Mortgage loan – ready for your dream home?

Housing loan

Financing up to 95% with ALTUM guarantee
Interest rate starting from 1.9% + 6 months Euribor
Loan period up to 30 years

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

Mortgage loan NEW calculator

Housing Loan Calculator

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Creditor: Luminor Banka AS Latvian branch. The pledged property must be insured. Notary fees, property valuation and insurance costs are not known to the bank and are therefore not included in the annual percentage rate of charge. The fulfillment of obligations under the loan agreement will be secured by a real estate mortgage.

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