Housing loan | Online application

Luminor Spring Sale

Real estate purchase & refinancing

3‑year fixed interest rate 4.7 %*
50 % discount on loan agreement fee

* Fixed rate offer is valid for loan applications submitted from 2023 03 20 to 2023 04 02. And if the loan is paid out in one installment within 6 months of signing the loan agreement. The fixed interest rate period is 3 years, after that the variable interest rate is applied according to the loan agreement terms.

After the fixed period, the variable rate is 1.9 % + Euribor, if the loan amount is more than EUR 100.000. The interest rate is 1.95 % + Euribor if the loan amount is EUR 100,000 or less.

A typical example of a housing loan: If the loan amount is EUR 80,000, the variable annual interest rate is 4.70 %, a one-off agreement fee is EUR 200, the contract duration is 25 years, the monthly account commission fee is EUR 1.30, the mortgage registration fee for SE Centre of Registers is EUR 8.60, then monthly installment made by the annuity will be EUR 452.17, the total amount paid by the borrower EUR 136,254.45 and annual percentage rate of charge (APR) – 4.86 %.

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.

Housing loan for construction

Bank interest rate* from 1.69 % per year + Euribor
3, 6, and 12‑months Euribor is available
50 % discount on loan agreement fee

* Depending on customer evaluation and loan amount.

Offer is valid for loan applications submitted from 2023 03 20 to 2023 04 02 if the loan agreement is signed within 3 months after the application is submitted.

A typical example of a housing loan: If the loan amount is EUR 80,000, the variable annual interest rate is 5.30 %, a one-off agreement fee is EUR 200, the contract duration is 25 years, the monthly account commission fee is EUR 1.30, the mortgage registration fee for SE Centre of Registers is EUR 8.60, then monthly installment made by the annuity will be EUR 482, the total amount paid by the borrower EUR 145,327 and annual percentage rate of charge (APR) – 5.48 %.

Mortgage loan calculator NEW

Housing Loan Calculator

Monthly payment
How much can you borrow?

EUR

Down payment* EUR

Interest rate*

years

Re-payment type

Annuity
Linear

Your estimated monthly payment:

EUR

View estimated payment schedule

Representative example:

Loan amount

EUR

Total interest paid

EUR

Agreement fee

EUR

Account maintenance fee

EUR

Mortgage registration fee

EUR

Total payment sum

EUR

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

Annual percentage rate

View estimated payment schedule

How much can you borrow?

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

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

Just me
Two of us

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.

Maximum monthly loan payment: EUR

Apply now Change

Estimated payment schedule

Payment No.	Installment	Interest amount	Loan repayment amount	Loan balance

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

Luminor Spring Sale

Mortgage loan calculator NEW

Estimated payment schedule

Build your personalized home loan

Additional benefits included for free:

Loans with state subsidies

Safe Housing Loan Kit

Loan Payment Insurance

Credit Life Insurance

Home Insurance

Useful links

See our other products