Consumer loan, Car loan
Fee
Agreement fee1.5% of loan amount, min EUR 60
Change of loan monthly payment dateEUR 50



To sign a loan agreement you need to have a payment account in Luminor Bank AS Lithuanian Branch. Information on charges and commission fees related to the opening and use of the payment account is available here.

The total cost of consumer loan APR calculating example:
If you receive a EUR 3 000 loan over a 5 year period, the total amount of your payment is EUR 4 178.88, monthly payment EUR 67.41, and the total annual percentage rate 14.79%. These calculations are carried out under the following assumptions: annual interest rate – 12.0%, the loan is repaid with annuity method, the loan agreement fee is EUR 60, minimum banking package fee EUR 1.5 per month.

Housing loan, Idea loan (Loan with collateral)
Fee
Agreement fee0.5% of loan amount or additionally disbursable amount, min. EUR 200.00
Agreement amendment fee*EUR 200
Change of loan monthly repayment date or loan repayment accountEUR 50
Commitment fee if loan disbursment exceeds 2 calendar months period from loan agreement sign-off date0.6% of unused part of the loan per year
Early loan repayment if interest rate is floatingFree of charge
Early loan repayment if interest rate is fixed for longer than 12-month termThe fee (compensation of Bank's losses occurred due to early credit repayment) is calculated according to the formula. ** If in loan agreement fee value has been set, it is calculated in accordance with credit agreement
Note delivery (notes being issued during period up to 10 days)
The note for re-pledge assets to another credit institutionEUR 150
Bank’s consent related to the property pledged to the BankEUR 35
Issue of copies of agreements or other documentsEUR 6 per agreement
Fee for "Rent to Buy" guarantee noteEUR 100
Additional fee for the note on Customer's request, issued during not more than 3 working daysEUR 15

* For example, changes in payment schedule, collateral composition, loan issuance conditions, loan currency etc.

In case the interest rate under the agreement is fixed for longer than 12-month term and its validity is terminated as a result of changing the terms and conditions of the agreement, then an additional fee is applied which is equal to the early repayment fee applied to loans with interest rate fixed for longer than 12-month term (see “Early repayment fee”). In such cases, the calculation of the fee is based on the loan amount with the changed terms and conditions but not on the pre-paid loan amount.
The validity of the interest rate fixed for longer than 12-month term is considered to be terminated in the following cases:
- the interest rate fixed for longer than 12-month term is changed into the interest rate changed on a 3, 6 or 12 month basis;
- the interest rate fixed for longer than 12-month term is changed into a lower interest rate fixed for longer than 12-month term;
- the loan currency is changed;
- the effective period of the interest rate fixed for longer than 12-month term is shortened;
- the loan amount provided by the agreement is reduced (or the entire loan amount is not drawn-down).

**The fee is calculated by the Bank losses due to early repayment.
The fee is calculated according to the formula: I = (ratio K * P),
where I – early repaument fee;
P – loan amount being repaid early;
Ratio K – value calculated by the Bank which depends on the financial market interest rates change, the rest of the period to a fixed rate expiry of the loan agreement and the final repayment date.
Ratio K can be calculated using dedicated calculator on Bank's website.

Credit limit to payment card
Fee
The fee for the use of the credit limit1% on the credit limit amount used during the respective payment transaction
The fee for the increased credit limit EUR 10
The fee for rescheduling the credit limit repayment EUR 30
Up-front feeFree of charge

The fee for the use of the credit limit is charged in case the interest provided under the agreement is 0%.
The fee for the use of the credit limit is not charged in case the borrower uses the credit limit by making a transaction with a payment card (except cash-out transaction).

Home flex loan (new loans are not issued)
Fee
Agreement amendment feeEUR 200
Annual default interest4% above loan interest rate, but not less than 16% of overdue amount
The note for re-pledge assets to another credit institutionEUR 120
Bank’s consent related to the property pledged to the BankEUR 35
Additional fee for the note on customer's request, issued during not more than 3 working daysEUR 15
Notification on loan agreement period endingEUR 2.90 per mailing
Overdraft (new overdrafts are not issued)
Fee
Up-front fee1% from credit amount, but not less than EUR 30
Agreement amendment feeEUR 30

Typical example:
If an overdraft of EUR 3 000 is granted for the period of 1 year with 16.00% overdraft annual interest rate, single Agreement fee of EUR 30 (applicable on the day of credit disbursement) and minimum service fee EUR 1.5 per month, the total amount payable by the consumer equals to EUR 3 343.12, total annual percentage rate of charge of overdraft equals to 20.63%.