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Mortgage loan

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It is best to complete your application while logged in, as many fields are previously completed. The application enables us to find the most suitable solution for you and make you a personal loan offer. Completing an application does not oblige you to sign an agreement.

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Completing an application enables us to find the most suitable solution for you and make preliminary assessment of your solvency. Completing an application does not oblige you to sign an agreement.

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There’s no place like home!

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

  • Sustainability for the benefit of all: very attractive borrowing conditions for A+ and A++ energy-efficient housing.
  • Free early repayment if you choose variable interest rate.
  • A discount on the administration fee when you buy housing from a company we work with – all you need is to enter the code provided by the seller when you fill in the application.

Find out your possibilities

The loan must be secured by mortgage of real estate acceptable to the bank. By using financing services, you assume 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.

What are your needs?

Your total monthly payment cannot exceed %PERCENTAGE%% from your monthly incomes. We reccomend You decrease calculated loan amount or consider to increase loan term. Minimum mortgage loan amount is 20 000 euros.
  • Down payment starting from 15%.
  • Down payment can be lower or not applied when receiving the right for a subsidy approved by the municipality.

Loan

  • 0

Insure your

  • From 0
  • From 0
  • From 0

The result of the calculator is preliminary and it is not the bank's obligation to grant credit. The preliminary monthly payment is calculated by applying the Bank's margin indicated above and the Euribor interest rate valid 2 days ago (assuming that this amount will not change throughout the duration of the credit agreement) and defining that a year consists of 360 days and a month - 30 days (after concluding the credit agreement, it will contain the actual number of days in each calendar month is indicated), and the loan repayment method is an annuity. Fill out the application and get an accurate personal offer.
Insurance premium calculations are preliminary, and the final insurance conditions offered to you may be different. Insurance Illness and unemployment protection and Home insurance services are provided by the Lithuanian branch of Swedbank P&C Insurance AS through the agent Swedbank AB. Risk life insurance services are provided by the Lithuanian branch of Swedbank Life Insurance SE through the agent Swedbank AB.

Regular net monthly income at least 600 EUR per month after taxes, at least 1000 EUR per month with a co-borrower. Minimum mortgage loan amount is 20 000 euros.
Please indicate total amount (net of interest) of home loans, other mortgage loans repayable to creditors (banks, quick credit companies, natural or legal persons, etc.). The information should also be provided when you are a guarantor of such loans. Please specify the credit limit amount (net of interest). Please indicate total amount (net of interest) repayable to creditors (banks, quick credit companies, natural or legal persons, etc.) for all goods acquired by way of lease (the car(s), domestic appliances, etc. acquired on lease). The information should also be provided when you are a guarantor of such loans. Please indicate total amount (net of interest) repayable to creditors (banks, quick credit companies, natural or legal persons, etc.) of all loans obtained without pledging of property and the amount of limits granted in the bank or credit card account(s). The information should also be provided when you are a guarantor of such loans. Please indicate total amount (including interest) you must pay every month to creditors (banks, quick credit companies, natural or legal persons, etc.). The information should also be provided when you are a guarantor of such loans.
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The result of the calculator is preliminary, and it is not the bank's obligation to grant credit. The preliminary maximum possible loan amount is calculated by applying the Bank's margin, specified in the "Calculate monthly payment" section, in the "Interest rate" field, and the Euribor interest rate valid 2 days ago (assuming that this amount will not change throughout the duration of the credit agreement) and defining that a year consists of 360 days and a month - 30 days (after concluding the credit agreement, it will contain the actual number of days in each calendar month is indicated), and the loan repayment method is an annuity. Fill out the application and get an accurate personal offer.

Home exchange is a suitable solution when you wish to swap your current property for a new home that suits you better. After you have taken out a new mortgage loan, you will have to sell your current property and pay a portion of the new loan equal to the down payment as well as repay the balance of your current mortgage loan within a transitional period of up to 12 months. During the transitional period, we may defer the repayment of the loan instalments, so you will only pay interest to the bank.

