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Idea Loan – your plans can be fulfilled easier

Idea Loan – your plans can be fulfilled easier
  • Loan for implementation of an idea by pledging one’s own real estate
  • Lower interest rate as compared to a consumer loan
  • Loan amount from EUR 10,000
Apply for a loan now
See what I can afford

Idea loan benefits

  • Long repayment period – up to 20 years
  • Maximum loan amount up to 70 % from your real estate market value
  • Repair, renovate or overhaul an existing property without reports and cash monitoring
  • Acquire another property, e.g. country house, summer cabin or land

Idea loan calculator

Idea Loan Calculator

Eur
Eur
?

A portion of the property price that will be paid by yourself and not financed by bank (down payment might be not needed, if you will be using State subsidy program).Tap to close

%
%
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A period during which you would like to repay the loan. The maximum possible home loan period may be 30 years, while the borrower must not be over 67 by the end of the loan term.Tap to close

years
Re-payment type

Your estimated monthly payment:

EUR
?

Your monthly loan payment consisting of principal and interest paymentTap to close

View payment schedule

How is my loan calculated?

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
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 interest rate (variable)
%
Annual percentage rate (APR)
?

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 offersTap to close

%
View payment schedule
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.

This loan is for
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Your salary or other monthly income (pension, social benefits, grants, property income) received on the bank account. If you apply loan with a co-borrower or guarantor, please add your total income to the calculator.Tap to close

Eur
?

The sum of your monthly loan payments, including home loan, leasing, consumer loan etc. Do not include your daily living expenses here. Tap to close

Eur
?

Total remaining loan amount of your existing liabilities (mortgage, leasing, consumer loans and others) Tap to close

Eur
?

Number of children under 18 years or adults under legal custody in your household. Tap to close

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.

Payment schedule

Payment No.InstallmentInterest amountLoan repayment amountLoan balance
Typical example: if loan amount is EUR 60,000, variable annual interest rate is 3,4 %, agreement fee is EUR  300, contract duration 20 years, mortgage registration fee for SE Centre of Registers EUR 8.60, then monthly instalment will be 344.58 EUR, total amount paid by the borrower EUR 83,010.33, and annual percentage rate of charge (APR) – 3,51 %.
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.

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

Apply for a loan

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

Documents

  • 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
Pricelist
Property valuers
Insurance Requirements
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

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See our other products

Real Estate Purchase Or Repair Loan

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Consumer Loan

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Housing Loan

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