https://www.citadele.lt/en/private/mortgage

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Mortgage loan

A loan to purchase or build your chosen home. Apply online and receive a personalised offer.

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Up to 85% financing from property value

Receive an individually-calculated rate.

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Remote application

Get the initial offer in one business day.

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Home loan borrower's life insurance

For family financial protection in the event of unforeseen events.

Typical example

If a loan of 90 000 EUR is taken out for a period of 27 years with an applicable variable annual interest rate of 5,99%, when the agreement origination fee is 0,5% (450 EUR) and a mortgage registration fee is 8,60 EUR, and the loan instalments will be paid by annuity repayment method, then the annual percentage rate of charge (APR) would be 6,21% the total amount paid by the borrower – 182 232,32 EUR, the total number of payments – 324 and monthly instalment would be 561,03 EUR. Notary service fees, property valuation and home insurance costs are not known to the bank, so they are not included in the calculations.

A mortgage loan is granted when acceptable to the bank real estate will be pledged, as a collateral. In most cases, a mortgage loan is a long-term financial obligation that lasts up to 30 years, and untimely fulfilment of the terms of the credit agreement during the entire period can have negative consequences - worsening, reducing or limiting your other borrowing opportunities in the future. And non-fulfilment or improper fulfilment of the terms of the contract means the loss of ownership of the pledged (purchased) real estate.

Mortgage loan calculator

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1 year
30 years
+ Free home insurance
800,00 EUR
Monthly payment
136 343,56 EUR
Loan amount
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Notary service fees, property valuation and home insurance costs are not known to the bank, so they are not included in the calculations. The calculations made using the calculator are of an informative nature and each client's situation is assessed individually.

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1 year
30 years
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Loan amount: 51 000,00  EUR
Total amount payable:2 108 034,93 EUR
Annual percentage rate (APR):3 6,02 %
+ Free home insurance
299,24 EUR
Monthly payment
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1 Fixed margin + 6m Euribor
2 Total amount payable must be undertood as the total amount payable by the customer.
3 Annual percentage rate of charge (APR) is expressed to help you compare different offers over the same period. The APR is calculated by taking into account the total amount of the consumer credit, the interest rate, the contract administration fee and any other charges related to the conclusion or execution of the contract.
Notary service fees, property valuation and home insurance costs are not known to the bank, so they are not included in the calculations. The calculations made using the calculator are of an informative nature and each client's situation is assessed individually.

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Mortgage loan for various needs

  • For a purchase of a house or apartment.
  • Finishing a house or an apartment.
  • For own house construction.
  • Refinance of an existing loan.
  • For other purposes (with real estate pledge).
  • Fill out the application to change the conditions of the existing housing loan.
We do not offer mortgage loans in case you intend to use it with state financial support programs.

Loan options


  • We finance up to 85% of real estate price or market value.
  • Loan term – up to 30 years.
  • Loan amount – from 20 000 EUR.
  • Possibility to pay interests only (grace period) for up to 12 months.
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  • Construction loan with financing of up to 85%.
  • Loan amount from 50 000 EUR.
  • House must be liveable within 24 months.
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Various loan purposes: from housing renovation to the purchase of a homestead.

  • Financing up to 75 % of value of a pledged property.
  • Term of up to 20 years.
  • Loan amount from 20 000 EUR.
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Newly developed real estate projects

Have a look and choose your future home!

  • The majority of projects we do not require from a customer to submit a real estate evaluation. Only in cases when the purchase price of one square meter of real estate meets the limits set by the bank.

3 steps to purchasing a home

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Fill in the application

Apply online and submit the necessary documents.
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Get an offer

Receive an offer within one business day.
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Receive financing

Review the received offer and sign the contract online.
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Fill in the application

Apply online and submit the necessary documents.
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Get an offer

Receive an offer within one business day.
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Receive financing

Review the received offer and sign the contract online.

Ready to apply?

Log in using Citadele online bank. Not a Citadele customer? Log in using Smart-ID or Mobile-ID!
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  • Life can be insured for the entire scope of the mortgage obligations or only a part of them. The amount of insurance will decrease every year with the mortgage, and if an accident occurs, the insurance payout will help cover the remaining obligations of the credit agreement.
  • One life insurance contract can insure both the borrower and co-borrower.
  • We also insure persons who have taken out housing loans in other banks.
  • By choosing cumulative life insurance, you will be able to pay off your credit obligations faster or save for another long-term goal, e.g. for children's education.
  • By choosing life insurance with accumulation, you will be able to take advantage of personal income tax (PIT) relief every year and get back 20% of the amount of annual premiums paid.4
  • The service is provided by the insurance company CBL Life of the Citadele Group.