Existing loan

Transitional period This is the period, during which, after you have taken out a new mortgage loan, you will have to sell your current property and pay a portion of the new loan equal to the down payment as well as repay the balance of your current mortgage loan within a transitional period of up to 12 months. During the transitional period, we will defer the repayment of the loan instalments, so you will only pay interest to the bank.

Loan for the new property after the transitional period

Balance of loan
Period 1 year
Monthly principal repayment 0 Postponed 0
Monthly interest payment 0 0 0
Total monthly payment 0 0 0

The result of the calculator is preliminary and it is not the bank’s obligation to grant credit. The preliminary monthly payment is calculated by applying the interest rate indicated above (assuming that this rate will remain unchanged for the duration of the credit agreement) and defining that a year consists of 360 days and a month of 30 days (once the credit agreement has been concluded, it will indicate the actual number of days in each calendar month), and the loan repayment method is an annuity. Fill in the application form and get an accurate personalised offer.
Insurance premium calculations are preliminary, and the final insurance conditions offered to you may be different. Loan payment protection insurance and home insurance services are provided by Swedbank P&C Insurance AS Lithuanian Branch through the agent Swedbank, AB. Risk life insurance services are provided by Swedbank Life Insurance SE Lithuanian Branch through the agent Swedbank, AB.

  • 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

documentHome exchange offer for those who want to buy a new home before selling their old one

  • 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

A state subsidy can be used for paying part of the home loan or part of the deposit.

Fill in application

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

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

List of independent property valuators documentDownload

What to do in case of loan repayment problems

  1. Determine how much you can expect to borrow based on your current salary and financial commitments.
  2. Fill in the application on the Internet Banking site and get a consultation.
  3. The bank notifies you of its loan decision.
  4. documentSign the loan agreement on the Internet Banking site and set up home insurance.
  5. After the notarial transaction, the bank will disburse the loan.

Any property to be bought and mortgaged must be appraised by an independent valuator.

  • Loan amount from 20,000 EUR.
  • Loan up to 85% of collateral value.
  • Loan term up to 30 years.
  • Income at least 600 EUR per month after taxes, at least 1000 EUR per month with a co-borrower.
  • Interest rate consists of individual interest margin and 6-month Euribor. If the Euribor rate is negative, it will be regarded as equivalent to zero.
  • Additional expenses (notary, real estate valuation) and bank fees will apply to your loan.
  • Loan is repayable on the basis of annuity or amortization schedule within the agreed term by pre-determined monthly payments on your chosen payment date.

You may select any of the following loan repayment methods:

  • Annuity method is the loan repayment method whereby the loan is repaid to the Bank in equal instalments consisting of the loan repayment amount and the interest amount, and such instalments are payable until the date of drawing up a new payment schedule.
  • Linear method is the loan repayment method whereby the loan is repaid to the Bank in equal instalments but the amount of the last instalment may differ from other instalments. I
  • Fixed payments annuity method is the loan repayment method whereby the loan repayment schedule is drawn up by the annuity method but the instalment consists of the interest payable for the past month and the repayable loan amount. The term of the loan agreement changes (increases/decreases) along with changes in the interest rates, however, not exceeding the pre-set term, and the monthly payment to the bank remains fixed. The fixed monthly payment may be increased for the client only in case if, along with the increase in interest, the term of the loan agreement reaches the maximum term and the fixed payment will be not sufficient to repay the loan and to pay interest. If the interest rate drops, the monthly payment decreases to the fixed amount.

The total interest rate for these loans consists of a variable interest base and an interest margin set for each customer.

The interest margin is calculated individually for each customer and depends on your credit payment history, the sustainability and continuity of your income in the long term, the liquidity of the mortgaged property, etc.

