta jooksul arvates projekti abikõlblikkuse perioodi lõppemisest; kindlustama väikeelamu vähemalt viieks aastaks alates toetuse saamisest; säilitama taotluse, toetuse ja projekti teostamisega seonduvat dokumentatsiooni vähemalt 31. detsembrini 2020. a.

  • Kontakt

    Palun tutvuge müügikäibe kindlustuse tingimustega ja vajadusel konsulteerige meie kliendihalduritega.

  • Kuidas kindlustust taotleda?

    Kindlustuslepingu sõlmimiseks tuleb täita taotlus ja saata see meie kliendihaldurile, kes teeb lepingu pakkumuse. Sobiv pakkumus vormistatakse kindlustuslepinguks. Peale kindlustuslepingu sõlmimist tuleb taotleda oma ostjatele vajalikud krediidilimiidid ning kindlustusandja analüüsib kindlustatavate ostjate krediidivõimelisust, kinnitades ostjatele krediidilimiidid. Ettevõtted, mille käive ei ületa 2 mln eurot saavad kindlustusega kaasnevad kulud välja arvutada kindlustuskalkulaatoriga ja tellida pakkumise meie kodulehelt.

  • Kellele müügikäibe kindlustus sobib?

    Müügikäibe kindlustus on mõeldud ettevõttele, mis soovib end kindlustada ostjate võimalike makseraskuste vastu. Teenus on sobilik ettevõttele, mis müüb tarbekaupu, toorainet või teenust lühikese maksetähtajaga. Kindlustusega võib katta kogu ettevõtte müügi või siis müügi ekspordiks kokkulepitud sihtriikidesse.

  • Vajalikud dokumendid

    Üldtingimused Kindlustuslepingu taotlusvorm Krediidilimiidi taotlusvorm Krediidilimiidi taotlusvorm (mitu ostjat) Käibedeklaratsiooni vorm Maksehäireteate vorm Hüvitistaotluse vorm

  • Millised on olulisemad tingimused?

    Kindlustusvõtja: Eesti Äriregistrisse kantud ettevõtja Kindlustatav risk: ostja maksejõuetus tulenevalt kommerts- või poliitilisest riskist Ostjad: juriidilised isikud Ostja asukohariik: ei ole piiratud, sealhulgas Eesti Ostjatele võimaldatav maksetähtaeg: maksimaalselt 360 päeva Kindlustuskate üldjuhul 85% Kindlustuslepinguga seonduvad kulud: kindlustuspreemia ja ostjate hindamise tasu Lisavõimalused: kindlustuskate välisriikides tegutsevatele sidusettevõtetele, kindlustuskate tootmisperioodile, võimalik kombineerida pankade poolt pakutava faktooringteenusega.  

  • Lisainfo

    K rediidikindlustuse mõisted  

  • Müügikäibe kindlustuse taotlemine

    1 Taotlus KredEx Krediidikindlustusele 2 KredEx Krediidikindlustus pakub lahenduse 3 KredEx Krediidikindlustus sõlmib kliendiga lepingu 5 KredEx Krediidikindlustus kinnitab krediidilimiidid 4 Klient esitab krediidilimiitide taotluse

  • Lisainfo

    Krediidikindlustuse mõisted Kuidas kindlustus toimib? Krediidikindlustuse voldik Täiendav info ajutiselt mitteturukõlbulike riskide kindlustamise kohta

  • Videod

      Mis on krediidikindlustus?     Miks on krediidikindlustust vaja?   Palju krediidikindlustus maksab?     Kuidas makseriske hinnata?     Millised on peamised probleemid makseriskide hindamisel?      

  • Näide

    Soovite osta maja, mille turuväärtus hindamisakti alusel on 64 000 eurot ning kasutada selleks eluasemelaenu käendust maksimaalses ulatuses ehk 24%. Samas on Teil eluasemelaen, mille tagasimaksmata summa on 12 782 eurot, selle soovite uue laenu arvelt tagasi maksta.     Eluasemelaen käendusega Tavaline eluasemelaen Tagatise väärtus   64 000  64 000 Omafinantseering 6400 (10%) 21 760 (34%) Tagatise summa   15 360 (24%) 0 Saadav laen 57 600 42 240 Olemasoleva laenu tagasimakse 12 782 12 782 Tagatistasu 460,8 (3%) 0  

  • Kontakt

    Normal 0 21 false false false ET X-NONE X-NONE MicrosoftInternetExplorer4 Palun tutvuge ostjakrediidi kindlustuse tingimustega ja vajadusel konsulteerige meie kliendihalduritega.

  • Kuidas kindlustust taotleda?

    Kindlustuslepingu sõlmimiseks tuleb peale finantseerimislahenduse väljatöötamist täita taotlus ja saata see meie kliendihaldurile. Kindlustusandja analüüsib ostja krediidivõimelisust ning projekti, ja teeb pakkumuse. Sobiv pakkumus vormistatakse kindlustuslepinguks.

  • Vajalikud dokumendid ja lisamaterjal

    Ostjakrediidi kindlustuse taotlusvorm Krediidikindlustuse voldik

  • Millised on olulisemad tingimused?

    Kindlustusvõtja: Eesti eksporditehingut finantseeriv finantseerimisasutus Kindlustatav risk: Ostja maksejõuetus tulenevalt kommerts- või poliitilisest riskist Ostja: juriidiline isik Ostja asukohariik: ei ole piiratud, väljaarvatud Eesti Teenus seondub konkreetse ostja ning eksporditehinguga Kindlustuskate üldjuhul 85% Ostjatele võimaldatav maksetähtaeg üldjuhul kuni 10 aastat (OECD riigid kuni 5 aastat) Ettemakse ostja poolt vähemalt 15% tehingu maksumusest* Tagasimaksegraafik peab olema võrdsete osamaksetega, millede vaheline periood võib maksimaalselt ulatuda 6 kuuni.* Esimese osamakse tasumine peab toimuma vähemalt 6 kuu jooksul alates krediidiperioodi alguskuupäevast.* * üle kaheaastaste krediitide kindlustamisel

  • Kellele ostjakrediidi kindlustus sobib?

    Ostjakrediidi kindlustus sobib finantseerimisasutusele, mis soovib maandada Eesti eksporttehingu pikaajalise finantseerimisega kaasnevat välisostja võimaliku maksejõuetuse riski. Ostjakrediidi kindlustusega sarnane kindlustus on finantseeringu kindlustus, nende erisus tuleneb finantseerimise lahendusest. Ostjakrediidi kindlustusega on tegemist juhul, kui välisostja või välisostja pangaga on sõlmitud krediidileping. Finantseeringu kindlustusega on tegemist juhul, kui välisostja maksed on tagatud akreditiivi või muu pangainstrumendiga. Üle kaheaastaste krediitide kindlustamisel lähtub KredEx Krediidikindlustus kindlustuse puhul OECD riikide kokkuleppest riiklike ekspordigarantiide pakkumisel.  

  • Lisainfo

    Krediidikindlustuse mõisted

  • Ostjakrediidi kindlustuse taotlemine

    1 Finantseerija leidmine 2 Pank esitab taotluse KredEx Krediidikindlustusele 3 KredEx Krediidikindlustus pakub lahenduse 5 Laenu väljastamine 4 KredEx Krediidikindlustus sõlmib pangaga lepingu

  • Videod

      Mis on krediidikindlustus?     Miks on krediidikindlustust vaja?   Palju krediidikindlustus maksab?     Kuidas makseriske hinnata?     Millised on peamised probleemid makseriskide hindamisel?      

  • Kontakt

    Rekonstrueerimistoetust puudutavates küsimustes palun kirjutage e-posti aadressile korterelamu@kredex.ee või pöörduge meie haldurite poole.

  • Nõuded avalikustamisele

    Euroopa Liidu Ühtekuuluvusfondi vahendite kasutamine toob endaga kaasa mõningaid kohustusi, nende hulgas ka nõude avalikkust raha kasutusest teavitada. Oluline on meeles pidada, et projekti teavitusreeglite mittetäitmine võib viia toetuse osalise või isegi täieliku tagasinõudmiseni. Kõik toetust saanud korteriühistud (kellel eraldatud toetussumma jääb alla 500 000 euro) peavad paigutama enda trepikotta plakati (täidetav värviline näidis ja täidetav mustvalge näidis ). Plakat peab olema üleval projekti abikõlblikkuse perioodi vältel. Plakat peab olema suurusega vähemalt A3 ning sellel peab asetsema logo, millele eraldatakse vähemalt 25% plakati pindalast, ja projekti nimetus, mis moodustab plakati kõrgusest vähemalt 30%. Kui toetus on üle 500 000 euro tuleb püstitada maja lähedale stend ( näidis ) ja majale paigutada tahvel ( näidis ). Stendi hoitakse üleval projekti abikõlblikkuse perioodi algusest kuni selle lõpuni. Stendi kasutamisel peab järgima järgmisi nõudeid: stend paigaldatakse avalikkusele nähtavasse kohta, mis asub objekti vahetus läheduses stendile paigutatakse logo, millele eraldatakse vähemalt 25% stendi pindalast stendile kirjutatakse projekti nimetus ja peamine eesmärk, millele eraldatakse vähemalt 30% stendi kõrgusest stendi minimaalne suurus on 1500×1000 mm. Tahvel tuleb paigaldada majale kolme kuu jooksul pärast objektil tööde lõpetamist. Tahvlit ei paigaldata, kui maja juures kasutatakse stendi. Kuni tahvli paigaldamiseni hoitakse üleval stendi. Tahvli kasutamisel peab järgmina järgmisi nõudeid: tahvel paigaldatakse objektile või selle vahetusse lähedusse avalikkusele hõlpsasti nähtavasse kohta; tahvlile paigutatakse logo, millele eraldatakse vähemalt 25% tahvli pindalast; tahvlile märgitakse projekti nimetus ja peamine eesmärk, millele eraldatakse vähemalt 30% tahvli kõrgusest; tahvli minimaalne suurus on 500×300 mm Stendi ja tahvli kujundamisel tuleb kasutada Euroopa Liidu Ühtekuuluvusfondi ja KredExi logosid. Täpsemad juhised teavitamiseks on leitavad Vabariigi Valitsuse määrusest „ Perioodi 2014–2020 struktuuritoetuse andmisest avalikkuse teavitamise, toetusest rahastatud objektide tähistamise ning Euroopa Liidu osalusele viitamise nõuded ja kord .“ Stendi ja tahvli valmistamise kulud katavad korteriühistud ning nende kujundamisel tuleb lähtuda KredExi kodulehel toodud näidistest. Küsimuste korral, palun kirjutage e-posti aadressil marge.kato@kredex.ee või helistage telefonil 667 4117.

  • Nõuded avalikustamisele

    Korteriühistu üldkoosolekule on võimalik kutsuda KredExi esindaja, kes selgitab rekonstrueerimise toetuse tingimusi ja maja kordategemise vajadust. Teenus on korteriühistule tasuta. KredExi esindajate kontaktid ning tegutsemise piirkonnad on leitavad siit .  

  • Ü

      Rekonstrueerimistoetust rahastatakse perioodil 2015-2020 Euroopa Liidu Ühtekuuluvusfondist.

  • Ü

    Koolituse toimumise koht: Tallinna Tehnikaülikool, Ehitajate tee 5, auditoorium U06 304, VI korpus, III korrus. Koolituse toimumise aeg: Koolitus toimub 17.-18. mai – 31. mai-1. juuni 2016, test peab olema sooritatud hiljemalt 10. juuniks 2016. Lisainfot koolituste kohta leiab  SIIT

  • Kellele rekonstrueerimistoetus sobib?

    Korterelamu terviklik rekonstrueerimine võimaldab suurendada hoone energiatõhusust, pikendab selle eluiga, tõstab väärtust kinnisvaraturul ning toob kaasa paranenud sisekliima. Toetus on mõeldud ühistutele ja kohalikele omavalitsustele, kes soovivad rekonstrueerida oma korterelamu võimalikult terviklikult. Toetust võib kombineerida nii krediidiasutuste poolt väljastatavate laenudega kui ka kogutud omavahenditega. Toetust saab taotleda 15%, 25% ja 40% ulatuses (Ida-Virumaal vastavalt 25%, 35% ja 50%) rekonstrueerimistööde kogumaksumusest sõltuvalt korterelamu rekonstrueerimise terviklikkuse tasemest. 

  • Millised on peamised tingimused?

    Toetust saab taotleda enne 1993. aastat ehitatud ja kasutusse võetud korterelamule, milles on moodustatud korteriühistu või mis on tervikuna linna või valla omandis. Toetust saab taotleda 15%, 25% ja 40% (Ida-Virumaal vastavalt 25%, 35% ja 50%) rekonstrueerimistööde ulatuses rekonstrueerimistööde kogumaksumusest Samuti saab 15%, 25% ja 40% toetust taotleda energiaauditi maksumusest juhul, kui energiaaudit on koostatud alates 01.01.2014. Toetust saab taotleda 50% tehnilise konsultandi ja omanikujärelevalve teenuse maksumusest. Samuti saab 50% toetust taotleda ehitusprojekti(de) maksumusest juhul, kui ehitusprojekt(id) on koostatud alates 01.01.2014. Tallinnas ja Tartus ei saa taotleda 15% toetust, välja arvatud juhul, kui hoonel on miljööväärtuslikel kaalutlustel kohaliku omavalitsuse poolt seatud piirangud rekonstrueerimistöödele või rekonstrueerimistööde käigus viiakse kütteõlil töötav katelseade üle taastuvale kütusele. Toetust saab taotleda ainult nendele rekonstrueerimistöödele, mis on kajastatud nõuetekohases põhiprojektis. Toetuse saaja peab 25% ja 40% toetuse puhul kaasama rekonstrueerimistööde planeerimisse ja elluviimisse tehnilise konsultandi, kellega peab olema vastav leping sõlmitud hiljemalt taotluse esitamise hetkeks. 25% ja 40% toetuse taotlemisel läbib esitatud ehitusprojekt ekspertiisi, mille korraldab ja mille eest tasub KredEx. 

  • Nõuded taotlejale

    Taotluse saab esitada: 1) korterelamut haldav korteriühistu, mida esindab taotluse esitamisel mittetulundusühingute ja sihtasutuste registrisse kantud juhatuse liige või üldkoosoleku protokolli kantud volituse alusel tehniline konsultant; 2) vald või linn, kui korterelamu on tervikuna valla või linna omandis. Taotlejat võib esindada ka vastava kirjaliku volituse alusel käesoleva tehniline konsultant. Ärieesmärkide saavutamisele suunatud taotleja taotlust ei rahuldata. Ühes korterelamus asuvatest korteriomanditest vähemalt 80% peavad kuuluma füüsilistest isikutest omanikele. Kui korterelamu on tervikuna valla või linna omandis peavad kõik korteriomandid olema kohaliku omavalitsuse sotsiaal- või munitsipaaleluruumid.

  • Teade

    Hea korteriühistu liige! Taotluste vastuvõtt on peatatud alates 23.09.2017 , kuna Euroopa   Liidu käesoleva eelarveperioodi struktuurifondide rahalised vahendid, korterelamute rekonstrueerimiseks kogusummas 102 miljonit eurot on toetuse taotlustega kaetud. Ajavahemikul 15. septembrist kuni 22. septembrini laekus KredExile 41 uut toetuse taotlust, kogusummas ca 10,5 mln eurot. Kokku on laekunud taotlusi summas ca 104 mln eurot, toetuseks ettenähtud 102 mln eurost. Sellest tulenevalt peatab SA KredEx taotluste vastuvõtu alates 23. septembrist 2017. 15.09.2017. a seisuga  on SA’le KredEx laekunud 419 rekonstrueerimise toetuse taotlust, mis katavad ca 94,5 miljonit eurot toetusteks ette nähtud 102 miljonist eurost. Eelneva kahe nädala jooksul laekus 27 taotlust summas ca 8,3 miljonit eurot. 30.08.2017. a seisuga on SA’le KredEx laekunud 392 rekonstrueerimise toetuse taotlust, mis katavad ca 86,1 miljonit eurot toetusteks ette nähtud 102 miljonist eurost. Eelneva kuu jooksul laekus 24 taotlust summas ca 8 miljonit eurot, augustis on laekunud 18 taotlust summas 5,9 mln eurot. 15.08.2017. a seisuga oli SA’le KredEx laekunud 382 rekonstrueerimise toetuse taotlust, mis katavad ca 83,5 miljonit eurot toetusteks ette nähtud 102 miljonist eurost. Eelneva kuu jooksul laekus 24 taotlust summas ca 8 miljonit eurot. 01.08.2017. a seisuga oli SA’le KredEx laekunud 376 rekonstrueerimise toetuse taotlust, mis katavad  ca  81 miljonit eurot toetusteks ette nähtud 102 miljonist eurost. Eelneva kuu jooksul laekus 24 taotlust summas  ca  8 miljonit eurot.  10.07.2017. a seisuga oli KredExile laekunud 358 rekonstrueerimise toetuse taotlust, mis kattis ca 75 mln eurot 102 mln euro suurusest eelarvest. II kvartalis laekus 63 taotlust summas ca 19 mln eurot. Uuendame statistikat kaks korda kuus.

  • Kellele on stardilaen suunatud?

    KredExi stardilaen sobib alustavale ja kuni kolm aastat tegutsenud ettevõttele investeeringute ja käibevahendite rahastamiseks. Stardilaen aitab, kui ettevõtte käivitamisel on takistuseks algkapitali puudumine ning pangalaenu saamiseks puuduvad piisavad tagatised ja tegutsemisajalugu. Erinevalt tavapärasest pangalaenust nõutakse stardilaenu puhul ettevõtjalt vähem tagatisi. Üldjuhul piisab laenu tagatiseks laenusaaja füüsilisest isikust omanike isiklikust käendusest. Laenu sihtotstarbelisel kasutamisel on käendaja isiklikuks vastutuseks kuni 25% laenusummast. (function() { var _fbq = window._fbq || (window._fbq = []); if (!_fbq.loaded) { var fbds = document.createElement('script'); fbds.async = true; fbds.src = '//connect.facebook.net/en_US/fbds.js'; var s = document.getElementsByTagName('script')[0]; s.parentNode.insertBefore(fbds, s); _fbq.loaded = true; } _fbq.push(['addPixelId', '1567000596912005']); })(); window._fbq = window._fbq || []; window._fbq.push(['track', 'PixelInitialized', {}]); /* */

  • Kuidas stardilaenu taotleda?

    Normal 0 21 false false false ET X-NONE X-NONE /* Style Definitions */ table.MsoNormalTable {mso-style-name:Normaaltabel; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin-top:0cm; mso-para-margin-right:0cm; mso-para-margin-bottom:10.0pt; mso-para-margin-left:0cm; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi; mso-fareast-language:EN-US;} Normal 0 21 false false false ET X-NONE X-NONE MicrosoftInternetExplorer4 /* Style Definitions */ table.MsoNormalTable {mso-style-name:Normaaltabel; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin-top:0cm; mso-para-margin-right:0cm; mso-para-margin-bottom:10.0pt; mso-para-margin-left:0cm; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi;} Stardilaenu taotlemiseks tuleb pöörduda panka, mis edastab taotluse KredExile. Otsustamiseks vajaliku info olemasolul teeb KredEx otsuse üldjuhul kahe nädala jooksul. Stardilaenu väljastab panga ja KredExi positiivse otsuse alusel pank. Tasuta konsultatsiooni stardilaenu taotlemiseks vajaliku äriplaani ettevalmistamiseks saab  maakondlikest arenduskeskustest . Täpsema info saamiseks pöörduge KredExisse või panka. Stardilaenu väljastavad pangad: Citadele Pank ,  Nordea Pank , SEB Pank ,  Swedbank , Versobank  ja Tallinna Äripank . Stardilaenu käendust väljastatakse Euroopa Regionaalarengufondi vahenditest.

  • Vajalikud dokumendid ja lisamaterjalid

    Lisamaterjalid Stardilaenu tingimused Stardilaenu voldik Dokumendid Stardilaenu taotlusvorm (täitmiseks pangale, vajalik ID-kaart või Mobiil-ID )

  • Millised on peamised nõuded taotlejale?

    Ettevõtja äriregistris registreerimisest ei ole möödunud enam kui kolm aastat Ettevõtja omakapital vastab äriseadustikus sätestatud nõuetele Ettevõtja omanike ringis on ainult füüsilised isikud ja/või äriühingud äriseadustiku tähenduses Ettevõtjal, selle omanikel ja juhatuse liikmetel puuduvad ületähtajalised ajatamata võlgnevused Ettevõtja on jätkusuutlik ja maksejõuline ning tema äriplaan on teostatav  

  • Kontakt

    Palun tutvuge stardilaenu tingimustega ja vajadusel konsulteerige meie kliendihalduritega.

  • Stardilaenu taotlemine

    1 Laenutaotlus pangale 2 Käenduse/ finantseerimise taotlus KredExile 3 KredEx teeb otsuse 4 Pank väljastab laenu

  • Meediakajastus

    KredExi stardilaen toetab Sõmeru hambaravi laienemist . Postimees Online 12.03.2012 JK Purjeabi avas Kuressaares oma töökoja . Meie Maa 27.02.2012 KredExi stardilaen toetab kõlaritootja laienemist Aasiasse. Delfi 14.02.2012 KredEx käendas 1,15 miljoni euro eest stardilaene . ERR 30.01.2012  

  • Kontakt

    Palun tutvuge tarnijakrediidi kindlustuse tingimustega ja vajadusel konsulteerige meie kliendihalduritega.

  • Kuidas kindlustust taotleda?

    Kindlustuslepingu sõlmimiseks tuleb enne kauba tarnimist täita taotlus ja saata see meie kliendihaldurile. Kindlustusandja analüüsib ostja krediidivõimelisust ning projekti, ja teeb pakkumuse. Sobiv pakkumus vormistatakse kindlustuslepinguks.

  • Vajalikud dokumendid ja lisamaterjal

    Tarnijakrediidi kindlustuse taotlusvorm Krediidikindlustuse voldik  

  • Kellele tarnijakrediidi kindlustus sobib?

    Tarnijakrediidi kindlustus sobib eksportivale ettevõttele, mis müüb kapitali- ja kestvuskaupu väljapoole Eestit pika maksetähtajaga ja soovib end seejuures kindlustada ostja võimaliku makseraskuse vastu. Üle kaheaastaste krediitide kindlustamisel lähtub KredEx Krediidikindlustus tarnijakrediidi kindlustuse puhul OECD riikide kokkuleppest riiklike ekspordigarantiide pakkumisel.

  • Millised on olulisemad tingimused?

    Kindlustusvõtja: Eesti Äriregistrisse kantud eksportiv ettevõtja Kindlustatav risk: Ostja maksejõuetus tulenevalt kommerts- või poliitilisest riskist Ostja: juriidiline isik Ostja asukohariik: ei ole piiratud, väljaarvatud Eesti Teenus seondub konkreetse ostja ning eksporditehinguga Kindlustuskate üldjuhul 85% Ostjatele võimaldatav maksetähtaeg üldjuhul kuni 10 aastat (OECD riigid kuni 5 aastat) Ettemakse ostja poolt vähemalt 15% tehingu maksumusest* Tagasimaksegraafik peab olema võrdsete osamaksetega, millede vaheline periood võib maksimaalselt ulatuda 6 kuuni.* Esimese osamakse tasumine peab toimuma vähemalt 6 kuu jooksul alates krediidiperioodi alguskuupäevast.* * üle kaheaastaste krediitide kindlustamisel  

  • Lisainfo

    Krediidikindlustuse mõisted

  • Tarnijakrediidi kindlustuse taotlemine

    1 Taotlus KredEx Krediidikindlustusele 2 KredEx Krediidikindlustus pakub lahenduse 3 KredEx Krediidikindlustus sõlmib kliendiga lepingu

  • Videod

      Mis on krediidikindlustus?     Miks on krediidikindlustust vaja?   Palju krediidikindlustus maksab?     Kuidas makseriske hinnata?     Millised on peamised probleemid makseriskide hindamisel?      