4 The total deductible amount does not exceed 25 % annual amounts of taxable income, calculated according to the procedure established by the State Tax Inspectorate and taxed at the rate of 20, 32 percent. income tax rates, but it cannot exceed 1500 euros per year (Article 21, paragraph 3 of the Income Tax Act). Expenses are deducted only from the income of a permanent resident of Lithuania when calculating the income tax for the tax period and submitting the annual income tax declaration (Income Tax Act, Article 21, Paragraph 4).

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  • Broken wall mirror or glass hob? Losses will be covered by the new value.
  • Faced with a dishwasher or washing machine breakdown? Damage to home appliances for up to 7 years will be compensated by the insurer.
  • Each residential building will be insured together with annexes, balconies or terraces with an area of up to 20 square meters.
  • There was a fire accident and you have nowhere to stay? Accommodation or hotel rental costs for up to 6 months will be compensated by the insurer.
  • You have opted for home property insurance coverage, but:
    • Went out for a bike ride, left it chained to the shop, and when you got back you couldn't find it? You will get a compensation.
    • Thieves take your pram left locked in the car? You are entitled to a payout.
    • When insuring home property by living area, the insurer will take care of the insurance of your home property both in the storage room or garage (belonging to the apartment) and the property taken out to your yard.
  • If you encountered a robbery or outright theft in a cafe, the insurer will compensate you for the losses incurred.

AS "Citadele banka" Lithuanian branch operates as a registered insurance agent (dependent intermediary) distributing insurance of AAS "BTA Baltic Insurance Company" branch in Lithuania. Detailed information about the activities of the intermediary.

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Want to apply?

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Log in using the Citadele online bank. Not a Citadele customer? Log in using Smart-ID or Mobile-ID!
Apply for a loan

Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
How to apply for a mortgage loan?

To find out the amount you can borrow, visit our website under Loans and leasing > Mortgage loan to fill in the mortgage loan calculator and find out how much you could receive as a loan. 
To fill in a mortgage loan application, select Apply for a loan and log in with one of our authorisation tools.
Fill in the necessary fields on the application and enter your personal information and any current loans.

After submitting an application, a notification will show up on screen telling you that your application is being processed and a provisional offer is being prepared. You will also receive this message by email.

If you do not have any of the aforementioned authorisation devices, and you cannot submit an application electronically, please visit any Citadele branch  and fill in a mortgage application in person. In this case, please remember that your account statement showing your income for the past six months must be saved in your private email drafts. During the meeting, you will email it to a Citadele service specialist.

What documents are required to apply for a home loan?

Please provide the following documents:

  1. Passport or personal identity card, third-country citizen's permit for permanent residence in the Republic of Lithuania.
  2. application. Apply online.
  3. The consent of the credit recipient (co-borrower) so that we can assess the solvency of the credit recipient (co-borrower) by checking the data in the registers.
  4. If you are self-employed or under a business license, copyright or work order agreement, please provide all supporting documentation of your income. We also ask you to submit a business certificate, declarations for the past 2 years, declaration for the current year. Expenditure warrants, copyright contracts, bank statements for the last 12-24 months.
  5. Property valuation.

We may also ask for other additional income supporting documents.

What is Smart-ID?

Smart-ID is a personal identification solution that can be used to sign loan applications.

In order to sign a completed loan application, you must have the Advanced (qualified) version of Smart-ID. You will not be able to sign an application for a loan with the Basic version of Smart-ID. To change your existing Basic version to Advanced, you can do it with a mobile signature by downloading a new Smart-ID.

If you do not have a mobile signature, but you already have the Basic version of the Smart-ID mobile application, you can change it to Advanced (qualified) by changing the biometric data (by taking a photo of your personal document and entering additional required data).

If you don't have a mobile signature and you don't have the opportunity to take a picture of your personal document, then you can change the "Smart-ID" version at one of the banks: "Swedbank", "SEB" or "Luminor".

More information on Smart-ID registration methods can be found here.

More information on biometric recognition can be found here.
 

What are the steps to get a mortgage loan?

  1. Fill out an application for a home loan.
  2. A bank employee will contact you and discuss the need and possibilities in detail.
  3. You will provide additional documents requested by the Citadele employee who is serving you (e.g. real estate valuation report)
  4. A decision on granting credit is made.
  5. You become a bank customer, open a credit service account. If you wish, you can purchase additional products/services offered by the bank at the same time (eg: payment card, mortgage insurance).
  6. A credit agreement and other documents are signed at the bank.
  7. A mortgage (property pledge) agreement is signed and confirmed at a notary. It is transferred to the Registru Centras for registration.
  8. After registering the mortgage agreement in the Registru Centras and submitting all the necessary documents to the bank, the credit amount is disbursed.

