Real estate
loan

You can use the funds from this loan to purchase or renovate non-residential real estate, or you can use the funds for other purposes. The loan is issued against collateral.

Real estate loan
benefits

Deferral of loan repayment

You can postpone the start of your loan repayment for 12 months after you have spent full loan amount.

Flexible repayment

You can repay your variable-rate loan free of charge at any time.

Wide range of purposes for which the loan can be used

You can use the funds to purchase or renovate various types of real estate, as well as for other purposes.

Real estate loan
calculator

Credit period (months)

Common income per month (EUR)

Common liabilities per month (EUR)

Borrow

Alone

Together with the spouse/co-debtor

Credit repayment schedule

Annuity

Linear

Needed amount

Your monthly payment (EUR)

- EUR

Maximum amount of credit

- EUR

The calculator results are preliminary. The exact financing terms are determined individually and depend on the assessment of the customer's creditworthiness.

Representative example of the total cost of a real estate loan

If you take out a loan of EUR 90,000 secured by real estate for a term of 30 years, with a variable annual interest rate of 5.93%, using the annuity repayment method, and pay a one-off agreement administration fee of EUR 360, the annual percentage rate of charge (APR) would be 6.13%, and the total amount payable by you would be EUR 193,158.64. The total number of loan repayments would be 360, and the monthly instalment amount would be EUR 535.55.

The annual percentage rate of charge is calculated based on the following assumptions: (I) the credit agreement remains valid for the entire agreed term and its conditions are not changed; (II) the loan is disbursed in full and immediately; (III) the parties fulfil their obligations in accordance with the terms and deadlines set out in the credit agreement; (IV) the interest rate specified in this example applies throughout the entire term of the credit agreement and, including any other amounts payable, remains unchanged from the date of conclusion of the credit agreement until its expiry; (V) no payment holiday or deferment period applies; and (VI) the loan is not repaid early. Costs unknown to the Bank are not included in the representative APR calculation.

The obligation to repay the loan is secured by a mortgage on real estate.

Failure to comply with, or improper compliance with, the terms of the credit agreement may result in the loss of ownership rights to the mortgaged real estate.

Interested?

You are welcome to take advantage of this opportunity and fill out the application form online.

Fill out the application form

Main information

Main terms and conditions

This type of loan may be granted to adult citizens of the Republic of Lithuania or individuals holding a permanent residence permit in Lithuania issued by the Migration Department under the Ministry of the Interior of the Republic of Lithuania and receiving steady income.

Purpose of the loan	For the purchase of various types of real estate For the repair and finishing of various types of real estate Other purposes
Currency	Euro
Term	Up to 10 years
Amount	Depends on your income and your family’s income and financial capacity to repay the loan, also the value/price of the immovable property to be purchased and/or pledged. Financing is offered for up to 70 per cent of the market value or price of the property (whichever is lower).
Collaterals	The purchased property or other immovable property acceptable to the bank.
Valuation of the pledged immovable property	The immovable property offered as a collateral must be valued by a real estate valuation company agreed on with the bank.
Insurance of the pledged immovable property	Before the loan is disbursed, the client is required to insure the property pledged to the bank with an insurance company or insurance brokerage company acceptable to the bank. The minimum requirements for property insurance contracts are available here.
Interest rate	A variable interest rate is an annual interest rate on a loan consisting of a margin and the 3-, 6- or 12-month EURIBOR. The margin amount is determined individually.
Interest rate	Fixed interest rate – this is an annual credit interest rate set for a period of five (5) years, during which a fixed percentage rate applies. Upon the expiry of the five-year period, a variable interest rate determined at the time of contract conclusion will apply for the remaining term, unless you and the Bank agree otherwise.
Repayment method	Linear – where the loan is repaid in equal instalments and interest is calculated on the remaining loan amount; therefore, monthly payments decrease every month. Annuity – where repayable part of the loan and interest are calculated in a way that monthly payments are the same until the loan is fully repaid.

Documents required to apply for a secured loan

Loan application form for natural persons.
Identity document of the borrower and his/her spouse.

We will discuss what other documents are required during the meeting regarding the loan.

Relevant links

Please note that when applying for a real estate loan, the total amount of monthly repayments you make to various credit institutions should not exceed 50% of your total net monthly income.

When you use financing services, you enter into financial commitments. Before granting a loan, the bank will consider your income and the existing commitments.

Borrow responsibly – should you fail to properly fulfil your financial obligations, you may lose the immovable property pledged for the purpose of receiving the loan. Improper fulfilment of financial obligations may also negatively affect your credit history and/or increase borrowing costs.