  • Millised on peamised nõuded taotlejale?

    Ettevõte on kantud Eesti Vabariigi äriregistrisse Ettevõtte omakapital vastab äriseadustikus sätestatud nõuetele Ettevõttel puuduvad ületähtajalised ajatamata võlgnevused Ettevõte on jätkusuutlik ning maksejõuline Ettevõtte juhatuse liikmed ja omanikud on usaldusväärsed ja pädevad Ettevõtte omakapital ja projekti omafinantseering kokku on vähemalt 50% taotletavast tehnoloogialaenu summast

  • Lisainfo

     Tehnoloogialaen uudistes

  • Kellele tehnoloogilaen sobib?

    Tehnoloogialaen on suunatud ekspordile orienteeritud töötleva tööstuse, mäetööstuse, elektrienergia tootmise, ülekande ja jaotuse ning jäätmetöötluse ja -kõrvalduse ettevõttele, mis investeerib masinatesse ja seadmetesse. Tehnoloogialaen aitab, kui investeeringu tegemiseks kasutatakse pangalaenu või liisingut, kuid ettevõtjal puudub kapital nõutava omafinantseeringu tegemiseks. Sarnaselt ettevõtte omanikule annab KredEx allutatud laenuna ettevõtte kasutusse kapitali, mis suurendab teiste finantseerijate silmis omafinantseeringut. See võimaldab võtta täiendavat liisingut või pangalaenu ja aitab seeläbi ettevõttel kiiremini kasvada. Laenu saanud ettevõtte juhtimisse KredEx ei sekku.

  • Vajalikud dokumendid ja lisamaterjalid

    Dokumendid Tehnoloogialaenu taotlusvorm (vajalik ID-kaart või Mobiil-ID) Finantsprognooside tabel Lisamaterjalid Tehnoloogialaenu üldtingimused Tehnoloogialaenu voldik

  • Kuidas tehnoloogialaenu taotleda?

    Tehnoloogialaenu taotlemiseks tuleb esmalt pöörduda panka või liisingettevõttesse, et saada otsus pangalaenu või liisingu väljastamise kohta. Panga või liisingettevõtte positiivse otsuse korral tuleb tehnoloogialaenu taotlemiseks täita  taotlus (e-teenuste keskkonda sisenemiseks vajalik ID-kaart või Mobiil-ID), millele tuleb lisada: finantsprognoosid KredExi vormil äriplaan, sh investeeringu projektiplaan krediidi- või finantseerimisasutuse pädeva organi otsus laenu või liisingu väljastamise kohta viimase lõppenud majandusaasta aruanne jooksva majandusaasta bilanss ja kasumiaruanne, mille aruandeperioodi lõppemisest ei ole taotluse esitamise hetkel möödunud rohkem kui kaks kuud ettevõtte võtmeisikute elulookirjeldused Tehnoloogialaenu väljastavad pangad: Eesti Krediidipank , LHV Pank , Nordea Pank , SEB Liising , Swedbank , Swedbank Liising , Nordea Finance Estonia, DNB Liising ,  SIA UniCredit Leasing Eesti filiaal , Danske Bank.

  • Kuidas tehnoloogialaenu taotleda?

    Tehnoloogialaen uudistes

  • Kontakt

    Tehnoloogialaenu taotlemisega seonduvates küsimustes pöörduge julgelt meie spetsialistide poole:

  • Kontakt

    Palun tutvuge tehnoloogialaenu tingimustega ja vajadusel konsulteerige meie kliendihalduritega.

  • Tehnoloogialaenu väljastatakse Euroopa Regionaalarengufondi vahenditest.

  • Tehnoloogialaenu taotlemine

    1 Laenu/ liisingutaotlus pangale 2 Tehnoloogialaenu taotlus KredExile 3 KredEx teeb otsuse 4 Pank/ liisingufirma väljastab laenu/liisingu

  • Meediakajastus

    Haagiseeksportijast sai esimene tehnoloogialaenu omanik . Best-Sales 14.10.2011 KredEx väljastas esimese tehnoloogialaenu.  Äripäev 17.10.2011 Bestnet avas Keilas uuendatud seadmepargiga tootmistsehhi . Delfi 09.02.2012 Sindis tegutsev trükikoda soetas KredExi toel moodsa trükimasina . ERR 18.07.2012 (VIDEO) Pajo trükikoda soetas KredExi toel moodsa trükimasina.  Pärnu Postimees 19.07.2012                                                                                                                                                                                         

  • Kuidas kindlustust taotleda?

    Kindlustuslepingu sõlmimiseks tuleb enne lepingu sõlmimist ja tootmise alustamist täita kindlustuslepingutaotlus ja saata see meie kliendihaldurile. Kindlustusandja analüüsib ostja krediidivõimelisust ning projekti, ja teeb pakkumuse, mis vormistatakse sobivusel kindlustuslepinguks.

  • Vajalikud dokumendid ja lisamaterjal

    Tootmisriski kindlustuse taotlusvorm Krediidikindlustuse voldik

  • Millised on olulisemad tingimused?

    Kindlustusvõtja: Eesti Äriregistrisse kantud Eesti ettevõtja Kindlustatav risk: ostja maksejõuetus tulenevalt kommerts- või poliitilisest riskist Ostjad: juriidilised isikud Ostja asukohariik: ei ole piiratud, väljaarvatud Eesti Kindlustuskate üldjuhul 85% Tootmisriski kindlustus on kombineeritav teiste teenustega

  • Kellele tootmisriski kindlustus sobib?

    Tootmisriski kindlustus on mõeldud ettevõttele, mis soovib kindlustada ostjate võimalike makseraskuste vastu tootmisperioodi vältel. Tootmisriski kindlustus katab välisostjaga sõlmitud lepingu täitmisega seotud kulud juhul, kui eksportöör on sunnitud peatama tellitud kaupade tootmise või lepinguliste kohustuste täitmise põhjusel, et ostja ei ole võimeline või keeldub tellitud kaupade vastuvõtmisest kommerts- või poliitilise riski realiseerumise tõttu.

  • Lisainfo

    Krediidikindlustuse mõisted

  • Kontakt

    Palun tutvuge tootmisriski kindlustuse tingimustega ja vajadusel konsulteerige meie kliendihalduritega.

  • Videod

      Mis on krediidikindlustus?     Miks on krediidikindlustust vaja?   Palju krediidikindlustus maksab?     Kuidas makseriske hinnata?     Millised on peamised probleemid makseriskide hindamisel?      

  • Graafik

    1 Taotlus KredEx Krediidi- kindlustusele 2 KredEx Krediidikindlustus pakub lahenduse 3 KredEx Krediidikindlustus sõlmib kliendiga lepingu

  • Kellele eksporditehingu kindlustus sobib?

    Eksporditehingu kindlustus on mõeldud väikeettevõttele, mis teeb esimesi katsetusi eksporditurgudel. Eksporditehingu kindlustus sobib siis, kui ettevõte omab 1-2 ostjat välisriigis ja ekspordi käive ei ületa aastas 500 000€ ning pakub ostjatele maksetähtajaga 30-180 päeva. Eksporditehingu kindlustusega saab ettevõte kindlustada end ostja võimalike makseraskuste vastu. Kindlustus katab ühe müügitehingu või kuni ühe aasta jooksul tehtavate tehingute makseriski.

  • Eksporditehingu kindlustuse taotlemine

     

  • Eksporditehingu kindlustuse taotlemine

     

  • Kontakt

    Palun tutvuge Eksporditehingu kindlustuse tingimustega ja vajadusel konsulteerige meie kliendihalduritega.

  • Kontakt

     

  • Millised on olulisemad tingimused?

    Kindlustusvõtjal puuduvad seotud ettevõtted (st. ei kuulu ettevõtete gruppi, puuduvad emaettevõte ja/või seotud ettevõtted Eestis või välisriigis) Kindlustusvõtja: Eesti Äriregistrisse kantud ettevõtja Kindlustatav risk: ostja maksejõuetus tulenevalt kommerts- või poliitilisest riskist Ostjad: juriidilised isikud väljaspool Eestit Ostja asukohariik: kõik riigid, välja arvatud Eesti Ostjatele võimaldatav maksetähtaeg: maksimaalselt 180 päeva Kindlustuskaitse üldjuhul 85% Kindlustuslepinguga seonduvad kulud: taotluse tasu ja kindlustuspreemia

  • Kuidas kindlustust taotleda?

    Arvuta meie kodulehe kalkulaatoris taotluse tasu ning eeldatava kindlustusmakse suurus Täida taotluse andmeväljad Maksa taotluse tasu ja esita taotlus KredEx Krediidikindlustus teostab ostja finantsandmete analüüsi ja taustauuringu KredEx Krediidikindlustus saadab poliisi pakkumise. Kindlustuskaitse hakkab kehtima peale kindlustusmakse laekumist.

  • Eksporditehingu kindlustuse taotlemine tabel

    1 Arvuta kalkulaatoris taotluse tasu ning eeldatava kindlustusmakse suurus 2 Täida taotlus 3 Maksa taotluse tasu 5 Poliisi pakkumine 4 Finantsandmete analüüs

  • Väikeelamute energiatõhususe suurendamise toetamise toetus

    Käesoleva meetmega toetab riik väikeelamute omanikke energiatõhususe suurendamisele suunatud rekonstrueerimistööde kulude katmisel.   Meetme eesmärgiks on kulude osalise riikliku toetamise abil aidata kaasa väikeelamute energiatõhususe suurendamisele läbi kvaliteetse ja jätkusuutliku eluasemefondi loomise ning energiatarbimise vähendamise.    

  • Kontakt

    Palun tutvuge väikeelamute energiatõhususe suurendamisetoetamise toetuse tingimustega ja vajadusel konsulteerige meie kliendihalduritega.

  • Aruandlus

    Toetuse saaja on kohustatud esitama KredExile väikeelamu rekonstrueerimise lõppemisele järgneva kalendriaasta mõõdetud tarbimisandmete baasil koostatud elamu energiamärgise hiljemalt ühe kuu möödudes asjakohase kalendriaasta lõppemisest. Toetuse saaja esitab energiamärgise KredExile või tema poolt volitatud isikule elektrooniliselt digitaalallkirjaga allkirjastatult või paberkandjal omakäeliselt allkirjastatult.  

  • Aruandlus

    Toetus on mõeldud füüsilistest isikutest väikeelamute omanikele, kes soovivad oma väikeelamu energiatõhusamaks muuta. Toetuse objektiks saab olla üksikelamu, ridaelamu või kaksikelamu sektsioon, kahe korteriga elamu või ridaelamu, samuti suvila või aiamaja, mis rekonstrueeritakse käesoleva toetuse abil aastaringseks kasutamiseks ning mille kasutamise otstarve muudetakse ehitisregistris tööde lõppemisel üksikelamuks. Toetuse saamise eelduseks on, et taotleja väikeelamu on ehitatud  õiguslikul alusel ja kantud ehitisregistrisse, samuti peab ehitisregistrisse olema märgitud ehitise esmase kasutuselevõtmise aasta.  Toetatakse abikõlblike tegevuste elluviimist enne 1993. aastat ehitatud ja kasutusse võetud väikeelamutes.

  • Aruandlus

    1) fassaadi, sokli või vundamendi soojustamisega seotud kulu; 2) katuse, katuslae või pööningulae soojustamisega seotud kulu; 3) välisakende ja -uste vahetamisega seotud kulu; 4) esimese korruse põranda või kütmata ruumi kohal asetseva põranda soojustamisega seotud kulu; 5) küttesüsteemi asendamise või rekonstrueerimisega seotud kulu, sealhulgas soojatootmisseadme paigaldamine, korstna ja ühenduslõõri ehitamine ja paigaldamine ning katelde ja nende lisatarvikute ja abiseadmete vahetamine; 6) ventilatsioonisüsteemi rajamise või asendamise või ventilatsioonisüsteemi rekonstrueerimisega seotud kulu; 7) taastuvenergia tootmisseadme koos energia muundamiseks ja energiatoodangu salvestamiseks vajalike seadmetega soetamise (elektritootmisseadmete paigaldamisel võrguühendusega mitteliitumisel koos akupangaga) ja nende paigaldamisega seotud kulu; 8) energiamärgise koostamisega seotud kulu; 9) õhk-vesi tüüpi soojuspumpade, mille soojustegur (COP) kütmisel on vähemalt 3,5 (7°C/35°C EN 14511), või vesi-vesi (maasoojuspump) tüüpi soojuspumpade, mille süsteemi soojustegur (COP) kütmisel on vähemalt 4,0 (0°C/35°C EN 14511), paigaldamisega seotud kulu; 10) soojustamisega või tehnosüsteemide asendamisega seotud muud otsest energiasäästu tagavate tööde, mis on projektis soovituslikena välja toodud, kulu; 11) rekonstrueerimiseks vajalike ehitustoodete ja ehitusmaterjalide soetamise kulu; 12) rekonstrueerimistööde või taastuvenergiaallikaid kasutavate seadmete paigaldamise projekteerimise ja omanikujärelevalvega seotud kulu. Omanikujärelevalve kulud on abikõlblikud, kui rekonstrueerimistööde tegemiseks on taotleja sõlminud vastava lepingu omanikujärelevalve tegevusalal tegutseva ettevõtjaga, kellel on vastavasisuline õigussuhe ehitusseadustiku §-s 23 sätestatud pädeva isikuga või kui omanikujärelevalve teenust pakkuv füüsilisest isikust ettevõtja on ise pädev isik. Omanikujärelevalvet peab tegema eelnimetatud pädev isik, kes on märgitud majandustegevuse registris vastava ettevõtja pädevaks isikuks omanikujärelevalve tegevusala alaliigil; 13) rekonstrueerimistööde teostamisel siseviimistluse taastamisega seotud kulu, kuid mitte rohkem kui 10% rekonstrueerimistööde maksumusest. Toetuse määr on kuni 30% toetatavate tegevustega seotud abikõlblikest kuludest. Maksimaalne võimalik toetussumma on 15 000 eurot väikeelamu kohta. Ülejäänud maksumuse peab tagama taotleja omafinantseeringuna. Meede on avatud alates 14. november 2016 ja toetust eraldatakse jooksvalt kuni meetme eelarveliste vahendite ammendumiseni.

  • Aruandlus

    Toetuse taotleja peab olema kinnistusraamatusse kantud kinnisasja füüsilisest isikust omanik, ühis- või kaasomandis olevate kinnisasjade puhul üks füüsilistest isikutest omanikest volitatud esindajana või olema füüsiline isik, kelle kasuks on seatud hoonestusõigus. Toetuse taotleja väikeelamu võib olla ka ridaelamu või kaksikelamu sektsioon, millel on oma katus ja eraldi sissepääs maapinnalt. Rida- ja kaksikelamute puhul, mille piirdekonstruktsioonid on ühised ja mis kuuluvad kaasomandisse, peavad piirdekonstruktsioonide rekonstrueerimise puhul, välja arvatud akende vahetamine kaasomanikud esitama taotluse ühiselt. Toetuse taotleja rahvastikuregistrisse kantud alaliseelukoha aadress peab toetuse taotluse   esitamisel ühtima toetuse abil rekonstrueeritava väikeelamu, välja arvatud suvila ja aiamaja, aadressiga. Toetuse saamisel peab toetuse saaja finantseerima vähemalt 70% toetatavate tegevustega seotud abikõlblikest kuludest. Taotlust ei või esitada taotlejad, kes on eelneva viie aasta jooksul rikkunud KredExiga sõlmitud lepingu tingimusi või on jätnud KredExi ees täitmata mõnest teisest lepingust tulenevad kohustused, sealhulgas ei ole eraldatud toetust sihipäraselt kasutanud. Toetuse saaja peab tagama meetme eesmärgile vastava vara säilimise ja sihtotstarbelise kasutamise vähemalt viie aasta jooksul abikõlblikkuse perioodi lõppemisest arvates. Toetuse saaja peab kindlustama väikeelamu vähemalt viiel järjestikusel aastal alates toetuse taotluse rahuldamise otsusest. Toetuse saaja peab säilitama taotluse, toetuse ja tööde teostamisega seonduvat dokumentatsiooni vähemalt  7 aastat alates toetuse väljamaksmisest. Toetuse saaja peab tagama, et väikeelamu võõrandamisel lähevad toetuse saaja kohustused edasi uuele omanikule, vastasel juhul kuulub toetus proportsionaalselt väikeelamu mittekasutamise ajale tagasimaksmisele.

  • Aruandlus

    Toetatavate tööde teostamiseks on taotleja kohustatud järgima tööde teostamisele seatud nõudeid vähemalt alltoodud nõuete ulatuses: soojustama välisseinad soojusläbivusega U ≤ 0,20 (W/m2K), koos välisseinaga soojustava sokli või vundamendi osas soojusläbivuse nõue ei rakendu; soojustama katuse, katuslae või pööningulae soojusläbivusega U ≤ 0,12 (W/m2K); vahetama välisaknad akende vastu soojusläbivusega U ≤ 1,10 (W/m2K) (vähemalt kolmekordne klaaspakett); esimese korruse põranda või kütmata ruumi kohal asetseva põranda soojusläbivus peab olema U ≤ 0,25 (W/m2K); toetuse andmise  raames paigaldatava kütteseadme minimaalsed kasutegurid (alumise kütteväärtuse alusel) peavad olema halupuukatlal 0,80, pelletkatlal 0,85 ja gaasikatlal 0,95 (kondensaatkatel); õhk-vesi tüüpi soojuspumba soojustegur (COP) peab kütmisel olema vähemalt 3,5 (7°C/35°C EN 14511) ja vesi-vesi (maasoojuspump) tüüpi soojuspumpade süsteemi soojustegur (COP) vähemalt 4,0 (0°C/35°C EN 14511); tsentraalse küttesüsteemi puhul peab süsteem olema ruumide põhiselt reguleeritav, radiaatoritele ja põrandakütte kontuuridele tuleb paigaldada termostaatventiilid; soojustagastusega ventilatsiooniagregaadi temperatuuri suhtarv (kasutegur) peab olema vähemalt 0,80; välisseina soojustamisel ja akende vahetamisel peab taotleja paigaldama elu- ja magamistubade välisseina või aknaraami ka värskeõhuklapid, mille õhuvoolu läbilaskevõime ühe toa kohta on vähemalt 10 l/s. Toetuse taotleja peab rekonstrueerimistööde teostamiseks või taastuvenergiaallikaid kasutavate seadmete soetamiseks ja paigaldamiseks võtma valdkonnas tegutsevatelt ettevõtetelt iga rekonstrueerimistöö või seadme kohta vähemalt kolm pakkumist, välja arvatud juhul, kui taotleja teostab rekonstrueerimistööd ise. Kui toetuse taotleja tellib mitu või kõik tööd ühelt pakkujalt, võtab toetuse taotleja pakkumised vastavale rekonstrueerimistööde kogumile. Kui toetuse taotleja ei vali odavaimat pakkumist või juhul, kui toetuse taotlejast mitteolenevatel põhjustel ei ole võimalik võtta kolme pakkumist, peab toetuse taotleja põhjendama oma valikut või pakkumiste võtmata jätmist kirjalikult taotluse vormil.Taastuvenergia tootmisseadme paigaldamisel ja akupanga paigaldamisel peab müüja tagama vähemalt viie aasta pikkuse tootjagarantii kõigile komponentidele ja paigaldaja vähemalt viie aasta pikkuse garantii paigaldamistöödele. Taastuvenergia elektritootmisseadme avaliku võrguga ühendamiseks on vajalik võrguettevõtja poolt väljastatud liitumispakkumine. Elektritootmisseadmete abikõlblikkuse hindamise kriteeriumiteks on kuni 11 kW tootmisseadmete vastavus Eesti standarditest (sh EVS-EN 50438:2008) ning võrgueeskirjast tulenevatele nõuetele. Taastuvenergiaallikaid kasutava kütteseadme soetamisel peab müüja tagama vähemalt kahe aasta pikkuse tootjagarantii kõigile komponentidele ja paigaldamisel peab paigaldaja tagama vähemalt kahe aasta pikkuse garantii paigaldamistöödele. Juhul kui tegemist on väljaspool Euroopa majanduspiirkonda asuva tootja toodetud seadmega, siis peab sellel olema CE sertifikaat ja vähemalt kaheaastane tootjagarantii. Käesolevaga ei toetata ärieesmärkide saavutamisele suunatud tegevusi, mille eesmärgiks on eluruumina kasutusel oleva väikeelamu edaspidine kasutusele võrmine mitteeluruumina.

  • Aruandlus

    Dokumendid Taotlus (dokumendi avamiseks vajalik vähemalt Adobe Reader versioon 11, programmi allalaadimiseks vajuta siia) ehitusseadustiku kohane ehitusprojekt ja ehitusteatis, välja arvatud juhul, kui vastav informatsioon on kantud ehitisregistrisse; taastuvenergiaallikaid kasutavate seadmete paigaldamise projekt või tehniline kirjeldus; projekteerija  antud hinnang taastuvenergiaallikaid kasutavate seadmete eeldatava aastase energiatoodangu kohta; väikeelamu mõõdetud energiatarbimisel põhinev energiamärgis; rekonstrueerimistööde ja taastuvenergiaallikaid kasutavate seadmete soetamise ja paigaldamise hinnapakkumised (vähemalt 3 võrdlevat); omafinantseeringu olemasolu tõendav dokument (kas laenuotsuse koopia või panga kontojäägi väljavõte, mis kinnitab vajaliku omafinantseeringu olemasolu); paigaldatavate seadmete tootespetsifikatsioonid; vajadusel kohaliku jaotusvõrguettevõtja poolt väljastatud liitumispakkumine. Võrguettevõtja liitumispakkumine ei ole nõutav, kui taastuvenergia toomisseade paigaldatakse piirkonnas, kus jaotusvõrk puudub. Lisamaterjalid „Väikeelamute energiatõhususe suurendamise  toetuse andmise tingimused“

  • Kuidas taotlemine käib?

    1 Tellige  mõõdetud tarbimisandmete baasil koostatud elamu energiamärgis 2 Esitage toetuse taotlus koos lisadokumentidega 3 KredEx teeb toetuse otsuse 6 Väljamakse pärast tööde vastuvõtmist 5 Esitage ehitusseadustiku kohane ehitise kasutusluba või kasutusteatis 4 Teostage tööd pärast positiivse otsuse saamist 7 Esitage uus mõõdetud tarbimisandmete baasil koostatud elamu energiamärgis

  • Väikeelamute rekonstrueerimistoetus

    Taotlusvoor on avatud! Meede on avatud alates 14. november 2016 ja toetust eraldatakse jooksvalt kuni meetme eelarveliste vahendite ammendumiseni. Toetuse määr on kuni 30% toetatavate tegevustega seotud abikõlblikest kuludest. Maksimaalne võimalik toetussumma on 15 000 eurot väikeelamu kohta. Ülejäänud maksumuse peab tagama taotleja omafinantseeringuna. Toetatakse abikõlblike tegevuste elluviimist enne 1993. aastat ehitatud ja kasutusse võetud väikeelamutes, mis peab olema ka   taotleja rahvastikuregistrijärgne elukoht. Palun tutvuge toetuse põhitingimustega siin.