Interest base

The Bank applies the following interest bases:

  • EURIBOR interest rate base - Euro Interbank Offered Rate, expressed as an annual interest rate. EURIBOR is determined, administered and published by the European Money Markets Institute (EMMI) or other officially designated organisation. If the EURIBOR is negative, it is considered to be zero.
  • PRIME interest rate base for mortgage loans (no new loans are issued with this interest rate base):

    • Published by Swedbank on a daily basis for loans denominated in EUR;
    • consisting of two parts: EURIBOR (if EURIBOR is negative, it is considered to be zero) and the Country Economic Indicator.

For more information on the Country Economic Indicator, click documenthere.

The Variable Interest Base changes every 3/6/12 months, so the total amount of interest you pay may decrease or increase depending on the change in the Interest Base. Currently, only the 6-month part of the variable interest rate applies when signing a new loan agreement or when changing the interest rate under an existing loan agreement to a variable interest rate. The different maturity base is only applicable to loan agreements previously concluded where a different maturity base is already in place. When choosing a variable interest rate, it is important to take into account that the volatility of this interest rate during certain periods may also significantly increase your monthly interest payments to the bank due to the increase in the variable part. In order to ensure that you meet your obligations properly, the Bank recommends that you allocate no more than 30-40% of your income to meeting your financial obligations.

Find out today's Interest Base Rates here.

In the event of arrears or material breaches of the terms of the Loan Agreement, the Bank has the right to unilaterally change the interest margin. The margin will remain unchanged provided that there have been no recurrent and/or more than 15-day delays in the repayment of financial obligations to the Bank and/or the Bank’s group companies during the previous two years and there have been no breaches of the material terms of the Loan Agreement.

The long-term variable rate is fixed for a period of up to 5 years (for a new loan agreement currently being signed, or for a change in interest rates under an existing credit agreement, and for a long-term variable rate, the 5-year fixing period for the long-term variable rate applies). At the end of this period, the interest shall automatically change to a variable interest rate or, by agreement between the parties, the long-term variable interest rate may be reset.

The long-term floating rate may be fixed:

  • by signing a new Contract, provided that the maximum drawdown period is 2 months from the date of the binding offer of credit and provided that the amount of the loan is disbursed within one day.
  • for loan agreements already concluded, only after the full disbursement of the loan or at the end of the disbursement period.

In the case of a mortgage loan with long-term variable interest, the monthly instalment does not change during the period of your choice. However, it must be taken into account that at the time it is set, the long-term variable interest rate is higher than the variable interest rate applicable at that time.

Also, early repayment of a loan or part of a loan without the expiry of the interest fixation period or the maturity of the long-term variable interest, a change of the type of interest from long-term variable to variable or a change of the maturity of the long-term variable interest shall be subject to the charges set out in the Bank’s Fees for Services and Operations.

Choosing a long-term variable interest rate does not guarantee that you will pay less interest over the life of the loan, but it does allow you to pay the same fixed monthly payment as the economy changes and helps you to better plan your financial flows.

Service or operation name Fee, EUR
Fee for concluding the agreement
Loan administration fee, fee for increasing of a loan amount 0.4 % of a loan amount (minimum EUR 180)
Fee for amendments to the agreement
Fee for change of loan conditions1 (loan maturity, collaterals, etc.) EUR 180
Fee for setting of a grace period EUR 90
Fee for change of interest rate 0.4 % of taken and outstanding loan amount (minimum EUR 180)
Change of interest type from fixed to variable interest, or change of interest fixation term, or change of long-term variable interest2 term3 X% (minimum - 1.5 %) from outstanding amount of the loan the terms and conditions of which are being changed For the purpose of calculating the variable X, coefficient 0.084 is multiplied by the whole number of months remaining until the end of the interest fixation period or, respectively, until the end of period of the long-term interest fixed for a period exceeding 12 months
Early loan repayment fee
When at the moment of early loan repayment the loan is charged a variable interest rate fixed for a period not exceeding 12 months No fee. Minimum early repayment amount shall be not smaller than EUR 3004
When at the moment of early loan repayment the loan is charged a fixed interest rate or a long-term variable interest rate Compensation amount (C) shall be calculated in accordance with the procedure set forth in Annex 1
Other fees
Fee for granting the approval for remortgage (conditional mortgage) to another creditor5 EUR 150
Late payment charge for the outstanding part of the principal and for unpaid interest 0.05 % per each delayed day
Additional services EUR 45

