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Secured Loan

Secured loan can be used to repair or spruce up your home, purchase or repair other immovable property, and for other non-commercial needs of your family.


You can postpone the start of your loan repayment for 12 months after you have spent full loan amount.
Early repayment of the loan is possible free of charge on the interest rate change date.

Real Estate Credit Calculator

Credit period (months)
Common income per month (EUR)
Common liabilities per month (EUR)
Credit repayment schedule
Maximum amount of credit
Needed amount
Your monthly payment (EUR)

The specific terms of financing are determined individually and depend on the results of the client’s creditworthiness assessment.


If you took out a loan of EUR 55,000 for a period of 10 years with a variable interest rate of 3.5 per cent, where the payments are made on an annuity basis and you paid a one-off agreement administration fee of EUR 220, the annual percentage rate of charge would be 3.62 per cent and you would repay the total loan amount of EUR 65,484.67. The total number of loan payments – 120; monthly payment amount – EUR 543.87.

Annual percentage rate of charge is calculated based on the following assumptions: (I) the loan agreement remains in force for the entire agreed period and no amendments to its terms are made; (II) the loan is disbursed in full and immediately; (III) the parties properly fulfil their obligations on terms and conditions of the loan agreement; (IV) the interest rate specified in this example is applied throughout the effective period of the loan agreement, which, including other amounts payable, remains the same as at the time of concluding the loan agreement and applies until the end of the loan agreement; (V) no payment holiday is applied; (VI) the loan is not repaid before its maturity date. Costs of which the Bank is not aware are not included in the sample calculation of the total annual percentage rate of charge.

Enter the information in the loan calculator and find out whether you are eligible for the loan.
Find out the preliminary loan amount that you could borrow

Main terms and conditions

This type of loan may be granted to adult citizens of the Republic of Lithuania or individuals holding a permanent residence permit in Lithuania issued by the Migration Department under the Ministry of the Interior of the Republic of Lithuania and receiving steady income.

Purpose of the loan

  • Repair/finishing of residential property.
  • Purchase of buildings/premises for other purpose.
  • Repair of buildings/premises for other purpose.
  • Other purposes, except business.




Up to 10 years


Depends on your income and your family’s income and financial capacity to repay the loan, also the value/price of the immovable property to be purchased and/or pledged.
Financing is offered for up to 70 per cent of the market value or price of the property (whichever is lower).


The purchased property or other immovable property acceptable to the bank.

Valuation of the pledged immovable property

The immovable property offered as a collateral must be valued by a real estate valuation company agreed on with the bank.

Insurance of the pledged immovable property

Before the loan is disbursed, the client is required to insure the property pledged to the bank with an insurance company or insurance brokerage company acceptable to the bank. The minimum requirements for property insurance contracts are available here.

Interest rate       

Variable interest rate.
The interest rate is calculated as the sum of the 6-month EURIBOR rate and the fixed annual interest rate.

Repayment method

Linear, where the loan is repaid in equal instalments and interest is calculated on the remaining loan amount; therefore, monthly payments decrease every month.

Annuity, where repayable part of the loan and interest are calculated in a way that monthly payments are the same until the loan is fully repaid.

Documents required to apply for a mortgage loan

We will discuss what other documents are required during the meeting regarding the loan.

Where to apply for a mortgage loan?

Call 1813

Please note that the total amount of monthly loan payments that you make to various credit institutions should not exceed 40 per cent of the total net income you receive per month.

When you use financing services, you enter into financial commitments. Before granting a loan, the bank will consider your income and the existing commitments.

Borrow responsibly – should you fail to properly fulfil your financial obligations, you may lose the immovable property pledged for the purpose of receiving the loan. Improper fulfilment of financial obligations may also negatively affect your credit history and/or increase borrowing costs.