If you need funds to purchase a summer house, a land plot for garden, a parking lot, a garage etc. or for home repair, choose a Luminor loan for real estate purchase or repair. You can also use Luminor financing to make your home more energy efficient - by replacing windows or doors, insulating walls or doing other things to improve the energy efficiency of your home!
- Annual interest rate from 8.9%
- Loan amount from €2000 to €30 000
- Loan agreement fee: 1.5% from loan amount (min €60)
- Loans from €7000 with no agreement fee. Offer valid until 31 December 2025
- Without downpayment or pledge
- You can conclude an agreement remotely
- Loan can be repaid before maturity without additional commission fees. In case of full early repayment of the loan, a proportional part of the paid fee will be automatically returned to your account for the period the loan was not used.
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The path to get your loan
Fill in the application online
Receive loan offer via call and get guidance through next steps
Sign the loan agreement remotely
Receive funds to your account and make your desired purchase
In case you purchased a real estate, register your property within 60 days after entering into the agreement
If you have signed the loan agreement for energy efficiency, you undertake to use the funds for the intended purpose of the loan


Requirements to apply
- You are at least 18 years of age
- Your regular, officially proven income is at least EUR 510 per month (after taxes)
- Monthly financial obligations must not exceed 40 % of your monthly income

Documents to apply
- Loan application
- Your passport or eID card
- We’ll inform you if we need any additional documents