  • Kellele on väikeelamute energiatõhususe suurendamise toetus mõeldud?

    Toetus on mõeldud füüsilistest isikutest väikeelamute omanikele, kes soovivad oma väikeelamu energiatõhusamaks muuta. Toetuse objektiks saab olla üksikelamu, ridaelamu või kaksikelamu sektsioon, kahe korteriga elamu või ridaelamu, samuti suvila või aiamaja, mis rekonstrueeritakse käesoleva toetuse abil aastaringseks kasutamiseks ning mille kasutamise otstarve muudetakse ehitisregistris tööde lõppemisel üksikelamuks. Toetuse saamise eelduseks on, et taotleja väikeelamu on ehitatud  õiguslikul alusel ja kantud ehitisregistrisse, samuti peab ehitisregistrisse olema märgitud ehitise esmase kasutuselevõtmise aasta.  Toetatakse abikõlblike tegevuste elluviimist enne 1993. aastat ehitatud ja kasutusse võetud väikeelamutes. 

  • Mis on hoone energiamärgis ja kes seda väljastavad?

    Infot energiamärgise ja selle väljastamise kohta leiate siit. Väikeelamutele väljastavad energiamärgist vastavad spetsialistid ja energiaaudiitorid. Täpsemad nimekirjad koos kontaktidega leiate siit.  NB! Kontaktide nägemiseks palun vajutage lingi avanedes kas kastile "Energiaaudiitorid" või "Energiamärgise väljastajad".

  • Marily Hendrikson

    Project manager in the cyber defence field

    +372 667 4100

  • Aire Oolup

    Client Manager

    +372 667 4120

  • Helin Tamm

    Coordinator of external assistance

    +372 667 4112

  • Lisel Kaup

    Secretary

    +372 667 4100

  • Riina Johanson

    Assistant

    +372 667 4100

  • Kadi-Ingrid Lilles

    Community and communications manager

    +372 667 4100

  • Rivo Riistop

    Project manager for surveillance and training programmes

    +372 667 4100

  • Mari Vavulski

    Head of Startup Estonia

    +372 667 4100

  • Kairi Ehrpas

    Client Manager

    +372 667 4105

  • Jarmo Liiver

    Head of the Division

    +372 667 4102

  • Raivo Rand

    Member of the Supervisory Board, Chairman of the management board of the Association of Construction Entrepreneurs

  • Katrin Rasmann

    Member of the Supervisory Board, Member of the board at The North Estonia Medical Centre

  • Anneli Liinat

    Client Manager

    +372 667 9087

  • Eve Pikkar

    Registar

    +372 667 4119

  • Ingrid Ajangu

    Legal Consultant

    +372 667 4142

  • Margit Lauri

    Analyst

    +372 667 4133

  • Aire Metsaluik

    Client Manager

    +372 667 4108

  • Kairi Vaade-Kuusemets

    Client Manager

  • Maarit Arro

    Legal Counsel

    +372 667 4118

  • Rokas Gylys

    Actuar

    +372 667 4100

  • Merike Saks

    Chairman of the Supervisory Board, Secretary General of the Ministry of Economic Affairs and Communications

  • Rita Noormägi

    Office Manager

    +372 667 4126

  • Marge Kato

    Marketing Manager

    +372 667 4117

  • Gerli Peetsalu

    Secretary (On maternity leave)

  • Indrek Puhm

    Legal Consultant

    +372 667 4129

  • Anto Viigi

    Chief Risk Officer

    +372 667 4131

  • Mari Vester

    Risk Manager

    +372 667 4134

  • Helen Kapp

    Head of the Department

    +372 667 4124

  • Maret Paeste

    Chief Accountant

    +372 667 4121

  • Kalmer Halliko

    IT Development Project Manager

    +372 667 4115

  • Raina Toomvap

    Accountant

    +372 667 4123

  • Mariko Rukholm

    Member of the Board

    +372 667 4139

  • Meelis Tambla

    CEO

    +372 667 4138

  • Indrek Läte

    Senior Underwriter

    +372 667 4137

  • Ave Sullin

    Senior Underwriter

    +372 667 4136

  • Gert Veerpalu

    Client Manager

    (+372) 667 4135

  • Külli Saarepera

    Client Manager

    (+372) 667 9086

  • Kristo Hütt

    Client Manager

    (+372) 667 4113

  • Triin Reinsalu

    Head of the housing and energy efficiency division

    +372 667 4100

  • Anu Holmberg

    Client Manager

    (+372) 667 4110

  • Kersti Saar

    Client Manager

    (+372) 667 4109

  • Lauri Suu

    Client Manager

    (+372) 667 4111

  • Kaimo Kalda

    Client Manager

    (+372) 667 4143

  • Heikki Parve

    Energy Efficiency Project Manager

    +372 667 4114

  • Kalle Kuusk

    Buildings\' energy efficiency project manager

    +372 667 4140

  • Karit Freienthal

    Loan Administrator (On maternity leave)

  • Sandra Saulep

    Loan Administrator

    +372 667 4145

  • Natalja Pauku

    Client Manager

    (+372) 667 4106

  • Mihhail Knut

    Client Manager

    (+372) 667 4103

  • Jaak Tikko

    Client Manager

    (+372) 667 4107

  • Katrin Rudi

    Client Manager (On maternity leave)

  • Lehar Kütt

    Ettevõtlusdivisjoni juht

    (+372) 667 4102

  • Joonas Kerge

    Communication Specialist

    +372 667 4116

  • 2017-09-01 09:51:00

    From 1 November, local municipalities can apply for grants for building rental houses

    Starting from November, local municipalities that are interested in the development of their housing stock can apply for a grant for this purpose from KredEx. In total, the state is going to provide more than 60...

  • 2017-08-10 12:33:00

    Entrepreneurs looking for new opportunities to expand

    In the first half of the year, KredEx received 309 new guarantee applications and 260 new contracts were concluded. Over a period of six months, enterprises received EUR 62.8 million of extra financing with the aid of...

  • 2017-07-06 15:25:00

    State investment company SmartCap will continue as a subsidiary of KredEx

    Eesti Arengufond (Estonian Development Fund), Ministry of Economic Affairs and Communications and KredEx signed an agreement by which the Estonian Development Fund transferred the shares of SmartCap, the subsidiary...

  • 2017-06-08 09:16:00

    Foundation KredEx will end the provision of ELMO rental service from 10 July 2017

    Due to the procurement contracts ending and the initial goals being achieved, Foundation KredEx will discontinue the provision of ELMO short-term rental service from 10 July 2017. Estonia is one of the global...

  • 2017-05-04 09:35:00

    BaltCap in the process of establishing a new growth fund to invest in small and medium enterprises

    Tallinn, 4 May 2017 - BaltCap has secured commitments to establish a new regional fund to provide growth capital across the Baltic region for small and medium-sized (SME) companies. The new fund would target both...

  • 2017-04-20 08:31:00

    KredEx grew its operating volumes and earned EUR 1.2 million in profit

    According to the 2016 annual report approved by the Supervisory Board of KredEx, KredEx earned a profit of EUR 1.2 million last year. Thanks to KredEx, the funding opportunities of 706 enterprises and the living...

  • 2017-02-22 14:13:00

    Accelerators

    Startup Estonia wishes to give a boost to start-ups with global potential, created in Estonia. Their modest goal is to make Estonia one of the best places in the world to create your start-up. To do so, it is...

  • 2017-02-22 14:06:00

    Startup Estonia

    Startup Estonia wishes to give a boost to start-ups with global potential, created in Estonia. Their modest goal is to make Estonia one of the best places in the world to create a start-up. To do so, it is necessary...

  • 2017-01-18 11:38:00

    Record-breaking volumes of KredEx enterprise guarantees

    Last year, KredEx received 654 new guarantee applications; 494 new agreements were concluded, making it possible for Estonian enterprises to include additional financing of EUR 164.3 million. Compared to last year,...

  • 2017-01-16 11:43:00

    Home grant awarded to 358 large families

    Last year, 358 families raising three or more children received a home grant from KredEx—there are 1256 children growing in these families. The total sum of the grants allocated last year was EUR 3.2 million....

  • 2016-12-28 12:51:00

     The export loan is financed from the European Regional Fund.

  • 2016-12-28 12:50:00

    The capital loan is financed from the European Regional Fund.

  • 2016-12-28 12:49:00

    The technology loan is financed from the European Regional Fund.

  • 2016-10-21 09:32:00

    KredEx to start issuing grants for the reconstruction of small residential buildings

    From 14 November, reconstruction grants for increasing the energy efficiency of small residential buildings may be sought from KredEx. This year, EUR 1.35 million has been allocated for it from the state budget. These...

  • 2016-10-17 11:23:00

    Entrepreneurs and creditors gather to discuss the opportunities and challenges of financing exports

    Taking place for the third year in a row is the Estonian Export Financing Conference. The conference, to be held in Tallinn on 19 October, will address the current state of Estonian exports and the financing thereof,...

  • 2016-09-23 13:33:00

    Frequently asked questions

    How does the guarantee work? The guarantee is intended to reduce the self-financing required by banks to 10%. If the bank’s required self-financing is 20%, then KredEx will guarantee 10%, and 10% is self-financed by...

  • 2016-08-05 11:08:00

    Volume of housing loan guarantees by KredEx has increased by one-third

    In the first six months of this year, 1280 agreements in the total sum of EUR 84.3 million were concluded to purchase a home with a housing loan guarantee from KredEx. Year–on–year, the number of agreements has...

  • 2016-07-28 09:30:00

    The volume of operations of KredEx Credit Insurance grew by EUR 17 million

    In the first six months of this year, AS KredEx Credit Insurance insured the risks of Estonian business operators in 62 countries, with the volume of insured companies’ invoices growing to EUR 229 million, an...

  • 2016-07-26 09:26:00

    Baltic state export insurers stepping up collaboration

    At their meeting held in Riga on 22 July, the Baltic state export insurers KredEx Krediidikindlustus (Estonia), Altum (Latvia) and Invega (Lithuania) decided to boost their collaboration in order to provide the...

  • 2016-07-14 13:02:00

    Record-breaking number of guarantee applications

    Year’s worth of investments in half a year.In Q2 KredEx received 170 new guarantee applications from enterprises and concluded 156 new contracts with the total sum of 30 million euros guaranteed. This is an...

  • 2016-07-11 15:13:00

    Additional information on the insuring of temporarily non-marketable risks

    By decision of the European Commission of 20 June 2016, the plan of AS KredEx Krediidikindlustus to secure short-term export transactions, i.e. those with payment terms under two years, to EU or OECD countries of...

  • 2016-07-11 15:11:00

    Additional information

    Additional information on the insuring of temporarily non-marketable risks

  • 2016-06-30 14:35:00

    Startup Estonia continues its operations at KredEx

    Starting from 1 July, Startup Estonia, the support unit of Estonian start-ups — which had previously functioned under Arengufond — will continue its operations at KredEx. The aim of the merger is to improve...

  • 2016-06-30 08:39:00

    Competition to find fund managers for EstFund has begun

    Yesterday, the European Investment Fund announced the competition to find fund managers for the sub-funds created under the fund of funds of private and public capital, in which the Estonian state operates as a...

  • 2016-06-17 12:00:00

    Startup Estonia has opened a call for a cooperation program for startups and medium and large enterprises

    Startup Estonia has opened a call for a cooperation program for startups and medium and large enterprises and is waiting for partners offers by the 30th of August this year. The aim of the tender is to enhance the...

  • 2016-05-25 11:53:00

    Home grant being applied for by 1154 families

    According to the preliminary data, 1154 families submitted an application to KredEx to receive the home grant in the total amount of EUR 10.1 million. The average grant amount is EUR 7150 and there are a total of 3934...

  • 2016-05-17 11:03:00

    KredEx, Startup Estonia, and SmartCap announced procurement for accelerators

    The purpose of the recently announced procurement is to find accelerator funds, which would offer early phase venture capital to start-ups and accelerator programme that supports their development. In total EUR 11.2...

  • 2016-05-12 08:26:00

    Harju County Court ruled in favour of KredEx in a dispute over the cancellation of an insurance contract

    Harju County Court ruled in favour of KredEx in the court proceedings between KredEx Krediidikindlustus and Windoor, and did not satisfy the claim for an insurance benefit of EUR 13.8 million.The court sided with the...

  • 2016-05-10 08:24:00

    Risk portfolio of KredEx Krediidikindlustus grows to EUR 230 million

    Last year, Estonian entrepreneurs insured their sales turnover through KredEx Krediidikindlustus in 60 countries and in an amount totalling nearly EUR 500 million. The risk portfolio of KredEx Krediidikindlustus grew...

  • 2016-05-03 15:27:00

    KredEx guaranteed 524 housing loans in the first quarter

    In the first quarter, banks issued 524 housing loans with KredEx guarantees, totalling EUR 32.5 million. The volume of housing loans granted with a KredEx guarantee accounted for an average of 16.2% (13.6% in Q1 2015)...

  • 2016-04-27 15:25:00

    KredEx earned a profit of EUR 1 million

    According to the annual report approved by the Supervisory Board of KredEx, Foundation KredEx earned a profit of EUR 1 million last year. “2015 was a successful year for KredEx in terms of operational volumes and...

  • 2016-04-26 15:23:00

    Record number of guarantee applications reflects the investment will of entrepreneurs

    In the first quarter, KredEx received 68% more guarantee applications through banks than compared to the same period last year. This is an all-time record – in first three months of the year, applications totalling...

  • 2016-04-20 12:05:00

    EstFund

    EstFund is a fund of funds created by Estonia and the European Investment Fund with a purpose to increase venture capital investments mainly into Estonian SMEs. The Estonian state invests 48 million euros of European...

  • 2016-04-13 15:22:00

    KredEx Krediidikindlustus indemnified EUR 1.8 million in losses

    Last year KredEx Krediidikindlustus indemnified 21 loss events to Estonian companies in the total amount of EUR 1.8 million. The biggest losses were related to insolvency of Estonian and Ukrainian companies.Out of the...

  • 2016-03-03 08:53:00

    With support from KredEx, living conditions have improved for 85,000 families

    Foundation KredEx is celebrating its fifteenth anniversary today. Entrepreneurs have received EUR 1.2 billion in financing thanks to KredEx, and living conditions have improved for 85,000 families with support from...

  • 2016-03-01 13:21:00

    EIF and KredEx launch EUR 60m EstFund

    New Fund of Funds initiative will enable greater access to equity financing for high growth Estonian SMEsThe European Investment Fund (EIF), KredEx and the Estonian Ministry of Economic Affairs and Communications...

  • 2016-02-18 13:59:00

    Risk portfolio of KredEx Credit Insurance grows to EUR 230 million

    Last year, AS KredEx Credit Insurance insured the risks of Estonian business operators in 60 countries, with the value of invoices insured by companies up more than 17% year on year.The risk portfolio of KredEx Credit...

  • 2016-02-11 15:55:00

    Loan guarantees by KredEx enable purchases of energy-efficient housing

    The Government of the Republic has approved a draft legislation under which KredEx will begin to issue housing loan guarantees also for purchases of energy-efficient housing and for the reconstruction of housing to be...

  • 2016-02-09 10:34:00

    KredEx provides grants for the demolition of 31 obsolete residential buildings

    Last year, KredEx provided EUR 393,000 in grants for the demolition of 31 obsolete residential buildings. Applications in the total amount of EUR 440,000 were submitted for the demolition of 33 residential...

  • 2016-01-28 11:26:00

    KredEx improves corporate financing options

    The state financing institution KredEx is changing their loan guarantee, start-up loan and credit insurance conditions to improve the financing options of start-ups and small and medium-sized enterprises.The maximum...

  • 2015-12-30 08:07:00

    Woodhouse producers awarded the export deed title

    Estonian woodhouse producers, having grown their export volumes significantly and expanded to new markets, were awarded the title of export deed of the year by KredEx Krediidikindlustus. Today Meelis Tambla, Chairman...

  • 2015-12-21 10:30:00

    COSME

    With its co-guarantees, the European programme for the Competitiveness of Enterprises and Small and Medium-sized Enterprises (COSME) helps KredEx to guarantee risk-taking projects and, thereby, to provide SMEs with...

  • 2015-12-18 14:55:00

    Investment Plan for Europe: EIF and KredEx sign COSME agreement to support EUR 200 million of loans to SMEs in Estonia

    The European Investment Fund (EIF) and KredEx have signed the COSME agreement in Estonia, benefiting from the support of the European Fund for Strategic Investments (EFSI), the heart of the Investment Plan for...

  • 2015-11-05 08:35:00

    On average, one in ten housing loans is issued with a KredEx guarantee

    In the third quarter, banks issued 528 housing loans with KredEx guarantees, totalling EUR 30.7 million. Whilst the housing loan market has grown 10.5% compared to the same period last year, the volume of loans...

  • 2015-11-03 14:19:00

    The volume of operations of KredEx Credit Insurance grew by EUR 44 million

    In the first nine months of this year, AS KredEx Credit Insurance insured the risks of Estonian business operators in 65 countries, with the volume of insured companies’ invoices growing to EUR 223 million and...

  • 2015-10-30 09:42:00

    KredEx Credit Insurance started cooperation with the new working capital financing platform Inwise

    KredEx Credit Insurance Ltd. and Inwise OÜ signed a cooperation contract, which provides companies better access to the alternative financing of working capital through the factoring platform of Inwise. Inwise OÜ...

  • 2015-10-26 11:33:00

    KredEx inviting students on career exploration tours

    KredEx is taking young people on career exploration tours to familiarise them with employers in their area. On career exploration tours, students in Years 9 to 12 will be visiting companies in eight counties.Jarmo...

  • 2015-10-21 14:26:00

    82 million EUR invested by undertakings with the help of KredEx guarantees

    In the first nine months of the current year, KredEx provided guarantees for financial obligations of 270 enterprises in the total sum of EUR 47 million. Support from KredEx enabled companies to secure additional...

  • 2015-08-19 14:44:00

    Home grant is applied for by 525 families with many children

    To receive the home grant, allocated by KredEx, 525 families submitted their application in the total amount of 3.8 million euros. The average grant amount being applied for is 5769 euros. The state-provided...

  • 2015-08-17 16:11:00

    Survey: undertakings expect an increase in export volumes in the coming years

    The survey conducted by AS KredEx Krediidikindlustus among Estonian companies engaged in exporting has shown that the undertakings expect export volumes to increase notably in the coming years. A total of 42% of the...

  • 2015-08-04 15:34:00

    The volume of housing loans with KredEx guarantee increased by 29%

    In the second quarter banks issued 540 housing loans with a KredEx guarantee totalling 32.1 million euros. Whilst the housing loan market has grown 22.77% compared to the same period last year, the volume of loans...

  • 2015-07-27 11:55:00

    The volume of operations of KredEx Credit Insurance grew by 11 million euros

    In the first six months of this year, AS KredEx Credit Insurance insured the risks of Estonian business operators in 63 countries, with the volume of insured companies’ invoices growing to 207 million euros. In...

  • 2015-07-23 15:56:00

    Survey: 80% of businesses have encountered problems related to unpaid invoices

    A survey of Estonian exporting companies conducted by AS KredEx Krediidikindlustus has shown that 25% of businesses believe that risks related to unpaid invoices will increase this year. The survey revealed that 67%...

  • 2015-07-17 09:18:00

    EUR 53 million invested by undertakings with the help of KredEx guarantees

    In the first six months of the current year, KredEx provided sureties for the financial obligations of 187 enterprises in the total sum of EUR 30 million. Support from KredEx enabled companies to attract additional...

  • 2015-05-25 10:56:00

    KredEx provided sureties for 409 home loans in first quarter

    In the first quarter, banks issued 409 home loans with sureties from KredEx, in the total amount of EUR 24.3 million. Of all home loans issued in Estonia, the volume of home loans issued with sureties from KredEx...

  • 2015-04-24 15:40:00

    Lehar Kütt to become head of KredEx

    On 22 April, the Supervisory Board of KredEx approved the proposal to appoint Lehar Kütt as the Chief Executive Officer of the foundation. Kütt will assume his position as the Chief Executive Officer of KredEx at...

  • 2015-04-22 15:21:00

    KredEx earned a profit of EUR 1.2 million

    According to the annual report approved by the Supervisory Board of KredEx today, KredEx earned a profit of EUR 1.2 million last year (EUR 900,000 in 2013). In 2014, the volume of KredEx loan guarantees increased....

  • 2015-03-26 09:59:00

    Apartment associations to once again receive grants to reconstruct buildings

    On Friday, 27 March, the regulation on the grants for reconstruction of apartment buildings will enter into force, and apartment associations and local governments will have the possibility to receive more support...

  • 2015-03-09 11:56:00

    Andrus Treier, long-time CEO of KredEx, is resigning

    Andrus Treier, who has worked at KredEx since 2003, will be resigning his position at the end of April, at his own request “Twelve and half years is a long time, which has included periods of economic boom as well...

  • 2015-03-03 09:45:00

    Risk portfolio of KredEx Credit Insurance grows to 196 million euros

    Last year, AS KredEx Credit Insurance insured the risks of Estonian business operators in 64 countries, with the value of invoices insured by companies up more than 25% year on year. The risk portfolio of KredEx...

  • 2015-02-25 13:41:00

    Volume of KredEx enterprise loan guarantees increased by 30%

    KredEx guaranteed and financed 422 enterprises in the total amount of 73 million euros in 2014. In addition, valid guarantee agreements of 207 companies were amended. The support of KredEx made it possible for...

  • 2015-02-17 09:25:00

    KredEx to begin offering capital loans to companies under more favourable conditions

    KredEx is offering a capital loan to entrepreneurs, targeted towards growth companies whose business model has proven to be successful and who are planning on investing in development and increasing their operational...

  • 2015-02-09 10:39:00

    Sub-funds of the Baltic Innovation Fund

    Under the BIF, the following fund managers, who are investing or starting investment operations, have received an investment decision:BaltCap is the leading private equity and venture capital firm in the Baltic...

  • 2015-02-06 14:50:00

    Baltic Innovation Fund

    The Baltic Innovation Fund is a fund of funds created by Estonia, Latvia and Lithuania and the European Investment Fund (EIF) with a purpose to increase equity investments into the enterprises of the Baltic States....

  • 2015-02-06 14:49:00

    a

    In order to help Estonian start-up companies and well-established and fast-growing companies expand and finance their growth here, KredEx provides venture capital through funds of funds. The activity is aimed at...

  • 2015-02-05 14:48:00

    KredEx to allocate grants to municipalities for demolition of buildings

    The Minister of Economic Affairs and Infrastructure, Urve Palo, signed the terms and conditions of grant allocation, according to which municipalities can apply for support from the state for the demolition of...

  • 2015-01-28 13:45:00

    The volume of housing loans with KredEx guarantee increased by 25.7%

    Last year the banks issued 1,974 housing loans with a KredEx guarantee totalling 115.5 million euros. Whilst the housing loan market has grown 19.43% compared to the same period last year, the volume of loans granted...

