Everyone needs a personal space

Everyone needs a personal space

Everyone needs a personal space

Apply for a personalized housing loan

 

  • Lower interest rates when purchasing A+ and A++ energy efficiency homes
  • Fast, digital, and all remote application process
  • Special offers for our customers
Special offer for your first housing loan

 

Special offer for your first housing loan

♦ EUR 0 agreement fee and variable annual interest rate from 1,49 %* + 3‑, 6‑ or 12‑month Euribor. The offer is valid for the applications submitted by 2024‑07‑31 for your first home loan with us.
♦ A special offer for your first consumer loan for home renovation. Annual fixed interest rate of 9 % for loans from EUR 2,000. EUR 0 agreement fee. Offer can only be used once and is valid for the applications submitted by 2024‑12‑31.


Apply for a loan

*Final offer is customer-based and may depend on agreed special conditions or energy efficiency class of the asset.

Representative example of housing loan: If the loan amount is EUR 110.000, the variable annual interest rate is 5,57%, a one-off agreement fee is EUR 0, the agreement duration is 25 years, the monthly account maintenance fee is EUR 1.30, the mortgage registration fee for SE Centre of Registers is EUR 8.60, and 300 repayments are made by annuity, then the monthly payment will be EUR 679, the total amount paid by the borrower – EUR 203 561,04 and the annual percentage rate of charge (APR) – 5.73%.
Pledged collateral must be insured. Notary fees, real estate evaluation, insurance costs and costs related to additional products and services if chosen by you 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.
If a credit agreement is concluded in foreign currency, i.e. a credit is granted to a customer in a currency other than their income or the assets from which the credit is to be repaid, or in a currency other than that of the customer’s state of residence (the EU Member State), the change of the foreign currency compared to euro may significantly increase the amount of the credit and monthly payments.
Representative example of consumer loan: if the loan amount is EUR 9,000, the fixed annual interest rate is 9 %, the loan term is 60 months, the agreement fee is EUR 0, the monthly account commission fee is EUR 1.30, then the monthly payment is EUR 186.83, total repayment amount – EUR 11,287.80, the annual percentage rate of charge (APR) – 9.70 %.
Offer for the purchase of A+ and A++ energy efficiency housing

Offer for the purchase of A+ and A++ energy efficiency housing

0.99 % + 3, 6 or 12 months Euribor variable annual interest rate for the first year of the loan

Apply for a loan

The offer is valid for loan application submitted until 2024‑08‑01. Final offer is customer‑based and may depend on agreed special conditions or energy efficiency class of the asset.

Offer for the purchase of A+ and A++ energy efficiency housing
Representative example. If the loan amount is EUR 110,000, the variable annual interest rate is 5.57 %, a one-off agreement fee is EUR 550, the contract duration is 25 years, the monthly account maintenance fee is EUR 1.30, the mortgage registration fee for SE Centre of Registers is EUR 8.60, and 300 repayments are made by annuity, then the monthly payment will be EUR 679, the total amount paid by the borrower – EUR 204,111.04 and annual percentage rate of charge (APR) – 5.79 %.
 
Pledged collateral must be insured. Notary fees, real estate evaluation, insurance costs and costs related to additional products and services if chosen by you 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.
 
If a credit agreement is concluded in foreign currency, i.e. a credit is granted to a customer in a currency other than their income or the assets from which the credit is to be repaid, or in a currency other than that of the customer’s state of residence (the EU Member State), the change of the foreign currency compared to euro may significantly increase the amount of the credit and monthly payments.

Safe Housing Loan Kit

landplot
Loan Payment Insurance
To ease financial burden, in case of involuntary unemployment or lasting incapacity for work.
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Credit Life Insurance
To provide financial support to your family when you will not be able to do it by yourself.
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Home Insurance
To secure your financial well-being in case your residence, home contents and relationship with neighbors are affected by unforeseen circumstances.

Find a property from our partner offers

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.

General loan conditions 

  • Down payment from 15 %
  • Loan period up to 30 years
  • The minimum amount of a home loan starts from EUR 20,000
  • The loan amount may not exceed 85 % of the value or price of the pledged assets (whichever is lower)

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 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
"Very pleasant and professional communication."
 
 
Very pleasant and professional communication. Throughout a half year - from the initial consultation on the application to the final signing - all questions were answered in a simple and understandable way, and the advisor herself kept calling to see how things were going. This kind of communication alone makes me want to take out five more home loans from your bank.
 
Customer, 34 years old
 
Read more customer feedback

There are more ways to improve your home

Real Estate Purchase Or Repair Loan

 

Fixed interest rate throughout the loan agreement period

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Consumer loan for improving home energy efficiency

 

No down payment or pledge of property is required

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Idea Loan

 

With this loan – any of your plans can be fulfilled easier

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Luminor Black

 

One card for all your needs

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