Mortgage Loan

It's good to have your own place not only under the sun, but also under the roof! Mortgage loan provides an opportunity to take care of this - with the help of this loan you can buy, build or reconstruct a dwelling house and purchase a plot of land for its construction.


Major conditions

A mortgage loan can be issued to adult citizens of the Republic of Lithuania or individuals who have a permit for permanent residence in Lithuania issued by the Migration Service under the Ministry of the Interior of the Republic of Lithuania and receive regular income.

Credit purpose

  • For the purchase of residential real estate with belongings;
  • For construction, reconstruction and finish construction works of residential real estate;
  • For interior decoration (repair) of the main residential real estate;
  • For purchase of a land where a house is intended to be build,  if a  mortgage loan to purchase a lodging is granted at the same time.




Up to 30 years


It is determined on the basis of the income of You and Your family and the financial ability to repay the loan, as well as the price (value) of the purchased accommodation and / or mortgaged real estate. Subject to finance:

for accommodation, which is the principal place of residence and not older than 15 years old

up to 85 per cent of  the market value or price of accommodation (taking into account a lower amount

for accommodation that is not a principal place of residence or You have already entered into a credit agreement for the acquisition or construction of real estate suitable for permanent residence, which is not older than 15 years old

up to 70 per cent of  the market value or price of accommodation (taking into account a lower amount)

Verify Your chances to receive a mortgage loan: CALCULATOR

Credit collateral

Acquired or built residential real estate shall be pledged.
In addition, other residential real estate acceptable to the bank may be pledged.

Evaluation of the real estate to be pledged

All assets pledged to the bank must be assessed before the customer is granted a loan.

Insurance of the real estate to be pledged

Prior to the disbursement of the loan the Customer has to insure the real estate to be pledged at the insurance company or insurance brokerage firm acceptable to the bank.  Minimum requirements for real estate insurance agreement are available here.

Interest rate  

Variable interest rate.

The variable interest rate is set by relating the contractual fixed interest margin to the 6-month EURIBOR.

The interest margin shall be determined individually.

Repayment method

Linear - the loan is returned in equal instalments, the interest is calculated on the remaining amount of the loan and, therefore, the contributions decrease on a monthly basis.

Annuity - the repayable portion of the loan and interest is calculated in such a way that the monthly instalments are the same until the loan is fully redeemed.

Documents required to apply for a mortgage loan

Other documents to be provided  will be discussed during the meeting regarding loan.

Where to apply for a mortgage loan?

Offer to Settlers

We would like to draw Your attention that a  total amount of the monthly instalments paid by You to various credit institutions should not exceed 40 per cent of  Your total net income received per month.

Using financing services you accept financial liabilities. Before granting a credit the bank shall take into consideration your income and current liabilities.

Borrow responsibly - if you fail to meet your financial obligations, you can lose real estate pledged while taking the loan. Improper execution of financial obligations can also adversely affect your credit history and increase borrowing costs.