  • 2014-12-02 16:28:00

    On 18 December, KredEx will open submission of grant applications for renovating the heating systems of small houses

    On Thursday, 18 December, KredEx will open submission of grant applications for renovating the heating systems of small houses Applications submitted or postmarked earlier will not be accepted.Applications will only...

  • 2014-11-19 16:27:00

    Title of “Export Deed of the Year” awarded to E-Piim

    Tonight, at the formal gala organised by FinanceEstonia at the Energy Discovery Centre, AS KredEx Krediidikindlustus awarded E-Piim with the title “Export Deed of the Year”.“In the present complex situation,...

  • 2014-11-10 16:54:00

    EUR 92 million invested by undertakings with the help of KredEx

    In the first ten months of the current year, KredEx provided sureties for the financial obligations of 334 enterprises in the total sum of EUR 56 million.The volume of sureties issued by KredEx is 20% higher than in...

  • 2014-09-05 10:47:00

    EUR 4.5 million saved with the reconstruction grants for apartement buildings

    An analysis of the condition of the housing stock and the effect of the reconstruction grants, conducted by KredEx, showed that with the help of KredEX’ reconstruction grants, apartment associations have invested a...

  • 2014-08-06 15:30:00

    Grant for purchase of electric cars proved popular, admission period for applications ends on 07 August

    Interest by the buyers of electric cars towards the purchase grant provided within the framework of the Estonian Electromobility Programme has significantly increased over the past few months; due to the exhausting of...

  • 2014-04-28 16:16:00

    KredEx makes profit of 0.9 million euros

    The KredEx Foundation made a profit of 0.9 milllion euros last year (0.9 million euros in 2012).“Last year was characterised by active work in operations of financing companies and investments as well as...

  • 2014-01-16 11:48:00

    Application round for the energy audit and building design grant has been closed as of September 1st, 2013 due to the exhaustion of funds.

     

  • 2013-11-21 14:41:00

    KredEx will start to finance export transactions

    KredEx will start issuing loans to companies also wishing to offer financing under large scale export transactions of goods produced in Estonia. The export loan enables companies to offer a long payment term to a...

  • 2013-11-20 10:18:00

    Export loan terms

    Export loan is intended for financing of export transactions of goods produced in Estonia. The loan is issued to an Estonian exporter and is intended for the provision of a long payment term to a foreign buyer,...

  • 2013-11-20 10:13:00

    Contact

    Please read the export loan terms and consult our customer account managers if necessary.  

  • 2013-11-20 10:12:00

    Documents and additional materials

    Documents Export loan application form Table of financial forecasts Additional materials Export loan terms 

  • 2013-11-20 10:11:00

    What are the main requirements for an applicant?

    The company has been registered in the Commercial Register of the Republic of Estonia The company has no overdue unpostponed debts The company is sustainable and solvent The equity capital of the...

  • 2013-11-20 10:11:00

    How to apply for the export loan?

    To apply for the export loan, an application should be filled out, and the following documents enclosed:Financial forecastsAn overview of the company and a description of the transaction(Audited) annual report for the...

  • 2013-11-20 10:10:00

    For whom is the export loan suitable?

    The export loan is meant for companies wishing to finance large-scale export transactions of goods manufactured in Estonia. The export loan helps if a company wishes to offer a long payment term to a foreign...

  • 2013-07-17 13:05:00

    ELMO short-term car rental is inviting everyone to try driving an electric car

    From Thursday, 11 July, it is possible to try driving an electric car easily and for a reasonable price. The service, starting in Tallinn and Tartu under the electrical mobility programme (ELMO) brings a couple of...

  • 2013-02-20 14:30:00

    Estonia becomes the first in the world to open a nationwide EV fast-charging network

    A fast-charging network makes Estonia the first country in the world where you can easily drive your EV around in towns or in the countryside without worrying about the driving range or pollution.The network,...

  • 2012-11-30 09:45:00

    CIP

    From December 1st, 2012, KredEx in cooperation with the European Investment Fund (EIF) shall guarantee loans issued by banks and leasing companies with the support of the Competitiveness and Innovation Framework...

  • 2012-11-16 09:53:00

    Baltic Innovation Fund

    The Baltic Innovation Fund is a fund of funds created by Estonia, Latvia and Lithuania and the European Investment Fund (EIF) with a purpose to increase equity investments into the enterprises of the Baltic States....

  • 2012-09-26 22:17:00

    The Baltic Innovation Fund will invest 100 million euros into the enterprises of the Baltic States

    With the agreement signed in Vilnius today, the European Investment Fund (EIF) and Estonia, Latvia and Lithuania are creating the Baltic Innovation Fund (BIF) with a goal to increase equity investments into the...

  • 2012-09-06 10:03:00

    BEEN project

     The BEEN Project started on the first of July 2005. The overall goal was to develop strategies and instruments that promote and enable the energy efficient refurbishment of the prefabricated multi-storey...

  • 2012-07-23 12:21:00

    JOSEFIN

    KredEx participates in project Josefin aimed at countries next to the Baltic Sea, the purpose of which is to help small and medium-sized enterprises, providing them with access to financing with the best terms. The...

  • 2012-07-19 15:33:00

    The government is planning to prolong the project of electric cars

    At a session having taken place today, the government gave an authorisation to the Minister of the Environment to sign amendments to the contract with Mitsubishi Corporation, upon the entry of which into force the...

  • 2012-07-12 16:12:00

    Energy Efficiency

    Most buildings in Estonia are energy inefficient. According to the information from the Ministry of the Environment of Finland, Estonia uses two to three times more energy than the Nordic countries even though the...

  • 2012-06-28 17:53:00

    How to apply for the loan guarantee?

    In order to use loan guarantee one should contact a bank or leasing company. They will submit a relevant guarantee application to KredEx. Depending on the guarantee amount and complexity of the project, the guarantee...

  • 2012-06-25 14:04:00

    Terms of credit insurance

    Insurance event An insurance event is an event agreed upon in an insurance agreement, upon the occurrence of which the insured credit shall be deemed uncollectable, and the policy holder shall have a right to apply...

  • 2012-06-25 14:02:00

    Terms of credit insurance

    Insurance cover Insurance cover is established in an insurance agreement or buyer’s credit limit decision, it is a percentage the amount corresponding to which shall be covered by the insurance provider to the...

  • 2012-06-25 14:01:00

    Terms of credit insurance

    Insurance event An insurance event is an event agreed upon in an insurance agreement, upon the occurrence of which the insured credit shall be deemed uncollectable, and the policy holder shall have a right to apply...

  • 2012-06-25 13:56:00

    Terms of credit insurance

    Insurance event An insurance event is an event agreed upon in an insurance agreement, upon the occurrence of which the insured credit shall be deemed uncollectable, and the policy holder shall have a right to apply...

  • 2012-06-21 12:35:00

    Seadusandlus

    Ekspordi riikliku tagamise seadus

  • 2012-06-20 16:05:00

    Rahastamine

    Sageli ei suuda korterelamute elanikud suuremaid remonditöid oma kogutud vahenditest rahastada. Paljud majad koguvad remondifondi makseid, kuid vajaliku summa kokkusaamiseni võib kuluda aastaid, mille jooksul...

  • 2012-06-20 16:00:00

    Otsustamine

    1. RenoveerimiskavatsusRenoveerimisotsuse langetamiseks üldkoosolekul ollakse valmis siis, kui enamus korteriühistu, elamuühistu, korteriomanike ühisuse liikmeid on jõudnud arusaamisele, et elamu edasine...

  • 2012-06-20 15:16:00

    Üritused

    08.06.2012 infopäeva materjalidEesti ehitussektori üldiseloomustus ja lähiaastate perspektiivid - Aivar UutarEnergiatõhususe rakendamise võimalused projektis ja protsessis - Enno AbelPädevustest, kutsetest,...

  • 2012-06-20 11:31:00

    Krediidikindlustuse hinnapakkumise kalkulaator

  • 2012-06-19 15:59:00

    Energiaauditi juhend

    I. Energiaauditi teostamisel lähtutakse järgmistest põhimõtetest:   1.Auditeerimine baseerub mõõdistamistel ja kogutud andmetel. 2.Üksikpindalad leitakse täpsusega +/- 5% (pluss miinus viis...

  • 2012-06-19 15:57:00

    Mis on energiaaudit?

    Mis on energiaaudit ja mida see sisaldab?Energiaaudit on protseduur, mis selgitab, kuidas kasutatakse energiat, millised on võimalikud energiasäästumeetmed ja kuidas saab auditiobjektil energiat säästlikumalt...

  • 2012-06-19 15:56:00

    Kraadpäevad

    Kraadpäevade mõisteSageli on olemasoleva hoone energiatarbimise hindamisel otstarbekas võrrelda energiatarbimist erinevate perioodide vältel. Suur osa soojuse tarbimisest hoones sõltub valitsevast...

  • 2012-06-19 12:30:00

    Seminaride materjalid

    09.12.2009 TallinnSuurpaneelelamute ehitustehnilise seisukorra uuring Sisekliima korterelamutes ja selle parandamise võimalused Renoveerimislaen korterelamutele04.12.2009 RakvereEnergiamärgis, energiaaudit,...

  • 2012-06-19 11:53:00

    Infomaterjalid

    Too oma kodu 21. sajandisseRenoveerimisel ära unusta energiasäästuEnergiasääst - mitte ainult elektripirnistEnergiasääst korterelamusKredEx aitab maja korda tehaHoone energiamärgisNõuded hoonete...

  • 2012-06-18 13:05:00

    Renoveerimislaenu põhitingimused

    Sihtgrupp: enne 1993. aastat ehitatud korterelamu korteri- või hooneühistu või korteriomanike ühisus, mille korteriomanikest vähemalt 80% peavad olema füüsilistest isikutest omanikud. Kohaliku omavalitsuse...

  • 2012-06-18 12:08:00

    Eluasemelaenu käenduse sihtgrupid

    Noore pere sihtgruppNoor pere on kuni 15-aastast (kaasa arvatud) last kasvatav vanem või vanemad, kusjuures vanemaks loetakse ka eestkostja.Noore spetsialisti sihtgruppNoor spetsialist on kõrghariduse,...

  • 2012-06-18 11:20:00

    How does the insurance work?

    1. Latest before the first delivery it is necessary to apply for a credit limit for a buyer, for which insurer provides a confirmation as a credit limit decision. 2. Goods shall be sent to the buyer or a service...

  • 2012-06-18 10:52:00

    How does the insurance work?

    1. Latest before the first delivery it is necessary to apply for a credit limit for a buyer, for which insurer provides a confirmation as a credit limit decision. 2. Goods shall be sent to the buyer or a service...

  • 2012-06-18 10:42:00

    Additional information

    Terms of credit insurance How does the insurance work?  

  • 2012-06-18 10:33:00

    How does the insurance work?

    1. Latest before the first delivery it is necessary to apply for a credit limit for a buyer, for which insurer provides a confirmation as a credit limit decision. 2. Goods shall be sent to the buyer or a service...

  • 2012-06-18 10:21:00

    Example of supplier credit insurance

    Transaction between Estomac and RusfoodEstonian enterprise Estomac produces equipment for food industry and has received an order from Russian enterprise Rusfood. The value of the order is 200,000 euros. Rusfood is a...

  • 2012-06-18 10:18:00

    Ostjakrediidi kindlustuse näide

    Estomaci ja Rusfoodi vaheline tehingEesti ettevõte "Estomac" toodab toiduainetööstusele mõeldud seadmeid ning on saanud tellimuse Venemaa ettevõttelt "Rusfood". Tellimuse väärtus on 1 000 000 eurot. Rusfood on...

  • 2012-06-15 13:34:00

    Eluasemelaenu käendus

    KredExi käendustasu suuruse arvutamise kalkulaator Esmase laenu võtmisel täitke lahtrid 1 ja 2 Lisalaenu võtmisel täitke lahtrid 1-5 ...

  • 2012-06-14 13:18:00

    Reports

    Annual reportsAnnual Review 2014 Annual Review 2013 Annual Review 2012 Annual Review 2011 Annual Review 2010  Quarterly reports (in Estonian)Quarterly reports 2017 I kvartali vahearuanne II kvartali...

  • 2012-06-14 12:45:00

    Riigiabi kalkulaator

    Kui toetus on vähese tähtsusega abi, ei tohi taotlejale jooksva majandusaasta ja kahe eelneva majandusaasta jooksul antud vähese tähtsusega abi ületada 200 000 eurot, maanteetranspordi valdkonnas tegutseva...

  • 2012-06-13 19:18:00

    sfsd

    Sihtasutus KredEx KredEx Krediidikindlustus ASTöötamine KredExis 

  • 2012-06-13 16:49:00

    ELMO programme

    The Government of the Republic of Estonia concluded a contract with Mitsubishi Corporation for the sale of AAUs in the amount of 10 million AAUs to start the Estonian electrical mobility programme.The programme...

  • 2012-06-11 22:37:00

    Laenukäenduse üldtingimused

    Korterelamu laenukäenduse omadusedRenoveerimislaenu sihtotstarve on korterelamu renoveerimise ja elanike elukvaliteedi tõstmisega seotud tööde finantseerimine.Krediit makstakse välja ehitusettevõtte(tete)...

  • 2012-06-11 22:33:00

    Nõuded valitsejale

    Valitseja peab sihtasutuse ja panga hinnangul olema usaldusväärne ja jätkusuutlik.Juriidilisest isikust valitsejal peab olema kehtiv Eesti Kinnisvara Haldajate ja Hooldajate Liidu poolt väljastatud vähemalt **...

  • 2012-06-11 22:25:00

    Korduma kippuvad küsimused

    Kas toetust on võimalik taotleda ka käimasolevatele või juba tehtud töödele? Kahjuks on rekonstrueerimistoetus mõeldud neile, kes alles hakkavad rekonstrueerimistöid tegema. Mida tähendab „sisekliima...

  • 2012-06-11 17:01:00

    Contact

    Please read the renovation loan terms and consult our customer account managers if necessary.

  • 2012-06-11 16:57:00

    Contact

    Please examine the terms and conditions of the capital loan and, if necessary, consult our client executive.

  • 2012-06-11 16:56:00

    Contact

    Please read the loan guarantee terms and consult our customer account managers if necessary.

  • 2012-06-11 16:55:00

    Contact

    Please read the technology loan terms and consult our customer account managers if necessary.

  • 2012-06-11 16:53:00

    Kontakt

    Omandireformi käigus tagastatud korterelamute renoveerimistoetust puudutavates küsimustes pöörduge palun meie spetsialisti poole:

  • 2012-06-11 16:52:00

    Contact

    Please read the housing loan guarantee terms and consult our customer account managers if necessary. 

  • 2012-06-11 16:51:00

    Kontakt

    Lasterikaste perede toetust puudutavates küsimustes pöörduge palun meie spetsialistide poole.

  • 2012-06-11 16:31:00

    Contact

    In the event of questions regarding the energy audit and building design grant, please contact our client managers.

  • 2012-06-11 15:43:00

    Contact

    Please read the investment insurance terms and consult our customer account managers if necessary.

  • 2012-06-11 15:42:00

    Contact

    Please read the production risk insurance terms and consult our customer account managers if necessary.

  • 2012-06-11 15:40:00

    Contact

    Please read the supplier credit insurance terms and consult our customer account managers if necessary.

  • 2012-06-11 15:40:00

    Contact

    Please read the buyer credit insurance terms and consult our customer account managers if necessary.

  • 2012-06-11 15:37:00

    Contact

    Please read the short-term transaction credit insurance terms and consult our customer account managers if necessary.

  • 2012-06-11 15:36:00

    Contact

    In matters regarding loan guarantee for apartment buildings, please contact our client managers.Please read the apartment building loan guarantee terms and consult our customer account managers if...

  • 2012-06-11 13:40:00

    Contact

    In the event of questions regarding the reconstruction grant, please write to e-mail address ketoetus[at]kredex.ee or contact our client managers.

  • 2012-06-10 23:21:00

    Toetuse taotlemine

    Nõutavad dokumendid: kodutoetuse taotlus (.doc), (.pdf)täisealiste taotlejate isikuttõendava dokumendi koopia abielutunnistuse või abielutõendi koopia (olemasolul) laste sünnitunnistuste koopiad kui neid ei ole...

  • 2012-06-10 23:16:00

    Toetussummad

    Riigipoolne maksimaalne toetussumma on:kuni 100% projekti maksumusest, kui taotleja leibkonna kahe eelmise kalendriaasta keskmine maksustav tulu ühe leibkonna liikme kohta on kuni 150 eurot kuuskuni 90% projekti...

  • 2012-06-10 23:11:00

    Toetuskõlblikud tegevused

    eluaseme püstitamine, rekonstrueerimine või laiendamine, samuti eluaseme tehnosüsteemide – või võrkude rajamine, muutmine või asendamine ehitusseaduse tähenduseseluaseme soetamine leibkonnaleeluasemelaenu...

  • 2012-06-10 20:03:00

    Korduma kippuvad küsimused

    Kas laenule on seatud maksimumsumma piir? Ei, maksimumsumma piiri seatud ei ole.Mis on intress 10 aasta pärast? 10 aasta pärast fikseeritakse intress uuesti laenuperioodi lõpuni ja see on kindlasti madalam...

  • 2012-06-10 20:00:00

    Aruandlus

    Kõigil kortermajadel, kes on kasutanud alljärgnevaid KredExi teenuseid, on kohustus esitada kord aastas aruanne teostatud rekonstrueerimistööde ja energiatarbe kohta.NB! Kui kortermaja on kasutanud mitut...

  • 2012-06-10 19:50:00

    Näide

    Soovite osta maja, mille turuväärtus hindamisakti alusel on 64 000 eurot ning kasutada selleks eluasemelaenu käendust maksimaalses ulatuses ehk 24%. Samas on Teil eluasemelaen, mille tagasimaksmata summa on 12 782...

  • 2012-06-10 13:16:00

    General terms of start-up loan

      Terms and conditions for the borrowerCompanies with up to 250 employees and self-employed persons, if they were registered in the commercial register less than three (3) years ago.Annual turnover up to...

  • 2012-06-10 12:52:00

    General terms of business loan guarantee

    The KredEx loan guarantee enables one to secure the obligations of an enterprise, arising from loan, leasing and guarantee contracts. To obtain a guarantee that corresponds to the loan guarantee terms, the bank or the...

  • 2012-06-10 12:48:00

    General terms of capital loan

      Requirements for the loan applicant    The company has been entered in the commercial register of the Republic of Estonia.The company has no overdue deferred debt.The company is a going concern and...

  • 2012-06-10 12:36:00

    General terms of technology loan

     Terms for a loan applicant the company has been registered in the commercial register of the Republic of Estoniathe company has no overdue unpostponed debtsthe company is sustainable and solventthe equity...

  • 2012-06-09 23:50:00

    Meediakajastus

    Korterelamute soojustamine vähendab küttearveid. Pärnu Postimees 22.06.2012KredEx: veel 5 miljonit korterelamutele. Äripäev 20.06.2012KredEx: korterelamute korrastamiseks on eraldatud juba 10 miljonit eurot....

  • 2012-06-09 23:04:00

    Ehitusekspertiiside ja energiaauditite toetuste saajate nimekirjad

    2003 aasta2004 aasta2005 aasta2006 aasta2007 aasta2008 aasta (II kvartali seisuga)2008 aasta seisuga 30.11 (EL Struktuurifondide vahendid)2008 aasta detsember2009 aasta I kvartal2009...

  • 2012-06-09 23:01:00

    Nõuded energiaaudititele, ehitise ekspertiisidele ja ehitusprojektidele

    Energiaaudit peab vastama energiaauditite teostamise miinimumnõuetele Ehitusprojekt peab olema koostatud energiaauditi soovituste alusel teostatavateks töödeks ja vastama majandus- ja...

  • 2012-06-09 22:59:00

    Aruandlus

    Kõigil kortermajadel, kes on kasutanud alljärgnevaid KredExi teenuseid, on kohustus esitada kord aastas korterelamu energiakulu aruanne.NB! Kui kortermaja on kasutanud mitut nimetatud teenust, siis topelt aruannet...

  • 2012-06-09 22:55:00

    Taotluste menetlemine

    Taotlusi menetletakse taotluste saabumise kronoloogilises järjekorras.Taotluste rahuldamise või mitte rahuldamise otsustab KredEx vastavalt põhikirjast lähtuvatele otsustusprotseduuridele ning kooskõlas...

  • 2012-06-09 22:53:00

    Toetuse saaja kohustused

    1. Toetuse saaja esitab KredExile aruande korterelamu energiakulu aruande kolmel järjestikusel aastal pärast toetuse saamist hiljemalt iga järgneva kalendriaasta 20. jaanuariks. Aruanne esitatakse...

  • 2012-06-09 22:38:00

    Rekonstrueerimise toetuse otsuse saanud korterelamud

    Rekonstrueerimise toetuse eraldamise otsuse saanud korterelamud 2010. aastal Nimekiri (.xls)Nimekiri (.pdf)Rekonstrueerimise toetuse eraldamise otsuse saanud korterelamud 2011....

  • 2012-06-09 12:57:00

    Konsultandi teenus

    Kui korteriühistu või –ühisus on otsustanud hakata maja renoveerima ning teinud selleks ka vajaliku eeltöö (tellinud auditi, tutvunud renoveerimislaenu ja toetuse tingimustega) võib korteriühistu liikmetel...

  • 2012-06-09 12:56:00

    Toetuse saaja kohustused

    esitama iga kalendriaasta jaanuarikuu kahekümnendaks (20.) kuupäevaks KredExile korterelamu eelmise aasta energiakulude aruande vastaval vormil.­viima projekti ellu taotluses ja taotluse rahuldamise otsuses...

  • 2012-06-09 12:55:00

    Toetuse väljamaksmine

     Toetuse väljamaksed tehakse toetuse saajale vastavalt taotluse rahuldamise otsuses ning toetuse eraldamise lepingus toodud tingimustele.Toetuse väljamakse tegemise eeldusteks on:lõppenud on kõik Projekti...

  • 2012-06-09 12:54:00

    Toetuse taotlemine

    Toetuse taotlemisel esitatakse taotlus renoveerimislaenu väljastavale krediidiasutusele koos renoveerimislaenu taotlusega.Kui taotleja omab projekti elluviimiseks kohast omafinantseeringut ning ei kasuta selleks...

  • 2012-06-09 12:52:00

    Toetatavad tööd

    Toetatakse järgmisi korterelamuelamu rekonstrueerimisega seotud kulusid:­korterelamu fassaadi rekonstrueerimisega ja soojustamisega seotud kulu­korterelamu katuse rekonstrueerimisega ja soojustamisega seotud...

  • 2012-06-09 12:51:00

    Toetuse tingimused

    1. Toetust saavad taotleda: vähemalt 3 korteriga korterelamu korteriühistu, hooneühistu või korteriomanike ühisuskorterelamu esmasest kasutusloa saamisest või muul viisil tegelikult kasutusse võtmisest...

  • 2012-06-08 22:27:00

    Kontakt

    Tehnoloogialaenu taotlemisega seonduvates küsimustes pöörduge julgelt meie spetsialistide poole:

  • 2012-06-08 16:18:00

    Kärjäär KredExis

    Oleme finantsasutus ning väärtustame pikaajalisi töösuhteid, mis kindlustavad klientide rahulolu.

