Owning a Home and Getting a Bank Loan in Estonia 🇪🇪

Опубликовано: 11 Июнь 2026
на канале: Anıl Kölmük
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We fulfilled our dream of owning a home in Estonia! 🇪🇪 Buying a house in the European Union was more difficult than we thought. Since arriving, we have been regularly applying for loans from banks. Finally, we received approval from a local bank. We decided to share our entire experience with you from Tallinn with as much transparency as possible. How did we manage the process despite being rejected by banks, and how did we get approval for a €167,000 loan?

Important reminder: This is not investment advice!

In this video, we don't just give a simple tour of the house; we transparently share all the financial details of our negotiation process with the bank, including Estonian mortgage interest rates, down payment amounts, monthly payments, and more. We also provide invaluable information for investors on the Tallinn real estate market, the conditions for foreigners to acquire property in Europe, and early repayment advantages for loans.

We also asked experts the most frequently asked question: "Does buying a house in Estonia grant a residence permit?" You will find the facts about buying a house in a company name, Investor Visa, and European Union residence permit in this video.

This video features our partnership with Berfin.ee and Nextmig.com. I would also like to thank Ramazan Erdem and Erdinç Karabekir for their support in this video.

#collaboration

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Video Flowchart:
00:00 – Introduction & About the Video Series
00:29 – How We Decided to Buy a House in Estonia?
03:00 – Our Loan Application Process in Estonia
04:21 – Tour of the House We Bought
06:17 – Home Loan Rates in Europe
08:45 – Sponsor: Nextmig.com | Erdinç Karabekir
09:31 – Sponsor: Berfin.ee | Ramazan Erdem
14:47 – Closing

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Useful Links & Sponsors:

✅ Berfin.ee – Company Formation & Accounting Consultancy in Estonia:
https://Berfin.ee

✅ Nextmig – Immigration, Visa and Legal Consultancy in Estonia:
https://Nextmig.com

✅ İçerik101 – Web Design, SEO and Digital Marketing Agency:
https://icerik101.com

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Follow Us:
📸 Anıl:   / anilkolmuk  

📸 Hatice:   / haticekolmuk  

💻 İçerik101:   / icerik101com  

💬 We welcome your questions about the process of buying a house in Europe, the cost of living in Estonia, or investment opportunities in the comments! You can support us by subscribing to our channel.

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