Loan with Real Estate Pledge | Luminor
Loan with Real Estate Pledge

With this loan – any of your plans can be fulfilled easier. Renew your home, start a business, choose a valuable purchase or implement any of your plans.

The benefits of choosing

Our simple, responsible way to borrow



Our calculator will help you evaluate what you can afford.



Fill-in the application form via the mobile or Internet bank.


We will contact you

In a few days we will inform you how much you can borrow.


Sign the agreement

Visit the nearest branch to sign the loan agreement.


Pledge the property

Pledge your real estate.


Don’t forget the insurance

You can insure your real estate right at the bank – we will offer an attractive insurance package.

You will need the following documents

  • ID or passport
  • If you plan to take a mortgage loan with a life partner, invite them to come with you
  • Evaluation of your real estate
  • We will let you know during the meeting if we require further documents

Useful links

Loan conditions
Property assessors
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

Similar products: Mortgage loanConsumer loan
You might also be interested in: Home Insurance

Important! Your loan is guaranteed against your home. Your home may be repossessed if you do not keep up with repayments.
Sample calculation of total charge of credit
If the Bank grants a mortgage-backed credit of EUR 50,000 for a period of 20 years, you’ll have to pay the total amount of EUR 70,958, where EUR 293 is a monthly installment, the number of installments is 239, and a 3,82 % annual percentage rate of charge is applicable to the credit. The calculation is based on the following assumptions: variable interest rate, 3,60 % average annual interest rate over the effective period of a credit agreement, annuity repayment method, EUR 300 up-front fee, and EUR 230 other costs related to collateral pledge. Pledged collateral must be insured. Pledged collateral valuation and insurance costs are not known to the Bank therefore are excluded from the annual percentage rate of charge.