  • 2012-06-08 16:17:00

    Introduction

    KredEx is a financing institution helping Estonian enterprises develop quicker and expand more safely to foreign markets, offering loans, venture capital, credit insurance and guarantees with state guarantee. We help...

  • 2012-06-08 16:17:00

    SA KredEx

      

  • 2012-06-08 15:07:00

    Tehnoloogialaenu tingimused

    Laenu ei väljastata järgnevatele tegevusvaldkondadele ja ettevõtetele:põllumajandustoodete esmatootmine, kalandus, vesiviljelus ja metsamajandus relva-, söe- ja tubakatööstus ning laevaehitus terase-...

  • 2012-06-08 14:36:00

    Structure

     

  • 2012-06-08 13:50:00

    Kraadpäevad

    Kraadpäevade mõiste Sageli on olemasoleva hoone energiatarbimise hindamisel otstarbekas võrrelda energiatarbimist erinevate perioodide vältel. Suur osa soojuse tarbimisest hoones sõltub valitsevast...

  • 2012-06-08 13:42:00

    Soojusenergia tarbimine

    Kaardil nähtavad andmed ja värvikood sõltuvad sellest, milline kaardi andmekiht on aktiivne. Kaardikihte saab aktiviseerida ülal paremal olevas kastis. Variandid on:A – „Küttekulu MWh/aasta“. Hoone (või...

  • 2012-06-08 12:20:00

    Riigiabi kalkulaatorid

    Kui toetus on vähese tähtsusega abi, ei tohi taotlejale jooksva majandusaasta ja kahe eelneva majandusaasta jooksul antud vähese tähtsusega abi ületada 200 000 eurot, maanteetranspordi valdkonnas tegutseva...

  • 2012-06-08 12:18:00

    Seadusandlus

    Allutatud laenu riigiabi kavaEkspordi riikliku tagamise seadusEttevõtluse toetamise ja laenude riikliku tagamise seadusTingimused väikese ja keskmise suurusega ettevõtjate investeerimislaenu käendamiseksTingimused...

  • 2012-06-08 12:03:00

    Partners

    Estonian credit institutionsAS BIGBANK Citadele Pank Danske Bank AS Eesti filiaal AS DnB Pank AS DnB Liising AS Eesti Krediidipank AS LHV Pank AS Nordea Finance Estonia Nordea Bank AB Eesti filiaal AS SEB Pank AS SEB...

  • 2012-06-08 12:02:00

    Statistika

    2009 statistika 2008 statistika 2007 statistika 2006 statistika 2005 statistika 2004 statistika 2003 statistika

  • 2012-06-08 12:00:00

    Põhikiri

    1. Üldsätted1.1 Sihtasutuse nimi on Krediidi ja Ekspordi Garanteerimise Sihtasutus KredEx (asutamisel Ettevõtluse ja Elamumajanduse Laenude Tagamise Sihtasutus), edaspidi nimetatud sihtasutus. 1.2 Sihtasutuse...

  • 2012-06-08 11:57:00

    Annual reports

    Annual report 2016 (pdf version) Annual report 2015 (pdf version) Annual report 2014 (pdf version) Annual report 2013 Annual report 2012 Annual report 2011 Annual report 2010 Annual report 2009 Annual report...

  • 2012-06-08 10:55:00

    Omanikujärelevalve

    Kuigi valitakse enda meelest parim töövõtja, tuleb võimalike vigade vältimiseks ja projektijärgse ehituse jälgimiseks leida asjatundlik tellijapoolne omanikujärelvalve. Vastutavaks järelvalveinseneriks on...

  • 2012-06-08 10:54:00

    Ehitaja valik

    Korterielamu esindaja korraldab (peatöövõtja-)ehitaja leidmiseks vastavat litsentsi omavate ehitus-, ehitusremondi-, elamuhooldusfirmade ja üksikisikute vahel (pea-)töövõtu võistupakkumise (lähtudes koostatud...

  • 2012-06-08 10:52:00

    Projekteerimine

    Projekteerimise aluseks on projekteerimise lähteülesanne ja selle lisad.Korterelamu esindaja võtab projekteerija leidmiseks vastavat litsentsi omavate büroode seast projekteerimispakkumised. Tehakse optimaalne...

  • 2012-06-08 10:51:00

    Rahastamine

    Sageli ei suuda korterelamute elanikud suuremaid remonditöid oma kogutud vahenditest rahastada. Paljud majad koguvad remondifondi makseid, kuid vajaliku summa kokkusaamiseni võib kuluda aastaid, mille jooksul...

  • 2012-06-08 10:45:00

    Otsustamine

    1. RenoveerimiskavatsusRenoveerimisotsuse langetamiseks üldkoosolekul ollakse valmis siis, kui enamus korteriühistu, elamuühistu, korteriomanike ühisuse liikmeid on jõudnud arusaamisele, et elamu edasine...

  • 2012-06-07 18:48:00

    BUILDEST project

    The project BUILDEST is a part of project Build Up Skills by the Executive Agency for Competitiveness and Innovation (EACI), the wider purpose of which is to ensure more energy-efficient operation of the building...

  • 2012-06-07 18:47:00

    Seadusandlus

    Energiatõhususe miinimumnõudedDirektiiv 2002/91/EÜ - Ehitiste energiatõhususe direktiivDirektiiv 2006/32/EÜ - Energia lõpptarbimise tõhusus ja...

  • 2012-06-07 18:42:00

    CE-märgistus

    Laiemale avalikkusele tuttavam CE-märgistus sai võimalikuks esimeste harmoneeritud Euroopa standardite valmimisega 2001 a. ja ehitustoote tehniliste tunnustuste arvu kasvuga (täiendavat infot harmoneeritud...

  • 2012-06-07 18:41:00

    Arengukavad

    Eesti eluasemevaldkonna arengukava 2008-2013"Energiasäästu sihtprogrammi 2007-2013" rakendusplaan aastateks 2007-2009Energiasäästu sihtprogramm 2007-2013Elamumajanduse arengukava 2003-2008Energiasäästu...

  • 2012-06-07 18:39:00

    Eesti elamumajanduse- ja energiasäästupoliitika alused

     Riigi tegevuse üldeesmärk elamumajandusvaldkonnas on tagada eluaseme valiku võimalus kõigile Eesti elanikele. Põhiülesanne on luua elamuturul sellised tingimused (õiguslik regulatsioon, institutsionaalne...

  • 2012-06-07 18:39:00

    Statistika ja uuringud

    TTÜ uute korterelamute uuring (2012)Madalenergia- ja liginullenergiahoone kavandamine. Juhend büroo ja avalike hoonete tellijale (2012)Madalenergia- ja liginullenergiahoone kavandamine. Juhend korterelamute...

  • 2012-06-07 18:38:00

    Energiaaudiitorid

    Energiaaudiitori ja energiamärgise väljastaja kutsestandard Hoonete energiaauditeid tegevad ettevõtjad (Majandustegevuse register seisuga 20.01.2012) 1kelvin OÜ Lõõtsa...

  • 2012-06-07 18:30:00

    Hoone energiamärgis

    Energiamärgise rakendamise kohustus EL liikmesriikides sai alguse 2002. aastal Euroopa Parlamendi ja Nõukogu poolt vastu võetud ehitiste energiatõhususe direktiiviga (EPBD).Hoone energiamärgis on dokument, mille...

  • 2012-06-07 18:28:00

    Energiaaudiitorid

    Energiaaudiitori ja energiamärgise väljastaja kutsestandard Hoonete energiaauditeid tegevad ettevõtjad (Majandustegevuse register seisuga 20.01.2012) 1kelvin OÜ Lõõtsa...

  • 2012-06-07 18:27:00

    Energiaauditite miinimumnõuded

     I. Energiaauditi teostamisel lähtutakse järgmistest põhimõtetest:1.Auditeerimine baseerub mõõdistamistel ja kogutud andmetel.2.Üksikpindalad leitakse täpsusega +/- 5% (pluss miinus viis...

  • 2012-06-07 18:24:00

    Energiaaudit ja kraadpäevad

    Kui leiad, et võrreldes naabermajaga on sinu korterelamus- suured küttekulud - suur vee tarbimine - elektrienergiat peaks kuidagi säästma Või palju energiasäästu annab hoone renoveerimine, tuleks alustada...

  • 2012-06-07 18:24:00

    Miks tellida energiaaudit ja mida see sisaldab?

    Energiaaudit on protseduur, mis selgitab, kuidas kasutatakse energiat, millised on võimalikud energiasäästumeetmed ja kuidas saab auditiobjektil energiat säästlikumalt kasutada. Energiaaudit annab ülevaate...

  • 2012-06-07 18:03:00

    Supervisory Board

     

  • 2012-06-07 18:03:00

    Nõukogu

    Marika Priske& nõukogu esimees, Majandus- ja Kommunikatsiooniministeeriumi kantsler Siim Raie nõukogu aseesimees, Vabariigi...

  • 2012-06-07 18:01:00

    Management Board

     

  • 2012-06-07 17:56:00

    Bureau

     

  • 2012-06-07 17:51:00

    Risk Management Department

     

  • 2012-06-07 17:45:00

    Finance and IT Department

     

  • 2012-06-07 17:30:00

    KredEx Credit Incurance Ltd

     

  • 2012-06-07 17:11:00

    Housing and Energy Efficiency Division

     

  • 2012-06-07 16:50:00

    KredEx Credit Insurance Ltd

    KredEx Credit Insurance is a state-owned insurance company helping Estonian companies manage credit risks connected both with export and domestic sales. A wider goal of the activities of KredEx Credit Insurance is...

  • 2012-06-07 02:08:00

    Kellele sobib lasterikaste perede toetus?

    Toetus on mõeldud peredele, kus kasvab vähemalt neli kuni 19-aastast (k.a.) last ning kelle keskmine maksustatav tulu on 2 viimase kalendriaasta tuludeklaratsiooni põhjal leibkonna ühe liikme kohta kuni 300 eurot...

  • 2012-06-07 02:07:00

    Vajalikud dokumendid ja lisamaterjalid

    DokumendidTaotluse vorm (.doc), (pdf) Ehitustööde eelarve vorm Soovitava eluaseme kirjeldus Väljamaksetaotlus (pangalaenu tagasimaksmine) Väljamaksetaotlus (renoveerimine, ehitamine) Väljamaksetaotlus (korteri,...

  • 2012-06-07 02:06:00

    Kuidas taotleda?

    Kodutoetuse taotlemine, menetlemine ja eraldamine toimub vastavalt majandus-ja kommunikatsiooniministri poolt kinnitatud juhendile. Toetuste taotlemine toimub taotlusvoorudena.2012. aastal eraldati lasterikaste perede...

  • 2012-06-07 02:05:00

    For whom is housing loan guarantee suitable?

    Housing loan guarantee is designed for people wishing to take a loan for the purchase of new living premises or renovation of the existing ones, and decrease the downpayment obligation. With the help of housing loan...

  • 2012-06-07 02:03:00

    What are the main requirements to an applicant?

    At least one of the loan applicants wishing to use the housing loan guarantee of KredEx shall belong into one of the below target groups:Target group of young family A young family is a parent or parents raising a...

  • 2012-06-07 02:02:00

    How to apply?

    To apply for housing loan guarantee, it is necessary to contact a bank that organises the obtaining of the guarantee and subsequent reporting. Banks issuing housing loan guarantee: Swedbank, Citadele Pank, Danske...

  • 2012-06-07 02:02:00

    What are the terms for housing loan guarantee?

    self-financing at least 10% of the value of the loan guarantee propertyloan guarantee amount is up to 24% of the value of the loan guarantee property, but not more than EUR 20,000. Up to EUR 50,000 in the target...

  • 2012-06-07 01:59:00

    Kellele tagastatud korterelamute renoveerimistoetus sobib ?

    Toetust saavad taotleda omandireformi käigus õigusjärgsele subjektile tagastatud korterelamute füüsilistest isikutest omanikud, nimetatud elamutes moodustatud korteriühistud või neis asuvad korteriomanike...

  • 2012-06-07 01:58:00

    Vajalikud dokumendid

    Taotlus Rekonstrueerimistööde väljamakse taotlus

  • 2012-06-07 01:58:00

    Millised on peamised nõuded toetavatele töödele?

     Toetamisele kuuluvad rekonstrueerimis- või renoveerimistööd, mis on teostatud alates 2007. aastast.Toetust taotleva korterelamu kohta peab olema teostatud kas:aastatel 2003-2006 koostatud tehnilise...

  • 2012-06-07 01:57:00

    Kuidas toetust taotleda?

    Toetuse taotlemiseks tuleb esitada KredExile tähitud kirjana Eesti Posti vahendusel vastaval vormil rekonstrueerimistööde toetuse taotlus koos alljärgnevalt loetletud dokumentide koopiatega:ehitusprojekti...

  • 2012-06-07 01:56:00

    For whom is the energy audit and building design grant suitable?

    The grant is suitable for apartment and building associations or communities of apartment owners, who wish to apply for a grant for energy audits, as well as drafting of building designs necessary for the tasks...

  • 2012-06-07 01:55:00

    What are the main terms?

    the grant is available for apartment associations formed in apartment buildings, building associations or communities of apartment owners in thosethe grant terms have been established with a regulation of the Minister...

  • 2012-06-07 01:54:00

    How to apply for the energy audit and building design grant?

    To apply for the grant, an electronic application with a digital signature shall be sent to the following e-mail address: toetused[a]kredex.ee (subject: energy audit) or by registered mail through Eesti Post....

  • 2012-06-07 01:50:00

    What are the main terms?

    up to 75% of the loan amountthe guarantee amount decreases proportionally to the loan amountguarantee fee 1.2-1.7% of the guarantee balance per yearin the event of a payment difficulty, the loan recipient may submit...

  • 2012-06-07 01:43:00

    For whom is reconstruction grant suitable?

    The grant is designed for associations and communities wishing to reconstruct their apartment buildings as completely as possible. The grant may be applied for in the amount of 15%, 25% and 40% of the total project...

  • 2012-06-07 01:42:00

    For whom is loan guarantee suitable?

    Loan guarantee is suitable for apartment buildings that wish to take a loan from a bank to finance renovation and work connected with increasing of the quality of life of inhabitants, but whose risk is evaluated...

  • 2012-06-07 01:40:00

    What are the main requirements to an applicant?

    the loan recipient is an apartment or building association or apartment owners participating in a community or apartment owners.in the event of a community of apartment owners, the loan recipients may be represented...

  • 2012-06-07 01:39:00

    How to apply for the loan guarantee?

    To apply for a loan guarantee it is necessary to contact a bank. More detailed information regarding apartment building loan guarantee is available from a customer account manager of KredEx. Banks issuing apartment...

  • 2012-06-07 01:29:00

    For whom is renovation loan suitable?

    Renovation loan is designed for the reconstruction and improvement of energy efficiency of apartment buildings constructed before 1993. Renovation loan can be applied for by apartment associations, building...

  • 2012-06-07 01:28:00

    What are the main terms?

    achievement of energy saving of at lest 20% in apartment buildings of 2000 m² (closed net area)achievement of energy saving of at least 30% in apartment buildings of over 2000 m²loan period up to 20...

  • 2012-06-07 01:26:00

    How to apply the renovation loan?

    To apply for the loan, please contact SEB or Swedbank. Upon the application for loan, the following documents need to be submitted:energy auditannex to the energy audit regarding the obtainable energy saving on a...

  • 2012-06-07 01:19:00

    What are the main terms?

    it is possible to apply for the grant in the amount of 15%, 25% and 40% of the total cost of the construction work depending on the level of integration in reconstruction of apartment buildings.the grant can be...

  • 2012-06-07 01:17:00

    How to apply for the reconstruction grant?

    To apply for the grant, a relevant application shall be submitted to the bank issuing the renovation loan with an application for renovation loan. If an applicant has sufficient self-financing for the construction...

  • 2012-06-07 01:08:00

    Additional information

    Terms of credit insurance

  • 2012-06-07 01:07:00

    Additional information

    Terms of credit insurance

  • 2012-06-07 01:07:00

    Additional information

    Terms of credit insurance

  • 2012-06-07 01:06:00

    Additional information

    Terms of credit insurance  

  • 2012-06-07 01:03:00

    Lisainfo

    Krediidikindlustuse mõisted  

  • 2012-06-07 01:01:00

    Terms of credit insurance

    Insurance event An insurance event is an event agreed upon in an insurance agreement, upon the occurrence of which the insured credit shall be deemed uncollectable, and the policy holder shall have a right to apply...

  • 2012-06-07 00:57:00

    For whom is investment insurance suitable?

    Investment insurance is suitable for exporting enterprises and banks financing those, wanting to protect direct investments into foreign countries from political risks. By the insurance it is possible to insure direct...

  • 2012-06-07 00:56:00

    What are the most important terms?

    Policy holder: an entrepreneur entered into the Estonian commercial registerInsured risk: political risk connected with making of the investmentTransaction-based serviceInvestment country: not restricted, excluding...

  • 2012-06-07 00:55:00

    How to apply for the insurance?

    For conclusion of an insurance contract, a contract application shall be filled out and sent to our customer account manager before making an investment. The insurance providerinsurer analyses the country of...

  • 2012-06-07 00:54:00

    For whom is production risk insurance suitable?

    Production risk insurance is designed for an enterprise wishing to insure itself against possible insolvency of buyers during a production period. Production risk insurance covers the expenses connected with the...

  • 2012-06-07 00:53:00

    Necessary documents and additional material

    Production risk insurance application form

  • 2012-06-07 00:53:00

    What are the most important terms?

    Policy holder: an Estonian entrepreneur entered into the Estonian commercial registerInsured risk: insolvency of buyer due to a commercial or political riskBuyers: legal personsBuyer’s country of location: not...

  • 2012-06-07 00:52:00

    How to apply for the insurance?

    For the conclusion of an insurance contract, an insurance contract application shall be filled out before the conclusion of the contract and starting production, and sent to our customer account manager. The insurance...

  • 2012-06-07 00:51:00

    For whom is buyer’s credit insurance suitable?

    When a foreign buyer borrows from a bank to pay for the exported goods, that bank may require insurance cover against insolvency of the buyer. Such buyer’s credit insurance often lowers financing costs and enables...

  • 2012-06-07 00:50:00

    What are the most important terms?

    Policy holder: a financing institution financing an Estonian export transactionInsured risk: insolvency of buyer due to a commercial or political riskBuyer: a legal personBuyer’s country of location: generally not...

  • 2012-06-07 00:49:00

    How to apply for the insurance?

    Please fill out an application and send to us for review.

  • 2012-06-07 00:49:00

    Necessary documents and additional material

    Buyer's credit insurance application form

  • 2012-06-07 00:48:00

    For whom is supplier credit insurance suitable?

    Supplier credit insurance is suitable for exporters of capital and durable goods who would like to provide longer payment term to their buyers. Insurance would cover possible payment difficulties of buyers.Supplier...

  • 2012-06-07 00:47:00

    Necessary documents and additional material

    Supplier credit insurance application form

  • 2012-06-07 00:47:00

    What are the most important terms?

    Policy holder: Estonian exporterInsured risk: insolvency of buyer due to a commercial or political riskBuyer’s country of location: not restricted, excludesEstoniaThe service is related to a particular buyer and...

  • 2012-06-07 00:46:00

    For whom is credit insurance of short-term transactions suitable?

    Short-term credit insurance is suitable for companies selling goods or services with payment periods up to 360 days and protects against possible payment difficulties of Your buyers.Short-term credit insurance is...

  • 2012-06-07 00:46:00

    How to apply for the insurance?

    To apply, an application form shall be filled out and sent to us before the delivery of the goods. We will review the credit capability of the buyer and when acceptable, insurance cover is provided.

  • 2012-06-07 00:45:00

    What are the most important terms?

    Policy holder: Companies registered in EstoniaInsured risk: buyer’s insolvency due to a commercial or political riskBuyers: legal entitiesBuyer’s country of location: not restricted, including EstoniaPayment term...

  • 2012-06-07 00:45:00

    Necessary documents and additional material

    General conditions Insurance contract application form Credit limit application form Credit limit application form (several buyers) Turnover declaration form Notification of non-payment Indemnity application form  

  • 2012-06-07 00:44:00

    How to apply for the insurance?

    In order to receive an offer, please fill out an application and send it to one of our client managers. A suitable offer will be the basis of Your insurance contract.After we have reached an agreement on the general...

  • 2012-06-07 00:43:00

    How to apply for capital loan?

    In order to apply for capital loan, it is necessary to fill in an application (ID card or Mobile ID is required for logging into the environment of e-services), and enclose the following:financial forecasts on the...

  • 2012-06-07 00:42:00

    Necessary documents and additional material

    DocumentsApplication form of capital loan Table of financial forecastsAdditional materialGeneral terms of capital loan 

  • 2012-06-07 00:42:00

    What are the main requirements to an applicant?

    The company has been entered in the commercial register of the Republic of EstoniaThe company’s equity is at least EUR 100 000 and corresponds to the requirements set out in the Commercial CodeThe company has no...

  • 2012-06-07 00:42:00

    For whom is a capital loan suitable?

    A capital loan is aimed at companies having proven the operability of their business model, who are planning development investments.A capital loan is helpful if the company wishes to finance its fast growth with loan...

  • 2012-06-07 00:39:00

    Kuidas laenukäendust taotleda?

    Laenukäenduse kasutamiseks tuleb pöörduda panka. Käenduse saamiseks esitab pank või liisingfirma vastava taotluse KredExile. Kuni 400 000 eurose käenduse menetlemiseks kulub tavaliselt 1 nädal, 400 000 – 800...

  • 2012-06-07 00:38:00

    Necessary documents and additional material

    DocumentsApplication form of loan guarantee (to be filled by the customer account manager at the bank)Additional materialGeneral terms of loan guarantee  

  • 2012-06-07 00:31:00

    What are the main requirements to an applicant?

    The entrepreneur is creditworthyThe equity of the entrepreneur meets the requirements established in the Commercial CodeThe entrepreneur has no overdue un-staggered credits 

  • 2012-06-07 00:30:00

    For whom is loan guarantee designed?

    A business loan guarantee is designed for a company requiring financing of its operations by a bank or leasing.Loan guarantee helps, if a company wishes to use a bank loan, leasing or bank guarantee, but lacks...

  • 2012-06-06 19:50:00

    What are the main requirements to an applicant?

    the company has been registered in the commercial register of the Republic of Estoniathe company has no overdue unpostponed debtsthe company is sustainable and solventthe equity capital of the company meets the...

  • 2012-06-05 15:42:00

    Career

    Natalja PaukuClient Manager of Enterprise DivisionI have been working for KredEx for more than six years. Previously, I had been employed with a major Estonian bank. Whilst looking for new challenges, I spotted a...

  • 2012-06-05 15:41:00

    Working in KredEx

    KredEx was established in 2001 with the merging of the Export Credit and Guarantee Foundation, Enterprise Credit Foundation, and Foundation Eesti Eluase. At the end of 2009, the KredEx affiliate AS KredEx...

  • 2012-06-04 12:16:00

    Lisainfo

     Tehnoloogialaen uudistes

  • 2012-06-04 10:01:00

    Energy efficiency in apartment buildings

    Most buildings in Estonia are energy inefficient. The average annual heating energy used in the buildings is 200-400 kWh/m² compared to the figure in industrial nations with a similar climate which is only 150-230...

