Housing loan | Luminor

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

Consultations at place and time convenient for you

You may also be interested in our partners offers

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

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

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