Home Loan

Find best home loan solution that is tailor made for your needs.

  • Maximum loan duration – 30 years
  • Home loans of up to 85 % of the mortgage value

What we can do for you?

Call us at 1636 or contact your manager.
Let us know your needs, together we will find best solution.

More about Mortgage loan

  • How much I can borrow?
    • Home loans of up to 85 % of the value of the mortgaged property are available. There are always individual considerations about lending money so we need to review your finances before we can tell you how much you can borrow
    • Loans are extended in Euro
    • Home loans are provided to private individuals over 21 years of age

  • Interest and maturity

    Loan interest rates are determined on an individual basis. The interest rate consists of the bank's interest margin and the inter-bank floating (variable) or fixed interest rate.

    You can choose a variable rate or a fixed rate loan:

    • If you choose a variable interest rate, it will change every 6, 12 months throughout the term of the loan agreement depending on changes to the selected inter-bank interest rate –EURIBOR
    • If you choose a fixed interest rate, it will be fixed for all term of the loan. You will be guaranteed that your monthly payments will not change

    The term of the loan may never exceed 30 years.

  • 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

Terms and Conditions

  • Documents requested by the bank

    Home loan:

    • Loan application.
    • Your and your spouse’s passports or ID cards.
    • Documents justifying customers income: a detailed statement issued by the client's employer concerning income, tax returns, if such income must be declared according to the law, and other documents supporting income (submitted only if the information about income is not provided in the database of the Social Insurance Fund).
    • A property valuation report presented by a property assessor acceptable to the bank (see 'Property Evaluation')

    If you ask for a loan for housing construction, reconstruction, or renovation, you need to additionally present:

    • Documents confirming ownership of the land lot or the right to a long-term lease (if a house is being built/reconstructed)
    • A construction or reconstruction permit
    • Work and material estimates
  • 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

  • Property evaluation

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

    Bank assessor
    UAB „Aidila
    UAB „Apus turtas
    UAB „Butas tau
    Vilnius, Vilniaus rajonas, Kaunas, Klaipėda
    UAB „Domus Optima
    Vilnius, Kaunas, Klaipėda
    UAB „Inreal
    Vilnius, Kaunas, Klaipėda, Šiauliai, Panevėžys, Mažeikiai, Plungė, Alytus
    UAB„JG Valuations
    UAB „Kovertas
    UAB „Latmas
    Kaunas, Vilnius
    UAB „Ober-Haus
    Vilnius, Kaunas, Klaipėda, Šiauliai, Panevėžys
    Vilnius, Kaunas, Klaipėda, Panevėžys, Šiauliai
    UAB „Turto spektras
    Vilnius, Kaunas, Klaipėda
    UAB „Verslavita
    Vilnius, Kaunas, Klaipėda, Šiauliai, Panevėžys
    UAB korporacija „Matininkai

     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.

  • 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 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


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.

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