  • 2012-05-31 11:42:00

    Fund KredEx

    Fund KredEx was founded in year 2001 by the Ministry of Economic Affairs and Communications with a purpose to improve financing possibilities of enterprises, manage credit risks connected with export, enable people...

  • 2012-05-31 11:08:00

    Parking at Hobujaama 4 next to the building

    Price of parking: SÜDALINN (Centre public paid parking area): 0.08€ per minute or 4,8€/hour.Paid parking: 24h, every day.

  • 2012-05-31 11:07:00

    Location and parking

  • 2012-05-31 11:05:00

    Parking building of Viru Keskus

    (Viru väljak 4/6)Entrance from the side towards Narva street.Price of parking: 2€/h, 1€ per every started 30 minutes.The parking lot is open every day, 24h a day.  

  • 2012-05-31 11:04:00

    Underground parking lot of Coca-Cola Plaza

    Hobujaama 5Entrance from the side towards Hobujaama Street.Price of parking: 3.6€/h, 0.9€ per every started 15 minutes.The parking lot is open every day from 08.00 a.m. to 11.00 p.m.  

  • 2012-05-31 10:56:00

    Kontaktid

    Fund KredExHobujaama 4, 10151 Tallinnph +372 667 4100kredex[at]kredex.eeKredEx Credit Insurance LtdHobujaama 4, 10151 Tallinnph +372 667 4100krediidikindlustus[at]kredex.ee

  • 2012-05-31 10:36:00

    Contacts

    Please read the start-up loan terms and consult our customer account managers if necessary. 

  • 2012-05-30 09:54:00

    Necessary documents and additional material

    DocumentsApplication form of technology loan (to be filled by the customer account manager at the bank) Table of financial forecastsAdditional materialGeneral terms of technology loan 

  • 2012-05-30 09:54:00

    How to apply for the technology loan?

    To apply for the technology loan, firstly it is necessary to contact a bank or leasing company to obtain a decision regarding the issuing of a bank loan or leasing.In the event of a positive decision of the bank or...

  • 2012-05-30 09:51:00

    For whom is technology loan designed?

    Technology loan is designed for export-oriented enterprises in the areas of processing industry, mining industry, production, transfer and distribution of electrical energy and waste processing and disposal, investing...

  • 2012-05-29 10:38:00

    Necessary documents and additional material

    Documents Application form of start-up loan (to be filled by the customer account manager at the bank) Additional material General terms of start-up loan

  • 2012-05-29 10:38:00

    What are the main requirements to an applicant?

    Not more than three years have passed from registration of the entrepreneur in the commercial registerThe equity of the entrepreneur meets the requirements established in the Commercial CodeThe owners of the...

  • 2012-05-29 10:36:00

    How to apply for the start-up loan?

    In order to apply for the start-up loan it is necessary to contact a bank that will forward the application to KredEx. Having received all the information necessary for decision-making, KredEx issues a decision...

  • 2012-05-29 10:35:00

    For whom is start-up loan designed?

    The start-up loan with KredEx guarantee is suitable for starting enterprises and those having operated for up to three years for financing of investments and operating capital.The start-up loan helps if there are...

  • 2012-05-25 10:25:00

    Contacts

     

  • 2012-05-03 15:44:00

    KredEx Credit Insurance and UniCredit concluded a cooperation agreement

    Today, KredEx Credit Insurance Ltd and the Estonian Affiliate of UniCredit Bank signed an agreement of cooperation, which provides an opportunity to the bank’s customers to use financing of claims with...

  • 2012-04-30 14:44:00

    From today, it is possible to apply for reconstruction grants for private houses

    Today, on April 30th, KredEx shall start to accept reconstruction grant applications of private houses. It is possible to apply for the grant to reconstruct a small house and implement equipment of renewable energy....

  • 2012-04-13 15:51:00

    The state shall continue supporting families with many children

    On Monday, April 16th, KredEx will start to receive applications for home grant aimed at families with many children.“I am glad that also this year several Estonian families with many children will have an...

  • 2012-04-11 10:19:00

    KredEx and Pohjola Bank shall commence cooperation in financing of companies

    KredEx concluded a cooperation agreement with the Estonian Affiliate of Pohjola Bank Plc., according to which enterprises taking loans from Pohjola Bank Plc. can use the loan guarantee of KredEx similarly to the...

  • 2012-04-03 15:45:00

    Risks undertaken in the years of crisis are reflected in the results of KredEx

    The gross profit of core activity of Foundation KredEx increased by 7.1% last year, whereas risks connected with realisation of guarantees increased, and the year ended with a loss of 3.2 million euros (loss of year...

  • 2012-03-19 16:56:00

    A campaign introducing renovation possibilities of apartment buildings has started

    Today, information campaign of KredEx “Bring your home to the 21st century!” started, the purpose being increasing of awareness on possibilities for renovation of apartment buildings among people. According to...

  • 2012-02-16 11:07:00

    Locations of quick charging points for electric cars have been decided

    Today, KredEx published a list of quick charging points for electric cars, including the locations of 160 quick chargers. The locations of quick charging points are available in the web page of KredEx, more locations...

  • 2012-02-14 10:16:00

    The Start-Up Loan of KredEx is supporting the expansion of Alfred & Partners

    KredEx is guaranteeing the Start-Up Loan of Alfred & Partners Ltd producing speakers under brand Estelon, helping the company increase the production capacity.The interest of customers in Estelon speakers quickly grew...

  • 2012-02-13 14:41:00

    KredEx supports drafting of building designs by 90%

    Today, KredEx opened a support measure of drafting of building design and owner supervision, the purpose of which is to support complete renovation of apartment buildings. The grant covers 90% of the costs of...

  • 2012-02-08 15:55:00

    The risk portfolio of KredEx Credit Insurance increased over three times

    The risk portfolio of KredEx Credit Insurance offering payment risk insurance to enterprises increased to 102 million euros by the end of year 2011.Insurance agreements were concluded with 36...

  • 2012-02-02 14:02:00

    KredEx financed the renovation of 167 apartment buildings with the renovation loan

    Last year, Swedbank and SEB Bank issued the renovation loan of KredEx with favourable interest rate to 167 apartment buildings, in total amount of 16.7 million euros. The average loan amount allocated was 100...

  • 2012-01-30 15:50:00

    With the support of the Start-Up Loan of KredEx, starting enterprises invested 1.54 million euros

    Last year, KredEx provided guarantees of 1.15 million Euros to the Start-Up Loan of 68 enterprises. The support of KredEx made it possible for the starting enterprises to obtain financing from banks in total amount of...

  • 2012-01-19 10:17:00

    KredEx financed drafting of building designs with 274,000 euros

    Last year, KredEx issued grants for drafting building designs to 350 apartment buildings in total amount of 274,000 euros. In comparison to year 2010 the number of issued grants has increased more than twice.“As...

  • 2012-01-17 10:10:00

    The number of enterprises having used KredEx guarantees increased by 12% over a year

    Last year, KredEx provided guarantees of 52 million Euros to the financial liabilities of 454 enterprises. The support of KredEx made it possible for enterprises to include additional financing from banks in the...

  • 2012-01-05 14:19:00

    With the support of KredEx, apartment buildings invested 26 million Euros into renovation within one year

    Last year, 202 apartment buildings submitted applications for reconstruction grant to KredEx, of which 193 apartment buildings obtained a positive decision in the amount of 5.82 million Euros. In total, last year...

  • 2011-12-07 11:40:00

    The tender of ABB was proclaimed successful in the procurement for quick charging network and operator service

    The tender submitted by ABB AS was proclaimed successful in the procurement for quick charging network of electric cars and its operator service announced by Foundation KredEx in the middle of August.The price of the...

  • 2011-11-29 11:46:00

    Defendec develops wireless sensor network technology with the help of KredEx

    KredEx will guarantee a loan of Defendec OÜ producing monitoring systems. The loan will be used for the development of wireless sensor network Smartdec.Smartdec monitoring system is unique in the world, including a...

  • 2011-11-28 11:43:00

    Two years have passed since the state insurance company was founded

    Two years ago, the foundation meeting of KredEx Krediidikindlustus took place by which a state enterprise offering credit insurance to local enterprises was founded.Within the two-year period of operation, the company...

  • 2011-11-22 11:44:00

    With the support of KredEx and PRIA, cellulose wool will be produced in Võrumaa

    At the beginning of December, Inku Kapitali OÜ will open a factory in Antsla to produce cellulose wool “Werro Wool”. The leasing of the purchased equipment is guaranteed by KredEx and the construction of the...

  • 2011-11-11 11:45:00

    The access of small companies to funding has considerably improved

    Within the ten months of this year, KredEx has guaranteed the financial obligations of 375 enterprises in the amount of 40 million Euros, which has made it possible for companies to include loans, leasing and bank...

  • 2011-11-10 22:14:00

    The average energy saving of renovated apartment buildings is 37%

    Information of KredEx shows that the average energy saving of apartment buildings having undertaken renovation with the help of reconstruction grant offered since September last year is 37%. A total of 270...

  • 2011-10-24 10:10:00

    A campaign introducing renovation possibilities of apartment buildings is starting

    Information campaign of KredEx “We believe that renovation is feasible for every association!” with a purpose to increase the awareness of possibilities for renovation of apartment buildings among people started...

  • 2011-09-27 09:05:00

    Reconstruction grant was allocated to 200th apartment building

    Apartment association Kehtna Suvi in Kehtna is the 200th apartment building for which reconstruction grant has been allocated by decision of KredEx. From September last year a total of 237 applications have been...

  • 2011-09-23 16:47:00

    ABB won the purchase and installation procurement of standard charging devices for electric cars

    The winner of the purchase and installation procurement of standard charging devices for electric cars for social workers of local municipalities announced by Foundation KredEx at the beginning of July was ABB AS.The...

  • 2011-09-13 10:40:00

    Entrepreneurs are paying greater attention to credit insurance

    According to Meelis Tambla, Chairman of the Board of AS KredEx Credit Insurance Ltd, a company having operated for over a year, the market has received the state insurance company well and the awareness of...

  • 2011-09-06 11:23:00

    The interest of apartment buildings in reconstruction grant has increased

    In August, 32 applications for reconstruction grant were submitted to KredEx, a decision for allocation of the grant was made for 42 apartment buildings, in total amount of 1,261,175.64 Euros. From September last year...

  • 2011-08-24 13:43:00

    Experts of housing and town planning from all over the world are gathering in Tallinn

    KredEx in cooperation with IFHP (International Federation for Housing and Planning) will organise the 55th annual congress of IFHP in Tallinn on September 11th to 14th 2011 on topic “Influence of Housing and...

  • 2011-08-18 14:58:00

    KredEx announced procurement for the purchase of quick charging network of electric cars

    Today, KredEx announced an open procurement proceeding for the purchase of quick charging network of electric cars and operator service for that.The purpose of the procurement is to purchase about 200 quick chargers...

  • 2011-08-12 10:53:00

    Today, information campaign for purchase grant of electric car begins

    Today, information campaign for purchase grant of electric cars begins, the purpose of which is the promotion of the grant scheme of electric car and implementation of those among the Estonian inhabitants.The...

  • 2011-08-03 10:42:00

    The interest of apartment buildings in energy audit has increased

    In comparison to last year, within the first six months of this year apartment buildings have more actively applied for the grant from KredEx for drafting energy audits.If last year the total number of grants for...

  • 2011-07-28 15:07:00

    The need for loan guarantee of KredEx is continually great

    Within the first six months of this year, KredEx has guaranteed the financial obligations of 231 enterprises in the amount of 27 million Euros, which has made it possible for companies to include loans, leasing and...

  • 2011-07-18 16:27:00

    KredEx is starting the acceptance of applications for grant for electric cars

    From today, foundation KredEx is accepting applications for grants for purchase of electric cars. Private and legal persons may apply for the grant, and the grant amount is up to 50% of the price of the electric car...

  • 2011-07-15 14:53:00

    KredEx has issued renovation grants to 115 apartment buildings

    Within the first six months of the year, KredEx has issued renovation grants to 64 apartment buildings in the total amount of 1,848,419 Euros. From September of last year, a total number of 115 apartment buildings...

  • 2011-07-07 13:08:00

    KredEx announced a public procurement for the purchase and installation of standard charging equipment of electric cars

    The purpose of the procurement is to purchase 507 standard chargers of electric cars with installation. Applications shall be submitted latest by August 29th, 2011 at 10.00 a.m. at Hobujaama 4, 10151...

  • 2011-07-05 09:40:00

    The growth of export has considerably increased the interest of enterprises in credit insurance

    During the first six months of this year, KredEx Credit Insurance Ltd has collected twice as many insurance premiums as during the same period of last year.“Evaluation of foreign buyers’ solvency and...

  • 2011-07-04 11:05:00

    KredEx announced a tender for the design of network connections for charging points of electric cars

    KredEx announced a public tender for the design of network connections for charging points of electric carsThe purpose of the public proceedings is to find a designer for all-Estonian charging points of electric...

  • 2011-06-17 10:23:00

    KredEx announced a public tender for selection of charging points of electric cars in towns

    The purpose of the public tender carried out by KredEx is to determine the locations of charging points of electric cars and find contract partners in larger towns for establishment of charging points to cover the...

  • 2011-06-17 10:23:00

    In September, KredEx will organise an international conference on housing and town planning

    Foundation KredEx in cooperation with IFHP (International Federation for Housing and Planning) will organise an international congress in Tallinn on September 11th to 14th 2011 on topic “Influence of Housing and...

  • 2011-06-14 13:37:00

    According to a survey, the greatest problem of wooden buildings is incomplete renovation solutions

    According to the survey of wooden buildings carried out by the Tallinn Technical University by order of KredEx the state of Estonian wooden buildings that are mainly located in various areas of cultural and...

  • 2011-06-09 17:12:00

    Guarantors of enterprise loans from all around the world are meeting in Tallinn

    From June 8th to 10th, AECM (The European Association of Mutual Guarantee Societies) in cooperation with KredEx and IFC (International Finance Corporation, World Bank Group) will hold a series of events the main topic...

  • 2011-06-09 17:11:00

    It is possible to apply for the technology loan of KredEx also from Swedbank

    As of today, it is possible to apply for the KredEx subordinated loan designed for technology investments also from Swedbank. The technology loan covers the self-financing of a leasing or loan for the entrepreneur,...

  • 2011-06-03 16:48:00

    KredEx announced a public tender for selection of charging points of electric cars in towns and villages

    The purpose of the public tender carried out by KredEx is to determine the locations of charging points of electric cars and find contract partners for establishment of charging points to cover the Republic of Estonia...

  • 2011-06-01 08:15:00

    KredEx announced a public tender for selection of charging points of electric cars on roads

    The purpose of the public tender carried out by KredEx is to determine the locations of charging points of electric cars and find contract partners for establishment of charging points to cover the roads of the...

  • 2011-05-26 11:40:00

    Reconstruction grant is now expanded to project management

    From May 23rd, an amendment of a directive of the Ministry of Economic Affairs and Communications entered into force by which the terms of reconstruction grant for the buildings applying for it are changed....

  • 2011-05-26 11:39:00

    KredEx will start to finance investments into machines and devices

    In cooperation with leasing companies and banks, KredEx will start offering subordinated loan for technology investments that covers the self-financing of a leasing or loan for the entrepreneur, and the entrepreneur...

  • 2011-05-16 17:29:00

    The official name of KredEx has changed

    From May 11th, 2011, the Export Guarantee Fund KredEx has an official name Fund KredEx. Due to the transfer of export guarantee activities to KredEx Credit Insurance Ltd and addition of other fields of activity...

  • 2011-05-09 17:14:00

    The winners of three-dimensional design idea competition for Rakvere Linnametsa housing district were decided

    At an open event in Project Room März on May 4th, the winners of three-dimensional idea competition for Rakvere Linnametsa housing district and the authors of the designs were announced. By the competition, Rakvere...

  • 2011-04-27 15:00:00

    90 apartment buildings have applied for renovation grant from KredEx

    As of yesterday, KredEx has received 90 applications in total amount of nearly 1.9 million Euros. 77 positive decisions have been made in the amount of over 1.6 million Euros, of which a grant of 35% has been decided...

  • 2011-04-21 15:42:00

    New loan opportunities open up for exporting companies

    On today’s government sitting, draft legislation was approved by which a loan measure “Subordinated loan programme” funded from structural funds shall be created for exporting companies. The “Subordinated...

  • 2011-04-20 17:44:00

    KredEx will start to support the purchase of electric cars

    In the beginning of March, the Government of the Republic of Estonia decided to conclude a contract with Mitsubishi Corporation for the sale of AAUs in the amount of 10 million AAUs to start the Estonian electrical...

  • 2011-04-20 15:41:00

    It is now possible to apply for the start-up loan of a starting entrepreneur also from Nordea Bank

    From April 18th, a starting entrepreneur may apply for start-up loan with KredEx guarantee also from Nordea Bank. The start-up loan of KredEx is meant for small and medium-sized starting enterprises and those having...

  • 2011-04-19 16:01:00

    In 2010, KredEx financed projects of 470 entrepreneurs and helped more than 800 households acquire a home

    In 2010, KredEx guaranteed and financed 470 enterprises with subordinated loan and credit line in total amount of 108.6 million Euros. The support of KredEx made it possible for companies to include additional...

  • 2011-04-18 14:50:00

    290 families with many children are receiving the state home grant

    Foundation KredEx finished the conclusion of contracts with 290 families with four and more children, who receive home grants this year from the state to improve their living conditions in total 2.25 million...

  • 2011-04-04 15:48:00

    Finalists of Estonian contest Ajujaht reached the finals of the international contest of business ideas in Seoul

    Three out of ten business ideas that reached the finals of the business contest MIT Global Startup Workshop brought to life by the reputable MIT (Massachusetts Institute of Technology) originated from Estonia and were...

  • 2011-03-16 08:54:00

    KredEx and partners of KredEx support the entrepreneurship of young people

    On the occasion of the 10th birthday of KredEx, donations were collected in the amount of 2,240 Euros with the help of which an educational programme about social entrepreneurship will be offered to almost 150 young...

  • 2011-03-11 14:54:00

    KredEx, Rakvere town and the Union of Estonian Architects announce an architectural competition for young people

    KredEx, Rakvere town and the Union of Estonian Architects announce a three-dimensional design competition of Rakvere Linnametsa housing district for young architects and students of architecture. The competition is...

  • 2011-03-09 16:15:00

    Only 28% of apartment buildings have carried out an energy audit

    The results of apartment building renovation survey performed by the order of KredEx show that an energy audit necessary for a complete and considered renovation has been carried out for only a little more than one...

  • 2011-03-02 15:39:00

    KredEx reached its 10th year of operation

    KredEx launched in year 2001 reached its tenth year of operation. The operation of KredEx has shown good results and been full of development, which is expressed by constant growth of profits and volumes of portfolio,...

  • 2011-03-02 15:38:00

    In ten years KredEx has helped to finance Estonian companies with 472 million Euros

    Since year 2001, a total amount of 472 million Euros has been issued to 2,150 companies by loan guarantees and subordinated loans of KredEx. During the above stated period, KredEx has guaranteed export transactions of...

  • 2011-03-02 15:33:00

    KredEx has helped more than 21,000 households to acquire a home, and to renovate more than 700 houses

    From year 2000, when KredEx started to issue housing loan guarantees, 13,673 young families, 7325 young specialists and 69 tenants of restituted houses have improved their housing conditions, which makes a total of...

  • 2011-02-17 20:48:00

    According to a survey completed with the support of KredEx, the main problems of country houses are damages to shells of buildings and bad internal climate

    According to a survey conducted by the order of KredEx and by the financing of KredEx, NGO Vanaajamaja and Tallinn Technical University, the main problems of log houses in country areas include damages to building...

  • 2011-02-01 13:19:00

    In year 2010, 135 apartment buildings were fixed with the help of KredEx renovation loan

    In year 2010, banks issued 135 renovation loans for apartment buildings with KredEx guarantee totalling 178 million kroons (11.4 million Euros). The average loan amount was 1.3 million kroons (84 thousand Euros),...

  • 2011-01-26 14:59:00

    KredEx has guaranteed more than 21,000 housing loans

    From year 2000, when KredEx started to issue housing loan guarantees, 13,640 young families, 7,300 young specialists and 69 tenants of restituted houses have improved their housing conditions, which makes a total of...

  • 2011-01-26 14:57:00

    With the help of KredEx, Estonian enterprises were financed by 2 billion kroons last year

    In year 2010, a total amount of 2 billion kroons (127 million Euros) were issued to 400 enterprises with the help of KredEx loan guarantees and subordinated loans, which is approximately 30% more than a year before....

  • 2011-01-10 10:38:00

    The role of KredEx in the development of Estonian economy

    Andrus Treier,  Chief Executive Officer A company with good potential finds financing opportunities also in difficult situationsSuccessful performance of the Estonian society greatly depends on the success of...

  • 2010-12-29 16:44:00

    From the new year, start-up loan can be applied for directly from the bank

    From the new year, a starting entrepreneur can apply for a start-up loan with KredEx guarantee only directly from the bank. So far it was possible to apply for start-up loan also by intermediation of Enterprise...

  • 2010-12-23 16:45:00

    According to a survey conducted by Tallinn Technical University, the greatest problem of brick apartment buildings includes envelope structures and bad internal climate

    The purpose of the survey conducted by Tallinn Technical University by order of KredEx and the Ministry of Economic Affairs and Communications was to map out and identify the constructional-technical state of...

  • 2010-12-21 17:38:00

    According to a survey ordered by KredEx, the greatest problem of renovated buildings is bad internal climate

    By order of KredEx, a survey “Constructional-physical state of renovated buildings having been in use for at least one year” conducted by Estonian Union of Cooperative Housing Associations and Tallinn Technical...

  • 2010-12-08 11:34:00

    KredEx web page is being updated

    We apologize for any inconvenience.  

  • 2010-11-29 15:32:00

    Increase of the KredEx guarantee limit enables entrepreneurs to have additional financing

    Tomorrow, a draft of State Support of Enterprise and State Loan Guarantees Act approved by Riigikogu on November 11th shall enter into force, which shall increase the limit of enterprise loan guarantees from 1.5...

  • 2010-11-12 15:54:00

    KredEx concluded a cooperation agreement with the Estonian affiliate of UniCredit Leasing

    Today, on November 11th, the Estonian affiliate of SIA UniCredit Leasing and KredEx signed a cooperation agreement by which companies applying for leasing from the Estonian affiliate of UniCredit Leasing can use the...

  • 2010-11-09 11:13:00

    Energy Saving Week focuses on energy saving of buildings

    From November 8th to 12th, the Energy Agency of Tartu Region in cooperation with KredEx, Eesti Energia, Estonian Union of Cooperative Housing Associations, SEI Tallinn, Tartu Science Park and Climate and Energy Agency...

  • 2010-10-19 17:11:00

    AECM: Guarantee schemes in support of SME finance during the recovery

    On 7th October 2010 the European Association of Mutual Guarantee Societies (AECM, see annex), representing 34 member from 18 countries with a total of over €70 billion guarantees in portfolio, held its annual...

  • 2010-09-15 16:33:00

    A book about energy consumption and internal climate of buildings was issued with the support of KredEx

    By initiative of Eesti Kütte- ja Ventilatsiooniinseneride Ühendus and with the support of KredEx, a book “Energy Need and Internal Climate of Buildings” was first published in Estonian. The authors of the book...

