Real estate credit

Real estate credit issued by mortgaging property is suitable for repairing or decorating your home, for purchasing or repairing other real estate as well as for meeting other non-commercial needs of your family.


  • The total credit amount can be taken in parts over 12 months depending on the need.
  • After using the total credit You may postpone credit repayment for another 12 months.
  • Yo may repay the credit prior to its maturity on the interest changeover day.
  • No life insurance is needed to receive this credit.

Major conditions

This credit can be granted to adult citizens of the Republic of Lithuania or persons who have a permanent residence permit issued by the Migration Service under the Ministry of the Interior of the Republic of Lithuania and who receive permanent income.

Credit purpose

  • For residential house renovation, decoration.
  • To acquire buildings and premises of other purposes
  • For repair works at buildings and premises of other purposes
  • For implementation of other purposes except business.




Up to 10 years


It shall be determined on the basis of your and your family's income and the financial ability to repay the loan, as well as the value (price) of the purchased and / or mortgaged real estate.

Up to 70% of the market value or the price of the property (taking into account the lower amount) can be granted.


Collateral to ensure credit repayment

Property to be purchased or other immovable property acceptable to the bank shall be pledged.

Assessment of mortgaged real estate

Property to be purchased which is subject to pledge shall be evaluated by the real estate assessment company coordinated with the bank.

Insurance of mortgaged real estate

Property to be pledged shall be evaluated by the insurance company coordinated with the bank.

Interest rate                            

Variable interest rate

Interest rate shall be calculated as a sum of EURIBOR value of 1,3, 6 or 12  months and fixed margin, which however cannot be less than a minimum general interest rate determined by the bank.

The interest margin shall be determined individually.

Repayment method

The credit will be repaid linearly, i.e.  in equal instalments while interest will be calculated from the outstanding credit amount therefore the  instalments will reduce on monthly basis.

Documents required to apply for a real estate credit

Other documents shall be dicussed duringour meeting regarding the credit.

How to apply for this credit?

Fill in the credit application in a manner acceptable to You:

In case of any queries please contact us by tel. 1813 (+370 37 301 337 when calling from abroad) or e-mail to

We would like to draw Your attention that a total amount of the monthly instalments paid by You to various credit institutions should not exceed 40 per cent of Your total net income received per month.

Using financing services you accept financial liabilities. Before granting a credit the bank shall take into consideration your income and current liabilities.

Please borrow responsibly as a failure to fulfil financial liabilities can negatively impact Your credit history and increase the borrowing costs.