Mortgage loan

"Swedbank" is always in your hands. Conclude a home loan agreement in the Internet Bank!

Home loan will be a perfect solution if you need a loan for a new home, serious renovation or construction.

  • Remote process for loan consultation and granting
  • Fast application processing
  • Opportunity to pay back earlier and manage your contract via Internet Banking
  • Special real estate offers to make moving easier
Find out your possibilities

The loan must be secured by mortgage of real estate acceptable to the bank. Please note, that by using these financing services, you are assuming financial obligations. Improper fulfilment or non-fulfilment of financial obligations may have a negative impact on your credit history and make borrowing more expensive; you also risk losing ownership rights to the mortgaged real estate.

Net income should be at least 500 euros, or 800 euros if taking out the loan with a co-applicant.
Net income should be at least 550 euros, or 800 euros if taking out the loan with a co-applicant.
Net income for 2 or more dependents must be at least 800 euros.
Net income should be at least 800 euros, or 800 euros if taking out the loan with a co-applicant.
Net income should be at least 800 euros, or 800 euros if taking out the loan with a co-applicant.
Your income is too small for granting a home loan.

Find out possibilities

Borrower



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The calculator’s result is preliminary and this is not the Bank’s obligation to grant a credit. The preliminary monthly instalment is calculated applying the annual interest rate of 2.3 % (assuming that this rate will not change during the credit agreement period), the year consists of 360 days and the month of 30 days (it will be specified in the credit agreement that a month consists of actual number of days of a calendar month) and loan repayment method is annuity. Fill in the application and get a precise personal offer.

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Application form for a co-applicant Compare different loan options
Home loan
  • For buying new home.
  • For purchasing land plot and building a home.
  • If you wish buy new property before selling the old one.
  • Down payment starting from 15%.

Fill in application

Home Equity Loan
  • For other bigger expenses by collateralizing your own property.
  • For furnishing, remodelling, renovating or buying other properties (e.g. a summer house).
  • Down payment may not be needed if you collateralize your own property.

Fill in application

Mortgage Loan with State Support

Home Loans and Home Equity Loans. General Terms and Conditions Download

Mortgage Loans with State Support (from 2006) and Home Loans Insured by UAB ‘Būsto paskolų draudimas‘. General Terms and Conditions Download

List of independent property valuators Download

What to do in case of loan repayment problems

A typical example:

If the total amount of a home loan being taken out related to real estate is EUR 67,000, when the duration of the credit agreement is 26 years with a 2.3 per cent variable annual interest rate, paying a one-off loan agreement administration fee established by the bank of 0.4 per cent of the credit amount (EUR 268), the minimum daily service fee (EUR 0.70 per month), the mortgage registration fee (EUR 31.28) and annuity mortgage payments, then the annual percentage rate of charge would be 2.4 per cent, and the total amount paid to the borrower would be EUR 89,758. The total number of loan payments would be 312, and the amount of each instalment would be EUR 286.

The annual percentage rate of charge, the total amount payable by the borrower, the total number of loan payments and the amount of each instalment are calculated under the assumption that the credit agreement will be valid for a period equal to the duration of the credit agreement, that the entire loan will be paid out on the day that the agreement is signed, that the parties will fulfil all of their obligations properly, and that the variable interest rate, fees and other costs will remain the same as at the time of conclusion of the credit agreement and will continue to apply until the end of the credit agreement. A customer shall also bear the costs of property insurance and appraisal. These costs depend on the individual characteristics of collateral and, therefore, are not included in the total credit price in the example above.

If the loan agreement is concluded in a foreign currency, i.e. if the currency of the customer’s revenues (or the major share thereof) and/or the customer’s state of residence, which is an EU member state or a member state of the European Economic Area, from the currency of the loan issued in euros, the change of the foreign currency compared to euro may significantly increase the amount of the issued loan and the associated payments.

The loan must be secured by mortgage of real estate acceptable to the bank, and the mortgaged property must be insured by concluding an insurance agreement. A report by an independent property appraiser may be required on the value of the collateral. The costs of property insurance and appraisal depend on individual characteristics of collateral, and shall be prescribed by agreements you may have with the relevant service providers.

By using these financing services, you are assuming financial obligations. Improper fulfilment or non-fulfilment of financial obligations may have a negative impact on your credit history and make borrowing more expensive; you also risk losing ownership rights to the mortgaged real estate.

Besides, a loan administration fee may be charged at the time of entry into a credit agreement. Loan administration fees and other fees are provided here.

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Should you have any questions, come for a consultation at a time convenient for you.