Housing loan

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

Fixed interest rate starting from 1.9%

Repayment period up to 30 years

EUR 0 housing loan application fee*

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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.

Housing Loan Calculator

Calculate monthly loan payment and
check your borrowing power

Calculate monthly payment
Check borrowing power

Purchase cost*

EUR

Downpayment* EUR

%

Interest rate*

%

Loan maturity*

years

Loan repayment schedule type

Annuity
Linear

Estimated monthly payment: EUR

Loan amount: EUR

The displayed result is informative and based on the approximate calculation.
Important!
Loan securing – mortgage on the real estate to be purchased.
To get the loan, you need a Luminor account and an internet bank, evaluation of Real estate, Real estate insurance throughout the life of the credit agreement.
Additional costs not included in the APR: Real estate insurance premium, Real estate appraisal costs, notary services, transfer fee for issuing a loan (if payment is made to another bank).

Check your borrowing power See payment schedule

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Payment schedule table

Payment No.	Installment	Interest amount	Loan repayment amount	Loan balance