What we can do for you?
In case of questions, please call us at 1636.
Home Loan
Danske Bank is no longer issuing loans to private customers. Existing credit agreements will remain valid on the agreed terms until their expiry.
Loan repayment
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Loan repayment
You can repay a loan by the:
- Linear method – the loan is repaid in equal parts and interest is calculated on the remaining loan balance, thus repayments to the bank gradually decrease each month
- Annuity method – equal amounts are repaid each month consisting of loan repayments and monthly interest
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Early repayment of loan
- In order to repay the loan early, the borrower must submit a written application at least three banking days before the requested repayment.
- In the event of early repayment, the Bank is entitled to compensation (fee for the early repayment of loan) for possible losses directly related to the repayment of the loan or part of it prior to the expiry of the Agreement. The compensation may not exceed 3% of the amount of the loan or part of it, repayable before the expiry of the Agreement. The compensation is calculated in accordance with the procedure stated by the supervisory authority. The specified compensation is not required when the recipient of the loan repays the loan or a part of it on the days of interest recalculation.
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Credit agreement changes
If you wish to change the terms of the credit agreement:
- Fill out the application for changing the terms of the credit agreement;
- Submit a signed application to the Bank.
You can submit an application for changing the terms and conditions of the agreement via the Bank's electronic system Danske eDocuments.
Please note that the Bank may ask for additional documents, depending on your situation.
Terms and Conditions
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Property insurance
The mortgaged property must be insured by the insurance company acceptable to the bank:
- ERGO Insurance SE Lietuvos filialas
- AB „Lietuvos draudimas“
- „Seesam“ Insurance AS Lietuvos filialas
- AAS „Gjensidige Baltic“
- „If P&C Insurance AS“ Lietuvos filialas
- Akcinė draudimo bendrovė "Gjensidige“
- AAS „BTA Baltic Insurance Company“ filialas Lietuvoje
- UADB COMPENSA VIENNA INSURANCE GROUP
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Property evaluation
The property valuation companies, which signed an agreement on cooperation with Danske Bank:
Bank assessorTownUAB „Aidila“KlaipėdaUAB „Apus turtas“LithuaniaLithuaniaUAB „Butas tau“Vilnius, Vilniaus rajonas, Kaunas, KlaipėdaUAB „Capital vertinimas“LithuaniaVilniusUAB „Domus Optima“Vilnius, Kaunas, KlaipėdaUAB „Inreal“Vilnius, Kaunas, Klaipėda, Šiauliai, Panevėžys, Mažeikiai, Plungė, AlytusUAB„JG Valuations“LithuaniaUAB „Kovertas“LithuaniaUAB „Latmas“Kaunas, VilniusLithuaniaUAB „Ober-Haus“Vilnius, Kaunas, Klaipėda, Šiauliai, PanevėžysUAB „NEWSEC“Vilnius, Kaunas, Klaipėda, Panevėžys, ŠiauliaiUAB „Turto spektras“Vilnius, Kaunas, KlaipėdaUAB „Verslavita“Vilnius, Kaunas, Klaipėda, Šiauliai, PanevėžysUAB korporacija „Matininkai“LithuaniaVĮ „Registrų centras“LithuaniaYou can select the property valuer or the property valuation company not included in the list of companies, which signed the cooperation agreement with us.
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Other expenses
Expenses connected with obtaining a loan:
Document preparation fee
Under an agreement
A one-time mortgage sheet registration fee
31,28 €for registration
Property assessment
~86,89€ for flat assessment
~ 144,81 € for house assessmentWhen signing the sale and purchase contract in the notary's office, notarial charges are paid
According to the notary's pricelist
Property registration with the State enterprise Centre of Registers VĮ "Registrų centras"
According to the established pricelist
Disclosure
The obligation to refund the credit is ensured with real estate mortgage (hypothec). In case of failing to perform the obligations undertaken as per the credit agreement you risk to lose your ownership rights to the mortgaged real estate.
