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
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.
