Do you have kids? Having kids is great! It helps when you want to buy a house or an apartment!
Great advantages and savings
Funding of up to 95% of the property's value
Stamp duty for the transfer of title is reduced from 2 % to 0.5 %*
No state duty for registration of mortgage / pledge with the Land Register
Families with one child eligible to reduction of down-payment to 10% or EUR 10,000
Families with two children eligible to reduction of down-payment to 15% or EUR 15,000
Families with three and more children eligible to reduction of down-payment to 20% or EUR 20,000
*1) Maximum value of housing purchased under the Altum housing guarantee – EUR 200,000; on REs of up to EUR 100,000, stamp duty -0.5%, on RE whose value exceeds EUR 100,000, stamp duty shall be EUR 500 plus 2% of the real estate value in excess of EUR 100,000.
2) Subject to presenting the certificate of the Latvian Family of Honor ”3+ family card”.
Housing Loan Calculator
Calculate monthly loan payment and
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Your pasport or eID card + birth certificate for every child below the age of 18
Proof of declared address of the credit recipient and his/her children (The statement can be downloaded from www.latvija.lv, if you register via our Internet Banking, or can be issued at any Citizenship and Migration Department (PMLP) or municipal department at the declared address of the credit recipient.)
State Revenue Service (SRS) report about dependents, if in their birth certificate the credit recipient is not stated as one of the parents
Account overview for the last 6 months (if you are not our client)
Appraisal of the real-estate property serving as a security deposit