Comments:

1 Fee for change of the agreement shall not apply in the following cases:

  • when a long-term variable interest rate is charged for euro-denominated loans where not more than 1 (one) month has elapsed after the end of the loan use period;
  • for change of the servicing bank account;
  • for change of repayment day;
  • when the property being mortgaged/already mortgaged to the Bank is insured by the Bank;
  • when the loan repayment schedule is changed upon early repayment of a part of the loan and the loan balance is arranged over the residual maturity of the loan;
  • setting of a grace period for 4 months when borrowers receive 10% or 20% subsidy for existing Mortgage Loan with State Support;
  • setting of a grace period upon early repayment of a part of the loan according to the loan agreement concluded before 12 May 2008, provided that no arrangements on the change of its terms and conditions (except for the agreement on property insurance) have been signed after the specified date;
  • setting of a grace period when according to the loan agreement concluded from 12 May 2008 or according to the loan agreement regarding the amendment of terms and conditions of which arrangements were signed after the specified date (except for the agreement on property insurance), where the early repayment amount is not smaller than EUR 3006;
  • loan agreement termination arrangements when borrowers have paid the loan administration fee of the established amount after conclusion of the loan agreement and the loan has not been granted.

In individual cases higher fee for change of loan conditions may apply.

2 Before entry into force of the Law of the Republic of Lithuania on Credit Relating to Real Property, interest fixed for the period exceeding 12 months, but not for the entire loan maturity, was considered to be fixed interest. As from 1 July 2017, such interest is designated as “long-term variable interest”.

3 No fee is charged when, upon expiry of the term specified in the loan agreement, the long-term variable interest specified in the loan agreement is changed into variable interest in accordance with the terms and conditions of the loan agreement.

4 Were the amount obtained by dividing the outstanding amount of the loan by residual maturity (in months) is smaller than EUR 300, the borrower shall have the right of early repayment of such part of the loan which is smaller than EUR 300.

5 Where the reason for the approval of remortgage is the sale of the mortgaged property to another person who must mortgage such property in order to secure the repayment the loan being taken, the granting of such approval shall be charged a fee as specified in the common Service and Operation Fees of the Bank for the issue of certificates (about loans being granted / already granted / repaid loans.

Annex 1:  Compensation amount (C) shall be calculated in accordance with the procedure

A typical example:

If the total amount of a real estate mortgage loan is EUR 89 000, with a loan agreement term of 26 years, at a variable annual interest rate of 4.4%, with a one-off agreement administration fee of 0.4% of the loan amount (EUR 356), a minimum daily service fee (EUR 1 per month), a mortgage registration fee (EUR 8.60), and with the mortgage repayments made by annuity, the annual rate of the total cost of the loan 4.62%, and the total amount payable by the borrower would be EUR 151 241.51 The total number of repayments is 312 and the repayment amount is EUR 482.58

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.

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

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

List of independent property valuators documentDownload

What to do in case of loan repayment problems

With the self-service feature, you can:

  • change payment date after the monthly payment has been made;
  • change payment account;
  • make early partial repayments.

Fill in the new loan application if you want to:

  • buy new property before selling old one;
  • apply for an additional loan.

With the implementation of the European Union regulation, the EUR LIBOR average interbank interest rate will cease in the beginning of 2022. Use of the USD LIBOR interbank rate has been extended until 30 June 2023.

I am a customer. What should I know?

Since Lithuania is part of the eurozone, the Bank has decided to replace the EUR LIBOR variable interest rate with the Euribor (Euro Interbank Offered Rate), which is the average interest rate for EU Member State loans. The 3-, 6- or 12-month Euribor rate will be used for credit agreements, depending on the base interest rate period of the previous LIBOR interest rate.