  • 2010-09-15 16:33:00

    A book about energy consumption and internal climate of buildings was issued with the support of KredEx

    By initiative of Eesti Kütte- ja Ventilatsiooniinseneride Ühendus and with the support of KredEx, a book “Energy Need and Internal Climate of Buildings” was first published in Estonian. The authors of the book...

  • 2010-09-01 09:52:00

    276 families with many children shall receive home grants

    The state shall allocate a total of 35 million kroons of home grants for families with four or more children. The average grant amount is 100,181 kroons, the largest number of applications was satisfied from...

  • 2010-08-19 14:35:00

    The credit insurance company has concluded the first insurance contracts with Estonian companies to manage their credit risks both for export and in the home market

    As of the beginning of August, several Estonian companies have turned to the new credit insurance company that started its operations in July, and insured credit risks connected with their business partners in the...

  • 2010-07-28 15:57:00

    KredEx and BIGBANK shall commence cooperation in financing of companies

    On July 12th AS BIGBANK and KredEx signed a cooperation contract, according to which companies applying for a loan in BIGBANK shall have an opportunity to use the loan guarantee of KredEx, similarly to the customers...

  • 2010-07-01 14:40:00

    From today, limited company KredEx Credit Insurance shall issue state export guarantees

    By an order of the Government of the Republic, as of July 1st, the right to issue state export guarantees was given to limited company KredEx Credtit Insurance founded with state participation in 2010.From...

  • 2010-06-14 14:17:00

    Members of the network of financing establishments for European small enterprises met in Tallinn

    On Thursday, June 10th, members of NEF (network of financing establishments for European small and medium-sized enterprises) from 12 member organisations met in Tallinn.The main topic of the meeting was evaluation of...

  • 2010-06-08 10:02:00

    It is possible to see the heating cost of neighbouring building with the help of heating map

    KredEx has created an interactive map application, which according to geographical coordinates displays locations of apartment buildings on the map of Estonia, from where it is possible to see the information of...

  • 2010-06-04 11:49:00

    736 families are applying for home grant for families with many children

    On May 31st, the acceptance of applications for home grant for families with many children ended. Until today, a total number of 736 applications in the amount of 71.7 million kroons were received by KredEx. The...

  • 2010-05-27 15:49:00

    KredEx Credit Insurance obtained insurance license from the Estonian Financial Supervisory Authority

    On May 26th, the Estonian Financial Supervisory Authority issued insurance license to KredEx Credit Insurance Ltd (KredEx Krediidikindlustus AS). This state owned new insurance company will help...

  • 2010-05-25 10:57:00

    Accepting of home grant applications of families with many children shall end in one week

    KredEx informs that the applications for home grant aimed at families with many children shall be accepted until May 31st. At the moment, KredEx has received 182 applications. The largest number of applications...

  • 2010-05-20 10:54:00

    Entrepreneurs’ need for loan guarantees of KredEx is continually great

    During the first four months of year 2010, the volume of loan guarantees issued to companies by KredEx was 334 million kroons, which made it possible for 128 companies to include financing from banks in the total...

  • 2010-04-28 10:52:00

    KredEx is once again beginning to support families with many children

    From today, KredEx is starting to receive applications for home grant aimed at families with many children. A national non-returnable grant allocated by the Ministry of Economic Affairs and Communications is meant for...

  • 2010-04-28 10:52:00

    Juhan Parts: We need to ensure good living conditions for families with many children

    By a decision signed on Monday by Juhan Parts, the Minister of Economic Affairs and Communications, a new application round for home grants for families with many children is opened today. The goal of the grant is to...

  • 2010-04-05 13:51:00

    In 2009, KredEx issued loan guarantees, direct loans and guaranteed export for up to 1.8 billion kroons in total

    Last year the volume of loan guarantees, direct loans and guaranteed export issued by KredEx was 1,833 million kroons in total. Enterprise loan guarantees were issued for 804 million kroons and loans for 473 million...

  • 2010-03-21 14:06:00

    KredEx is moving to the office building at Hobujaama St 4.

    On March 22 KredEx will relocate to the 3rd floor of the office building in Hobujaama 4.The new postal address of KredEx is Hobujaama 4, 10151, Tallinn, Estonia and the general phone number is +372 667 4100....

  • 2010-03-18 16:18:00

    Clients must be notified 3 months in advance about the interruptions in central heating

    Government approved the draft legislation, presented by Ministry of Economic Affairs and Communications, which states that during the heating period the clients must be notified at least 90 days in advance about the...

  • 2010-03-04 14:47:00

    Interest of entrepreneurs in the export guarantees of KredEx is continually increasing

    In 2009, in regard to export guarantees, KredEx continually focused on offering of short-term guarantees with so-called non-marketable risks, i.e. at the direction of countries not belonging to the...

  • 2010-02-09 16:18:00

    In 2009 65 apartment building were fixed using the KredEx renovation loans

    Since July 2009. banks issued 65 KredEx renovation loans with favorable interest in the total amount of 72 million kroons. The average loan amount was 1.1 million kroons, the area of the average house was 2,382 m²...

  • 2010-01-29 15:24:00

    KredEx has provided guarantees for more than 20,000 housing loans

    KredEx has provided guarantees for housing loans since the year 2000. During this period, 13,242 young families, 6,865 young specialists and 69 tenants residing in restituted houses (i.e. over 20,000 households in...

  • 2010-01-11 12:13:00

    Volume of KredEx enterprise loan guarantees has more than doubled

    Last year the volume of loan guarantees issued by KredEx was 805 million kroons, enabling 369 companies to include the financing from the banks in the sum of 1.5 billion kroons. In comparison with the year 2008 the...

  • 2009-12-29 12:17:00

    Business policy application plan injects into economy 1.9 billions

    Estonian Government approved on Tuesday the business policy application plan for the next year. Companies get more than 1.9 billion kroons as grant sums.According to the Ministry of Economics and Communications Mr....

  • 2009-12-28 10:27:00

    KredEx will issue a line of credit for exporting enterprises in the amount of 1.2 billion kroons

    As the last measure of the state support package, a line of credit will be opened this week by KredEx in order to issue long-term loans to exporting enterprises in cooperation with banks. Today, on December 22, KredEx...

  • 2009-12-07 13:51:00

    A free information seminar for the representatives of apartment buildings will be held on Wednesday

    On December 9, KredEx, in cooperation with the Tallinn University of Technology, is organizing an information seminar for representatives of apartment buildings, called „The Condition of Apartment Buildings and...

  • 2009-12-02 15:08:00

    The percentage of housing loans with the KredEx guarantee was almost 14% in October

    As of the end of October, banks have issued housing loans in the total amount of 514 million kroons with the KredEx guarantee this year. While the volume of the loans granted with the KredEx guarantee was 63.5 million...

  • 2009-11-26 18:20:00

    Mr Meelis Tambla will be the General Manager of KredEx Credit Insurance Inc (Kredex Krediidikindlustus AS)

    Today, on November 26, a memorandum of association of Kredex Credit Insurance Inc and the insurance company’s managers were acknowledged at the notary’s. KredEx Credit Insurance Inc will be managed by Mr Meelis...

  • 2009-11-06 13:23:00

    An open doors day next to the renovated energy-efficient sample apartment building

    KredEx organizes an open doors day on November 15th at 2 p.m. in Tallinn, next to the renovated energy-efficient sample apartment building at Paldiski mnt 117. An information tent will be set up and specialists...

  • 2009-10-29 14:43:00

    The State Export Guarantee Act decreases risks on export transactions

    On Thursday, Riigikogu approved the State Export Guarantee Act, which decreases risks on extensive export transactions, increases the export turnover of companies and increases the competitive strength of Estonian...

  • 2009-10-29 10:35:00

    The State Insurance Company shall help to decrease export risks

    On Thursday, the government gave the Minister of Economic Affairs and Communications Juhan Parts an authorisation to found a public limited company with state participation called KredEx Krediidikindlustus, which...

  • 2009-10-27 15:48:00

    Start-up entrepreneur can apply for loans of up to one million kroons on favorable terms

    A start-up entrepreneur and an entrepreneur who has been active up to 3 years can apply for a start-up loan with the guarantee by KredEx for 1,000,000 kroons instead of the 500,000 kroons so far. 500,000 kroons of...

  • 2009-09-12 13:58:00

    In November, KredEx will organise an energy efficiency week

    In cooperation with Ministry of Economic Affairs and Communications, Eesti Energia, the Estonian Union of Apartment Associations, SEI, Tallinn City Government, Tartu Science Park and Tartu Regional Energy Agency,...

  • 2009-09-11 10:20:00

    Estonia will get an energy and climate agency

    Estonia shall create its own energy and climate agency, the purpose of which is a decrease in the energy costs of its inhabitants and revival of the real estate sector by supporting of energy efficient buildings.Also,...

  • 2009-07-31 13:45:00

    The housing loan guarantee of KredEx can also be applied for from DnB NORD Bank

    KredEx and DnB NORD Bank concluded a cooperation agreement according to which KredEx shall guarantee the housing loans of the bank’s customers. With the help of the housing loan guarantee of KredEx it is possible to...

  • 2009-07-22 11:47:00

    KredEx concluded a cooperation agreement with LHV Bank

    Yesterday, on July 20th, LHV Bank Ltd and KredEx signed a cooperation agreement according to which the companies that obtain loans from LHV Bank can use the loan guarantees of KredExKredEx shall guarantee 75% of the...

  • 2009-07-01 11:58:00

    Visit us

    Hobujaama 4, 10151 Tallinn, Estonia

  • 2009-06-04 14:03:00

    KredEx and NASDAQ OMX Tallinn stock exchange will start co-operation in business development

    Today, on June 4th, KredEx and NASDAQ OMX Tallinn signed a co-operation memorandum with the goal of developing the Estonian capital market further and offering additional financing opportunities mostly to small and...

  • 2009-05-25 13:18:00

    KredEx brings to the market a new long-term renovation loan for apartment buildings with advantageous interest

    To make financing the renovation of apartment buildings easier, KredEx has developed in co-operation with German Development Bank KfW Bankengruppe and with the Ministry of Economics and Communications a long-term...

  • 2009-04-24 16:05:00

    336 families with many children will get a grant to improve their housing conditions

    In 2009 the Ministry of Economic Affairs and Communications allocated additional 46.3 million kroons (incl. the income tax) out of state budget funds for KredEx as a grant for families with many children to improve...

  • 2009-04-06 09:10:00

    Weight of housing loans issued with KredEx guarantees increased to 5.9%

    As of the end of 2008, volume of the KredEx housing loan guarantee portfolio amounted to 608 million kroons. KredEx loan guarantee in the amount of 122 million kroons was used by 899 young families, in the amount of...

  • 2009-03-19 16:45:00

    Interest of entrepreneurs for the export guarantees of KredEx has significantly increased

    In year 2008, 151 applications for export guarantees were submitted to KredEx, and as of the end of the year, new export guarantee agreements were concluded with 38 exporters for guaranteeing credit risks of 78...

  • 2009-03-19 16:39:00

    The volume of state loan guarantees will double

    Today the government approved an amendment to the Support of Enterprise and State Loan Guarantees Act by which the amount of loan guarantees will be increased, and also large enterprises will be given an opportunity...

  • 2009-03-19 16:38:00

    KredEx increased the credit limit for companies

    The council of KredEx that assembled on Wednesday, approved the possibility to provide loan, lease and bank guarantee guarantees in the total amount of 30 million kroons per company; previously the maximum amount was...

  • 2009-03-16 15:28:00

    Guarantees of enterprise loans were issued by KredEx for more than EEK 360 million

    In 2008, the volume of guarantees of enterprise loans issued by KredEx was EEK 357 million in total, i.e. 2% more than during the previous year.“Taking into account economic developments and, above all, the...

  • 2009-03-04 15:56:00

    The state is abolishing Kredex’s restrictions for corporations

    The Ministry of Economic Affairs and Communications sent the draft Act for an approval round, which should abolish Kredex’s current restrictions, due to which big corporations cannot apply for loan guarantees.During...

  • 2009-01-22 16:25:00

    The state supports business activities with four billion kroons

    Yesterday afternoon a workgroup, led by Minister Juhan Parts, gathered at the Ministry of Economic Affairs and Communications, discussing the public support package for financing Estonian export-companies that was...

  • 2009-01-13 16:45:00

    The state will establish a company to support export of enterprises

    On Friday, the Minister of Economic Affairs and Communications, Juhan Parts sent the draft for the State Export Guarantee Act for interministerial approval, pursuant to which a state company dealing with credit...

  • 2008-12-19 15:52:00

    The standardized state guarantee for KredEx guarantee makes granting loans to companies easier

    Riigikogu (parliament of Estonia) passed the amendment of the Support of Enterprise and State Loan Securing Act, which starting from December 19th gives to KredEx guarantees a clear and unambiguous status of a state...

  • 2008-12-19 08:32:00

    From the new year, the buyer or tenant of a building may demand an energy-performance label from the seller

    Today, the Minister of Economic Affairs and Communications Juhan Parts signed a regulation “The Form and Authorization Procedure of the Energy-performance Label”, which allows the buyer or tenant of the building...

  • 2008-11-07 15:54:00

    KredEx supported the purchase of a new vessel

    Lindaliini AS has bought a new high-speed catamaran with 400 passenger seats. The name of the vessel will be Karolin and she will operate between Tallinn and Helsinki in 2009 together with her sister vessel Merilin....

  • 2008-11-04 12:00:00

    KredEx started their next publicity campaign concerning energy efficiency

    Starting from today, Kredex Energy Efficiency Consulting Centre (ESK) will carry out a two-week publicity campaign concerning energy efficiency “Put your House In Order!” The main goal of the campaign is to...

  • 2008-10-14 08:37:00

    Homepage aimed at residents of areas of cultural and environmental value is ready

    Since the beginning of October, residents of areas of cultural and environmental value can obtain the information regarding their residential area on the web page www.miljooala.eu. In order to notify the residents of...

  • 2008-09-24 08:47:00

    The Reception of the Applications for Housing Grants for Families with Many Children Will End in a Week’s Time

    KredEx informs that the applications for housing grants for families with many children will be accepted until September 30th. As of today, KredEx has received 815 applications and more than 1000 on-the-spot visits of...

  • 2008-08-14 16:57:00

    The weight of issuing housing loans with KredEx guarantee has increased

    During the first seven months of the current year, young families, young specialists and forced tenants have used KredEx guarantees to take housing loans from the banks in the total amount of 852 million kroons. With...

  • 2008-08-11 15:43:00

    Families with many children will still obtain housing grants

    Ministry of Economic Affairs and Communications: Press Release August 11, 2008 Families with four children and more can continually from KredEx Foundation apply for grant to improve their living conditions, the...

  • 2008-07-29 12:44:00

    Entrepreneurs coming short of working capital

    Within the first six months of the current year, entrepreneurs have borrowed 328 million EEK from banks using KredEx loan guarantee. 209 guarantee applications have been made, of which 167 have turned into agreements....

  • 2008-07-17 15:28:00

    A draft approved by the Government of Estonia makes borrowing more accessible for enterprises

    Purpose of the Draft amendment Act of the Support of Enterprise and State Loan Guarantees Act of Estonia, approved by the Estonian Government, is, compared to the valid Act, to specify the definition of state...

  • 2008-07-16 11:12:00

    Changes in the conditions of the home grants for families with many children

    According to the directive No. 250 of the Minister of Economic Affairs and Communications from 08.07.2008, there have been some changes in the instructions of the home grants for families with many children. More...

  • 2008-06-30 10:29:00

    KredEx will start supporting the families with many children

    From July 1, KredEx will start to accept home grant applications meant for families with many children. State non-repayable grant for improvement of housing conditions is meant for families with many children, where...

  • 2008-06-13 16:24:00

    The representatives of European guarantee organizations are going to meet in KredEx

    On June 16th the seminar of AECM - an association, connecting the European loan guarantee organizations – will be held in KredEx, in which 15 members of nine different countries (Germany, Portugal, Italy, Belgium,...

  • 2008-05-15 09:26:00

    KredEx is announcing a public procurement: Organisation of trainings for apartment owners and administrators

    Credit and Export Foundation KredEx is announcing a public procurement : Organisation of trainings for apartment owners and administrators on topic “ Increasing of Awareness to Improve the Housing Fund“ Offers...

  • 2008-04-30 13:48:00

    In 2007, KredEx issued loan guarantees and guaranteed export for up to 840 million EEK in total

    Last year the volume of loan guarantees and guaranteed export issued by KredEx was 840 million EEK in total. Enterprise loan guarantees were issued for 350 million EEK in total, and the volume of housing-related loan...

  • 2008-04-09 14:22:00

    Apartment buildings restituted during ownership reform will get grants

    KredEx reminds you that applications are still being received for the reconstruction works of apartment buildings restituted during the ownership reform. In 2007, the mentioned target group received 15 million EEK as...

  • 2008-04-07 14:23:00

    Grants will be given to the reconstruction works of apartment buildings built before 1940 or located in an area of cultural and environmental value

    KredEx reminds you that applications are still being received for the reconstruction works of apartment buildingsbuilt before 1940 or located in an area of cultural and environmental value. As of today, KredEx has...

  • 2008-04-07 14:21:00

    KredEx supports the reconstruction works of apartment buildings built before 1940 or located in an area of cultural and environmental value with 14.2 million EEK

    On April 28, KredEx will open the receipt of applications for the reconstruction works of apartment buildings built before 1940 (incl.) or located in an area of cultural and environmental value. Pursuant to the...

  • 2008-03-18 14:20:00

    To solve the housing problems of the social risk-groups, 11 local municipalities received grants in the amount on 17.8 million Estonian kroons

    The Minister of Economic Affairs and Communications Juhan Parts approved the municipalities that receive grants for the year 2007 to increase the municipal-rental housing foundation. To solve the housing problems of...

  • 2008-02-26 14:19:00

    Economic Affairs Committee of the Riigikogu visited KredEx

    Economic Affairs Committee of the Riigikogu visited KredEx. The aim of the meeting was to give an overview of the activities of KredEx, and of the provided guarantee and loan products. Among others loan surety,...

  • 2008-02-05 14:18:00

    Additional funds were allocated to KredEx to satisfy the applications for reconstruction works

    From the supplementary budget of the year 2007, 26 million kroons were allocated to KredEx to satisfy the applications for reconstruction works of apartment buildings received on September 17th, which were not...

  • 2008-02-04 14:16:00

    To solve the housing problems of the new labour force arriving to the district, 11 local municipalities received support in the amount on 5.1 million Estonian kroons

    The Minister of Economic Affairs and Communications Juhan Parts approved the municipalities that receive the support for the year 2007 to increase the municipal-rental housing foundation. To solve the housing problems...

  • 2007-12-11 11:15:00

    A provider of IT services expanded into the South African market with the help of KredEx

    Smartlink Terminal OÜ, whose main areas of activity are provision of the service of terminal workplaces to customers, creation of special solutions and development of strategies and visions in the field of IT,...

  • 2007-10-29 00:00:00

    The applications that were currently left out of the grant lists are not returned at present

    The applications that were currently left out of the grant lists of September 17th are not returned by KredEx at present. Currently the negotiations are being conducted with the Ministry of Economic Affairs and...

  • 2007-10-18 00:00:00

    During the next four years, entrepreneurs will receive almost 2.1 billion kroons

    Today, on October 18th, the Government of the Republic approved the application plan for the years 2008-2011 of the development plan "Estonian business policy 2007-2013", which specifies the use of almost 2.1...

  • 2007-10-12 00:00:00

    About renovating an apartment building in TV-programme "Nurgakivi"

    On Saturday, October 13th, the issue of energy efficient renovation of an apartment building will be touched upon in TV-programme "Nurgakivi". The same topic will be covered from different angles in 5...

  • 2007-09-20 00:00:00

    The list of those who will receive reconstruction grants

    On KredEx website a list of those, who applied for reconstruction grants on September 17th, and who will receive the grants from budget funds, is available. The applicants were lined up according to the...

  • 2007-08-27 00:00:00

    Receipt of support for reconstruction of apartment buildings will be opened on September 17th

    KredEx opens on September 17th its regular receipt of applications for support for reconstruction of apartment buildings. This time new recipients have been added, the conditions have been changed and therefore...

  • 2007-07-04 00:00:00

    KredEx signed a declaration of common interests for cooperation with development banks of other countries in regard to energy saving

    On July 4th in Berlin the General Manager of KredEx Andrus Treier signed a declaration of common interests in a cooperation meeting on energy saving issues with development banks of other countries. According to...

  • 2007-06-28 00:00:00

    The minister visited KredEx

    On Tuesday, June 26th, the Minister of Economic Affairs and Communications Juhan Parts visited KredEx. The main purpose of the visit was to get acquainted with the activity of KredEx. At the meeting also a...

  • 2007-05-24 00:00:00

    Velotaxo expands by KredEx to the Finnish market

    Velotaxo does business in Estonia already for the fourth year, providing in Tallinn city center the transportation, advertising and entertainment service by eye-catching and environmentally friendly velotaxi...

  • 2007-02-27 00:00:00

    An efficient helper to determine the energy consumption of a building

    In order to obtain maximum energy efficiency in any house or building, an energy audit has to be carried out there. To get the most accurate overview, the use of energy in a building during different periods has...

  • 2007-02-13 00:00:00

    High time to think of apartment building repair

    Ever-increasing heating costs and severe colds continue to increase the heating cost of apartment building dwellers. However, the dwellers do not have to give in to inevitability – the renovation of a building...

  • 2007-01-23 00:00:00

    Business purchase gains popularity

    When up to the present day the Estonian companies have been using the KredEx loan guarantee first of all for conducting their investments, e.g. procuring new devices or buildings, then at present the guarantee...

  • 2007-01-03 00:00:00

    There is a need for caution also with long-term foreign partners

    In 2006 KredEx paid to Estonian exporters 13 million kroons for indemnifications due to problems with foreign partners. During the period of its activity KredEx has paid 27 million kroons of export guarantee...

  • 2006-12-19 00:00:00

    Apartment buildings are allocated 48 million kroons for reconstruction work

    The Minister of Economy and Communication ratified the allocation of an additional 48 million kroons to KredEx to distribute grants to apartment buildings. Out of this sum 45 million is meant for reconstruction...

  • 2006-12-13 00:00:00

    Forced tenants will get aid from KredEx

    The local municipalities got from KredEx national grant to solve the issues related to forced tenants and new workforce arriving into their region. 2006. 9 local municipalities got their grant of 10.5 million...

  • 2006-11-29 00:00:00

    Specialists are in search of energy efficiency options for buildings

    Today, on November 29th, KredEx in cooperation with the Ministry of Economy and Communication is organising a conference "Energy Efficiency Options in Buildings". The conference will be held at the conference...

  • 2006-11-15 00:00:00

    Renovation of apartment buildings gains ground

    As of the end of the present October about 90 apartment buildings have been renovated with KredEx loan guarantee for 39 million kroons. In addition to apartment building loan, guarantee the reconstruction and...

  • 2006-11-01 00:00:00

    KredEx Energy Efficiency Consulting Centre helps the apartment buildings save their heating cost

    Last week KredEx started a social advertising campaign with the message: “How to save the heating cost?” The aim of the campaign is to enhance the awareness of residents in energy efficiency field, referring...

