Housing loan | Luminor

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Housing loan

Owning your own home is a big and very important decision. Especially if it is your first home. Let us help you to make it happen. It doesn't matter it you want o buy, build or renovate. We will support you during whole real estate purchase process and will offer most appropriate funding for you plans.

EUR 0 agreement fee*

Other housing loan benefits

  • Funding of up to 85% of the property's valuation
  • Customer’s contribution can be reduced by choosing a mortgage loan with Altum guarantee
  • Existing property can be part of client`s investment
  • Maturity up to 30 years

7 steps till your new home

  • Idea. Considering buying of your first home, you might have a lot of unclear questions. Is it the right time to buy? How much can I get from the bank? Approximate estimates of your creditworthiness can be checked by using the credit calculator.
  • Opportunities. During the consultation, you will receive answers, based on your individual situation, and recommendations for the most appropriate funding solution for your home purchase. Apply for a consultation and we will help you to find out the key aspects before you search for a home and think on a mortgage loan.
  • Solutions. You will receive a pre-offer and a more detailed action plan for your home buying with a mortgage loan. Choosing a home is easier once you understand your financial capabilities and real estate market trends. You may also be interested in our partners offers.
  • Funding. Once you have found the property that suits you, you will have to submit documents for receiving a decision.
  • Loan approval. After submitting the documents, a final decision will be made for you. Personal credit advisor will guide you through the next steps of getting the loan.
  • Agreement. Before signing the contract, we will introduce you with credit conditions and money disbursement arrangements.
  • Loan repayment. After registering the pledge, the bank will transfer the money according to the terms of the agreement. The loan will be repaid automatically from your bank account. You will be able to make early repayment at any time through your Internet bank.

*Offer is valid:

- submitting application from 10.03.2020 till 28.05.2020 and signing the agreement till 28.08.2020.
- for loans up to 200 000 EUR

Housing Loan Calculator

Calculate monthly loan payment and
check your borrowing power

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Real estate purchase price or total costs of renovation / construction works.Tap to close

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The part of the cost which you are going to cover using your own funds.Tap to close

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Provisional annual interest rate. You will be informed about the exact interest rate after submitting the form.Tap to close

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In case the Annuity repayment schedule is chosen your monthly credit payments will be the same throughout the credit repayment period. In case the Linear repayment schedule is chosen your monthly credit payments will be higher at the beginning of the repayment period and smaller at the end of the repayment period.Tap to close

Loan repayment schedule type

Estimated monthly payment: EUR

Loan amount: EUR

The displayed result is informative and based on the approximate calculation.

Provide the below requested information to check how much you can borrow.

Number of borrowers
EUR
EUR
EUR

Favourable amount for new loan: EUR

Indicative monthly loan payment: EUR

The displayed result is informative and based on approximate calculation.
Please press "Apply now" to receive an offer from us. If you’d like to change loan conditions, press “Change”

Apply now Change

Payment schedule table

Payment No.InstallmentInterest amountLoan repayment amountLoan balance

Consultations at place and time convenient for you

You may also be interested in our partners offers

Learn more

How to purchase home with a housing loan?

1

Find out your loan options

Use the calculator or apply for consultation

2

Fill out the application

  • Fill out the application and get consultation on your loan options
  • After submitting all the necessary documents, you will receive a loan offer

3

Submit the documents

4

Receive a loan

  • Submit documents to the Land Register office on the purchase of dwelling and the pledge registration
  • After the registration of documents, we will transfer the money for home purchase

Necessary documents

  • Loan application
  • Passport or eID card
  • Account overview for the last 6 months (if you are not our client)
  • Real estate serving as a security deposit price estimate

Become a customer remotely

Apply

Useful links

ALTUM offer for the families with children and young professionals
Guarantor Application
Real estate evaluators
General information on loans secured by a real estate mortgage
Real Estate Collateral Insurance Requirements for Private Individuals
Pricelist
Loan application
Rules
Interest rates
Great real estate offers from Salvus

 We will assist you in fulfilling your dream about a new home! 

Apply

See also: Banking packages, Consumer loan, Credit cards, Real estate insurance, Mortgage loan with state guarantee