Housing loan

Personalize your housing loan to your needs

Personalize your housing loan to your needs

  • 0 € loan agreement fee*
  • Full transparency on loan conditions
  • All remotely and digital
  • Fast application process

 

*The offer is valid if the new application is submitted during 19.08.2021. to 30.09.2021. and agreement signed within 3 months after receiving application

Build your personalized home loan

  • Choose as many additional benefits as you want on top of our standard offering
  • Get a tailored offer from our mortgage experts, who will help you find the best solution for you
  • Change your selection whenever you want – you have not committed to anything before signing the contract

Luminor

Standard Home Loan

  • 0 € loan agreement fee - the offer is valid if the mortgage loan application is submitted during from 19.08.2021. to 30.09.2021 and agreement signed within 3 months after receiving application
  • Down payment from 15 % (from 5 % with ALTUM guarantee)
  • Loan period up to 30 years
  • Salary transfer to Luminor not required

Additional benefits included for free:

Get personal advice from a dedicated expert throughout your entire loan process

Pay extra, or repay the full amount, whenever you want without any costs

Throughout the performance of the agreement, it is possible to postpone the principal payment for one month in a one-year period, without further explanation or documentation

Additional benefits

Luminor Black Card

Consumer loan discount

Loan repayment pause

Home insurance

Real estate valuation

Borrower’s life insurance

Loan payment insurance


Mortgage loan with ALTUM guarantee

State subsidy for large families with three or more children

For large families with three or more children for home purchase, building or renovation.

The amount of the grant is:

  • € 8 000 if the family has 3 children or 2 children and pregnancy
  • € 10 000 if:
    • the family has 3 children, or 2 children and pregnancy, for a purchase of a near-zero energy building
    • there are more than 3 children in the family, or 3 children and pregnancy
  • € 12 000 if the family has more than 3 children or 3 children and pregnancy,  for a purchase of a near-zero energy building

The maximum amount of the grant does not exceed 50 % of the amount of a home purchase, building or renovation costs.
 
Who can apply for the grant?

  • residents
  • family, if the average gross income per family member does not exceed € 17 000 during the last year
  • family that does not own another dwelling

You can only receive a grant once. The grant is linked to the bank loan and can be used without a housing guarantee.

State subsidy 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 

State subsidy 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 path to your new home

Fill in the application and submit documents online

Receive a call from our advisor to guide you through the next steps

Get a loan offer and introduction to the loan details in a call with our advisor

Sign the mortgage loan agreement remotely for your chosen property

Sign the documents at the notary and register the pledge in the mortgage register

Get the keys for your new home after the bank has transfered the money to the seller

Requirements to apply

  • You are at least 21 years old
  • You have a regular monthly income of at least 500 EUR
  • You have a combined monthly income of at least 850 EUR if you apply with a guarantor and you don’t have any dependents

Documents to apply

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