From idea till your home

  • We'll help you figure out your borrowing possibilities
  • We'll offer you funding, which best fits your needs and possibilities

We believe that the dream of each family is their own home. If you are looking for a new home, consider of building or renovating, apply to us for possibility to get financing.

You are 7 steps away from your new home:


Each idea starts with the dreams about something own: my own room, my own  bathroom or kitchen, my family home, my summer house... Each idea needs a plan for its step-by-step implementation.

Experienced lending consultants will prepare a customized funding plan. 

We will help to find answer to question:

  • Dream about one’s own home – where to start?



By identifying of existing situation and options the most suitable funding solution for the housing acquisition for the customer is found. Lending officers will prepare for you a custom-made schedule for the purchase of home.

We will help to find answers to questions:

  • What is my creditworthiness?
  • What monthly instalment would be affordable?
  • What own investment should be required for buying/reconstructuring?


We will help to plan yours dream. Our lending officers will advise you during the housing acquisition financing process.

We will help to find answers to questions:

  • What to keep in mind when choosing the property?
  • Housing acquisition – with the government support or not?
  • What is the step-by-step procedure towards the housing acquisition financing process?

Funding offer

It is easier to choose a home, if you are aware of your finances, comprehend the real estate market trends and know what to  keep in mind when choosing the home.

After finding a suitable property and filling out the loan application the bank will assess your ability to borrow and will make a loan proposal in the case of a favorable decision.

After obtaining the offer you most likely will have further questions – when, where, what documents must be submitted? – but everything will be simplified due to assistance of a reliable and professional lending consultant.

We will help to find answers to questions:

  • When, where, what documents must be submitted?
  • What additional expenses will occur during the acquisition process?
  • What is the action plan and further steps?

Loan approval

Housing loan must be a well-considered  decision. We care about first-rate customer experience, and therefore the lending officer will thoroughly explain the loan terms and conditions, guide you through the sequence of actions, procedures and requested documents. 

We will help to find answers to questions:

  • What is the action plan for further steps?
  • Whom to approach in case of queries?


Lending consultant will guide you in every next move, will explain loan agreements terms and conditions and the disbursement procedure. Lending consultant will guide you through documents.


Loan repayment

We will be near if you will need support during repayment. Loan agreement means an obligation to repay the loan over the entire repayment period. To simplify the loan instalment procedure they will be automatically withheld from the customer’s account in the bank. To avoid any issues, the best solution is to secure regular transfer of needed for pay credit installment income to your bank account.

We will help to find answers to questions:

  • What happens to the loan in case of selling the property during the repayment period?
  • What actions with the property require the coordination with the bank?
  • What to do in case of financial difficulties?

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

We will inform you and tell you how much you can borrow.

You will need the following documents:

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

Useful links

Housing loan conditions
How to borrow responsibly
Real estate in Lithuanian
Property valuers
Home Insurance
Early repayment calculator in Lithuanian
Rules on Granting Loans with Real Estate Pledge in Lithuanian

Your new home is closer than you think

You might also be interested in: Programme for Young FamiliesCredit CardsConsumer LoanHome Insurance, Mortgage Life Insurance

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 loan
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.

Loan amount Term Interest rate Agreement fee Pledge registration fee to the State Enterprise Centre of Registers Total amount payable by the consumer Monthly payment Annual Percentage Rate of Charge
60000 EUR 25 years 2.6 % 300 EUR 31.28 EUR 82122 EUR 272 EUR 2.68 %