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.

Benefits

• The total credit amount can be taken in parts over 12 months depending on the need.  
• After using the total credit You may postpone its repayment for another 12 months – šiuo laikotarpiu mokėsite tik palūkanas;
• Credit repayment period - up even to 30 years.
• You may repay the credit prior to its maturity on the interest changeover day.
• If you take advantage of the offers provided by our partners, we will evaluate the property you are buying at no cost - you will save up to 100% of property valuation costs;
• We will advise you on choosing a lodging and help you with the paperwork;
• We will offer special conditions for newcomers who have chosen our bank's partner offers.

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.
Currency	Euro
Deadline	Up to 30 years
Amount	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)