What should I do if I wish to change the owner for the real estate which is pledged at Luminor?

For the change of a pledgor there are usually two reasons:

  • in the event the real estate is sold;
  • the ownership of the pledged real estate is changed to a spouse, borrower or guarantor. 

Taking into consideration the fact that the change of the pledgor is not possible without a written consent of Luminor, we will need your written application with a request to issue our consent for the change of the owner of the real estate.

You can file your application in the Internet bank under the section Notifications. 

The commission fee for our consent for the actions with a pledged real estate property, as well as information on the extent of the commission fee for changes in the loan documentation is available: Mortgage loan and Private loan.

Taking into consideration that our consent for the change of pledgor is valid for 3 (three) months, in the event the real estate is sold, we kindly recommend to obtain a consent of the purchaser for the purchase of the property and only then to file the application for our consent. 

What should I do if I wish to reconstruct or renew the real estate which is pledged at Luminor?

The reconstruction of the real estate (including, redesign, reconstruction, renovation) is allowed only as provided for by the legal enactments by coordinating it with respective institutions.

Prior to going to the construction board you will need our consent.  You can file your application for our consent in the Internet bank under the section Notifications. 

Commission fee for Luminor consent for the actions with the pledged real estate property: Mortgage loan and Private loan

How can I apply for loan repayment holidays?

Please contact us by sending a message via internet bank, if you have any worries regarding payment difficulties. We will look at all cases individually and find the most suitable solution for every customer. More information here.

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