Home Loan

Based on the Danske Bank Group decision to discontinue banking services in the Baltic States, no new credit agreements are concluded with Danske Bank A/S Lithuania branch. From May 2020 management of the existing credit agreements will be taken over by Siauliu bankas.

What we can do for you?

In case of questions, please call us at +370 5 215 6666.

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
- 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.
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.
Please note that the Bank may ask for additional documents, depending on your situation.

Terms and Conditions

The mortgaged property must be insured by the insurance company acceptable to the bank. The Bank accepts all insurance companies having right to operate in Lithuania.

If you are a former Danske Bank Estonia customer, your collateral and leased assets must be insured by the insurance company acceptable to the bank. The Bank accepts all insurance companies having right to operate in Estonia. The list of insurance companies is published on the webpage of Finantsinspektsioon https://www.fi.ee/en/insurance-0

The property valuation companies, which signed an agreement on cooperation with Danske Bank:

Bank assessor	Town
UAB „Aidila“	Klaipėda
UAB „Apus turtas“	Lithuania
UAB „Baltijos turto vertinimo agentūra“	Lithuania
UAB „Butas tau“	Vilnius, Vilniaus rajonas, Kaunas, Klaipėda
UAB „Capital vertinimas“	Lithuania
UAB „Centro kubas – Nekilnojamasis turtas“	Vilnius
UAB „Domus Optima“	Vilnius, Kaunas, Klaipėda
UAB „Inreal“	Vilnius, Kaunas, Klaipėda, Šiauliai, Panevėžys, Mažeikiai, Plungė, Alytus
UAB„JG Valuations“	Lithuania
UAB „Kovertas“	Lithuania
UAB „Latmas“	Kaunas, Vilnius
UAB„Lituka“ ir KO	Lithuania
UAB „Ober-Haus“	Vilnius, Kaunas, Klaipėda, Šiauliai, Panevėžys
UAB „NEWSEC“	Vilnius, Kaunas, Klaipėda, Panevėžys, Šiauliai
UAB „Turto spektras“	Vilnius, Kaunas, Klaipėda
UAB „Verslavita“	Vilnius, Kaunas, Klaipėda, Šiauliai, Panevėžys
UAB korporacija „Matininkai“	Lithuania
VĮ „Registrų centras“	Lithuania

You can select the property valuer or the property valuation company not included in the list of companies, which signed the cooperation agreement with us.

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 assessment
When 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.