Home Loan

Based on the decision of Danske Bank Group to discontinue banking services in the Baltic States, no new credit agreements are concluded with Danske Bank A/S Lithuania branch. Existing credit agreements will remain valid on the agreed terms until their expiry.

What we can do for you?

In case of questions, please call us at 1636.

Loan repayment

  • 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

  • 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.
  • 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

  • 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

  • Property evaluation

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

    Bank assessor
    Town
    UAB „Aidila
    Klaipėda
    UAB „Apus turtas
    Lithuania
    Lithuania
    UAB „Butas tau
    Vilnius, Vilniaus rajonas, Kaunas, Klaipėda
    Lithuania
    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
    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
    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.


  • 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


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.