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Projects Coordinated since 2017-11-01

Interest

3 per cent fixed interest rate shall apply in the first five years of the loan, Bank's margin of 3 per cent plus 6 months EURIBOR (negative EURIBOR will be treated as 0) - for the remaining fifteen years.

Loan maturity

Up to 20 years

Loan purpose

Payment for construction works

State support

Up to 30 per cent For measures to increase energy efficiency set by the Government of the Republic of Lithuania

Additional state support

up to 10 per cent of the investment is compensated when the renovation (modernization) project includes installation of a separate or modernisation of existing non-automated heating point in the multi-apartment house, installation of balancing valves on the stands and (or) the heating system is rearranged or replaced by installing individual heat metering devices or sensor system and (or) thermostatic valves in apartments or other premises.

Project manager  a person acting according to the assignment agreement by the decision of the apartment owners, providing administration services for the apartment building renovation project.

Borrower

The administrator of an apartment building *, a legal or natural person who signs an agreement on behalf of the owners of apartments and other premises and who administers the apartment building renovation project himself or with the help of the Project Manager.

Grace period

During the period of the credit use, the repayment of the principal and interest is deferred.

Disbursement of the Credit

Loan funds shall be paid directly to contractors for finished works.

Fees

Fees on document analysis, credit administration, obligations, contractual terms and early repayment shall not apply.

Credit currency

Loans shall be issued in euros.

Credit repayment approach

Credit is repaid in a linear annuity method - the instalment is reducing each months.

Early repayment of the credit

Inhabitants may repay the credit or its portion prior to the set maturity. This shall not be subject to any extra charge or penalties.

 

* The administrator of an apartment building can be the following: 

Apartment Owners Association or an authorized person acting on the basis of the Apartment Owners' Joint Activity Agreement (JAA)thatis registered in the Real Estate Register (RER) as the manager of the common use objects of a particular Apartment House;

 or

a legal entity that has been appointed as the administrator of the implementation of the Municipal Programme by the decision of the municipality.