Housing loan | Luminor

We know how important a decision is in everyone’s life to get a new home, build a house or move to a new home. We know how important it is to have a well-informed expert by your side to help you implement your ideas quickly and easily.

Fill out the application and receive a favourable housing loan offer. Experts of Luminor Housing Centre will be with you throughout the real estate purchase process – from the idea to the key.

Financing up to 95% with ALTUM guarantee

Financing up to 95% with ALTUM guarantee

Fixed interest rate starting from 1.9%

Fixed interest rate starting from 1.9%

Repayment period up to 30 years

Repayment period up to 30 years

EUR 0 housing loan application fee*


Mortgage loan with ALTUM guarantee

For families with children

  • for the purchase, construction or reconstruction of a real estate up to EUR 250,000
  • with children under 23 years of age or for families who are expecting a child
ALTUM guarantee period is up to 10 years. The amount of the guarantee is:
  • 10% of the loan principal and not more than EUR 10,000 if the family has one child or is expecting a child
  • 10–15% of the loan principal and not more than EUR 15,000 if the family has two children or one child and is expecting another one
  • 10–20% of the loan principal and not more than EUR 20,000 if the family has three children or two children and is expecting another one
  • 10–30% of the loan principal and not more than EUR 30,000 if the family has four children or three children and is expecting another one
The amount of the guarantee is increased by 5% if the loan is taken for the construction of a dwelling corresponding to the energy efficiency class of buildings “A” or a nearly zero-energy building 

For young professionals

  • up to 35 years of age 
  • with secondary vocational or higher education 
  • ALTUM guarantee period is up to 10 years. The amount of the guarantee is up to 20% of the loan principal and no more than EUR 50,000 

* The offer is valid for housing loan agreements concluded during the period from 19.07.2020 to 31.12.2020, as well as for new applications submitted during this period and the agreement is signed within 3 months after the loan offer is made.

In case you have any questions, contact Luminor Housing Centre 

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