Idea Loan – your plans can be fulfilled easier

Idea Loan – your plans can be fulfilled easier

  • Lower interest rate as compared to a consumer loan
  • Long repayment term – up to 20 years
  • Maximum loan amount up to 70 % from your real estate market value

Idea loan benefits

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 get your loan

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 loan agreement remotely

As soon as transaction will be registered in land register, we will transfer money to your account

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 750 if you apply with a guarantor and you don’t have any dependents


  • 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

Useful links

Idea Loan conditions
Property valuers
Insurance companies
Early repayment calculator in Lithuanian
How to borrow responsibly
Rules on Granting Loans with Real Estate Pledge in Lithuanian

Your property gives you new possibilities

See our other products

Real Estate Purchase Or Repair Loan

Learn more

Consumer Loan

Learn more

Housing Loan

Learn more

Typical example of an idea loan

Loan amount: EUR 60,000
Contract duration: 20 years
Variable annual interest rate: 3.4%
Monthly instalment: EUR 344.90
Contract fee: EUR 300
Mortgage registration fee for State Enterprise Centre of Registers: EUR 31.28
Total amount paid by the borrower: EUR 83,107.42
Number of instalments: 240
instalments paid monthly
Annual percentage rate of charge: 3.52%