Euribor – the Euro Interbank Offered Rate for the duration of the interest period, expressed as annual interest (this concept does not apply when the Credit is a Preferential Credit for which the Agreement was signed in 2006. If the Credit is a Preferential Credit for which the Agreement was signed in 2006, and the currency of the Preferential Credit was the litas until 1 January 2015, the following Euribor concept shall apply to said Credit: Euribor – the arithmetic mean (expressed as annual interest) of the Euro Interbank Offered Rate published during the 30 (thirty) calendar days prior to the Interest Rate Change Date.) The Euribor reference rate is set, administered and published by the European Money Markets Institute or other officially designated organisation.

The total loan interest rate consists of the interest margin and the EUR LIBOR variable base interest rate. This change will not change the interest margin, but, like the EUR LIBOR variable interest rate, the Euribor fluctuates, which in turn may affect your monthly credit instalments, so the total interest paid may decrease or increase depending on the change in the variable interest rate.

You can find all of the latest information on Euribor benchmarks and their changes at: www.emmi-benchmarks.eu/euribor-org/euribor-rates.html

The EUR LIBOR variable interest rate will be automatically converted into the Euribor variable interest rate on the interest rate change date specified in the credit agreement following 1 March 2022, and customers whose agreements are linked to the EUR LIBOR index do not need to take any further action in that regard. Once the variable interest rate is changed to Euribor, the maturity of the EUR LIBOR variable interest rate provided for in the credit agreements will be applied (3, 6 or 12 months, respectively). In cases where the credit agreement provides for an interest rate change date before 1 March 2022, the last published value of the EUR LIBOR variable interest rate will be applied on that day, and the corresponding Euribor value will be applied on the next interest rate change date according to the rules set out above and in the credit agreement. Given that the 3-, 6- and 12-month LIBOR USD is planned to be published until 30 June 2023, credit agreements linked to the USD LIBOR index will continue to run as long as this index is published or is representative. Long-term and sustainable cooperation with our customers is important to us, so we will contact all customers using the USD LIBOR index individually. We value the proper treatment of our customers, as well as the institutions supervising banking operations, so our LIBOR change plan has been coordinated with the Bank of Lithuania.

If you have any questions about the transition, please call 1884.

Useful links:

A gift to Swedbank home loan takers

Senukai loyalty and discount card “New dweller”.

More information

Credit card under special terms

Discount for new mortgage loan holders

More information

Offer for new home loan holders

Running out of money to furnish or renovate your home? Take a look at our special offer for home loans.

More information

Get a discount card of Senukai shopping centre for new dwellers without any restrictions!

Move to live in your new home easier and faster! Customers who have signed the Swedbank home loan agreement will be given a special loyalty and discount card “New dweller” and will be able to use it for 24 months without any restrictions.

Other offers specifically for Swedbank customers include:

  • Household appliance offers at TOP prices. Read more
  • Discounts for Kamado Bono grills. Read more

Holders of the “New dweller” card are provided with the following benefits in Senukai shopping centres*:

  • A daily 30% discount on many items. Items that are not subject to this discount are sold at wholesale prices indicated in price labels;
  • A daily 30% discount on tools rental and sewing services;
  • A possibility to get a free interior design provided that at least 50% of items needed for the implementation of this design are bought in Senukai shopping centre;
  • Free delivery of items (up to 1.5 t) at a distance of up to 20 km from Senukai store in which the items have been ordered, while ordering items for EUR 300 and more during one shopping;
  • A consultation and service by a personal manager of Senukai;
  • A possibility to order items by phone, email or by visiting your personal manager.

* The discount card is not valid for purchases made in franchise stores (view list) and online.

How to get the “New dweller” card:

  1. Having signed the home loan agreement, the discount code for the card will be available on the Internet Bank under “My agreements”.
  2. Enter this code when signing up for the “New dweller” loyalty programme. The discount code can only be used when signing up online at www.senukai.lt.
  3. After you sign up, a manager of Senukai will contact you by phone and agree on the most convenient way for you to take the discount card.
Read more about the card and loyalty programme “New dweller”

The offer is valid until 2022.08.24. Swedbank, AB is not responsible for the quality of services and customer service by Senukai.

