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Home small loan

A new home or refurbishment – now it’s a breeze!

A simple solution if you’re looking to buy a property or undertake your home renovation.

  • Loan amount 5 000-20 000 EUR.
  • Annual interest rate from 7,9 percent.
  • No mortgage placed on real estate.
  • No down payment required.

Please note, that by using financial services you assume financial obligations. Improper execution of financial obligations may adversely affect your credit history and raise the cost of borrowing, and it can also cause initiation of enforced recovery.

Fill in an application in 2 min Get personalized offer Sign the agreement via internet bank

Average income in the last 6 months. If you are applying with a co-borrower, add their monthly income too.

Fill in how much on average you spend each month on existing obligations (loans, leases, instalments, etc.). If you are applying with a co-borrower, add their monthly obligations too.

The maximum loan amount is calculated for a maximum term of 10 years.

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The data provided by the calculator is for information only, however it gives you a picture of what could be the size of your monthly payments for loan. The result of the calculator is provisional and does not constitute a commitment by the bank to grant credit.

We would like to note that before deciding to take a loan you should carefully assess your personal and (or) your family’s financial perspectives and possibilities.

Typical example

If you applied for a home small loan amounting to EUR 10 000 with loan agreement duration (and loan repayment term) of 6 years (the number of instalments – 71) with the fixed annual interest rate of 9.9% and the following applicable fees: a minimum daily services fee (EUR 0.70 per month) as established by the Bank; agreement administration fee of EUR 100; monthly payments of EUR 185.33 using annuity method, then, the loan annual percentage rate would be 11.30% and the total amount paid by the loan receiver would be EUR 13 544.15.

Calculations of the total loan annual percentage rate and the total amount payable by the borrower are based on the assumptions that the Loan Agreement will be valid for the entire duration of the Loan Agreement, the total Loan amount will be paid by the Bank to the borrowers on the day of signing the Loan Agreement, the parties to the Loan Agreement will fulfil their obligations arising from the Loan Agreement by respecting the terms and conditions set out therein, the rates and other expenses will remain the same as on the day of concluding the Loan Agreement and will continue to be applied until its expiry.

Annual interest from 7.9% to 15 %

  • Suitable for purchasing flat, summer house, land plot for garden, parking lot, garage, pantry, etc.
  • Perfect for a major repair, much-needed remodel or general home improvements in your owned real estate.
  • Home small loans from 5 000 to 20 000 EUR.
  • Loan period up to 10 years, so monthly payments may be lower.
  • May be repaid before maturity without additional fees.
  • No collateral required.
  • Choose your preferred payment date.
  • Money transferred immediately after signing the contract.
  • Property valuation not required.

Home small loan with the purpose of home repair, is regulated and granted pursuant to the Law on Consumer Credit of the Republic of Lithuania.

Home small loan with the purpose of the purchase of real property, is regulated and granted pursuant to the Law on Credit Related to Real Estate of the Republic of Lithuania. General information on home small loan is provided here.

Land with buildings to be improved has to be registered in your name in the land register and not mortgaged for the benefit of third parties before applying for a loan for repairing, renovating or building purposes.

  1. Fill out the application on the Internet Bank or at any Swedbank branch.
  2. We will inform you about the decision by phone, via SMS or internet bank message.
  3. You can get acquainted with the terms of the agreement in the Standard credit information provided via the Internet bank.
  4. If the conditions are acceptable to you, sign the agreement in the Internet bank or Swedbank branch.
  5. We will transfer money to your account immediately after signing the agreement.

Register the purchased real estate in your name in the land register within 90 days after signing the loan agreement. Otherwise, standard consumer credit rate will be applied to your loan.


  • If you take a loan by yourself*, your income must be at least 450 EUR per month after tax.
  • If you take a loan with a co-borrower, total income of a family (co-borrower) must be at least 800 EUR per month after tax.
  • You must be earning a steady income for at least 6 consecutive months and your probation period must be over.


  • Monthly expenses for covering your credits must not exceed 40% of your monthly income.
  • No outstanding credits in Swedbank or other creditors or outstanding bills.
  • Be ready to submit the the official documents at a branch evidencing the receipt of the income if the expected source of repayment is not a salary/wages.
  • Where the currency of the major share of your earnings is not EUR, the granting of a home consumer loan for the purchase of real property may be restricted in certain cases. All these cases are evaluated individually in order to properly assess the customer’s financial situation, its stability and earnings sustainability.

*If you are married, but want to take a loan by oneself, please, indicate that you want to get a personal loan, then filling in the application. If your income is not enough to get such a personal loan, your spouse will have to fill out a co-borrower application, so the bank can assess the family's creditworthiness.

  • Fixed interest rates in the range of 7,9-14% determined individually for each customer depending on the amount of the loan, customer’s credit history, loyalty to the bank.
  • Interest is paid from the total outstanding amount of the loan granted.
  • Contract fee 1% of loan amount; at least 95 EUR.
  • You should have active Swedbank account. All information about handling of accounts fees is published on bank fees section.
  • If the purpose of the loan is the purchase of real property, an account may be a Limited Use Account. A Limited Use Account is an account opened at the Bank of the Credit receiver at the terms and conditions established by the Bank, including limited functionality, which is targeted only at making payments of the loan agreement, accumulate necessary funds and administrate the loan.
  • Loan payments are automatically debited from your Swedbank account or limited use account on the basis of annuity schedule within the agreed term by means of pre-determined monthly payments on your determined payment date (3, 7, 12, 17, 22 or 27).
  • Loan term from 6 months to 10 years.
  • The process of debiting a borrower’s account with the amount payable under a credit agreement begins at 17:45 on the payment day specified in the agreement. Make sure you have sufficient funds available in the account.
  • Possibility to make early repayments without any additional fees.
  • When purchasing real property is the purpose of a loan, it is required to register purchased real property on the name of the borrower in Real Property Cadastre and Register of the Republic of Lithuania in 90 days from the date of Credit agreement signing.
  • In case of failure to register the property on time, the bank shall have the right to cancel the discount for interest rate and apply standard consumer loan interest rate, or, you may repay the loan before maturity without any additional charges.

Please note that some services related to the awarding of the loan is subject to fees established by third persons (for example, a Credit receiver might be subject to payment of fee to a Notary Public, e.g., for notarization of an agreement of purchase of assets, intended to be bought from credit funds, etc.).

Discount for new mortgage loan holders

More information

Exclusive offer for new mortgage loan holders

New mortgage loan holders can benefit from a special promocode for a home small loan, which will not be subject to the agreement administration fee. This fee is normally EUR 95 and 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.

Fill in the application form

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 loan agreement, 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 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.

A loan suitable for energy efficient solutions in your house.

Loan that can help you to fulfill your plans!

Especially worth for buying or building a home, furnishing or renovating, paying for educational expenses or medical expenses.

Especially worth pay by credit card for expensive purchases because for most of them is valid purchases insurance. Credit card will be useful as well if you need extra money in small amounts for short time.

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

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