Housing loan

Moving will be the hardest. We'll help with the rest

Moving will be the hardest. We'll help with the rest

  • Get personal advice from a dedicated expert throughout your entire loan process
  • Fixed or variable interest rate
  • In case of variable interest rate, 3-, 6- and 12-month Euribor is available
  • Favorable housing loan conditions on energy-efficient housing

Meet Luminor advisors

Just like you, our advisors are people – with their personality, sense of humour, and passion to help others. Here you will get to know some of them. If you feel that you are on the same wavelength with someone, indicate their name and surname in the application registration form!

Elīna Šķerberga

 

Strength: Purchase of property in a new project, loan for land acquisition or house construction

 

  

Rita Gudlevska

 

Strength: Purchase of property in a new project or the secondary market, purchase of property by pledging one’s own real estate (idea loan)

 

 

Olga Ivulāne

 

Strength: Purchase of property in a new project or the secondary market, purchase of property by pledging one’s own real estate (idea loan)

 

 

Līga Grīnberga

 

Strength: Purchase of property in a new project or the secondary market, or purchase of property needing repairs

 

  

Maksims Rupeka

 

Strength: Purchase of property in a new project or the secondary market, purchase of property by pledging one’s own real estate (idea loan)

 

  

Anastasija Grandāne

 

Strength: Purchase of property in a new project or the secondary market, loan for house construction or purchase of property by pledging one’s own real estate (idea loan)

 

 

Iveta Baruša

 

Strength: Purchase of property in a new project or the secondary market, loan for land acquisition or house construction

 

  

Egita Ribakova

 

Strength: Purchase of property in a new project or the secondary market with or without repairs or Altum guarantee

 

 

block-image

Personalised housing consultations

You want to buy a home or renovate your existing one but you don’t know where to start? Our experts will advise you and help you throughout the home acquisition process.

Remotely, at a place and time convenient for you.

Housing loan with ALTUM support

For large families with three or more children (subsidy)

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.

For families with children (guarantee)

  • for the purchase, construction or reconstruction of a real estate up to € 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 € 10 000 if the family has one child or is expecting a child
  • 10–15% of the loan principal and not more than € 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 € 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 € 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 (guarantee)

  • 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 € 50 000 

For National Armed Forces soldiers (guarantee)

A guarantee for a bank loan to cover the down payment for purchase or construction of housing by soldiers of the National Armed Forces.

  • Persons eligible for the guarantee are soldiers of the National Armed Forces, provided that the price for purchase or construction of housing does not exceed € 250 000
  • Guarantee term is up to 10 years
  • The guarantee covers up to 25% of the principal loan amount but not more than € 20 000
  • The guarantee can be applied for repeatedly if 3 years have passed since the previous guarantee was granted and the obligations under the previous guarantee have expired

Find a property from our partners offers

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 housing loan agreement for your chosen property remotely

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 for obtaining a loan

  • You are at least 21 years old
  • You have a regular monthly income of at least 680 EUR
  • You have a combined monthly income of at least 1100 EUR if you apply with a co-borrower and you don’t have any dependents

Documents to apply

See our other products

For renovation and property acquisition

Learn more

Loan for land acquisition

Learn more

Idea Loan

Learn more