Find out more: www.senukai.lt

Phone: +370 700 35 522

E-mail: naujakurys@keskosenukai.lt

Credit card offer for new mortgage loan holders

Swedbank mortgage loan holders are eligible for special terms and conditions when purchasing a Classic or Gold credit card:

  • EUR 0 card issuance fee when ordering by post;
  • EUR 0 card administration fee for the first 6 months after issuance.

The normal monthly fee for a Classic credit card is EUR 1.44/month and EUR 3.47/month for a Gold credit card, with an issuance fee of EUR 2 when sent by post. You don't need to do anything extra to take advantage of the offer – the discount will be applied automatically to new mortgage loan holders.

You may benefit from the following credit card advantages:

  • The Gold card credit limit starts from EUR 600 and the Classic card credit limit starts from EUR 300, which will be very useful if you need money to furnish your new home.
  • 30 days with the Gold card and 25 days with the Classic card without interest on the credit limit used.
  • 180 days of shopping insurance is available for most goods.
More information

Important! This offer is valid only for new Swedbank mortgage loan holders who have a mortgage loan agreement with Swedbank at least 12 months before applying for a credit card. The offer is valid until 31 December 2022. The offer is preliminary and does not constitute a commitment by the bank to grant the loan.

Please note that by using the financing services you are making a financial commitment. Failure to meet your financial commitments may have a negative impact on your credit history, increase the cost of borrowing, and may result in enforced recovery.

Example of a standard annual percentage rate calculation: if you apply for a loan amounting to EUR 1500 with the loan agreement duration of 42 months, the loan repayment period of 4 months, the amount of the instalment of EUR 375 (in case of fixed payment credit card, the following is applicable: loan agreement period of 36 months, loan repayment period of 24 months, monthly amount of the instalment – EUR 75), also with the fixed annual loan interest rate of 19%, monthly minimum daily banking fee as established by the Bank (EUR 0.70 per month), monthly card administration fee and one-time card issuing fee, then, the total home small loan annual percentage rate would be:

  • 23% for a Classic credit card and the total amount of the home small loan paid by the borrower would be EUR 2552.
  • 24.9% for the Gold credit card and the total amount of the home small loan paid by the borrower EUR 2627.

The annual percentage rate of the total cost of the loan and the total amount payable by the borrower are calculated based on the assumptions that the Loan Agreement will remain in force for a term equal to the duration of the Loan Agreement, that the bank will disburse the full amount of the Loan to the borrowers on the date of signing of the Loan Agreement, that the parties to the Loan Agreement will perform their obligations under the Loan Agreement in accordance with the terms and conditions set out in the Loan Agreement, that the annual percentage rate, the level of the fees, and the other charges will be maintained at their level at the time of the conclusion of the Laon Agreement, and that these rates and other costs will remain unchanged and will continue to be applicable until the expiry of the Loan Agreement.

Exclusive offer for home small loans

New mortgage loan holders can use a special promocode for home small loans, which will not be subject to the agreement administration fee. This fee normally amounts to EUR 95 or more.

How and where to use the promocode? When you fill in the application form for a home small loan, enter the code in the Promocode field: NAMAI2022.

Briefly about the home small loan:

  • Suitable for those who are planning to renovate or furnish their home.
  • No down payment required.
  • You can borrow between EUR 5,000 and EUR 20,000.
More information

Important! This offer is only valid for new Swedbank mortgage loan holders who concluded a mortgage loan agreement with Swedbank at least 12 months before applying for a home small loan. The offer is valid until 31 December 2022. The offer is preliminary and does not constitute a commitment by the bank to grant the loan.

Please note that by using the financing services you are making a financial commitment. Failure to meet your financial obligations may have a negative impact on your credit history, increase the cost of borrowing, and may result in enforced recovery.

