Bank network
Contacts
 Customer Support
Housing loan

Your home – your rules

Your home – your rules

Expand your options with Luminor housing loan

 

  • Down payment from 15 %
  • Loan period up to 30 years
  • Fast, digital, and all remote application process
  • Favorable home loan conditions on energy efficient homes
Apply for a loan
See what I can afford

What is Euribor and how it affects mortgage loan payments?

Mortgage loan calculator NEW

Housing Loan Calculator

EUR
EUR
%
%
years
Re-payment type

Your estimated monthly payment:

EUR
?

Your monthly loan payment consisting of principal and interest payment.Tap to close

View estimated payment schedule

Representative example:

Loan amount
EUR
Total interest paid
?

Total sum of interest payments paid during the loan period and calculated based on the annual interest rate.Tap to close

EUR
Agreement fee
EUR
Account maintenance fee
?

The account maintenance fee is EUR 1.30 per monthTap to close

EUR
Mortgage registration fee
?

Land registry state fee payable to the state for mortgage registrationTap to close

EUR
Total payment sum
?

Total payment sum means the loan amount and the total cost of the loan (all the costs, including interest, fees and other costs which you are required to pay in connection with the loan agreement and which are known to the creditor, except for notarial costs, insurance, property valuation fee, registration fees for the transfer of ownership of the immovable property and any charges for non-compliance with the loan agreement).Tap to close

EUR
Annual variable interest rate (1.99% + 6‑month Euribor)
?

In this calculation 2023-05-03 value of 6-month Euribor, equal to 3.64%, is being used. The fixed part of the rate is indicated for information only and may vary from case to case.Tap to close

%
Annual percentage rate
?

Annual percentage rate shows the total cost of the loan, expressed as an annual percentage of the total amount of the loan. The calculation takes into account all known costs, including interest costs, fees and other costs related to the loan, which you need to pay. Annual percentage rate allows you to objectively compare different loan offers.Tap to close

%
View estimated payment schedule
The displayed result is informative and based on the approximate calculation.

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 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.

Euribor (European Interbank Offered Rate) – the interbank interest rate, which is being published by EMMI (European Money Markets Institute), at which banks in the eurozone lend funds in euros to other banks.

This loan is for
EUR
EUR
EUR
LuminorLuminorLuminor

: EUR

: EUR

The displayed result is informative and based on the approximate calculation.
The pledged property must be insured. Notary fees, property valuation and insurance costs are not known to the bank and are therefore not included in the annual percentage rate of charge. The fulfillment of obligations under the loan agreement will be secured by a real estate mortgage. If you pledge the property and default on your obligations under the loan agreement, you may lose ownership of the property.

Your maximum loan amount:
EUR
?

The displayed result is informative and based on the approximate calculation.Tap to close

Maximum monthly loan payment: EUR

Apply now Change
The displayed result is informative and based on the approximate calculation.
The pledged property must be insured. Notary fees, property valuation and insurance costs are not known to the bank and are therefore not included in the annual percentage rate of charge. The fulfillment of obligations under the loan agreement will be secured by a real estate mortgage. If you pledge the property and default on your obligations under the loan agreement, you may lose ownership of the property.

Estimated payment schedule

Payment No.InstallmentInterest amountLoan repayment amountLoan balance

Do you have a question about Housing loan?

Find the answer

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
  • Favorable home loan conditions on energy efficient homes

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

Special offers from our partners

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

25 % discount for TOPCOLOR paint

20 % discount at Viržių medelynas

Apply for a loan


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 15 %-30 % 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;
  • 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
  • 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.

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

Apply for a loan now

Requirements to apply

  • You are at least 18 years old
  • You have a regular monthly income of at least EUR 650
  • You have a combined monthly income of at least EUR 1000 if you apply with a co-borrower and you don’t have any dependents

Documents to apply

  • Housing loan application
  • In case you are applying together with a 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

Learn more

Safe Housing Loan Kit
Loan Payment Insurance

Loan Payment Insurance

To ease financial burden, in case of involuntary unemployment or lasting incapacity for work. More
Credit Life Insurance

Credit Life Insurance

To provide financial support to your family when you will not be able to do it by yourself. More
Home Insurance

Home Insurance

To secure your financial well-being in case your residence, home contents and relationship with neighbours are affected by unforeseen circumstances. More

Useful links

Pricelist
Frequently asked questions
How to borrow responsibly
Real estate in Lithuanian
Property valuers
Insurance requirements
Rules on Granting Loans with Real Estate Pledge in Lithuanian
Application for loan amendments including grace request

Your new home is closer than you think

Apply for a loan

See our other products

Real Estate Purchase Or Repair Loan

 Learn more

Consumer Loan

 Learn more

Idea Loan

 Learn more