Explore Luminor Black benefits
- Cash withdrawal from any ATM in the world and in Latvia within the monthly limit with no commission fee
- Travel insurance with included Covid-19 risk coverage for both you and your family
- Available with and without a credit limit and a 45-day interest-free period
Novelty! Loan for improving home energy efficiency and/ or installation of solar panels
To make your home environmentally friendlier, improve its energy efficiency – by wall insulation, window and door replacement, installation of a ventilation system and reconstruction of your heating system. Also investing in solar panels is contribution to a more sustainable future.
- Loan amount from EUR 4,000 to EUR 20,000.
- Loan term from 12 up to 84 months.
- Fixed annual interest rate 5.9 %*.
- Loan agreement fee: 1 % from loan amount (min EUR 60).
- Loan can be repaid before maturity without additional commission fees.
- No down payment required.
- The following information should be submitted before entering into the loan agreement:
1) an estimate made by the contractor of the solar panel or energy efficiency improvement works regarding the costs of the project, or a mutually concluded agreement on the work performance;
2) a statement that the customer or the spouse of the customer owns the real estate (information can be obtained from the Latvian State Portal latvija.lv).
Ownership certification is not required if the solar panels are to be installed outside the building, e.g. in the field (an estimate of the works or an agreement with the contractor is still required).
* Offer is valid from 10.02.2022 to 30.12.2022.
Consumer loan for your needs
- Consumer loan from € 1 000 to € 15 000 with interest rate starting from 8.5 %
- Agreement fee 1.5 % from loan amount (min € 60)
- For repairs, car, land, home purchase or other big purchases
- Our terms are transparent, with no hidden commission fees
- Simple and quick process
- Apply remotely and receive money in your account after the loan approval
Housing loan
- Financing of up to 95 % of the value of the housing in cooperation with Altum
- Quick and easy process
- The support of our housing expert throughout the process of buying real estate
- Option to repay the loan sooner with no commission fee
Car leasing at a rate of 1.89%
- For new and used cars
- Financing from € 8000
- Rate from 1.89 % for environmentally friendly cars, from 2.19 % for other cars
- Financial or operational leasing