Standard example of calculation of the annual percentage rate for a home small loan: If you take out a loan of EUR 10 000 with a credit agreement duration (and repayment term) of 6 years (total number of instalments – 71), at a fixed annual interest rate of 9.9%, with a minimum daily service fee set by the bank (EUR 0.70 per month), the agreement administration fee of EUR 0, monthly instalments of EUR 185.33, paid by the annuity method, the annual rate of the total cost of the loan would be 11.28 % and the total amount payable by the borrower would be EUR 13 499.06.

The annual percentage rate of the total cost of the loan and the total amount payable by the borrower are calculated based on the assumption that the Loan Agreement will have a term equal to the duration of the Loan Agreement, the Bank will disburse the full amount of the Loan to the borrowers on the day of signature of the Laon Agreement, the parties to the Credit Agreement will perform their obligations under the Loan Agreement in accordance with the terms and conditions set out in the Loan Agreement and the annual percentage rate of interest, the amount of the fees and other expenses will remain the same as at the time of the conclusion of the Loan Agreement and will continue to be applied until the end of the Loan Agreement.

Kredito linija – itin lanksti paskola naujakuriams

Jei įrenginėjant naują būstą pritrūko santaupų, mūsų lanksti kredito linija padės padengti išlaidas už remontą ar stambesnius pirkinius. Patys nuspręskite kur ir kokiomis dalimis panaudosite gautas lėšas!

Trumpai apie kredito liniją:

  • kredito limitas iki 20 000 Eur, bet ne daugiau kaip 4 mėnesių grynųjų pajamų;
  • panaudotą kredito sumą galite grąžinti ir vėl naudoti 12 mėnesių;
  • palūkanas mokėsite tik už panaudotą kredito dalį, o už dar nepanaudotą mokėsite kur kas mažesnį įsipareigojimo mokestį.

Pasibaigus 12 mėnesių trukmės limito naudojimosi terminui ir jo nepratęsus, panaudotą kredito dalį turėsite grąžinti per 48 mėnesius.

Sužinoti daugiau

Pildyti paraišką

Atkreipiame dėmesį, kad naudodamiesi finansavimo paslaugomis Jūs prisiimate finansinius įsipareigojimus. Netinkamas finansinių įsipareigojimų vykdymas gali daryti neigiamą įtaką Jūsų kredito istorijai, pabranginti skolinimąsi, taip pat gali būti pradėtas priverstinis išieškojimas.

Prior to making a decision regarding the loan and its amount we recommend thoroughly evaluating your personal and/or family’s financial resources. Not more than 30–40% of monthly income is recommended to be allocated for the monthly payments of all your (family’s) undertaken financial obligations.

A typical example:

If the total amount of a real estate mortgage loan is EUR 89 000, with a loan agreement term of 26 years, at a variable annual interest rate of 4.4%, with a one-off agreement administration fee of 0.4% of the loan amount (EUR 356), a minimum daily service fee (EUR 1 per month), a mortgage registration fee (EUR 8.60), and with the mortgage repayments made by annuity, the annual rate of the total cost of the loan 4.62%, and the total amount payable by the borrower would be EUR 151 241.51 The total number of repayments is 312 and the repayment amount is EUR 482.58.

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.

A loan suitable for energy efficient solutions in your house.

With home insurance your home is protected both against everyday incidents as well as greater risks.

Life insurance protects your loved ones against difficulties.

Home small loan helps you out if you are planning to borrow more than 5000 EUR for home improvements.

Applicable for purchasing and installing solar panels by yourself as well as for purchasing already installed remote solar panels.

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Special offer!

Better have it before – the Gold credit card for your calm vacation

A special offer for the Gold credit card till 5 February 2023.

  • Travel insurance for you and family members traveling together.
  • Insurance for losses due to lost, stolen or delayed baggage and injuries while travelling.
  • No commission fee for cash withdrawal up to EUR 500 per month worldwide.
  • No mark-up fee when paying by card in foreign currency.

Offer ends in: