Loan insurance is offered by AS LHV Kindlustus. Review the terms and conditions of insurance, along with the limitations and exemptions, and consult our expert. The monthly hire-purchase payment with insurance is 40,86 € and the annual percentage rate of charge is 36,28% on the following sample terms and conditions: cost of the product/service 700 €, down-payment 0%, credit amount 700 €, annual interest rate of 19,9% on the outstanding balance (fixed), monthly fee of 2,95 €, contract fee 19,90 €, hire-purchase period of 23 months, with monthly annuity payments, in the total sum of 939,78 € and the total sum of monthly payments being 939,78 €.