  • 2006-10-03 00:00:00

    Successful entrepreneurs can get an unsecured loan from KredEx

    Since today, October, 3 it is possible for the Estonian small-scale and medium companies to obtain an unsecured capital loan from KredEx. It is a totally new course of action for KredEx, for the foundation has...

  • 2006-09-13 00:00:00

    Employers get to know the risks of Eastern Europe

    On Thursday, September 14, an “Eastern-European Export Seminar” arranged by Hansa Liising and KredEx, will be held at Laulasmaa conference Centre. An overview of the peculiarity of the eastern market, risks...

  • 2006-09-08 00:00:00

    The percentage of housing loans with KredEx sponsorship has undergone a considerable decrease

    As of the end of August of 2006, young families and specialists have taken with the aid of KredEx loan guarantee in total 582 million kroons of housing loan from the banks. 797 young families and specialists...

  • 2006-09-04 00:00:00

    KredEx supports turning the apartment building more energy efficient with 1 million kroons

    KredEx chose within the BEEN (Baltic Energy Efficiency Network for Building Stock) project the winner of the Estonian apartment building competition “Refurbish your apartment building more energy efficient ”...

  • 2006-08-31 00:00:00

    Small and medium sized enterprises have invested over 2 billion kroons with the help of KredEx

    Since 2001 companies have invested more than 2 billion kroons into their business activity by KredEx loan guarantee. During the first seven months of 2006, Estonian small and medium sized companies have taken...

  • 2006-07-27 00:00:00

    IFHP Housing Party seminar 2005

    Renewing Estonian Housing Stock: Problems, Solutions and Challenges Tallinn Housing Policy Financial Mechanisms for Renovation of the Housing Stock Role of Public Support in Housing Sector of Estonia Housing...

  • 2006-07-11 00:00:00

    Housing grants for reconstruction are running out

    By today approximately 120 000 kroons has remained from the stage budget, in order to issue housing grants for reconstruction. Due to the running out of financial sources received from the state budget, KredEx...

  • 2006-07-10 00:00:00

    Minister confirmed the support measures for local municipalities

    The Ministry of Economic Affairs and Communication confirmed the names of the municipalities that receive support for the enlargement of local rent housing fund. This year 13 municipalities received the support...

  • 2006-06-08 00:00:00

    KredEx is looking for a project manager for energy efficient renovation

    KredEx organized a energy efficiency program „Make your building more energy efficient“. The main aim of the program was to find one apartment building in Estonia, which is willing to renovate and...

  • 2006-05-09 00:00:00

    From now on banks issue KredEx housing loan guarantees

    Apartment buildings, who want to take a loan to renovate their building and also need KredEx’s housing loan guarantee, can now do all the necessary procedures directly through banks. KredEx renewed its...

  • 2006-05-08 00:00:00

    KredEx supports the energy efficient refurbishment of apartment building with 1 million kroons

    Starting from today, KredEx opens a program aimed to Estonian multi-storey apartment buildings to refurbish their house and make it more energy efficient. The aim of the program is to find one apartment...

  • 2006-04-25 00:00:00

    KredEx in cooperation with European Commission organizes a enterprise conference

    On 26. April KredEx in cooperation with European Commission organizes a enterprise conference in Laulasmaa conference centre. The conference is aimed at small and medium sized enterprise in order to give...

  • 2006-04-24 00:00:00

    KredEx opens an energy efficiency competence-centre

    Starting from 24 April an Energy efficiency competence centre in KredEx will start providing energy efficiency related consulting. The aim of the competence centre is to manage and provide information related...

  • 2006-04-21 00:00:00

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  • 2006-04-19 00:00:00

    KredEx supports the local municipalities

    KredEx opens new supports program for the year 2006 to local municipalities in order to purchase, build or renovate apartments for the tenants of restituted buildings in Estonia. Local municipalities who want to...

  • 2006-04-18 00:00:00

    KredEx participates in the Baltic Energy Efficiency Network

    BEEN started on 1 July 2005 with the overall goal of developing strategies and instruments that promote and enable the energy efficient refurbishment of the prefabricated multi-storey building stock in the Baltic...

  • 2006-04-05 00:00:00

    Seminar for Developing Mutual Understanding

    After Turkey is accepted as a candidate country by EU, TESKOMB has accelerated the EU studies. During the EU accession period, TESKOMB is carrying out many activities and projects. In this context, TESKOMB...

  • 2006-03-28 00:00:00

    KredEx launches a new export guarantee for EU countries

    Starting from today KredEx offers a new EU-guarantee for Estonian exporters which is specially designed for exporters with smaller export turnover. The guarantee is meant for export transactions to EU and...

  • 2006-03-27 00:00:00

    KredEx run out of housing grants for reconstruction faster than expected

    Due to unexpectedly huge demand for housing grants for reconstruction, KredEx has run out of financial sources received from additional state budget faster than expected. KredEx stops accepting applications of...

  • 2006-03-17 00:00:00

    KredEx begins to accept applications of housing grants for reconstruction

    Starting from March 15, KredEx begins to accept applications of housing grants for reconstruction. In 2006 KredEx received 17 million kroons from the 2006 state budget for housing grants for reconstruction.

  • 2006-03-08 00:00:00

    KredEx supports local municipalities to enlarge the local housing fond

    KredEx opens new support programm for the year 2006 to local municipalities in order to purchase, build or renovate apartments for the tenants of restituted buildings in Estonia. Local municipalities who want to...

  • 2006-03-07 00:00:00

    KredEx celebrated its fifth birthday

    KredEx, which was established in 2001, celebrated its fifth birthday in the end of the February.

  • 2006-03-02 00:00:00

    Export guaranteed for 1, 7 billion

    KredEx guarantees Estonian SMEs export transactions from 2001. Over the course of KredEx’s history, the foundation has guaranteed a total of over 1,7 billion kroon of export transactions conducted by Estonian...

  • 2006-02-22 00:00:00

    SMEs’ interest for loan guarantees has increased

    In 2005 a total of 483 million kroons of additional business loans were received from banks by entrepreneurs with the help of a KredEx guarantee, half of which were investment loan guarantees. At the end of...

  • 2006-01-11 00:00:00

    KredEx temporarily stops accepting applications of housing grants for reconstruction

    Due to unexpectedly huge demand for housing grants reconstruction, KredEx has run out of financial sources received from additional state budget for the year 2005 faster than expected. KredEx stops accepting...

  • 2006-01-03 00:00:00

    KredEx continues guaranteeing short-term export transactions

    Starting from 2006 KredEx will contienue issuing short-term export guarantees to European Union and OECD countries with certain constraints. Starting from 2006 the European Commission established for state-owned...

  • 2006-01-01 00:00:00

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  • 2005-12-19 00:00:00

    KredEx lowered export guarantee prices towards Russia

    KredEx dropped the prices of short-term export guarantees to Russia, Ukraine and Romania. Estonian exporters now have the opportunity to insure their export transactions up to 20% cheaper than before.

  • 2005-12-15 00:00:00

    KredEx stops accepting applications of housing grants for reconstruction

    Due to unexpectedly huge demand for housing grants reconstruction, KredEx has run out of financial sources received from state budget for the year 2005 faster than expected. KredEx stops accepting applications...

  • 2005-12-15 00:00:00

    KredEx supports local municipalities

    KredEx supports local municipalities with 17,1 million kroons. 15,1 million is for the enlargement of local rent housing fund, in order to purchase or build apartments for the tenants of restituted buildings and 2...

  • 2005-12-14 00:00:00

    KredEx begins to accept applications of housing grants for reconstruction

    Starting from December 15, KredEx begins to accept applications of housing grants for reconstruction. This year KredEx received 5 million kroons in order to support the renovation of Estonian apartment...

  • 2005-12-12 00:00:00

    KredEx opens an energy efficiency competence-centre

    Starting from January 2006 an energy efficiency competence centre will start to operate in KredEx. The aim of the competence centre is to manage and provide information related with energy saving measures in...

  • 2005-12-01 00:00:00

    KredEx supports local municipalities with 7,1 million

    The Ministry of Economic Affairs and Communication confirmed the names of the municipalities that receive support for the enlargement of local rent housing fund. Since 2003 KredEx has supported local...

  • 2005-11-30 00:00:00

    KredEx continues cooperation with European Investment Fund

    KredEx and European Investment Fund (EIF) signed a cooperation contract in April 2004 in order to share the risks taken by KredEx in guaranteeing bank investments loans. Since April 2004 KredEx has issued...

  • 2005-11-21 00:00:00

    KredEx has paid out claims to Estonian exporters for 12 million kroons

    KredEx guarantees Estonian exporters transactions since 2001. By this time KredEx has paid out 11, 9 million kroons in claims to Estonian exporters. This year 8,4 million kroons was paid out in claims.

  • 2005-10-06 00:00:00

    KredEx stops accepting applications of housing grants for reconstruction today

    Due to unexpectedly large amounts and volumes of application for housing grants reconstruction, KredEx has run out of financial sources received from state budget for the year 2005 faster than expected. KredEx...

  • 2005-10-05 00:00:00

    Housing grants for reconstruction are running out

    By today approximately 53 000 kroons has remained from the stage budget, in order to issue housing grants for reconstruction. Due to the running out of financial sources received from the state budget, KredEx...

  • 2005-09-29 00:00:00

    KredEx helps to create new jobs

    In 2005 with the help of investments supported by KredEx guarantees, Estonian companies plan to create more than 580 new jobs. Since 2001 KredExs’ investment loan guarantee has helped to create more than 2500...

  • 2005-09-16 00:00:00

    KredEx supports local municipalities to enlarge the local housing fond

    The Ministry of Economic Affairs and Communication decided to allocate 10 million kroons from state budget to improve the living conditions of municipalities. The support will be dealt out to municipalities by...

  • 2005-09-09 00:00:00

    10 000th young family purchased a new home

    With the help of KredExs’ housing loan guarantee, a young family, Ruslan and Tatjana, purchased a new home in Tallinn. For the purchase the young family took a housing loan form SEB Eesti Ühipank and applied...

  • 2005-07-26 00:00:00

    KredEx, Enterprise Estonia and Hansabank finance science researches

    Estonian Nanotechnology Research Development Centre finances its researches with Enterprise Estonian’s governmental aid, Hansabanks’ loan and KredExs’ business loan guarantee. First time in Estonian the so...

  • 2005-07-14 00:00:00

    KredEx reissues export guarantees to European Union

    European Commission extended the special licence given to KredEx which allows issuing export guarantees to European Union countries. From January 2005 KredEx was unable to issue export guarantees to low-risk or...

  • 2005-02-28 00:00:00

    KredEx’s housing loan guarantee limit increased up to 950 million kroons

    Due to changes in law the new limit of KredEx’s housing loan guarantees is now 950 million kroons instead of 800 million kroons. And the new limit of business loan guarantees increased up to 800 million kroons...

  • 2005-02-23 00:00:00

    KredEx confirmed the maximum guarantee and portfolio limits for export guarantees

    In relation to changes in law KredEx now has the jurisdiction to make decision concerning export guarantee limits up to 100 million kroons. Due to the law, decisions concerning export guarantees over 100 million...

  • 2005-01-18 00:00:00

    From January 20, KredEx begins to accept applications for the support of reconstruction

    Starting from January 20, 2005, KredEx begins to accept applications for the financial support of apartment buildings. This year KredEx received 18 million kroons in order to support the renovation of Estonian...

  • 2004-11-03 00:00:00

    KredEx supports local municipalities to enlarge the local housing fund

    The Ministry of Economic Affairs and Transportation confirmed the names of municipalities that received support for the enlargement of local rent housing fund. 14 municipalities received the support in the...

  • 2004-10-19 00:00:00

    KredEx stops the reception of export guarantee applications

    This week KredEx stops reception of the export guarantee applications due to filling the national guarantee portfolio in the amount of 300 million kroons. Accepted and processed will be only extension...

  • 2004-10-14 00:00:00

    KredEx stops accepting applications of housing grants for reconstruction today

    Due to running out of financial sources received from state budget for the year 2004 faster than expected, KredEx stops accepting applications of housing grant for reconstruction today. KredEx received 16.4...

  • 2004-10-11 00:00:00

    KredEx stops accepting applications of housing grants for reconstruction in November

    Due to running out of financial sources received from state budget for the year 2004, KredEx stops accepting applications of housing grant for reconstruction in the end of the October. KredEx received 16.4...

  • 2004-10-07 00:00:00

    KredEx continues issuing housing loan guarantees

    KredEx continues issuing housing loan guarantees for young families, young specialists and tenants of restituted buildings from the 1st of November. KredEx continues issuing housing loan guarantees in a limited...

  • 2004-09-23 00:00:00

    KredEx and Norwegian Export Guarantee Fund insure Estonian- Norwegian economic co-operation

    On the September 23 a co-operation agreement between KredEx and Norwegian Export Guarantee Fund GIEK came into force. The agreement allows KredEx and GIEK share such risks of export operations where a...

  • 2004-09-23 00:00:00

    KredEx and Parex Pank signed a co-operation agreement

    KredEx and Parex Pank signed a co-operation agreement that enables enterprises, that take a loan from Parex Pank, also apply for KredEx`s loan guarantees. KredEx offers guarantees for enterprises business loan,...

  • 2004-08-30 00:00:00

    Maive Rute continues as the CEO of KredEx

    The board of KredEx decided to choose Maive Rute from the last three candidates for the position of Chief Executive Officer of the Estonian Credit and Export Guarantee Fund KredEx. Maive Rute has been the CEO of...

  • 2004-08-16 00:00:00

    KredEx stops issuing housing loan guarantees temporarily

    KredEx has reached the limit of issuing housing loan guarantees counter-guaranteed by the state. The limit is 700 million kroons - by the end of July the portfolio of housing loan guarantees was already 650...

  • 2004-08-04 00:00:00

    24 municipalities applied for housing supprt

    By July 30 KredEx received 26 support applications for its housing support from 24 municipalities in order to enlarge the local rent housing fund. Total amount of the applications was 33.7 million kroons, 30...

  • 2004-07-21 00:00:00

    KredEx cooperates with Ingosstrakh in Russia

    KredEx signed a contract with the Russian export credit agency Ingosstrakh, which enables KredEx to share the risks of export transactions, especially those of Estonian companies exporting to Russia.

  • 2004-06-16 00:00:00

    KredEx signs a reinsurance agreement with Finnvera

    Starting from June 16, 2004, KredEx and the Finnish export credit agency Finnvera co-operate according to a reinsurance agreement, which enables KredEx and Finnvera to share the risks of export transactions when...

  • 2004-06-14 00:00:00

    KredEx issued the first guarantee to an apartment ownership

    KredEx issued the first guarantee to an apartment ownership, which enabled the owners to take a loan in the amount of 200 000 kroons to reconstruct the roof.

  • 2004-06-10 00:00:00

    KredEx developed 2 new export guarantee schemes with the support of Denmark

    KredEx and the Danish export credit agency EKF finished their co-operation programme, the aim of which was to launch the medium- and long-term export guarantees in Estonia and develop the investment guarantees....

  • 2004-06-09 00:00:00

    Export insurance towards Belarus simplified

    Starting from today KredEx will drop the demand for the credit letter or bank guarantee in case of export transactions guaranteed to Belarus.

  • 2004-06-09 00:00:00

    Guarantees for apartment buildings now also from Sampo Bank

    Starting from today apartment associations and ownerships can apply for the apartment building guarantee of KredEx also from Sampo Bank.

  • 2004-06-03 00:00:00

    The list of renovation activities supported grew

    Strating from today the list of renovation activities supported by KredEx grew. So far KredEx only supported the activities that are described as "reconstruction" by law, now KredEx also supports the...

  • 2004-04-01 00:00:00

    New target groups of housing loan guarantees

    On April 1, the Government of Estonia decided to extend the target groups of the housing loan guarantees issued by KredEx. KredEx will start to issue loan guarantees to apartment ownership in addition to the...

  • 2004-03-15 00:00:00

    Apartment buildings get financial support

    Starting from March 22, 2004, KredEx begins to accept applications for the financial support of apartment buildings. This year KredEx received 20 million kroons in order to support the renovation of Estonian...

  • 2004-02-26 00:00:00

    KredEx signed an agreement with EKN in Sweden

    On February 26, KredEx signed a reciprocal reinsurance agreement with EKN (Exportkreditnämden). The agreement enables KredEx and EKN to guarantee risks of transactions when a Swedish exporter has used a...

  • 2004-01-08 00:00:00

    Lending boom stresses central bankers

    Aleksei Gunter, The Baltic Times According to the central bank, helping people receive mortgage loans might cause long-term social problems should an economic recession occur. Increasingly concerned about...

  • 2003-12-30 00:00:00

    KredEx aims to double the guaranteed export sales

    Compared to 2002, the export sales guaranteed by KredEx in 2003 have risen by 50% from 112 million kroons to 168 million kroons. In 2004 KredEx aims to guarantee Estonian export sales in the volume of 350...

  • 2003-12-09 00:00:00

    KredEx supports the local municipalities with 12.9 million kroons

    The committe chosen by the Ministry of Economic Affairs and Communications has decided to support 7 local municipalities in Estonia in the total amount of 12.9 million kroons. The support money will be used for...

  • 2003-11-19 00:00:00

    KredEx guarantees export to Ukraine

    The Board of KredEx decided to reduce the risk classification of Ukraine from 7 to 6, which improves the possibilities of Estonian enterprises to export to Ukraine. KredEx aims to increase the issuance of export...

  • 2003-10-23 00:00:00

    Export guarantees in unstable markets

    Aleksei Gunter, The Baltic Times KredEx, Estonian state-owned credit guarantee fund came up with a new, long-term guarantee for the local exporters. The new service will protect Estonian companies from the...

  • 2003-10-08 00:00:00

    The long-term export guarantee opens new opportunities for Estonian exporters

    The conference gives an overview of the current export trends and discusses more thoroughly the financing of export transactions and the insurance of credit risks in countries where the state export guarantee...

  • 2003-06-11 00:00:00

    KredEx offers guarantees through AON

    Starting from today, June 11, KredEx offers its export guarantees in cooperation with AON Corporation Estonia. The clients of AON can now guarantee their export-related commercial and political risks up to 100%....

  • 2003-05-20 00:00:00

    KredEx paid out 4 new housing grants

    On May 20, KredEx paid out the first 4 grants for housing reconstruction. KredEx started to offer housing grants in the beginning of the month according to the Estonian Housing Development Plan 2003-2008. The...

  • 2003-04-17 00:00:00

    KredEx earned a profit of 42.6 million kroons

    The supervisory board of KredEx confirmed the 2002 annual report of KredEx, according to which the fund earned a profit of 42.6 million kroons. The incomes totalled up to 53.6 million kroons, the operating...

  • 2003-04-07 00:00:00

    Eksport Kredit Fonden leads the way in Estonia

    As the first financial institution in Denmark, Eksport Kredit Fonden (EKF) has initiated a strategic cooperation in Estonia. The cooperation partner is the Estonian export credit agency KredEx, which thereby in...

  • 2003-03-27 00:00:00

    KredEx shares the risks of Estonian exporters

    KredEx has made a contract with Ühisliising, according to which it is from now on possible to insure factoring transactions with the export guarantee of KredEx. This offers better opportunities for Estonian...

  • 2003-02-20 00:00:00

    Estonia moves to revamp Soviet housing

    Aleksei Gunter, The Baltic Times The government approved a national housing development plan for the next five years and authorized KredEx to guarantee bank loans aimed at improving the Soviet housing malaise....

  • 2003-02-12 00:00:00

    KredEx starts to issue housing grants

    On February 11, the Government accepted the new Estonian Housing Development Plan 2003-2008, according to which KredEx will start to issue grants in order to improve the current housing situation. KredEx will...

  • 2003-01-03 00:00:00

    Junior Chamber voted Maive Rute as the best member of the year

    Junior Chamber Estonia elected the CEO of KredEx, Maive Rute, the member of the year. Junior Chamber Estonia is part of the Junior Chamber International, an organisation formed by young executives and...

  • 2002-12-19 00:00:00

    Estonia improves its state export guarantee system

    On December 18, Estonian Parliament passed the new State Export Guarantees Act, which affects the principles of issuing export guarantees in Estonia. The law becomes valid from May 2003. The new law was...

  • 2002-11-04 00:00:00

    How to finance the renovation of apartment buildings?

    On November 8, a round table will gather in Tallinn with the aim of discussing how to finance the renovation of apartment buildings. KredEx has organised the seminar to find answers to the questions - what...

  • 2002-09-24 00:00:00

    Guarantee funds from all over the world meet in Estonia

    On September 25-26, KredEx organises an international forum on the subject "Guarantees and Enterprise Development" together with the OECD. The aim of the conference is to compare how guarantee schemes support small...

  • 2002-09-13 00:00:00

    Tougher borrowing requirements will affect real estate business

    Äripäev/ Baltic Business News Tougher borrowing requirements which are being advocated by Estonian central bank are likely to affect real estate business. Hindrek Leppsalu, Managing Director of Ober-Haus...

  • 2002-08-26 00:00:00

    The first half of 2002 ended with a profit of 6.4 million

    By the end of July 2002, KredEx had earned a profit of 6.4 million kroons. The incomes totalled up to 14.4 million kroons, the operating expenses to 4.8 million kroons and the growth in the technical provisions...

  • 2002-08-15 00:00:00

    Boost for new homebuyers

    Aleksei Gunter, The Baltic Times Estonia A new state-run credit agency has already helped more than 1,600 young people buy their own homes. The Credit and Export Guarantee Fund, also known as KredEx, has...

  • 2002-07-16 00:00:00

    2 times more guarantees issued by KredEx in 2002

    Compared to the year 2001, KredEx has guaranteed about half as many business and housing loans this year than the last.

  • 2002-07-10 00:00:00

    Study shows Estonian residential apartment market is well advanced

    Recent estimations show that around 95 percent of registered property in Estonia belongs to private owners. According to a survey presented by Maive Rute, Chairperson of KredEx, in terms of residential...

  • 2002-05-31 00:00:00

    Top stories in Estonian daily newspapers

    This is a comment on the article in Äripäev where KredEx was seen as a state agency waisting money. However, KredEx is a self-sustaining fund and no allocations were made to KredEx from the state budget in the...

  • 2002-05-10 00:00:00

    Estonian firms to get state guarantee for exports to Russia

    Baltic Business News Estonian Credit and Export Guarantee Fund KredEx has improved the terms of state export guarantees for companies exporting to Russia by lowering the estimated country risk rate and...

  • 2002-04-10 00:00:00

    KredEx earned a profit of 17.5 million kroons in 2001

    The supervisory board of KredEx confirmed the 2001 annual report of KredEx, according to which the fund earned a profit of 17.5 million kroons. The incomes totalled up to 29.7 million kroons, the operating...

  • 2002-01-24 00:00:00

    Cleaning up apartment buildings

    On January 24, KredEx issued the first loan guarantee for an apartment association in Tallinn. The loan guarantee serves as an additional collateral and helps to improve the financing possibilities of apartment...

  • 2002-01-08 00:00:00

    KredEx increases the cooperation between banks and companies

    KredEx is organising a series of seminars on the subject "How to Improve the Financing Possibilities of Estonian Companies?". The aim of the seminars is to start a discussion together with the banks, Estonian...

  • 2001-12-06 00:00:00

    Possibilities are growing for Estonian businesses

    On December 5, KredEx and AS Nordea Finance Estonia signed a contract, which brings along new opportunities for Estonian businessmen to acquire the means necessary for production through leasing transactions....