Housing loan

Your home – your rules. Create your own housing loan

Your home – your rules. Create your own housing loan

  • Full transparency on loan conditions
  • Fast, digital, and all remote application process

Build your personalized home loan

  • Choose as many additional benefits as you want on top of our standard offering
  • Get a tailored offer from our mortgage experts, who will help you find the best solution for you
  • Change your selection whenever you want – you have not committed to anything before signing the contract

Luminor

Standard Home Loan

  • Down payment from 15 %
  • Loan period up to 30 years
  • Salary transfer to Luminor not required

Additional benefits included for free:

Get personal advice from a dedicated expert throughout your entire loan process

Pay extra, or repay the full amount, whenever you want without any costs when choosing floating rate

Flexibility to pause loan repayment for 3 months in a 3-year period

Additional benefits

Loan repayment pause

Consumer loan discount

Luminor Black Card

Home insurance

Credit Life Insurance

Loan payment insurance

Up to 5‑year fixed interest rate


Loans with state subsidies

State subsidy for young families and persons with smaller income

  • Loans for young families and persons meeting the criteria laid down in the Law on Support for the Acquisition or Rent of Housing of the Republic of Lithuania;
  • Loan can be granted for the acquisition, construction or reconstruction of residential property;
  • The support amounts to 10%-20% from the granted loan amount;
  • Maximum loan amount:
    - EUR 53 000 for an individual without family (for housing acquisition or construction);
    - EUR 87 000 for a family of two or more members (for housing acquisition or construction);
    - EUR 35 000 for reconstruction of the owned residential property, irrespective of the family size.
  • The amount of a granted mortgage depends also on results of the assessment of financial capacity to fulfil the obligations established in the loan agreement. Minimum loan term is 5 years;
  • Loans with state support are granted if the borrower's property and yearly incomes do not exceed the amounts established by the Government of the Republic of Lithuania:
    - net yearly incomes of an individual without family is maximum EUR 13 250, while property is maximum EUR 16 125;
    - net yearly incomes of a family of 2 or 3 members is maximum EUR 18 500, while property is maximum EUR 32 750;
    - net yearly incomes of a family of 4 or 5 members is maximum EUR 22 250, while property is maximum EUR 43 625;
    - net yearly incomes of a family of 6 or more members is maximum EUR 3 750 per person, while property is maximum EUR 10 375 per person.
  • Further information about the income requirements is available in the Law on Support for the Acquisition or Rent of Housing of the Republic of Lithuania here;
Decision on compliance of a borrower with the criteria for eligibility to state support is adopted by the municipality, in which the borrower declared his/her place of residence.  A certificate of the established form issued by the municipality must be submitted to the bank within 15 calendar days from the day of its issue.

State subsidy for young families and persons in regions

  • Loans for young families and persons meeting the criteria established in the Law on Financial Support to Families for the Acquisition of Their first Home of the Republic of Lithuania
  • Loan can be granted for the acquisition or construction  of residential property;
  • The support amounts to 15%-30% from the granted loan amount;
    - For  young families without children - 15%;
    - For young families with 1 child – 20%;
    - For  young families with 2 children – 25%;
    - For young families with 3 and more children – 30%;
  • Maximum loan amount is EUR 87 000;
  • If the loan required for home acquisition is over EUR 87 000, additional loan amount without state support can be granted;
  • The amount of a granted mortgage depends also on results of the assessment of financial capacity to fulfil the obligations established in the loan agreement;
  • Minimum loan term is 10 years. If property is sold before the term of 10 years expires, the state support should be repaid;
  • Loans with state support are granted only if:
    - the borrower has no residential real estate;
    - the property to be acquired is the location classified as 'region';
    - the property to be acquired is of residential purpose (apartment or house. Lofts, garden houses, recreational premises are not considered as property of residential purpose);
    - if the property to be acquired has appurtenances (outbuilding, sauna, pergola, etc.), loans with state support are not granted for their acquisition and acquisition of the above-mentioned objects are financed separately; 
  • Further information about the requirements for property to be acquired is available in the Law on Financial Support for Families for the Acquisition of Their First Home of the Republic of Lithuania here.
Decision on compliance of a borrower with the criteria for eligibility to state support is adopted by the municipality, in which the borrower declared his/her place of residence. A certificate of the established form issued by the municipality must be submitted to the bank within 15 calendar days from the day of its issue.

Typical example of a housing loan

Loan amount Contract duration Variable annual interest rate Agreement fee Mortgage registration fee for SE Centre of Registers Total amount paid by the borrower Monthly instalment Annual percentage rate of charge
EUR 60,000 30 years 2.4 % EUR 300 EUR 31.28 EUR 84,558.62 EUR 233.96 2.47 %
IMPORTANT! Pledged collateral must be insured. Notary fees, real estate evaluation and insurance costs are not known to the bank and therefore are not included in the overall annual percentage rate of charge. Your loan is guaranteed against your home. Your home may be repossessed if you do not keep up with repayments.

The path to your new home

Fill in the application and submit documents online

Receive a call from our advisor to guide you through the next steps

Get a loan offer and introduction to the loan details in a call with our advisor

Sign the mortgage loan agreement remotely for your chosen property

Sign the documents at the notary and register the pledge in the mortgage register

Get the keys for your new home after the bank has transfered the money to the seller

Requirements to apply

  • You are at least 18 years old
  • You have a regular monthly income of at least EUR 500
  • You have a combined monthly income of at least EUR 800 if you apply with a guarantor and you don’t have any dependents

Documents to apply

  • Housing loan application
  • In case you are applying together with co-borrower, we will ask both of you to sign the application
  • Additional documents may be required after the first consultation

Find a property from our partner offers

Useful links

Pricelist
Frequently asked questions
How to borrow responsibly
Real estate in Lithuanian
Property valuers
Insurance requirements
Early repayment calculator in Lithuanian
Rules on Granting Loans with Real Estate Pledge in Lithuanian

Your new home is closer than you think

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