Can I apply for a consumer and housing loan online?

Applications for consumer and housing loans can be submitted online, and this can be done both by customers of Citadele Bank and other banks.

You can apply for a consumer loan here.

You can apply for a home loan here.

If you are not a client of Citadele bank, you can sign the submitted application with Mobile signature or Smart-ID qualified signature.

Can I repay my loan early, and does this come at an additional cost?

Yes, at any time and without additional fees you may repay your loan in full early by submitting an order for the early repayment of your loan through the online bank or at any branch.

Can I receive a loan if I have no official income?

Citadele encourages responsible borrowing, so if you have no official income, we will be unable to issue a loan to you.

More questions
How to apply for a mortgage loan?

To find out the amount you can borrow, visit our website under Loans and leasing > Mortgage loan to fill in the mortgage loan calculator and find out how much you could receive as a loan. 
To fill in a mortgage loan application, select Apply for a loan and log in with one of our authorisation tools.
Fill in the necessary fields on the application and enter your personal information and any current loans.

After submitting an application, a notification will show up on screen telling you that your application is being processed and a provisional offer is being prepared. You will also receive this message by email.

If you do not have any of the aforementioned authorisation devices, and you cannot submit an application electronically, please visit any Citadele branch  and fill in a mortgage application in person. In this case, please remember that your account statement showing your income for the past six months must be saved in your private email drafts. During the meeting, you will email it to a Citadele service specialist.

What documents are required to apply for a home loan?

Please provide the following documents:

  1. Passport or personal identity card, third-country citizen's permit for permanent residence in the Republic of Lithuania.
  2. application. Apply online.
  3. The consent of the credit recipient (co-borrower) so that we can assess the solvency of the credit recipient (co-borrower) by checking the data in the registers.
  4. If you are self-employed or under a business license, copyright or work order agreement, please provide all supporting documentation of your income. We also ask you to submit a business certificate, declarations for the past 2 years, declaration for the current year. Expenditure warrants, copyright contracts, bank statements for the last 12-24 months.
  5. Property valuation.

We may also ask for other additional income supporting documents.

What is Smart-ID?

Smart-ID is a personal identification solution that can be used to sign loan applications.

In order to sign a completed loan application, you must have the Advanced (qualified) version of Smart-ID. You will not be able to sign an application for a loan with the Basic version of Smart-ID. To change your existing Basic version to Advanced, you can do it with a mobile signature by downloading a new Smart-ID.

If you do not have a mobile signature, but you already have the Basic version of the Smart-ID mobile application, you can change it to Advanced (qualified) by changing the biometric data (by taking a photo of your personal document and entering additional required data).

If you don't have a mobile signature and you don't have the opportunity to take a picture of your personal document, then you can change the "Smart-ID" version at one of the banks: "Swedbank", "SEB" or "Luminor".

More information on Smart-ID registration methods can be found here.

More information on biometric recognition can be found here.
 

What are the steps to get a mortgage loan?

  1. Fill out an application for a home loan.
  2. A bank employee will contact you and discuss the need and possibilities in detail.
  3. You will provide additional documents requested by the Citadele employee who is serving you (e.g. real estate valuation report)
  4. A decision on granting credit is made.
  5. You become a bank customer, open a credit service account. If you wish, you can purchase additional products/services offered by the bank at the same time (eg: payment card, mortgage insurance).
  6. A credit agreement and other documents are signed at the bank.
  7. A mortgage (property pledge) agreement is signed and confirmed at a notary. It is transferred to the Registru Centras for registration.
  8. After registering the mortgage agreement in the Registru Centras and submitting all the necessary documents to the bank, the credit amount is disbursed.

Can I apply for a consumer and housing loan online?

Applications for consumer and housing loans can be submitted online, and this can be done both by customers of Citadele Bank and other banks.

You can apply for a consumer loan here.

You can apply for a home loan here.

If you are not a client of Citadele bank, you can sign the submitted application with Mobile signature or Smart-ID qualified signature.

Can I repay my loan early, and does this come at an additional cost?

Yes, at any time and without additional fees you may repay your loan in full early by submitting an order for the early repayment of your loan through the online bank or at any branch.

Can I receive a loan if I have no official income?

Citadele encourages responsible borrowing, so if you have no official income, we will be unable to issue a loan to you.

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