Ready for a new home? | Luminor

If you are searching or already have found an apartment in newly built house or semi-detached house, we have an offer for you! Apply for an online consultation. We will support you during the whole real estate purchase process.

0 EUR agreement fee

0 EUR agreement fee

Use the opportunity and get a home loan for your new apartment in newly built house with no agreement fee.

Funding up to 95 % with ALTUM

Funding up to 95 % with ALTUM

A home loan with ALTUM housing guarantee comes with a smaller initial downpayment and makes buying  of your dream home affordable and convenient.

For newly built apartments

For newly built apartments

Offer is valid for apartments that has been put into operation no later than 01.01.2010.

Receive consultations remotely

Receive consultations remotely

You don’t have to come to customer service center to receive a housing loan consultation.
Book your online meeting time by calling +371 67 17 1880

Offer valid for:


Representative example of a housing loan:

Real estate price Loan amount Loan maturity Initial payment Agreement fee Annual Percentage Rate
EUR 70 000 EUR 59 500 30 years EUR 10 500 EUR 0  2.4 % 
Bank account maintenance monthly fee Monthly instalment (360 times) Payment for the registration of a mortgage in the Land Register Annual Percentage Rate (APR) Total amount payable  
EUR 1 per month EUR 232 EUR 73.73 2.47 % EUR 83 959  

Loan securing – mortgage on the real estate to be purchased. Bank financing up to 85%.
To get the loan, you need a Luminor account and an Internet bank, evaluation of Real estate, Real estate insurance throughout the life of the credit agreement.
Additional costs not included in the APR: Real estate insurance premium, Real estate appraisal costs, notary services, payment transaction fee for issuing a loan (if payment is made to another bank).

These estimates are for information only. The bank's offer may vary from case to case.

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